davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-04
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: Regional Management Corporation (NC)

I recently obtained a copy of my credit report from & LT ; name of the credit bureau XXXX ;. It indicated that there were some credit inquiry made by several companies. However, these inquiries were not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. 

Please have this inquiry removed from my credit report, as it is having a negative effect on my loan applications and my acquisition of credit. 

Please forward any documentation that you may have in regards to the removal of this credit inquiry. 





XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX ; XXXX XX/XX/XXXX XXXX XXXX-XXXX XX/XX/XXXX XXXX & XXXX ; XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX   XXXX ; XXXX XXXX/XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, I XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX  - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ; XXXX Conversely, should you find that I am remiss and my authorization was in fact obtained for making this credit inquiry, I would appreciate any such documentation of that as well.
Consumer complaint received 2022-12-19
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX  XXXX XX/XX/2022 Dear Experian, I, XXXX XXXX consumer and natural person are aware of all rights I have and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX # XXXX 15 U.S.C 1681 section 602 A. states I have a right to privacy. 

15 U.S.C 1681 section 604 A. states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately, unless you want to be held to the {$1000.00} fine per violation. 


Sincerely, XXXX XXXX
Consumer complaint received 2018-07-18
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (MO)

I have a credit card with XXXX XXXX I for about a year, but I have been a customer for years. The bank that backs the card is XXXX XXXX. The bank has decreased my credit amount from {$900.00} to {$400.00} dollars since I filed a complaint with you against them for not applying my payments and charging me late fees. This bank for this XXXX XXXX card has restricted my access to use the credit on this card. XXXX XXXX is still charging me interest on the XXXX credit card after I closed the account. I want to close this account, but I believe they will continue to charge interest for a closed account. 
I believe they retaliated by decreasing my credit limit from {$900.00} to {$400.00}, and now has restricted me from using the credit on this card.
Consumer complaint received 2022-06-07
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. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2020-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have requested multiple times for my address to be corrected, for the addresses where obviously my identity was stolen that's listed to be removed, employment that's on my report to be removed ( I'm not employed ), which all was corrected back in XX/XX/XXXX, but then I received a copy of my report recently XXXX XXXX after disputing some invalid, incorrect erroneous information that was in my public records file! Not only was it not corrected, nor did they send me Verifiable Proof they put more invalid, incorrect information onto my report!
Consumer complaint received 2019-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (OH)

This is the second complaint with the same issue with Chase Bank. I think a month and a half is more than enough time for XXXX XXXX from their executive office to research this. As of today, they have taken my XXXX XXXX check from XXXX XXXX XXXX XXXX  because of their bank error. I am about to hire an attorney.
Consumer complaint received 2019-05-02
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. (FL)

According to the Federal Trade Commission, if an account was never brought current during the period partial payments were made, the delinquency that immediately preceded the collection began is the correct delinquency date. This account has an incorrect day of first delinquency showing. The correct date is XX/XX/XXXX. 

For example the FTC states : XXXX XXXX credit card account becomes delinquent in XX/XX/XXXX. XXXX makes partial payments for the next five months, but never brings the account current. The creditor places the account for collection in XX/XX/XXXX. 
Because the account was never brought current during the period partial payments were made, the delinquency that immediately preceded the collection began in XX/XX/XXXX, when XXXX first became delinquent. The correct delinquency date is XX/XX/XXXX.
Consumer complaint received 2023-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I demand immediate, unequivocal evidence in the form of verifiable proof. I insist on being provided with an original consumer contract bearing my unmistakable signature for the account specified below. Your failure to comply with this demand is not only a blatant violation of your legal responsibilities, but it also directly undermines my ability to obtain credit. 
Let me be clear : unverifiable accounts, as clearly stated in the FCRA, must be promptly removed. If you are unable or unwilling to provide me with concrete evidence to substantiate the existence of the account in question, I expect nothing less than its immediate removal from my credit records. Failure to adhere to this demand will result in severe consequences, as I will not hesitate to pursue aggressive legal actions to ensure that my rights are fiercely defended, and that you are held personally accountable for your audacious and deliberate disregard for the law
Consumer complaint received 2019-07-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (DC)

I received a call from the CBE Group. They knew my mailing address and were trying to use this as a basis to collect debt from XXXX. I have never used XXXX as a buyer nor as a seller. They insisted the debt was mine and tried to suggest that someone in my family or another person was impersonating me. I said that was not the case and yet they still insisted I owed the debt. 

After receiving multiple phone calls from them, I contacted XXXX and they confirmed that no accounts existed associated with my contact information or mailing address, so the debt is clearly not owed by me, but the CBE Group will not stop contacting me.
Consumer complaint received 2022-12-18
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: CREDIT ACCEPTANCE CORPORATION (MI)

One of the bureau had removed due to creditor made the agreement to remove from my file but been submitting XXXX and XXXX due to factual error from their ends but they keep updating without any procedures. These 3 accounts made settlements for removal after 90 days verbally but never kept their words. Every month I sent a valid dispute but without proper documentation its updating/remains from their end.
Consumer complaint received 2022-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2020-02-09
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. (NJ)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2022-12-18
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. (KY)

Account Name : XXXX XXXX, has violated my rights. 
15 USC1681 section 602 A. States I have rights to privacy 15 USC1681 section 604 A Section 2. it also a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 C. ( a ) ( 5 ) Section States : no copnsumer reporting agency make may consumer report containing any of the following items of information. Any other adverse item information, other than records of convictions of crimes wich antedates the report by more than 7 years 15 USC 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 information is inaccurate
Consumer complaint received 2022-05-14
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. (TX)

XXXX XXXX  Upon reviewing my credit file, incorrect information was found in my reports. The XXXX and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : 1. XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX 2. XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX 3. XXXX Inquiry Date XX/XX/XXXX 4. XXXX Inquiry Date XX/XX/XXXX 5. XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX : 1. XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX
Consumer complaint received 2022-06-03
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights CLOSED ACCOUNT -XXXX  account # XXXX XX/XX/XXXX2019 CLOSED ACCOUNT -XXXX XXXX XXXXXXXX account XXXX XXXX XXXX XXXX, 201

9 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
Consumer complaint received 2022-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (TX)

I uploaded a cell phone number to my reliacard account. I did not request sms messaging between myself and the bank. I started receiving text messages marked as spam warning me about the messages including one directing me on how to clear the account. When XX/XX/2020 I tried to use the account I was locked out. The person 's there alleged I reported fraud. The story then changed, they alleged the account had been red flagged by activity and I needed to submit my id and social security number. This, according to their emails is the fraud. {$3300.00} has been frozen. The card services personnel had no information as to how to deal with internal fraud reported by the consumer. I have noticed over XXXX other recipients have reported this matter on XXXX.
Consumer complaint received 2022-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX  Upon reviewing my credit file, incorrect information was found in my reports. The Experian and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : EXPERIAN : 1. XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX 2. XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX 3. XXXX Inquiry Date XX/XX/XXXX 4. XXXX Inquiry Date XX/XX/XXXX 5. XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX : 1. XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX
Consumer complaint received 2020-02-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CO)

the Colorado attorney generals office refured me to you. i have been a paypal customer for way over 20 years, and have mostly used it for ebay. last year i bought a paypal prepaid debit card, bought several things with it and reloaded money on it. they sent me a permanent card to my home address. i sold several things on XXXX and linked my online paypal account with the paypal debit card to get paid. they promptly froze my account saying they suspected fraud. i sent them copies of my state id, my birth certificate, my passport, mail addressed to me ( they had already sent me mail that i had responded to ) they have links to my bank accounts that i have paid with over the years. i went round and round with them jumping through their hoops, and nothing unfroze my account. i then said i wanted to cancel my account and they said it would take months and wouldn't, than said i had to resolve the issues with the account before they would cancel, as if i hadn't already spent hours jacking around with them. i am beyond XXXX off, if i was paying myself by the hour for all the time spent jacking around with these people, i have already spent way more then they have stolen from me. at this time the little money that they took is nothing, i'm XXXX about my time that they have wasted. i want to do anything i can to cause them grief. i want to close the account and i would love to see a hefty fine levied for paypal
Consumer complaint received 2020-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX  company reported XXXX XXXX Mortgage past due to XXXX, Experian and XXXX  for the months of XXXX, XXXX XXXX and XX/XX/2019 when the mortgage was paid on XX/XX/2019 by wire transfer from XXXX XXXX XXXX XXXX of Arizona in accordance with the written payoff demand submitted by XXXX to XXXX XXXX XXXX. Please see attached document. XXXX has not request to the credit agencies deletion of the past due mortgage report despite several calls since 2019 and written demand letter by XXXX XXXX. Such situation has lowered my credit score from the 700, s to the 500, s and caused denial on mortgae request, refinancing on loans and credit application for XXXX XXXX
Consumer complaint received 2021-03-08
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc. (NY)

I XXXX XXXX ENTERED INTO A CONSUMER CREDIT TRANSACTION WITH CHRYSLER CAPITAL ON XX/XX/XXXX. A CONSUMER CREDIT TRANSACTION IS A TRANSACTION IN WHICH A FINANCE CHARGE IS INVOLVED. PURSUANT TO 15 USC 1605 A FINACE CHARGE IS THE SUM OF ALL CHARGES IN A CONSUMER CREDIT TRANSACTION. BECAUSE I KNOW THE FINANCE CHARGE IS THE SUM OF ALL CHARGES I WAS NOT EXPECTING A BILL. ON XX/XX/XXXX CHRYSLER CAPITAL MAILED ME A BILL WHICH IS A VIOLATION OF 15 USC 1692B.
Consumer complaint received 2022-05-14
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. (FL)

I have been disputing Fraudulent Information on my credit report since XX/XX/2022. I have been waiting for the response from the Credit Bureaus but up until now, I haven't gotten anything from them. Regardless of the previous written request, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX, and Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. I am requesting this information to be reviewed for completeness and accuracy and appropriateness. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-14
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. (MI)

XXXX XXXX XXXX {$270.00} Opened- XX/XX/XXXX This is a fraudulent account opened in my name. I have never had anything in my name. 

XXXX XXXX XXXX {$420.00} XX/XX/XXXX This is a fraudulent account opened in my name.
Consumer complaint received 2020-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CA)

Company Name : Dovenmuehle Mortgage , Inc . 
Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX Loan Number : XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX, CA. XXXX Dear Sir, Greetings.

The above Mortgage Company purchased our loan listed above from XXXX XXXX XXXX in / about XX/XX/XXXX, with certain conditions and stipulations listed clearly on the Mortgage Note. 

On/ about XX/XX/XXXX, Dovenmuehle Mortgage Inc XXXX returned our Monthly Payment check un-cashed with a note indicating that we can not write on the check monthly payment paid if full, paid in advance!!! 

On/ about XX/XX/XXXX we sent TWO checks to cover the monthly mortgage payments for {$1800.00} each, this time they cashed the checks. Yet we are concerned that their predatory behavior might cause us a Credit Damage in the process. 

On/ about XX/XX/XXXX & XX/XX/XXXX, we contacted the company via mail and called them over the phone, and spoke to the Manager ( XXXX & XXXX XXXX , IL location ). We requested that they provide us with the Original Mortgage Note, which indicates clearly XXXX Late Fees will be assessed at any time, late payment or otherwise. 

They Failed and Continued to Fail in providing the Mortgage Note, they also failed and continued to fail in Correcting the Mortgage Statement accordingly. 

We received three statements so far, reflects erroneous late fees amounts that might be imposed on the account ; that contradicts our Mortgage Note and our agreement.