davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-25
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: LD Holdings Group, LLC (TX)

On XX/XX/XXXX, I called Loan Depot to ask about loan questions. I was asked my name, address, ss # and telephone number. I was then asked did I want a 30 year loan. I then asked if you ( Loan Depot ) did commercial loans. I was told no. Loan Depot received a credit report from XXXX without my authorization. 

I called Loan Depot on Thursday XX/XX/XXXX, and asked as to why you ( Loan Depot ) ran my credit report. I talked to a female that read the file that was established with my name on it and she repeated the information that is the above mentioned. I was then told that since a file was opened with the stated information that a deletion letter could not be issued. I then asked for a copy of the recorded conversation of XX/XX/XXXX. I was told that the recording could not be found. I then asked why would a credit report be warranted if you ( Loan Depot ) didn't do commercial loans. I received no response. 

On the same day XXXX ran my credit report from XXXX. I have never spoken to XXXX before XXXX. I tried to talk to their serving department, however all I was able to do was to interface with XXXX XXXX auto attendant and received no option to talk to a live person in their servicing department. As far as XXXX goes I could not even request a deletion letter for the hard inquiry. As a result of the XXXX hard inquiries on the same day that were unauthorized my credit score dropped more that XXXX points.
Consumer complaint received 2017-12-24
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: EQUIFAX, INC. (CA)

Equifax is reporting two accounts for student loans with a company called XXXX ( Account # XXXX ) that was opened due to identity theft. I have sent in police reports to prove this identity theft and these account still have not been removed
Consumer complaint received 2022-07-09
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. (TX)

I sent this letter on XX/XX/XXXX to all the 3 Major Credit Bureaus for investigation on inaccurate data on my credit report. I pointed all the incorrect information from Date of Last Activity, High Balance amount, last payment date etc. all different from each credit bureau. This is impacting me greatly because it is keeping me from making major purchases because of the inaccurate information on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX To Whom This May Concern After recently reviewing my credit report I noticed several inconsistencies regarding account ( XXXX/ Acct # XXXX ) on the date of the last activity section. XXXX is reporting a date of last activity XXXX, Experian is reporting a date of last activity XXXX and XXXX is reporting a date of last activity of XXXX. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately. Below you will find a screenshot of the account. 
XXXX  XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX Account Type : Credit Line Credit Line Credit Line Account Type - Detail : Line of credit Check credit/Line of credit Line of credit Bureau Code : Joint Joint Joint Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$5000.00} {$5000.00} {$5000.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$0.00} {$0.00} {$5000.00} Credit Limit : {$5000.00} {$5000.00} {$0.00} Past Due : {$5000.00} {$5000.00} {$5000.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the XXXX XXXX. Charged off account Line of credit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2019-08-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (GA)

they had closed my account for no reason, i have not yet know why, i was not doing anything wrong, money was being sent to my card from a relative, the balance on my card was XXXXcts, they have not sent my refund..
Consumer complaint received 2022-11-30
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. (TX)

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 names XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. THE 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 2022-07-09
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: United PanAm Financial Corp. (OH)

In Accordance with the Fair Reporting act XXXX Account, 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
Consumer complaint received 2022-07-09
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. (OH)

In Accordance with the Fair Reporting act

XXXX Account, 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
Consumer complaint received 2022-07-09
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. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, Bankruptcy XXXX  XXXX-discharged Reference # XXXX, US DEPT OF EDXXXX Account # 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
Consumer complaint received 2022-07-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY (CA)

im writing on a paid charge off. I have paid my dues but yet they havent removed from my credit report.This is a paid charge off but shows that it was settled please delete immediately.When i paid this they said they would remove from my consumer report 2 years ago and never did and now its affecting me trying to get a mortgage
Consumer complaint received 2022-07-09
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. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-07-25
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: EQUIFAX, INC. (TX)

This form is being used to report unauthorized inquiries on my consumer credit report. I did not authorize these inquiries and I did not give permission to anyone/company to run my credit. I have an active Fraud alert activated on my consumer credit report, would like these inquiries deleted off my report due to Fraud immediately. 

