davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-18
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. (PA)

XXXX XXXX XXXXXXXX ( account XXXX ) is now holding a current mortgage note reporting on my credit that DOES NOT contain my signature. I did not approve of this modification and I would have never agreed to these terms had I been given the opportunity to review these documents. XXXX XXXX assumed liability of this mortgage when it was serviced by XXXX and approved of these terms, clearly without review. XXXX approved releasing me of all liability through a modification and then assumption in XXXX, then transferred the mortgage to XXXX XXXX XXXX However, XXXX XXXX XXXX  is still reporting this to my credit. I am not on the NOTE or the Deed to this home. 

In XX/XX/XXXX, the balance on the XXXX  XXXX XXXX XXXX was {$XXXX}. In XXXX, I was removed from the Note and the Deed while being serviced relief by XXXX Mortgage. From that date until XX/XX/XXXX, after heavy research, {XXXX was added to the loan for unpaid installments, interest, late fees, other fees and costs, etc. The payments were only {XXXX which included escrow. This is a gross overestimate of added fees and this is unlawful. 

XXXX  XXXX XXXX ( service relief by XXXX # XXXX ) increased this loan amount ( account XXXX ) by {$XXXX for late fees and interest according to these documents. In XXXX of XXXX, {$XXXX  was deferred for a principal adjustment, another erroneous number. In XXXX, this loan amount was {$XXXX. Now, XXXX years later with no cash out refinancing ever done, its totaling {XXXX  - interest bearing and non-interest bearing- due to fees and interest In XX/XX/XXXX, XXXX XXXX XXXX XXXX began servicing this loan, after I was removed and their records shows a principal adjustment of only {XXXX}, and a balance of {$XXXX}, which would be a total balance of XXXX, not the XXXX. I have attempted to write XXXX  XXXX XXXX, email, call, etc. for XXXX years now and no one ever gets me to the right department. No one calls me back. Everyone says they'll look into it but has no answers for why my signature is not on the current NOTE being held by XXXX  XXXX XXXX and why the balance is incorrect. This is affecting my credit, one, because its not my loan, and two, because of the terms and conditions ( balloon, erroneous loan amount, illegal amount of deferred interest ). The balance is reporting as HIGHER than the high credit limit and the loan has been established for XXXX years. This is fraud on so many levels.
Consumer complaint received 2018-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AL)

I have had an SSN number and a credit card/cards for a year and 9 months now. XXXX  and XXXX have updated my credit score. Yet Equifax hasn't updated my score at all! I applied for an Auto Loan to buy a car immediately as I had moved to a different state. To my shock, they told me that my Equifax score was null and gave me an extremely high interest rate. When I called Equifax earlier today, the first guy said nothing can be done and hung up. When I called a second time, they said I had to mail copies of all my documents such as my SSN, passport, credit card statements or whatever to some address and wait for them to change it and just hung up on me. This is just pathetic and its costing me hundreds of dollars to commute to work. I just moved from XXXX to XXXX and this is my most unpleasant experience in the US. I guess this is expected from a organization which only last year, got hacked and exposed its customer 's confidential details to criminals. Thanks a lot for ruining my week Equifax!
Consumer complaint received 2021-11-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (VA)

ON XXXXXXXX XXXX  MY DEBIT ACCOUNTS WERE HACKED. AS A RESULT, UNAUTHORIZED CHARGES OF {$12000.00} WERE MADE. 
CHASE BANK REFUSED TO PAY BACK TO MY ACCOUNTS. 
I REPORTED PROBLEMS ON XX/XX/2021 AND CHASE BANK DID NOT DO ANYTHING.
Consumer complaint received 2018-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

Inquiry details : XXXX Inquiry from XX/XX/XXXX XXXX XXXX Auto Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Bank Inquiry details : XXXX XXXX, XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX   XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX  XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX, XXXX A Inquiry from XX/XX/XXXX XXXX Credit Card XXXX. 
XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions
Consumer complaint received 2018-07-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lending Club Corp (CT)

I was declined a loan after I already have a loan with them. When I called to discuss why I was declined and to understand how they arrived at the XXXX I was put on hold. Then I was told they arent allowed to transfer me to talk to someone who could explain how they arrived at my XXXX. I believe they may have made a mistake and wanted to ensure they are calculating correctly. I feel it is not fair under and maybe against Regulation B for not explaining and giving me the chance to ensure they have my specific debts and income correctly. I currently have a loan with them and feel they could at least walk me through and explain. At least show me it was fair treatment and not based on discrimination. Instead I was provided with vague answers making it seem like who knows what the decision was really based on.
Consumer complaint received 2022-03-25
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. (PA)

These accounts are fraud and need to be removed from my credit report immediately. I am a victim of identity theft and did not make this charges. Please remove these as soon as possible. I included FTC XXXX affidavits about the alleged accounts. Please delete these accounts as they are causing me substantial harm & inconvenience as a consumer.
Consumer complaint received 2021-08-24
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. (FL)

Good afternoon, I am writing to you because I never authorized any furnishers to report on my credit and the information they are putting on there are fraudulent and wrong. I wrote to all 3 credit bureaus and none of them responded in over 2 months. I want these frandulant reports removed or I will seek litigation because what they are doing is also wrong by putting false medical reports on there I never authorized to report and they never verified any of this. Thank you for your time.
Consumer complaint received 2018-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Inquiry details : XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry fromXX/XX/XXXX Bank Inquiry details : XXXX XXXX, XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX, XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX  Inquiry fromXX/XX/XXXX Auto  Financing XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX, XXXX XXXX   Inquiry from XX/XX/XXXXXXXX Credit Card XXXX. 
XXXX XXXX XXXXnquiry from XX/XX/XXXX Credit Unions
Consumer complaint received 2018-07-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BB&T CORPORATION (FL)

XX/XX/18 XXXX {$39.00} XXXX XXXX {$34.00} XXXX {$11.00} XXXX {$34.00} XXXX   {$14.00} XXXX XXXX {$56.00} XXXX  {$710.00} XXXX {$110.00} Dispute was denied by the bank
Consumer complaint received 2021-11-18
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 (TX)

I have maintained consistent payment activity with this card out of a capital one bank account. For some reason, every few months, capital one credit card puts a XXXX day hold on my card to verify payment goes through, which it always has. I have repeatedly called every few months to get this fixed and the same problem continues after XXXX months. I asked specifically why I am being targeted with this and I keep getting told it is because I make multiple payments on my card. I said it is because I do not want to pay the compounded daily interest so I make multiple payments per week and the rep told me I cant do that so they are now placing my payments on hold. Why should I be paying interest when I ca. make multiple payments.
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX account # XXXX have violated my rights. XXXX XXXX XXXX account # XXXX have violated my rights. XXXX XXXX XXXX account # XXXX have violated my rights. 15 USC 1681 section 602 A. states I have the right to privacy. 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instruction
Consumer complaint received 2023-12-15
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Incomm Holdings Inc. (CA)

This card was bought on XX/XX/2023 for {$250.00} and I plan to gift it to my daughter, unfortunately this card has a XXXX balance, I look it up there are millions of others with this complain, the company wants to file a dispute, this is not a dispute because It has XXXX balance on it.
Consumer complaint received 2017-06-07
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: First Direct Lending, LLC (WA)

I received a letter from First Direct Lending ( attached ) offering me a refinance with cash out. I called and spoke to   XXXX   XXXX  . I explained I wanted a cash out loan as I have credit card debt and am having a hard time paying them on time. My goal is to pay off all debt except the house payment as I plan on retiring in 3 years and my social security will meet the house payment. The house payment has never been late the home is not in default. I made it clear I do not presently live in the home and I was only interested in this loan if a cash out to pay existing debt were possible. I also advised that my credit was not so hot income to debt is high and I am falling behind in credit card payments.My bad credit should reflect only two things 1 ) do I qualify 2 ) at what interest rate. I also stated that to cash out, it was acceptable for the house payment to increase upward to {$1400.00} a month as social security payments to begin in three years would meet that amount. I was not called and advised or emailed and advised that I did not qualify. I received the loan documents ( attached ). 1 ) the stated value of property is {$180000.00}. They did not offer me the loan of {$160000.00} with cash out stated on the letter or a loan near the value mark with cash out, they only offered a loan of {$150000.00}. 2 ) Closing costs for this loan far exceed the typical 2 to 5 % charged. The closing costs are added to the loan. 3 ) My pay off on the current mortgage is {$130000.00} and this new loan amount funds only the extremely high closing costs 4 ) this loan increases my house payment yet it does not better me, it in fact only betters the loan company since they intend to transfer the mortgage as stated in the loan documents. 5 ) the interest rate is the same as I am paying now. All I get out of this is not paying one house payment ( {$1100.00} ) for which my new payment will be {$77.00} more per month for 30 years. {$23000.00} excluding interest over the life of the loan to skip an {$1100.00} payment. 6 ) I made it very clear I do not reside at this residence yet the box marked " primary residence '' is checked for my signature. 7 ) this loan increases my income to debt ratio when the entire point was to cash out and pay down debt. I think that the documents attached speak for themselves. Predatory lending, loan sharking ( {$23000.00} to skip an {$1100.00} payment ) and elder financial abuse. I emailed   XXXX   XXXX    with my concerns, he has not responded.
Consumer complaint received 2022-12-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I previously disputed these inaccurate accounts below and XXXX and XXXX to be specific keep sending me and my husband computer generated stall letters which i will attach basically stating they will not investigate my disputes because they assume i didn't authorize these disputes which is false and preventing housing and job opportunities for me and my family which is damaging on so many levels which is negligent and noncompliance with the Fair Credit Reporting Act ( FCRA ). I have XXXX of the same account reporting on my XXXX with no name attached which is completely inaccurate in itself. Under 15 U.S. code 1681 ( e ) ( b ) and U.S code 1681 ( i ) these accounts are in violation and not reporting 100 percent accurate. Under 15 U.S code 1666 ( b ) Billing error i always paid as agreed and never late. 

Accounts Being Disputed : 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 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 2021-08-24
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. (NY)

Good afternoon, I am writing because XXXX, XXXX  and Equifax are in violation by reporting fraudulent credit information when I never even authorized any furnishers to report on my credit. I will have to seek litigation if this is not removed because this is wrong and an injustice for doing this without my consent. Please update me as soon as possible with this matter, thank you.
Consumer complaint received 2022-12-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I previously disputed these inaccurate accounts below and XXXX and Equifax to be specific keep sending me and my husband computer generated stall letters which i will attach basically stating they will not investigate my disputes because they assume i didn't authorize these disputes which is false and preventing housing and job opportunities for me and my family which is damaging on so many levels which is negligent and noncompliance with the Fair Credit Reporting Act ( FCRA ). I have 9 of the same account reporting on my Equifax with no name attached which is completely inaccurate in itself. Under 15 U.S. code 1681 ( e ) ( b ) and U.S code 1681 ( i ) these accounts are in violation and not reporting 100 percent accurate. Under 15 U.S code 1666 ( b ) Billing error i always paid as agreed and never late. 

Accounts Being Disputed : XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

In XXXX of 2021, a merchant errouneously overcharaged me {$840.00} for a {$48.00} purchase. 

I noticed the overcharge and contacted the merchant for correction and informed the merchant I could not locate the receipt for the purchase. The merchant requested I return to the store for reversal of the charge. However, I noticed my account with the financial institution had restored the overcharge and I thought the matter was resolved. I did not return to the merchant for further assistance. 

In the pursuing months ( XXXX - XXXX, ) the financial institution required documentation from me for investigative purposes ( which I provided to substantiate my claim ) but the financial institution resolved the matter in favor of the merchant although the merchant never provided merchant/customer receipts proving the purchase amount of {$840.00}. The vendor only provided the XXXX XXXX receipt statements which are not evidence of the merchant 's receipt for my in-store purchase.
Consumer complaint received 2021-11-18
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: EQUIFAX, INC. (NJ)

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 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MD)

Last year, I submitted a dispute to Lexis Nexus regarding the inaccurate Bankruptcy reporting to my consumer report.

I asked them to verify the furnisher who reported this information on me. 

They confirmed they received the information from PACER. 

I then reached out to XXXX to confirm how they received this information and how they verified it was accurate. 

I also reached out to the court listed to ask if they provided this information to XXXX or Lexis Nexus. 

The court confirmed they do not provide any information directly to consumer reporting agencies or XXXX. They also said they do not verify the accuracy of information being reported. 

XXXX  is not the entity who can verify this information being reported accurately. Because they are not the original source of this information. Only the court can do that. 

Since the court has confirmed that they did not provide this information to Lexis Nexus. They also confirmed they did not verify any information with Lexis Nexus.

When I reached out to dispute this information, Lexis Nexus completed their re-investigation and responded back saying this information has been verified.

Since the court ( the original data furnisher of this type of information ) did not furnish this information to Lexis Nexus nor verify this information.

I need this inaccurate bankruptcy removed from my consumer report, it is reporting falsely and tarnishing my credit.
Consumer complaint received 2021-11-18
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 — Investigation took more than 30 days
Company: OneMain Finance Corporation (TX)

Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.