davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-13
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BROKER SOLUTIONS, INC. (KY)

Shopping for for mortgage online. Answered some question on New American Funding 's website. Was contacted by them via phone ( XX/XX/2023 ) Spoke with XXXX XXXX. He asked if he could ask some questions. At no time was permission given to do a hard inquiry on my credit report. XXXX proceed to pull this report anyway without my knowledge or consent. The only reason that I became aware was because my credit monitoring software alerted me. He was irritated when I told him I felt that the current offer I had from another lender was better. XXXX hung up on the call. Not only did none of this feel professional, it was also illegal to pull this report without my consent.
Consumer complaint received 2023-01-13
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. (WA)

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2022-02-19
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. (TX)

I am listing the following inquiries below which I never authorized and I ask that they be DELETED from my credit report due to being placed on it without my expressed consent or written authorization! 
XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion
Consumer complaint received 2022-10-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-10-06
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  DATA XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-10-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2021-07-22
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (SC)

Sears/Citibank was allowed to run my credit report based off false pretenses. The company and its representatives advised me that I would be able to make the purchase immediately and the card information would populate immediately in my sears cart online. After maybe 5 different calls to their different departments I was advised to drive almost a hour away to make the purchase via phone in store to confirm with my identification. Once I arrived I was told that XXXX XXXX and Sears are not connected in anyway. After seven or more additional calls to Sears on the long drive back home. I received the same run around with each representative blaming other departments for the misinformation. Finally on Sunday XX/XX/2021 I was finally told the truth that the Sears card that was advertised on their site in the check out cart as being " Apply and Use '' on their website was found to be an false advertisement. they told me the card would arrive via mail within 10 - 14 days. This was for a refrigerator my family desperately needed at the time. I immediately told them to cancel this account that was promoted falsely. They told me they would like to apologize for the mix up and incorrect information I was given ( also in the same call told me that it usually works ). I explained to them that I allowed my account to be accessed based off what I was told online and via phone by their representatives. And although credit is an privilege it is also something each of us have to protect. My request that this inquiry be removed from my account based on it being an inquiry acquired off untruth and false advertisement was declined by Sears/CNBA. After two complaints with XXXX the inquiry still remains. These companies cant give false information on the products or reasoning they are requesting a persons information for an inquiry. Its not right and its fraud. Thank you for your time and help. Please Help
Consumer complaint received 2023-01-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

We received a call from ( supposedly XXXX Bank of America on XX/XX/2022. They said our checking account was showing suspicious behavior that was not our profile ( gambling etc. ) They said it was so extreme that they enlisted the government " social security '' to work with us. The " government '' told us that we had three hours before the transfers could be stopped, or the money would disappear. They said that the government has demo accounts all over the world and that we needed to transfer out money to a Bank in XXXX XXXX. We transferred {$97000.00} to the Bank in XXXX XXXX. We then got another call on XX/XX/2022 and were told that out XXXX account had been compromised and that we needed to send another {$97000.00}, again a wire transfer to a Bank in XXXX XXXX. On XX/XX/2022 we received another call from " the government '' about our XXXX account and we transferred another {$77000.00} to XXXX. When all contact with the " goverment '' ended we realized this was a scam. I immediately called Band of America on XX/XX/2022, spoke with a person named XXXX, and explained what had occurred. She told me the {$77000.00} was safe because I reported it. The money went out the next day. There are XXXX claim numbers associated with this, they are # XXXX, # XXXX, and XXXX. While I realize that fault lies with us, I also believe fault lies with Bank of America. The branch where I went had been recently reopened. While not being critical of the employees I believe that Bank of America should have trained them better to recognize fraud. Very few questions were asked. I am a XXXX XXXX XXXX women. I do not believe that Bank of America did a responsible job in assuring that these transfers were legitimate. Also, when I asked if Bank of America would listen to the recorded statement where I told the person on the phone about the {$77000.00} I was told I would have to do something on my own to open the discussion. I honestly can't say if I was told to get an attorney, or something else. I have talked with Bank of America fraud department ( phone number XXXX numerous times and have gotten nowhere. I received a letter from Bank of America saying that the first claim I submitted ( # XXXX ) had been denied. Other than that, I have heard nothing other than my phone calls to Bank of America where there has been absolutely no resolution offered.
Consumer complaint received 2019-07-17
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. (TN)

I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2017-07-21
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)

Saw that there was an account I did n't recognize when I reviewed my credit report. XXXX? I sent them a request for validation to prove it was mine because I do n't recognize them. They never answered. I sent it registered - I have proof they received my letter. However they never sent me a reply - after 30 days I sent the original letter as well as my proof of delivery over to XXXX, experian, and XXXX. They should delete this as this is not my debt. They say they have investigated and that it is mine. But how is that XXXX has listed a debt, they wont send me any information, how in the world can the agencies validate it? This debt is not mine, and if they can not provide me documentation proving this debt is mine, it needs to be deleted immediately by experian, XXXX, and XXXX. I am very frustrated and the inability to resolve this. Perhaps I should hire a lawyer. I will attach documents
Consumer complaint received 2021-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (MD)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on JPMCB CARD. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-02-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

On XX/XX/2020 and XX/XX/2020, BK OF AMER add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2018-05-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CHECK INTO CASH INC. (CA)

My paycheck wasn't direct deposited in time and the loan didn't get paid. I was assessed some fees due to this and another payment not going through and it made my account negative. I contated the company and they made an agreement to let me pay the loan on XX/XX/XXXX. Since then they have been calling me 5-6 time per day and emailing me. I asked them not to call me but they continue to do so. I don't understand the need to call since we had a repayment plan in place.
Consumer complaint received 2023-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (NV)

On XX/XX/2022 there was a withdrawal of {$500.00} that we, my husband or myself, don't recognize. As a result my husband called the bank immediately to report this and get a new card, which was mailed some days later but we're given a temporary number in order to pay with if it was necessary. My husband have talked several times with people at the bank asking for a *video* that was taken when at the ATM machine. These people have promised to look into that to no avail, at the every body refer that the transaction was done at that ATM without irregularities. They can not provide the video or they are unwilling to provide it. 
I hope that with your agency 's help they will provide it. 
Thank you in advance for your help.
Consumer complaint received 2024-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Dear Sir/Madam, I am writing to file a formal Notice of Claim for Harm and Demand for the immediate removal of derogatory remarks listed on my credit report, which have significantly impeded my pursuit of happiness and financial stability. 

On XX/XX/2024, I obtained a copy of my credit report from TransUnion and upon review, I discovered several derogatory remarks and accounts that are inaccurately reported. These remarks include : XXXX XXXX XXXX : all late payment remarks need to be removed from this account and updated to current. 
XXXX XXXX : There is NO SUCH code mentioned in the TransUnion manual nor was I sent the copy B of the 1099C that was filed for the writing off of this account. This account needs to be removed immediately. 
XXXX XXXX : There is NO SUCH code mentioned in the TransUnion manual nor was I sent the copy B of the 1099C that was filed for the writing off of this account. This account needs to be removed immediately. 
XXXX : Being that XXXX has not and can not provide evidence of license to practice debt collection in any of the 50 states nor have they proved that they have an original contract with wett ink signature, or that they did not merely purchase the alleged debt rather than conduct a thorough investigation to validate the alleged debt, they have trespassed against my person, my life and my finances causing irreputable financial harm to not only myself but my child. 
XXXX XXXX XXXX : Being that XXXX has not and can not provide evidence of license to practice debt collection in any of the 50 states, nor have they proved that they have an original contract with wett ink signature, or that they did not merely purchase the alleged debt rather than conduct a thorough investigation to validate the alleged debt, they have trespassed against my person, my life and my finances causing irreputable financial harm to not only myself but my child. 

These blatant inaccuracies have caused detrimental harm within my day to day and on my credit score and financial reputation, making it difficult for me to access credit, secure loans, or obtain favorable terms for various financial transactions.
Consumer complaint received 2023-01-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (VA)

XXXX XXXX sent me to collections and put a negative mark on my credit report for XXXX XXXX that I didn't authorize to be placed in my name and it's at a residence I don't even live at, I have called the company and told them I didn't authorize any services and I was unaware of services in my name as I don't live at the residence it's associated with
Consumer complaint received 2019-05-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (FL)

The company is XXXX. I had XXXX for about 12 years maybe more but in 2017 I took my phone into the store to get it fixed however because my contract was over the clerk insisted that it would be cheaper for me to just get a new contract. I said no at first because I was already in the market for a less expensive monthly payment. The clerk was very adamant on how my monthly payment would be way less then I was currently paying. Because I had been with XXXX for so long, I agreed, thinking that I would be paying less. my first months bill was way higher then what I normally paid with the old phone and after 2 more months of high charges. I decided to go back to the store and cancel the contract. Of course when I got there they had a different attitude.. there was no way I would pay less the clerk said and my only option was to cancel the contract and turn in the phone. a couple of month later I started receiving calls trying to collect on the price of the phone and the early cancellation of the contract. The manager of the store took the phone from me but yet they want to collect on a phone I returned ... they want to collect on a contract that was falsely sold, just so the clerk can get a commission. They reported me to the credit bureau. shame on XXXX! they should be reported too.
Consumer complaint received 2017-07-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

I have been trying for over 6 months to make payments to NAVIENT for a student loan. They continually claim that the payments are n't going through. I 've been told it 's the bank 's fault, wrong type of account ( savings or checking ), etc ... During this time they are racking up interest and threatening to ding my credit. The bank I use has assured me they have not even tried to access a payment according to their records -- which means they are scamming me for interest. I have a list of attempts that prove my case from them in writing. My account has over plenty of funds to easily make the payments -- someone needs to shut them down!
Consumer complaint received 2015-09-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC (NV)

Enhanced Recovery of XXXX, Florida XXXX XXXX XXXX, FL XXXX has been repeatedly calling my home claiming i owe a XXXX bill of XXXX from XX/XX/XXXX. I explained that i was a sprint customer since XX/XX/XXXX and my same account from them is still active. The person then stated the debt was from XX/XX/XXXX and I am like that 's 15 years ago and regardless if it was my account or not, the statue of limitations has expired. The person told me they were not a 3rd party debt collector and I told him then you work for XXXX? no comment. 
They never at anytime in the last 15 years put it on my credit nor has XXXX ever been on my report either. This a white collar scam!! 

I asked him to stop calling me and he said they will just keep calling so i hung up. They call at least twice a week and this must stop. They have never sent any mail nor registered / certified mail to my address which i did confirm with them. Please Help me!!!
Consumer complaint received 2017-07-21
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)

Saw that there was an account I did n't recognize when I reviewed my credit report. XXXX XXXX XXXX. I sent them a request for validation to prove it was mine because I do n't recognize them. They never answered. I sent it registered - I have proof they received my letter. However they never sent me a reply - after 30 days I sent the original letter as well as my proof of delivery over to equifax, XXXX, and XXXX. They should delete this as this is not my debt. They say they have investigated and that it is mine. But how is that XXXX XXXX XXXX has listed a debt, they wont send me any information, how in the world can the agencies validate it? This debt is not mine, and if they can not provide me documentation proving this debt is mine, it needs to be deleted immediately by XXXX, eqifax, and XXXX. I am very frustrated and the inability to resolve this. Perhaps I should hire a lawyer. I will attach documents.
Consumer complaint received 2016-01-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: ERC (FL)

I have come across an item on my credit report that does not belong to me. An account was opened fraudulently without any acknowledgement ; In other words this account was not opened with my authority or consent and I am unaware of this account ; the balance reported or am I responsible for any debts occurred on this account. Please provide me with the application for service agreement verifying my authorization of the account in question.
Consumer complaint received 2021-02-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Kansas Counselors, Inc. (MO)

I have disputed this item with the credit reporting agency and they reported confirmed the account as valid. In a good faith effort to resolve the matter amicably, I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of the authority in this matter. They have failed to comply with investigations.