davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-12
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/XXXX I found out that my XXXX Credit Card limit had been dropped from {$1800.00} to {$100.00}. I had just completely paid off the credit on XX/XX/XXXX. I have never missed a payment, never been late, yet my reward for paying off my credit card was for XXXX XXXX. This is actually the 2nd time XXXX XXXX has done this to me. On another account they lowered my limit from {$2500.00} down to {$1500.00} even though again, I have never missed a payment, and that card was completely paid off. My credit score is at the exact spot it was when XXXX XXXX issued the cards to me.
Consumer complaint received 2020-07-31
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)

I wanted to buy my XXXX yr old son a new car for his birthda. I got my credit pulled at the dealership. There was stuff on my credit that I have never seen before. Please remove these things from my credit.
Consumer complaint received 2022-07-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Santander Consumer USA Holdings Inc. (FL)

Santander consumer USA repossessed my vehicle in XXXX, once they had possession of the vehicle they removed the collection from my account in XXXX then placed the debt back on my account after, selling the account to another collection company by the name of XXXX XXXX. I have reached out to XXXX XXXX in which they have been very rude and aggressive with their words. I have also reached out to Santander Consumer in regards to their law suit ( which I have qualified ) they then gave me the run around and had me contact the direct line for the pay out the pay out line has then stated that I would need to contact Santander again to have them delete my collection and remove the debt. Santander has yet to remove the collection and have been giving me a run around stating they do not see me in their system. However, they have illegally sold the collection account to a collection agency in the middle of the law suit. I would like the collection completely removed from my credit and would like my credit repaired for having that collection on my account for so long. Santander had my interest rate at 28 % which has caused me to default. Santander has sent out letters in regards to the law suit but has not proceeded with what they have stated. I am not in debt over {$8000.00} and have been dealing with the stress of not being approved for anything because of the unprofessionalism of Santander Consumer.
Consumer complaint received 2022-06-15
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. (OH)

Transunion is listing personal information ( names, addresses, employers, phone numbers, etc ) inaccurately. 

Transunion is also listing multiple credit inquires on my credit report with most ranging from XXXX XXXX XXXX  with the highest number of inquiries being XX/XX/XXXX that were fraud and not authorized by me. I have contacted Transunion with stated information, and they responded that inquiries are " factual ''. This is NOT factual information as these are not my inquires and all of them are either through dealerships or credit unions that is not even in the state in which I am located. 

XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX 's XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-07
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. (VA)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2022-06-18
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: WELLS FARGO & COMPANY (NY)

XXXX account were opened in XX/XX/2022 without my knowledge or consent using my name and credit information. My identity has been stolen. 
I contacted the XXXX credit bureaus and attempted to freeze my account to avoid any more theft. 
Wells Fargo card is for {$23000.00}. XXXX XXXX ) is for more than XXXX XXXX.I have contacted Wells Fargo by phone and was told there was no account in my name. Then the woman asked for my social security number. I refused and hung up. 
I have written XXXX ( XXXX ) about the problem. 
I want these accounts removed from my credit reports.
Consumer complaint received 2022-03-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (NJ)

My loan was transferred to Rocket Mortgage to service recently. 

I have told them numerous times that I do not wish to receive calls or emails regarding refinancing or anything that is not related to simply just servicing my mortgage. Including the attached email sent on XX/XX/2022. 

Today in the morning, XX/XX/2022 at XXXX I received yet another call to talk to me about " making sure I am paying the right amount '' on the mortgage. 

This is infuriating, not because of the call calling, but because as consumer advocate it is clear as day to me that the reason why Rocket Mortgage is is servicing this account is to gain consumer data and increase the ability to target people to refinance. This should not be right, mortgage services should not use the personal information of the newly acquired borrower to simply try to sell them a new loan. 

I would like these calls and these promotional emails to STOP. 

Thanks for your time.
Consumer complaint received 2021-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (WA)

I tried to withdraw funds from my US Bank account through XXXX XXXX. I scheduled a transfer for {$4000.00} and it was withdrawn on XX/XX/XXXX. The transfer did not complete successfully and the funds are stuck in limbo somewhere. The funds have been missing for an entire month. The trace number for this transaction is XXXXXXXX XXXX  XXXX  told me they are helpless to do anything and I would have to file a dispute through US Bank. I did so and my dispute was rejected because I authorized the transaction. I have to recourse and no way to recover my funds.
Consumer complaint received 2020-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the  XXXX . 
Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX CT, XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX Please remove the following Telephone Numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2022-11-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Hello, I submitted a request to all three major credit companies, XXXX, Transunion, and XXXX, on XX/XX/2022. I asked to have an investigation done on various accounts on my credit report, including some that I stated may have been fraudulent. I sent my inquiry letters by certified mail and got a receipt of delivery which I can provide if needed. I received a response from only one company XXXX on XX/XX/2022, requesting more information. This was sent 5 months after receiving my initial request. I received no response from the other XXXX companies. It is now XX/XX/2022. This is unacceptable and from my understanding, they are to remove the requested items due to their lack of response.
Consumer complaint received 2018-05-12
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. (CA)

I on XX/XX/2018 have sent Equifax a certified mail asking for verification of an account that I suspect is fraudulent. 
under the FIR CREDIT REPORTING ACT UNDER SECTION 611, Notice of Results of Reinvestigation ( A ) In general. A consumer  reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.

( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ;
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-06-15
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. (TX)

In accordance with the Fair Credit Reporting Act, XXXX Account 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 an account without my written instructions
Consumer complaint received 2018-04-22
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: CORELOGIC INC (TX)

I visited XXXX XXXX XXXX in XXXX, Texas on XXXX-2018 with a pre-qualified notice from my current bank, XXXX  XXXX. The salesman and financial manager ran credit report inquiries without my permission with 2 different banks, XXXX XXXX via Credco and XXXX XXXX. 

I called the dealership to complain and they told me I needed to file a dispute. I distinctly asked the sales manager not to run my credit. 

I texted that night after receiving an alert that 2 inquiries were made. I told him I had trusted him and he said he trusted the financial manager also. 

I have the phone text showing this conversation. I also have an email stating I would have to file a dispute.
Consumer complaint received 2021-10-08
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 (NY)

I had a group of invalid transactions for which the merchant owed me full refund. Capitalone recovered these amounts through the XXXX Dispute process, and the disputes have been fully resolved as of XX/XX/2021. After the credits were fully resolved, my account had a credit balance of XXXX. On XX/XX/2021 the credit balance was zeroed from my account to be mailed back for the credit balance refund. This refund was never received and was placed in some uncollected funds account pending for approval to assure the dispute cases were fully expired. This has been pending since for 9 months, and still as of today the my credit balance refund has not been received. 
- I previously filed a complaint about this under Capital One XXXX : XXXX - CFPB Case : XXXX. I received a reply on XX/XX/2021 stating : - We understand that you would like a credit balance refund. However, the funds are still under investigation. At this time, there is not a time limit on how long the funds will be held. Once the investigation is complete and the hold has been released, we will contact you. 
- Since XX/XX/XXXX, 2 additional months have passed without resolution. 
- Respectfully, I would think that within these 2 months you should have long completed the review. I do not believe you have any legal right or justification to continue withholding my funds. You have left me now without recourse because the merchant has been chargedback and you are holding the credits for all this time. This is unfair and needs to be resolved without any further delay. 

Thank you,
Consumer complaint received 2022-06-18
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: EQUIFAX, INC. (KY)

XX/XX/2022, I checked my credit report from a collection listed on my report from XXXX collections. I filed an dispute with Equifax the same day. On XX/XX/2022, I received a message from Equifax that my dispute was completed, but it didn't specify anything about the fraudulent charges. On my other credit reports it was resolved and removed. Equifax failed to investigate the situation and removed the fraudulent charges from this collection agencies, so I'm filing a class action suit against them and the collection agencies for fraud and constant harassment. This is screwing up my credit. I'm a victim of identity theft, and I had to go through XXXX with the XXXX to get my identity protected. I have no other choice but to file a lawsuit. This is getting ridiculous and out of hand. This collection keeps popping in and out on my credit report for XXXX years now, going on XXXX. It's not even permanent. It just appear off and on all over my credit report. But they don't see fraudulent charges there. I contacted the collection agencies and they even send me fraudulent papers to fill out, but yet they keep posting these charges on my credit account. I know it's against the law for these types of organizations to see personal information to creditors and this what's happening now. 

Company : XXXX XXXX XXXX keep reposting this every XXXX months and the amount keeps changing. The organization they are helping scamming people is the same organization that's been sued several time this year and last year, and previous years for fraud, identity theft by the Department of Education for scamming students, with multimillion dollar lawsuits. They still have thousands pending class action lawsuits against them today and I'm going to be added to filing a class action suit against them too. XXXX XXXX University is a scam college and uses people personal information to gain financial support from scamming students who graduated XXXX XXXX years ago, with made up debt that doesn't exist besides student loans. They should be sued and shut down across the country with all the lawsuits they loss and had to repay people and the department of education XXXX XXXX suits for lying and committing fraud. They were found guilty of all fraudulent activities and they are still at it. 
Amount : {$1900.00} XXXX XXXX : Equifax.
Consumer complaint received 2024-02-07
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. (CA)

I have reviewed my consumer reports and noticed that I had four late payments on an account that I was never late on. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of XX/XX/23, XX/XX/23, XX/XX/23, and XX/XX/23. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks in advance! Please see screenshot attached :
Consumer complaint received 2022-03-04
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: National Credit Adjusters, LLC (IL)

I sent a Consumer Notice of Fact to National Credit Adjusters , LLC in regards to a collection account showing on my credit report. I have tried disputing this with them to get it removed pursuant 15 USC 1681b ( a ) ( 2 ) but they have blatantly disregarded my concern stating they can not remove it per their company policy but also claim to be in compliance with the FCRA. There is no law that states NCA is able to or required to furnish a consumer report in my name without my permission. It is a violation of my federally protected consumer rights. Pursuant 15 USC 1681b ( a ) ( 2 ) of the FCRA states, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I did not give NCA or its affiliates written permission to furnish a consumer report. 

The debt collector, NCA is also a debt buyer according to the account status on my credit report. NCA has purchased my information and shared my information without my consent. This is a violation of 15 USC 1692c ( 3 ). It states, Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

I will highlight that the above statement does say " a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law ... ''. A debt collector may only communicate with a consumer reporting agency if otherwise permitted by law. The law that gives permission to communicate this information is 15 USC 1681b ( a ) ( 2 ). 

Pursuant 15 USC 1692a ( 2 ), The term " communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium.
Consumer complaint received 2022-03-04
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. (IL)

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 2018-04-22
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: Experian Information Solutions Inc. (SC)

I have unauthorized credit inquires on my XXXX credit report. I have tried to contact the companies but have had no luck. I'm trying to purchase a house and need these inquires removed from my report ASAP. 

XXXX  XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX )