davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-16
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I received a report through both XXXX  XXXX  and XXXX XXXX XXXX that a new hard inquiry had been reported on both my XXXX and XXXX credit reports. 

Both accounts show a hard inquiry from Capitol One on XX/XX/2022 located at XXXX Capitol One, XXXX, VA XXXX, Phone Number ( XXXX ) XXXX. 

I did not submit an application for credit with Capital One. Capital One was unable to verify any credit application using my social security number or cell phone number. Capital One refused to attempt to find an application using other personal data ( name, birth date, address ) that might have been compromised. 

My XXXX report reflects that : Within the past 90 days, companies that requested your report provided the following information. 

Name XXXX XXXX Requested On XX/XX/2022 Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone ( XXXX ) XXXX This is presumably the information that was provided to Capital One in connection with the credit inquiry. However, the address does not match any of my record addresses, which should have alerted XXXX to the likely fraudulent nature of the inquiry. XXXX apparently nonetheless responded to the inquiry from Capital One. XXXX has refused to delete the inquiry from my account without a Letter of Deletion from Capital One, which has disclaimed any knowledge of the inquiry and refuses to further investigate or a police report. 

XXXX allow me to submit an online dispute regarding the inquiry but summarily dismissed the dispute with a statement that " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE XXXX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' They similarly indicated that my only options were to pursue it with Capital One or obtain a fraud report. 

I also received a call purportedly from Capital One 's fraud department directing me to call in reference to a recent application ( XXXX ). This does not appear to be a legitimate call from Capital One, as this number is not referenced on any Capital One site.
Consumer complaint received 2022-03-16
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. (GA)

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 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). XXXX XXXX XXXX is depriving my of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EQUIFAX by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX, XXXX, XXXX, and LCI have deeply failed me. These companies have not responded to my disputes over the last 60 days. 

There is an inaccurate bankruptcy that is reporting on my credit report that I am in immediate need to address and correct. The bankruptcy should not be reporting on my credit report at all. Please help!
Consumer complaint received 2022-03-16
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. (IN)

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 2022-03-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (MI)

Before the pandemic, I paid a day or two ahead of time for a type of benefit that they didn't clearly explain and I accommodated that. 
It seems as though that when I paid it early, the creditor would process the payment late or have some excuse as to why the payment did not post in time to correct the issue. 

As a result, I have a late payment for this creditor on my credit report that says I was 30 days late on a payment. It is farthest from the truth.
Consumer complaint received 2022-03-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONRAD CREDIT CORPORATION (CA)

I sold a scooter to a girl. I sent dmv bill of sale. I guess it got towed 2 years later and so conrad credit puts on my credit report that I owe a tow company that I never heard of. This is in XXXX. I contact them and respond by asking for proof I owe the debt which they never sent and refuse to accommodate me despite burden of proof being on them. I conacted them back then and they removed debt from bureaus. I check my XXXX recently in XXXX and the debt is still reporting. So I disputed it again, then called them and they are refusing to remove it. I have attached proof I sold the vehicle. And want them to stop reporting I owe a debt.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

An account with XXXX XXXX is reporting on inaccurately with XXXX, Equifax and XXXX. The discrepancies in reporting includes the following : ( 1 ) Date Opened ; ( 2 ) Date Last Active ; and ( 3 ) Payment History. Account to my credit report, XXXX is not reporting a payment history ; XXXX is reporting a repossession and Equifax is reporting that my account is in good standing. I have attached a copy of the account as it is recorded on my credit report.
Consumer complaint received 2022-03-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Zenith Financial Network Inc (CA)

I filed a previous complaint # XXXX. This was concerning a debt payoff to ZFN & Associates last year ( Account # XXXX ) that was mistakenly paid to them on a debt being paid through court settlement. 

Zenith Financial 's response on XX/XX/22 was " Our client has not responded in a timely manner, therefore we are mailing the consumer a refund of {$1500.00}. '' I have made multiple attempts to their Compliance Dept to find out the status of this refund. The only call backs I have received ( one in XXXX, one in XXXX ) were to tell me the refund would be going out the following week. At one point around XX/XX/22, an employee stated that " we have reached out to the president of the company. He is currently on vacation, but when he returns next week he will personally send out a check ''. 
To date, this has not happened.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

On the date of XX/XX/XXXX an account with XXXX XXXX was opened account was listed as charged off for {$29000.00} listed as past due XX/XX/XXXX. Also with this company an account was open on XX/XX/XXXX and listed as charged off for {$610.00} written off as past due XX/XX/XXXX With XXXX XXXX  XXXX an account was opened on XX/XX/XXXX listed as charged off for {$27000.00} written off XXXX past due XX/XX/XXXX With XXXX XXXX XXXX XXXX opened XX/XX/XXXX an open balance for {$5200.00} and a past due balance of XXXX on XX/XX/XXXX was listed
Consumer complaint received 2022-03-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANCO POPULAR DE PUERTO RICO (KS)

I'm trying to refinance my primary home mortgage. I'm a co-borrower on a loan that my brother has on a house and the loan is being reported in my credit report. In order to finish my primary home refinancing, the bank that I'm trying to refinance my primary home loan ( XXXX XXXX XXXX XXXX ) requires that the Bank Popular de Puerto Rico ( I'm a co-borrower ) send them the last bank statements. Banco Popular de Puerto Rico has refused to send the bank statements ( estado de cuentas ). 

