davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-17
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. (NY)

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 XXXXXXXX # XXXX, Account name : XXXX XXXX # 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 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I do not know who stole my personal information but I am a victim of identity theft and there have been accounts opened under my name without my authorization, consent, or knowledge. These accounts are showing up on my credit report but I never opened these accounts! 

The data breaches my personal information was involved in are below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My personal information was stolen multiple data breaches! 

The following account was opened fraudulently and MUST be removed from my credit report : XXXX XXXX XXXX XXXX XXXX {$660.00}
Consumer complaint received 2023-10-17
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. (MI)

In XXXX with the Fair credit reporting act, This creditor has violated my rights. Under 15 U.S.C 1681 section 602 states I have a 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. Under 15 U.S.C 1666b a creditor may not treat a payment on a credit account under an open end as late for any purpose.
Consumer complaint received 2020-02-14
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. (NY)

XXXX XXXX XXXX was deleted from my Experian credit report back in XXXX of XXXX. ( Please see attachment for further details. ) Even though first premier Bank account # XXXX was deleted from my Experian credit report on XX/XX/XXXX account now shows a verified and updated status as of today XX/XX/XXXX. How is this possible?? 
Where is Experian getting its information from?? 

This is a violation of ( FCRA ) ( Please see attachment for further details ) This account has been reinserted onto my Experian credit report between XX/XX/XXXX and XX/XX/XXXX without notification within 5 business days of reinsertion. This is a violation, I demand that this account must be deleted from my Experian credit report immediately. 

: With an unverifiable balance a violation, delete account immediately : XXXX XXXX XXXX currently reports incorrect last date of payment on my Experian report. A violation. Account immediately : XXXX XXXX XXXX currently inaccurate & misleading last date of activity. A violation, remove account immediately :
Consumer complaint received 2022-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I have an existing complaint with the CFPB concerning this bank. Evidently because I had filed a complaint, the bank has now stopped my use of using the card, and will not fix the problem. Surely this type of vengeance can not be legal in any way.
Consumer complaint received 2019-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (CA)

I had applied for leasing an apartment at XXXX XXXX  XXXX  ( XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) in XX/XX/2018. My equifax report or XXXX XXXX  shows it as a hard credit inquiry from XXXX on XX/XX/2018. I was assured by the leasing office that the credit check will only be a soft one and this is what it says as per the rules of XXXX XXXX  on their website. I quote from their website regarding credit check information ( that I had also looked at while applying with them ) : When your credit report is pulled for the apartment, its considered a soft pull and will not drop your FICO score like a hard pull does. 
Resource : XXXX XXXX XXXX Considering this is affecting my credit score very negatively, and that it should not have been a hard credit check ( per the noted leasing company 's rules ), I ask for your help in this very case.
Consumer complaint received 2022-12-19
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my reportAccording to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

XXXX XXXX
Consumer complaint received 2020-02-18
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$20000.00}, {$11000.00}, {$420.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$20000.00} -This is not my account.

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$420.00} -This is not my account.
Consumer complaint received 2021-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

0n XX/XX/2021 located at XXXX XXXX XXXX XXXX XXXX Il Chase ATM at XXXX tried to deposit {$1300.00} cash at Chase ATM , ATM eat my cash didnt go though the deposit and all no any cash can returning back outside of ATM, I noticed Chase bank XXXX and they gave me the case number, still waiting for their investigation result.
Consumer complaint received 2022-09-13
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this 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 XXXX 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 2022-04-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report.

I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to re spond. I am attaching a Copy of all letters sent below. This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/22 my check for {$11000.00} cleared my bank and the funds were withdrawn from my account. On XX/XX/22 my Capitol One Silver account was credited for {$11000.00}. However I was told that I would not have access to those funds until XX/XX/22 because they were afraid I may reverse it or something along those lines. I normally pay between {$2000.00} and {$2500.00} per month, but it's the end of the year and I wanted to get caught up. 

I asked they to show me in my agreement where it covered the holding of my funds and they couldn't. They just say they do that when they think the payment is out of the " ordinary ''. 

I doubt whether they are putting the funds into an escroll account, so it would be interesting to see what they are doing with them.
Consumer complaint received 2019-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hey, While I was looking on my credit report and I see TransUnion is reporting XXXX XXXX XXXX charge off account as open when its closed. Second, I noticed The balance is {$15000.00} but TransUnion is reporting {$15000.00}. This is a serious violation and illegal to report inaccurate information. TransUnion is reporting incorrect, inaccurate, inaccurately reporting. 

