davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-17
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. (FL)

On XX/XX/XXXX I was denied credit due to too many inquiries on my transunion credit report. On XX/XX/XXXX I called to report the unauthorized and unverified inquiries. I reminded the representative with transunion that according to the FCRA any and all unauthorized and unverified inquiries must be deleted immediately. They opened an investigation. After 30 days, nothing was done with the inquiries. Today on XX/XX/XXXX I called again and the representative by the name of XXXX said I had to prove the inquiries were not authorized. I then told the representative that according to the FCRA if they are unable to provide verifiable proof about the an authorized inquiries they bust deleted. These inquiries are the only thing stopping me from receiving credit. I demand these inquiries be deleted to prevent litigation. The inquiries are as follows XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX I did not authorize any of these inquires and according to the FCRA all unauthorized and in verified inquiries must be removed. 

This is becoming very frustrating. Please delete the listed inquiries since they are unable to be verified.
Consumer complaint received 2021-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

1st. I applied for a Capital One Spark Business Card that requires the status of Fair Credit. I have a fair Credit Status according to Capital One Wise credit Service. The Gold Card Spark card requires a Fair Credit score unless the others that requires good to excellent credit.

2nd. Capital One is contradiction to correction is missing up my score. I am on time with my work and Iam not late.
Consumer complaint received 2022-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (LA)

A tree fell on my house XX/XX/XXXX. I finally settled with my insurance company in XX/XX/XXXX and submitted an insurance settlement check for {$140000.00} to Caliber Home loans in XX/XX/XXXX. Caliber completed inspection in XX/XX/XXXX saying my home is 85 % complete with repairs. Caliber will not release any of my money so that I will be able to finish fixing my house. I have called Caliber Insurance Department since XX/XX/XXXX to resolve this situation and they will not release my money.
Consumer complaint received 2021-06-17
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: EQUIFAX, INC. (MD)

Hello, I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like I normally do yearly and noticed these inquiries for accounts I never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.
Consumer complaint received 2021-06-17
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (CA)

XX/XX/XXXX I requested an account payoff letter from Wilshire Consumer Credit to reflect what the payment amount would be to settle my account, the amount given in the letter was XXXX ( per diem interest XXXX a day ). XX/XX/XXXX an amount of XXXX was paid to Wilshire Consumer credit from XXXX XXXX XXXX XXXX via XXXX XXXX XXXX due to total loss following a car accident. I received a payment history letter, XX/XX/XXXX confirming that my account was paid off. Wilshire Consumer Credit however has on my report that my car was a redeemed repossession and {$7500.00} is past due as of XX/XX/XXXX on my credit report. I have proof of all letters to show this to be a false report on my credit report and Wilshire is unwilling to accept responsibility of the letter they themselves forwarded to me, and is unwilling to acknowledge that my account was satisfied. May I also note that Wilshire is trying to settle this account for an additional {$1500.00}. This is my second title loan so I know how the process works to know better than that and Im disappointed to see business is being handled this way, and to think we as citizens are penalized for fraud!
Consumer complaint received 2021-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (DE)

Citi risk reduced my credit line from XXXX to XXXX without providing me the proper regulatory notifications. I happened to be traveling when my card declined and thats when I found out that my line had been reduced a week or so ago. I disputed the reasons for the reduction. Customer Service refused to transfer me to someone to review. My only option was to make a large payment. Citi literally left me stranded. I make a considerable large salary, have ALWAYS paid my bills on time and pay this Card in full almost always. Citi is being very deceptive and unfair with their lending practices. This needs to be investigated. They still have failed to provide me proof they notified me of this change.
Consumer complaint received 2021-06-17
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. (DE)

I previously tried to resolved this fraudulent account with this company I called this company and submit information for my dispute this company had numerous attempts. I will filing a complaint against this company and keeping a record of how this company is responding to my complaint and to show people of how this company treat there customers.
Consumer complaint received 2021-06-16
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. (CA)

There is one credit inquiry on my credit report that does not belong to me this is thru transunion I have disputed this with the bureau as well as reached out to XXXX XXXX and sent the bureau a letter that I received from XXXX XXXX stating that this is not mine and yet the inquiry is still on my credit report I need this off my credit since it doesn not belong to me!!!! 

XXXX - Inquiry date : XX/XX/2020 XXXX
Consumer complaint received 2021-06-17
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. (IL)

I have notified the collection agencies/original creditors several times and notified them that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC ID theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (IL)

I had this information removed from my credit report. It was re-inserted without me being properly notified. This is a clear violation of FCRA I have enclosed a copy of my consumer report from XX/XX/2022 where it was removed and a consumer report from today showing that info as being back on my report without following proper procedure as outlined by the FCRA. 

15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). 

( i ) Certification of accuracy of information - If ANY information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency ( ii ) Notice to consumer - If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

( iii ) Additional information- As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted.

( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.

