davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX ( Date Opened : XX/XX/XXXX, Balance : {$770.00} ), XXXXXXXX XXXX XXXXXXXX ( Date Opened : XX/XX/XXXX, Balance : {$3900.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$530.00} XXXX ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

Inquirys delete and remove asap. These are not my inquiries Im tired of keep calling theses companies asking them to remove these inquiries n companies wonder why I put fraud alert on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXXXXXX
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-05-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (PA)

On   XXXX  , my mother,  XXXX   XXXX , was approved for a loan with  OneMain Financia  XXXX . The amount of the loan was approximately {$15000.00}. My mother was  XXXX   XXXX   XXXX  at the time of application and was advised the use her vehicle to secure the loan. This was done even though at the time she was not eligible for credit life insurance due to the lender 's choice of insurance provider. My mother passed away on  XXXX  with no assets other than her vehicle. My family and I needed to find a buyer for the vehicle to cover funeral expenses as my mother was on a fixed income.     The title is encumbered by a lien from the lender. I have had  XXXX  of Attorney on my mother 's banking matters since   XXXX   due to physical and mental health issues. We asked the lender why she was not offered insurance and were advised that they do not cover borrowers  XXXX  and over, which itself seems to be a discriminatory practice. The vehicle is only worth {$5500.00} per  XXXX   XXXX   XXXX  value.     I have attempted to discuss the issue with the  XXXX  office who suggested repossession even though my family and I have not yet had time to discuss what to do with this account or the vehicle and the account is not delinquent.     This appears to be an issue of predatory lending and exploitation of an elderly and vulnerable adult. We would like to ask you assistance in requesting the lender to release the lien on the vehicle so that our buyer  XXXX  purchase the car allowing us to cover the needed funeral expenses.
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THIS ITEM TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE ENCLOSED AND SENT THE FEDERAL TRADE COMMISSION THE INFORMATION ALONG WITH THIS AFFIDAVIT.
Consumer complaint received 2024-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (ME)

Vague records... charging double in interest fees while trying to get out from under their stealing hard gained funds from us. They need to be fully investigated. If they are cheating us just imagine what they are doing to their other poor lenders. Making big time money here at the great expense of their unfortunate customers. They bought our loan as we never would have willing signed up with them. Just trying to get out from under them with a few dollars in our pockets!
Consumer complaint received 2023-01-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc. (NJ)

I was browsing for personal loan at XXXX and was matched to ascendloans. XXXX was stating at its website that the maximum loan interest was XXXX  percent. Also, I knew that it is a crime in NJ to issue a loan for more than XXXX  APR, ( The criminal usury limitations ( N.J.S.A. 2C:21-19 ). The company was charging me {$XXXX} every Monday. The loan number XXXX was issued on XX/XX/XXXX in the amount of {$XXXX}. They charged my account for XXXX  times in the amount of {$XXXX}. Once it exceeded XXXX  percent I called them and realized that they were charging XXXX  percent. I paid {$XXXX} and closed the loan. Before they told me that they were reporting the activity to credit agencies. When paid off and it was not reported to agencies, I called them and they changed their initial statement that they were reporting to credit agencies. It was clear, they XXXX  mislead me. They claim that as XXXX  companies they are exempt from state laws and they can charge XXXX  percent for the loan. According to the Federal Court decision XXXX, XXXX, XXXX it was ruled out that online XXXX  payday lenders must comply with state interest rate limits, licensing laws and other state laws, and can be sued through their officers for injunctive relief if they do not. XXXX XXXX XXXXXXXX
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX Balance : {$210.00} ( Original Creditor : ) XXXX Balance : {$520.00} XXXX XXXXXXXX Balance : {$600.00} XXXX XXXXXX/XX/20XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

I went to www.chexsystems.com and logged in to try to access my free consumer report. After logging in, I tried to order the consumer report but kept on getting errors. I received this error : Unknown Error : Your request could not be processed because of a technical issue. Please try again later or contact ChexSystems at XXXX. 

I tried again and received the same error. I tried calling ChexSystems at XXXX XXXX XXXX on or around XXXX XX/XX/year> and was given the runaround by the confusing IVR. Ultimately I was not able to order my report via those methods. 

I tried submitting something else online ( not sure if it worked ) but I want to know why the system is not working and why I can not order a report while logged in. I want a written explanation of the technical errors. I also want ChexSystems to correct the technical errors.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I sent a letter in XX/XX/XXXX to XXXX, Experian, and XXXX asking them to remove information from my Consumer Report that violates my privacy. The companies responded with a reply that was totally unrelated to my complaint. The response was irrelevant and failed to address the nature of my complaint. 

They are violating the law by refusing to protect my privacy AND further ignoring my request for specific removal pursuant to the following : 1. The Privacy Act of 1974 2. 15 U.S. Code 1681a 2 ( A ) ( i ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s - 3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( CREDITOR ) making the report is NOT INCLUDED on my Consumer Report. Utilization is an experience regarding the use of the line of credit that was extended between the consumer and the creditor. CONGRESS clearly states that the reporting of Transactions or Experiences are not included on the consumer reports. 

3. They did not inform me that I could Opt Out AND they do not have my permission, in writing, pursuant to 12 CFR Part 1016.7 Form of opt out notice to consumers ; opt out methods.

( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.

NOTE : I hereby rescind any authorization, written, unwritten, expressed, or implied to report utilization on the accounts listed in this complaint, now and forever in perpetuity. The accounts remain on my consumer report but my utilization ( customer experience ) is not to be shared and should reflect 0 %.
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

Since XXXX I was checking my credit report and start disputing hard inquires on my credit report. In XXXX i applied to work for XXXX XXXX, XXXX XXXX  and later them send it to me a letter when they explain to me that they have a XXXX on their system and my personal information was compromised. I report this to the credit report bureaus without any result. Today i found that Letter and i request the DELECTION or REMOVAL of this inquires on my credit report because doesn't belong to me, this was a fraudulent transaction using my personal information
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WI)

In accordance with the Fair Credit Reporting Act : U.S Bankruptcy Court account # XXXX have violated my rights. 

XXXX XXXX XXXX account # XXXX have violated my rights. 

XXXX XXXXXXXX XXXX  account # XXXX have violated my rights. 

15 USC 1681 section 602 A. states I have the right to privacy.

15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instruction
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-02-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX my account was charged {$9800.00} in payment of a check that was orignally written by me for {$12.00} but stolen from a Postal Service collection box. It was altered to change the amount and the payee. I originally notified Chase Bank of the fraudulent check on XX/XX/XXXX and filed a claim on XX/XX/XXXX at my local branch bank. In the following months during repeated calls to the Chase check fraud department I was told my claim was in process. Then on XX/XX/XXXX ( four months after my original filing ) I was told that nothing had been done on my claim because the wrong form had been used! I subsequently completed and faxed a new form on XX/XX/XXXX ( fax confirmation attached ), and again on XX/XX/XXXX ( confirmation attached ) and finally a XXXX  time on XX/XX/XXXX ( confirmation attached ). After all these filings and numerous phone calls to the bank 's claim department and being repeatedly told my claim was in process I kept getting letters telling me that they needed more information and askimg me to complete and submit the same clairm form ( " Declaration of Unauthorized Endorsement or Altered Item '' ) that I had submitted months before. Still no progress has apparently been made on my claim. 

I am more than frustrated and fed up with Chase Bank 's complete failure to process my claim in a timely manner and repeatedly giving me false information and asking me to resubmit my claim. At thtis point I am tired of playing their games and just want my money back!
Consumer complaint received 2023-01-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (IL)

I've contacted sunrise credit services about the fact that my identity was stolen because I was in an unsafe environment with an abusive ex and multiple people who I didn't know had access to my items when I wasn't present. It claims it was for an XXXX XXXX XXXX phone bill which I never gave consent for and didn't know it was on my credit until I checked in XXXX and disputed it to no avail. It says it was opened XX/XX/ XXXX And the balance os {$660.00}.
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Experian has an address reporting on my report and to be exact the address does not even exist. I called them on XX/XX/XXXX and they claimed to have removed it on my report and it still reports. I never lived at XXXX XXXX  XXXX XXXX, ga XXXX and the addresXXXX XXXX XXXX XXXX  ga XXXX does not exist
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have 2 fraudulent inquiries on my credit report that I didnt authorize. These inquiries are fraudulent and need to be removed from my credit file immediately. The inquiries are from XXXX XXXX  on XX/XX/XXXX and XXXX XXXX  on XX/XX/XXXX. Someone tried to open an account in my name.
Consumer complaint received 2017-05-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION (VA)

XXXX / XXXX /   17  - I calle d Pentagon FCU to en sure our  XXXX  payment had been made as my husband had passed away on  XXXX / XXXX / 17 . The mortgage was only in his name. I paid the mortgage and was asked if I would like to be contacted in regard to my options for the mortgage going forward. I said yes. From this call all my joint accounts were frozen.      XXXX / XXXX / 17  -  I  hand carried the paperwork and death certificate to the main branch of  PenFed  in  XXXX  VA. It was to be faxed to the estate department o f PenFed.       XXXX  - I called as I have not received any information regarding the mortgage, I do not have access to the information regarding the mortgage, and I have to call each month to make a payment and I have to remember to place the call. I was told that it was necessary to provide a death certificate - told them that had been done a month prior and that it was hand carried to them. I was told that someone would contact me - still no resolution or correspondence from  PenFed regar ding the issue.
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$200.00}.
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

In ac15 u.s.c 1681 Section 604A In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 .u.s.c 1681 Section 602a states I have the right to privacy. 15.u.s.c 1681 Section 604a Section 2 : It also state a Consumer Reporting Agency can not furnish a account without my written instructions. 15 u.s.c 1681c ( a ) ( 5 ) Section states no Consumer Reporting Agency may make any consumer report containing any of the filling items of Information any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years. 15 u.s.c 1681s-2 ( a ) ( 1 ) Aperson shall not furnish any information relating to a consumer to any Consumer Reporting Agency if the person k owns or has reasonable cause to believe that the information is inaccurate.