Please DELETE this account immediately!!! Under the Fair Credit Reporting Act, EVERYTHING IN YOUR REPORT HAS TO BE 100 % ACCURATE and CORRECT OR IT MUST BE DELETED!!
Consumer complaint received 2024-04-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AL)

I don't recall having a contractual relationship with this collection company LVNV FUNDING. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2019-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I called Transunion to investigate a faulty lien on my credit card. They failed the first time so i had them redo it. They needed my credit card for monitoring. Now they are charging me {$30.00} a month. I tried to cancel on their website and as soon as I try they log me out of my account and said my log-in information is incorrect. Then it prompts me to reset my password. I would have to call and wait on hold for hours for them to fix this.
Consumer complaint received 2017-10-10
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. (NY)

I have tried to contact XXXX, Equifax, XXXX, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. XXXX, Equifax, XXXX has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying XXXX, Equifax, XXXX of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

Acct Name : XXXX Acct # : XXXX
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In Accordance with the Fair credit reporting act, This creditor has violated my rights. Under 15 U.S.C 1681 section 602 states I have a 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. Under 15 U.S.C 1666b a creditor may not treat a payment on a credit account under an open end as late for any purpose.
Consumer complaint received 2022-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (VA)

I recently obtained a copy of my credit report and noticed that there is information reported inaccurately. I disputed these items : XXXX XXXX  XXXX, XXXX XXXX XXXX, Navy Federal XXXX Union XXXX. On XX/XX/2022 I mailed out dispute letters to XXXX, XXXX and XXXX stating all 3 of those items were incorrect and if not verified item needs to be deleted and removed. It has been XXXX days and I have not yet received any feed back from all the companies. I need all items to now be deleted and removed. I have been denied credit cards ( to help build my credit score ) a loan program for a home for my children and me. This inaccurate credit report has impacted my life negatively. This must be deleted and removed. Thank you.
Consumer complaint received 2020-02-18
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. (NJ)

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Consumer complaint received 2023-06-24
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. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-12-19
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

I was given a visa gift card at a company party with a denomination of {$100.00}. I had the card for about two days before I even unsealed the package and removed the card. I tried to use it online but it was declined. I called the 800 number on the back and after waiting about 40 minutes online was connected to a person who could barely speak English. Their accent was so heavy I could barely understand them. This call took about 30 minutes. I was told that the card has been used twice at target for transactions of {$50.00} exactly each at XXXX XXXX  two days before I actually received the card. I was told that I had to file a dispute. Then I was asked for a whole bunch of personal information such as my full name, address, phone number, and email address and date of birth. When I even suggested that it was inappropriate for them to ask for all this personal information the person threatened to disconnect the call because I was refusing to cooperate. I was told I was going to receive an email containing a form that I was to fill out and send back to???? company ( the rep refused to tell me the name of the company that issued the card ). I only found that information by doing a bunch of research online. I was told that along with the form I would have to submit a copy of my drivers license front and back. As of yet, I have not received an email. I feel that this is really some kind of scam. It's real convenient that the card was used for {$50.00} transactions two days before I received it. The company 's website that is printed on the back of the card looks very suspicious. The calls are routed to overseas call centers. I don't feel that I should have to provide this personal information and copy of my own personal documents to this very suspicious company just to get the funds that my friend paid for. The bottom line is this company is trying to rip us off.
Consumer complaint received 2020-02-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I opened two traditional Fifth Third Bank accounts and one Illinois Able specialized account but Fifth Third Bank is preventing me from activating my debit cards and denying me access to online banking. This is because according to Fifth Third Bank customer service representatives all new customers who open new accounts must wait 30 days for security reasons before they are able to use their accounts. But no such policy is made known to customers at the time of opening their accounts.
Consumer complaint received 2022-04-15
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. (FL)

This account is not mine but is reflecting on my credit reports. 

They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXX XXXX any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Consumer complaint received 2019-07-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (PA)

Applied for a mortgage with rocket mortgage by quicken loans to purchase a home on XX/XX/2019. 

Was extremely upfront and honest about what i was looking to achieve ( purchasing a duplex ) and spoke with XXXX XXXX, XXXX XXXX, XXXX XXXX. 

After pulling my credit, seeing that i wanted to put 25 % down as well as more than enough in reserves as well as an income to support it, everyone ( including the underwriter ) stated this would be an easy and quick loan to get done and wouldn't have any problem financing this property. 

After two months of getting pre-qualified, getting pre-approval and conditional approved as well as setting up the appraisal, inspection, receiving estimated closing costs etc i thought it was going great. I stopped talking to other lenders, took time off work to Then, 7 days until closing ( XX/XX/XXXX ) i get a call stating they wont be financing me anymore for this property. I asked multiple times as for the reasons why only to be told vague answers that the company doesn't want to move forward on this. XXXX XXXX would not tell me any reasons as to why i was declined so i have no idea what to fix or if there was something wrong. 

This process has caused me much stress, anxiety, ive have to taken off work to get either fax, email or submit documents, attend inspection and appraisal etc. 

All I'm looking for is why i was declined when they stated i had great credit, DTI ratio, more than enough in reserves and an above median income.