XXXX XXXX  - date of inquiry XX/XX/XXXX TXXXX XXXX- date of inquiry XX/XX/XXXX XXXX - date of inquiry XX/XX/XXXX XXXX date of inquiry XX/XX/XXXX XXXXXXXX XXXX- date of inquiry XX/XX/XXXX XXXX XXXX- date of inquiry XX/XX/XXXX and XX/XX/XXXX and also on XX/XX/XXXX. 
XXXX date of inquiry XX/XX/XXXX XXXX- date of inquiry XX/XX/XXXXXXXX XXXX- date of inquiry XX/XX/XXXX XXXX- date of inquiry XX/XX/XXXX XXXX- date of inquiry XX/XX/XXXX XXXX date of inquiry XX/XX/XXXX. 

Thank you and appreciate your assistance in this matter.
Consumer complaint received 2022-07-09
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (TN)

I opened up a citi bank account on XX/XX/XXXX to receive my job direct deposit it on XX/XX/XXXX my direct deposit from my job was sent over on XX/XX/XXXX it cleared as soon as it cleared citi bank closed my account with no explanation to why or how I will get my money back Ive called 63x since XX/XX/XXXX and theyre holding my money my job tried to a reverse ach and they rejected it without any explanation i need help getting my money back please. They not answering any question and keep saying for a check in mail within 60-90 days thats a long time
Consumer complaint received 2019-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I received a notice XX/XX/2019 that my credit card account was being forcibly closed. This is likely to affect my credit score as it is my oldest account. I filed a Better Business Bureau complaint and spoke to someone from the Executive Office today, XX/XX/2019. 

I have dealt with other companies that send a reminder before they close your account. This is a much more customer friendly and facing policy than the draconian nature in which Capital One dealt with my account. 

I believe that giving the consumer the option to maintain an account is a better policy, and as a result I will no longer give business to CapitalOne now, or in the future.
Consumer complaint received 2022-07-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (CA)

In XX/XX/XXXX, XXXX XXXX XXXX agreed to accept my daughter and I as new clients, knowing he was leaving the provider XXXX XXXX, approx 2 months later. 
We saw this dr twice, and received a bill for over $ XXXX a few months later ( XX/XX/XXXX ). I called the provider under which the dr was working, and I was told to disregard the bill as my insurance was not billed for an unknown reason. 
I never heard about this again until I called in XX/XX/XXXX to schedule an appointment for my daughter and I. My appointment was refused as the provider claimed I still had XXXX balance over $ XXXX. An appointment was booked for my daughter However, my insurance properly billed, and my co pay was {$40.00}. Same insurance, same providers. 
Not only did XXXX XXXX vanish sending no notice about any balance, but his termination with XXXX XXXX XXXX was abrupt, unnoticed and neither XXXX nor XXXX contacted me regarding this debt, that should have been submitted to my insurance as agreed, and which should have and would have been paid with very little owed by me. Today, my credit score is affected and in turn, my interest rates, my commercial lease amounts, and my credit offers. I am a business owner, a collections account with no notice, and in violation of multiple laws, is now damaging me. 
I submitted a dispute and it simply came back accurate. I received nothing more.
Consumer complaint received 2017-12-22
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. (IL)

They have been asked repeatly for the last 18 months to produce a signed credit appl, a loan repayment or loan document that has my signature they can not because I never signed one removal of account and XXXX damages for failing to comply with FDCRA
Consumer complaint received 2017-12-22
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. (WI)

Submitted Dispute on credit report, incorrect reporting on accounts ( ie, collection item, which evidence from Insurance Company, was provided showing Im not liable for ) and personal information and outdated items on XX/XX/XXXX via Transunion Dispute webpage, on XX/XX/XXXX via fax and XX/XX/XXXX via Transunion Dispute webpage. No confirmation and no evidence has been provided that items have been removed, inquiries have not evidence that it was me requesting the cred and most recently, after a credit freeze was requested after the theft of my wallet on XXXX/XXXX/XXXX new inquiries have appear, which I have not requested.
Consumer complaint received 2022-07-09
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)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experience refuses to remove this of the credit report. After providing numerous documentations to them for over a year. 

The responses the company has verified it. The last time they stated to me that the court verified it. Attached is a letter from the Bankruptcy XXXX XXXX XXXX XXXX 

I will like this problem rectified or Ill be seeking further legal action. Regarding Experian misrepresenting itself stating that it has verified the information with the court. In good faith. Im trying to resolve this as quickly as possible.
Consumer complaint received 2022-07-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK (CA)

I own a Savings accounts with the Discover Bank. In the past two weeks, my account was locked without access with no reason provided. In several attempts between XX/XX/XXXX to XX/XX/XXXX to resolve the issue with Discover Bank, the customer service from phone calls claimed that such issues would be handled by their security team. However, in several attempts to call the number XXXX, each time I would be put on hold for more than 2 hours without being answered in their claimed " working hours '', in at least 4 attempts all together spanning the past two weeks. The direct impact of this sudden, un-documented account freezing is that our external transfer to another bank has been rejected, which has caused significant disturbance to our financial plans. Thereby, I request that CFPB to urge the Discover Bank to take immediate action in resolving the issue.
Consumer complaint received 2022-07-09
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX USDOEXXXX Account # XXXX DPT EDXXXX has violated my rights. 

15 U.S.C 1681 Section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-25
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: EQUIFAX, INC. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, account which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX Date Opened XX/XX/2014 Balance {$3400.00}. 

If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

This is to express my deep concern and frustration regarding the slow response to removing fraudulent items from your platform. As a loyal user of your service, I am alarmed by the frequency with which fraudulent listings appear and the lack of swift action taken to address these issues. 

In recent weeks, I have noticed an increasing number of fraudulent items being listed on your platform. These items not only deceive unsuspecting customers but also tarnish the reputation of your company. Despite reporting these fraudulent listings promptly, I have observed a significant delay in their removal, allowing them to continue deceiving users for an unacceptable period. 

The presence of fraudulent items undermines the trust and credibility of your platform, posing serious risks to users who may fall victim to scams or receive substandard products. It is imperative that your company takes immediate and decisive action to remove these fraudulent listings and prevent further harm to your user base. 

I urge you to implement more robust fraud detection mechanisms and allocate sufficient resources to ensure the swift removal of fraudulent items from your platform. Additionally, providing users with clearer channels to report suspicious activity and timely updates on the status of their reports would greatly enhance transparency and accountability. 

Failure to address these issues promptly not only jeopardizes the safety and security of your users but also reflects poorly on your company 's commitment to providing a trustworthy platform. I implore you to prioritize the removal of fraudulent items and take proactive measures to safeguard the integrity of your service. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXXXXXX XXXX  XXXX XXXX XXXX XXXX {$5700.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/2022 XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Owed XXXX {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$5700.00} XXXX
Consumer complaint received 2022-07-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Stellantis Financial Services US Corp. (CA)

On XX/XX/XXXX, First Investors Servicing added {$220.00} to my balance under XXXX ( non-sufficient funds fee ). The reason for this amount was due to a XXXX DMV registration fee that was included when I refinanced this car. The fee was not due to XXXX. 

I continued making my monthly payment of {$280.00} and would pay extra every month to pay off the {$220.00} balance. 

On XX/XX/XXXX, the balance of {$220.00} was completely paid off. 

I continued making my monthly payment of {$280.00} and I continued to may extra payments every month ( now ) towards the principal balance. I called customer service several times to inform them that I would continue making additional payments ( in addition to my regularly monthly payment of {$280.00} ) and I wanted those additional payments to be paid towards the principal balance. 

First Investors Servicing has not applied those additional payments towards principal rather simply applied it towards my monthly auto payment. As a result, I'm XXXX months " ahead '' of my regularly monthly payment. 

Example : Statement for XX/XX/XXXX l payment due date is : XX/XX/XXXX I simply requesting for First Investors to apply any additional payment ( after monthly regular monthly payment ) towards my principal. The company has told me that their system doesn't apply additional payments towards the principal balance.