According to my records, your company has done none of the above and if you have, please provide dated proof that you have provided me with ALL the provisions above. If you can not do that, THIS IS A CLEAR, AND DIRECT VIOLATION of my rights as outlined by the FCRA. The item must be removed from my report.
Consumer complaint received 2021-06-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (IN)

I ordered a kitchen table and buffet on XX/XX/2021. XXXX XXXX kicked the order back and we never received. Well XXXX credit card charged us {$1000.00} for an item we never received. We have been dealing with this for 2 months.
Consumer complaint received 2021-03-12
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: ACIMA CREDIT, LLC (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ACIMA CREDIT XXXX XXXX ... XXXX, NA that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-06-16
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (TX)

My student loan servicer : NAVIENT continues report loan payments for Loan number 3 and also Loan number 4 which directly violates my loan borrowers ' right under the Cares Act as well federal and state consumer protection laws and the Fair Credit reporting Act. I have reached out to Navient at the beginning of the year XXXX or XXXX regarding a significant drop in my credit score by 30 points in attempts to resolve the dispute to no avail and then I attempted to dispute the action to the three major credit bureaus with no resolution. Lastly..I reached out to the Attorney Genersl office in writing this past XXXX and the correspondence received stated.. '' It was an civil matter. '' The way that they are reporting my payments and my account has drastically affected my score therefore causing more hardship financially during the COVID 19 pandemic ... .This is equally heartbreaking since I am a XXXX worker that has been struggling to work nonstop during the Pandemic.
Consumer complaint received 2021-06-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CA)

I have been trying since XX/XX/XXXX to obtain a Corrected XXXX Form XXXX from my mortgage lender - USBank. I had a conference call on XX/XX/XXXX with the XXXX XXXX and Customer Service XXXX XXXX to review the valid real estate property tax payments made by USBank to XXXX XXXX XXXX XXXX on my behalf. In addition to the 2 legitimate payments for my XXXX property tax liability, USBank also made a duplicate payment - in XXXX - of a XXXX property tax liability that had already been paid AND that was already reported on my XXXX Form XXXX. XXXX XXXX returned that duplicate payment to USBank. However, USBank still included the extra payment in the total balance in XXXX XXXX of my XXXX Form XXXX. Essentially, USBank reported the same payment on my XXXX and my XXXX Forms and refuses to correct the XXXX Form. 

I have since closed my escrow account with XXXX XXXX XXXX because the convenience of having them pay my property taxes was not worth the huge lack of customer service with this issue.
Consumer complaint received 2021-06-16
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: Experian Information Solutions Inc. (WA)

Experian had updated the account with out properly fixing my credit score.The request from my last dispute was that they fix my score that negatively effect my life.
Consumer complaint received 2021-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

After receiving the collection letter I contacted they company for back up documentation, since I had not been to business in question in years. The documentation they provided was list of charges, no back up documentation, no invoices, just a quick report showing I owed money. The money they are trying to collect on is first off over four years old and over the statute of limitations, but also not mine. They couldn't provide any paperwork for these " charges ''. These charges are not only not mine, but they are past the statute of limitations and they are trying to collect on them fraudulently. 

I have contacted they business and the collection agency who are both still trying to collect on this fraudulent debt. 

It's unacceptable that these companies are collecting with zero oversight or repercussions for their actions.
Consumer complaint received 2019-12-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX and Transunion are reporting incorrectly ( 120 ) days late on XXXX - partial account numbers XXXX ; XXXX ; XXXX and XXXX. ( Please see pages 6, 7, 8, and 9 attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

my name is XXXX XXXX I am a federally protected consumer, and upon checking my consumer report I see that Equifax is violating me I have never authorize with written permission for XXXX to report XXXX XXXX XXXX, and convergent outsourcing on my consumer reports. pursuant to 15 USC 1681b ( 2 ) this is a violation that XXXX needs to remove these items immediately no consent is identity theft. I am a federally protected consumer, and I am not happy with what is reporting on M y consumer report. I will take legal action if have to, because this organization is violating my consumer rights.
Consumer complaint received 2021-06-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I have a complaint about bank of america I have been thru preditory lending and paying 2 insurance company 's for 3 years and I have XXXX XXXX and I was sent to fight the insurance company for the money back to give to bank of america which was very stressful.This t has caused us to fall back negitive in escrow. I have in writing and the housing councling at HuD XXXX XXXX XXXX XXXX XXXX that we were to pay {$900.00} a month and we had {$2300.00} in the positive for escrow they sent us letters saying our mortgage was {$580.00} and my husband and I got into a big argument about what to pay for mortgage so for four or five months he would only pay {$580.00} and we would be behind {$1500.00} in which we had XXXX in escrow at this point now we are in negitive again. The mortgage asked us to pay was supposed to be broken down into escrow and principle and the have been paying it all to principal only again causing us to be in negitive in escrow.bank has raised our mortgage to {$1000.00} killing us
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SECURITY FINANCE CORP (VA)

As per XXXX finance and XXXX XXXX : 15 US Code 6802 states my consent is needed for a financial institution to disclose non public information to a 3rd party. I never gave permission or received information on how to opt out.
Consumer complaint received 2022-12-31
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. (CA)

I have called TransUnion to remove inaccurate inquiries in my account over 4 times in XXXX these Inquiries are unauthorized, illegal, fraudulent, and blocking my obtaining personal and business credits and loan. 

XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX