davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-20
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: EQUIFAX, INC. (AL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-10-20
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)

I received my credit report on XXXX XXXX from all three credit bureaus. I noticed there were credit inquiries from companies that I had no knowledge of. I contacted XXXX, XXXX, and Experian to notify them of the credit inquiries that I had no knowledge of and they advised me to contact the actual companies and told me the inquiries could not be removed because they are factual data. The following information is displayed on my credit report as inquiries and I have no knowledge of these companies. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian- US Sm Bus Admin Oda XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-05-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK (NV)

From XXXX to current date, Discover Card has attempted to obtain very specific financial information, that they stated to me was just to confirm my identity. As a consumer Discover Card has requested IRS Consent Form 4506-C be signed which I feel is overstepping my right to privacy. I offered other ways to verify this information and was denied. The tax years they are requesting also has information relating to family members who passed away in XXXXXXXX XXXX XXXXXXXX. I can not provide the information without approval from the XXXX courts in XXXX states, which is an additional expense that I will not pay to maintain an account with Discover. Please note my account was opened in and around XXXX of XXXX which was a secured account, and around XXXX of XXXX it was converted to an unsecured line of credit. I have reason to believe Discover was asked to solicit this information, on behalf of a third party. I am a victim of the data breach at XXXX XXXX XXXX.
Consumer complaint received 2021-10-20
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. (PA)

On XX/XX/2021, I requested with Equifax to investigate and delete the inaccurate information from my credit report. 

As you are well aware, federal law requires a credit reporting agency to respond within 30 business days. It has now been over that period since the receipt of my letter. Failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act
Consumer complaint received 2021-10-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TN)

Freedom mortgage refinanced my mortgage in XX/XX/XXXX. I changed Insurance companies from XXXX to XXXX. XX/XX/XXXX I got a renewal policy from XXXX. Come to find out the agency, XXXX XXXX didn't cancel the policy. Freedom mortgage paid both insurance companies for 1 year monies that should go towards the principal. My mortgage payment after the lower interest rate in XX/XX/XXXX was {$900.00}. Most months that year I paid extra to go to principal. In 3 months XXXX to XX/XX/XXXX my payments changed. XXXX I paid my mortgage through an agent of Freedom mortgage {$910.00}. She told me the problem with the insurance has been resolved I could pay the minimum or the adjusted payment of {$1100.00}. In XXXX the payment went to {$910.00} which it has remained the same. In XX/XX/XXXX I talked to an agent at Freedom mortgage, the {$910.00} XXXX XXXX payment was not applied it was put in escrow. She didn't charge me a late fee and I paid all that corrected the account plus some, and was told All would be removed from my records I had not missed any payments under the circumstances. I call XXXX XXXX XXXX to get a cash out wrap loan that would lower my interest rate and I could build a home on my 4 acres. My daughter, her husband, and my grandson are buying my house through XXXX XXXX XXXX. As of XXXX XX/XX/XXXX XXXX XXXX at XXXX XXXX XXXX said Freedom mortgage have not removed their mistakes over XXXX cents. I could be finishing up the building on my new home before winter if Freedom mortgage would have done what they get paid to do. I have written my Senator XXXX XXXX and this is the second time I have written to CFPB. I may have not been clear in my first attempt to the CFPB but, you will find all of my accounts of this complaint to be correct. Please help me correct this issue. I told XXXX XXXX Freedom mortgage has no business providing loans to Veterans at all. In my many conversations with Freedom mortgage the supervisor had a bad attitude and felt Freedom mortgage could do no wrong. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CT)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (VA)

On XX/XX/2024 I opened an email from XXXX XXXX that said did you open this new account : Ulta Beauty Rewards card on XX/XX/2024 for the credit amount of {$9800.00}. I called Ulta credit card Rewards and spoke to the fraud department. They said this was opened in XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, on XX/XX/2024 at XXXX. The phone number ended in XXXX of the person who opened it under my credentials. The person spent approximately {$390.00} and that the card would now be investigated and this investigation would take 3 months or less. I called XXXX XXXX Police Department to file report. The report number is XXXX. They recommended I file a report at ftc.gov.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (AZ)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2021-10-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I think inquiries have been fraudulently done under my social security or without my approval. 

Would love to have the inquiries I DID NOT APPLY FOR OR AUTHORIZE FOR A PULL ON MY REPORT REMOVED XXXX XXXX XXXX. Date : XX/XX/2021 XXXX  XXXX XXXX XXXX. Date : XX/XX/2021 XXXX XXXX XXXX XXXX. Date : XX/XX/2021 XXXX XXXX XXXX. Date : XX/XX/2021 Bank Of America. Date : XX/XX/2021 XXXX XXXX XXXX XXXX : XX/XX/2021
Consumer complaint received 2021-10-20
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: TOYOTA MOTOR CREDIT CORPORATION (MA)

I think inquiries have been fraudulently done under my social security or without my approval. 

Would love to have the inquiries I DID NOT APPLY FOR OR AUTHORIZE FOR A PULL ON MY REPORT REMOVED XXXX Credit/BOCH TOYOTA. Date : XX/XX/2021XXXX  XXXX XXXX XXXX. Date : XX/XX/2021TOYOTA MOTOR CREDIT CO. Date : XX/XX/2021 XXXX XXXX XXXX. Date :XX/XX/2021 XXXX  XXXX XXXX. Date :XX/XX/2021XXXX XXXX XXXX XXXX : XX/XX/2021
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Bankruptcy was not filed. Have been trying to get removed off credit reports for several months. Talked to US Bankruptcy court and they mentioned to me that the courts do not verify anything with credit bureau 's. All three credit bureau 's are stating that they are verifying information with the courts which is not accurate. Docket numbers that are listed on credit reports are incorrect. They are falsely stating that they are getting information from the courts or a third party which is incorrect and is violating the fair credit report act.
Consumer complaint received 2021-10-20
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (FL)

My credit report shows a late payment made to Navient of 90 to 110 days, yet the months surrounded it shows on time payments made. XX/XX/2020 shows 90to 110days late, yet XX/XX/2020 is on time and so isXX/XX/2020. I was not late making payments for any of theses months and request that this error be corrected.
Consumer complaint received 2021-10-20
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. (CA)

I'VE BEEN HAVING ISSUES FOR OVER A YEAR DEALING WITH ACCOUNTS APPEARING ON MY CREDIT REPORT THAT ARE NOT MINE AND IT SEEMS LIKE THE CREDIT BUREAUS ARE NOT WILLING TO HELP TAKE CARE OF THE MATTER.
Consumer complaint received 2021-10-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (NJ)

Guaranteed Rate Mortgage company is saying I owe them {$150.00} for a drive by XXXX appraisal I never ordered nor was I made aware of. I was told by XXXX XXXX he could not help me with my mortgage a month later I took care of lien problem that was preventing XXXX from closing. His assistant told me she would be in contact. she never contacted me after two weeks I went with another company now I am getting soft credit pulls and a bill I was completely unaware of for {$150.00}. They never informed any such thing would be done or needed to be done.
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CT)

I have been disputing an old account with the bureaus. There is an account with XXXX XXXX for which I requested the payment history directly from the company and they have yet to respond to me. That was XX/XX/2020 and yet they supposedly respond to the bureaus. XXXX is showing that they validated the information however how can an account be 90 days late without ever being 60 or 30 days delinquent? That is just common sense!
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC. (VA)

In accordance with the Fair Credit Reporting Act Navient # 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 an account without my written instructions.
Consumer complaint received 2023-10-07
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/XXXX, capital one sent me a text message asking me did I try to make a purchase on my platinum credit card ending in XXXX for {$330.00} with XXXX? Text back yes or noto protect your account. I texted XXXXCapital One denied the charges. Capital one then says-Let 's take care of this right away. We temporarily stopped the use of your card to help keep your account safe. Now let 's report any purchases you didn't authorize ( including this one ), and then we'll send you a new card. FYI, any unauthorized charges will remain on your account until you report them and get a new card. 

Tap this link to get started : https : //capital.one/fraud. Nope! Scam! I will be saving this message. Then capital text me and said-I didn't understand your request because I'm still learning. But I can tell you about your accounts and recent purchases, and you can also pay your credit card bill with me. I said No! In XXXX of XXXX I received a billing statement with a new account number ending in XXXX and a interest rate of 31.99 %. I called capital one to inform them about what was done to my credit card account. They told me that the only way that I could receive a increase in interest rate is that I would have to authorize to transfer my balance to a new credit card. I said that I didnt authorize anything so you need to decrease my interest rate immediately! The supervisor said that there wasnt anything she could do. She will try to see if she could get the manager to solve the issue. Then I contacted the CEO XXXX XXXX of capital one and told him about the problem by email on XX/XX/XXXX because nobody would resolve my problem that they caused on my credit card. I spoke to XXXX XXXX on XX/XX/XXXX on the phone and he tried to deny all text conversations after I read them to him. I told him that I wanted a refund of {$350.00} for the interest that was charged on my new credit card that I did not authorize. I told him that I wanted to be compensated for the suffering that his company caused me for closing my credit card without authorization and charging me a high interest rate of 31.99 % on a new credit card that I did not authorize to receive. He said to me that I was right who wants a high interest rate. He said he would call me back with his decision, but he never did. Instead he sent me a letter via fed ex with changes to the card policy that said he can change anything in his credit card policy and close my credit card, as well as change the interest rate without notifying me first. I called and told him that he could not do that and it was against the law. I told him that capital one owed me {$350.00} for the interest rate overage on my credit card. I should not have to suffer for his employee intentionally closing my credit card account and transferring my balance to another credit card without my authorization.
Consumer complaint received 2021-10-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

As I've disputed this account blatant inaccuracy before of a late payment. I've taken this a step further and called the furnisher of the misrepresentation and attack on my character, payment history, and exceptional standing in the eyes financial institutions. The credit reporting agencies placed this erroneous late payment on my consumer report and YOU HAVE FALSELY DAMAGED MY CHARACTER AND REPRESENTATION WITH THIS UNJUST, UNVERIFIABLE REPORTING TO MY CONSUMER REPORTS! I WILL SEEK ALL REMEDIES AFFORDED TO ME FROM ALL PARTIES INVOLVED IF THIS MATTER IS NOT BLOCKED AND REMOVED FROM MY CONSUMER REPORT IN 15 DAYS OR LESS! PLEASE ACCEPT THIS AS MY OFFICIAL NOTICE TO CURE AND XXXX 15 U.S. Code 1666B states a creditor may not treat a payment on a credit card account under an open consumer credit plan as late FOR ANY PURPOSE. It also states unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge!!!!!!!!!!!!! The law is very very clear
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (CA)

Flagship Credit Acceptance is mistakenly reporting this account as part of my Bankruptcy which is completely false. This account was never part of the bankruptcy. In fact, this account was paid in full as shown in the attachment. Please delete the bankruptcy negative remarks that is attached to this account or delete this tradeline.
Consumer complaint received 2023-07-11
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. (IL)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.