XXXX XXXX XXXX XXXX  personnel, the XXXX XXXX verification agency and myself have been asking to the Banco Popular for loan statements since XX/XX/XXXX and up to yesterday XX/XX/XXXX, but the bank refuses. Since I'm a co-borrower and that the loan appear in my credit report agencies, I believe that by US federal law I'm supposed to obtain the loan bank statements. My primary home refinancing bank ( XXXX XXXX XXXX  ) has approved the loan with the condition that Banco Popular send the loan bank statements that is appearing in my credit report. I have written XXXX disputes with the credit report bureaus, but the banco Popular refuses to provide the bank statements. I believe that they are violating my right to refinance my primary home and they should be held accountable for it. 

I just would like the Banco Popular to send the bank statements to myself or to XXXX  XXXX XXXX XXXX  so they can proceed with the approval of my primary home refinance loan. I have tried several times and I have called the banco Popular, but I get nowhere with the case. Please help me to resolve this issue. Thanks
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX is incorrectly reporting my account as charged off. Any account for me ( XXXX XXXX XXXX ) with XXXX was paid in full.
Consumer complaint received 2022-03-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IN)

Monday, XX/XX/XXXX I received a letter from XXXX stating that they will be closing my business account and that I have until XX/XX/XXXX to make arrangements to transfer funds, etc. I called the corporate office and no one could tell me a reason as to why they closed the account.
Consumer complaint received 2022-03-16
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. (IN)

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 2015-09-29
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Cottonwood Financial Ltd. (TX)

The cash store turned my debt over to XXXX XXXX XXXX who have a guy named XXXX XXXX calling me and My employer, demanding to speak with the XXXX. He has repeatedly discussed that I owe money and that they are serving me in XXXX hours with a law suit. My employer is becoming angry over this and have asked them to stop but they have n't. He said today that the debt was from the XXXX. 
I have many recordings of his statements.
Consumer complaint received 2022-05-05
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: Rocket Mortgage, LLC (NJ)

I spoke with Rocket Mortgage on Friday XX/XX/2022. I had received mailers and wanted to discuss their mortgage products as we were interested in refinancing in XXXX. I was asked if they could pull my credit, and immediately asked if this would be a hard credit check. No was the immediate answer. I was told it was a special mortgage check. Shortly after the call, my credit alert services all notified me that there was a hard credit check performed by RM. I escalated to XXXX XXXX who, after taking almost a full week to look into the situation, called me back and said there was nothing they could do. No explanation was offered, no recourse provided. During the six days I waited for a call back, I received multiple calls from Rocket regarding refinancing products and reiterated my complaint. I asked to further escalate and was told no, XXXX XXXX makes the decisions. RM used a deceptive tactic to pull my credit for a loan that we werent planning on even applying for until several months from now. On the initial call I even admit that I had plans to spend some time working on my credit score and paying down cards because we werent ready to apply yet.
Consumer complaint received 2017-09-08
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. (CA)

Due to the Equifax security reach, my personal information has been compromised and I was not alerted about this personally, but via the news/internet. They know how to reach those impacted and put the onus on the victims of potential identity theft. I checked via their website and found that my information was stolen, and could be used.
Consumer complaint received 2017-09-08
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. (MO)

Equifax mishandled my information, which puts me and over 100 million other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
Consumer complaint received 2022-05-05
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

The account in question has been paid and the debt settled prior to the purchase of my first home in XXXX. Since then this company has continued to file fraudulently on my credit report every few years demanding payment of this settled debt. Every time I have disputed this debt and it has been removed from my credit report. Now I am being contacted by a third party on behalf on HSBC bank attempting to sue for this settled debt from 17 years ago in XXXX ( date of when the account was closed ).
Consumer complaint received 2024-02-10
Product: Credit reporting 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. (FL)

I recently reviewed my credit report and noticed a multitude of inquiries by ( EXPERIAN, XXXX, & XXXX ) which I DID NOT initiate and am requesting removal. 

Experian : XXXX XXXXXXXX XXXX XXXXnquiry XXXX XXXXXXXX XXXX XXXXXXXX XXXX inquiry XXXX. XXXX inquiry XXXXXXXX XXXX XXXX XXXX inquiry XXXX. XXXX XXXX XXXX XXXX inquiry XXXX. XXXX XXXX XXXX inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX inquiry XXXX. XXXX XXXX inquiry XXXX. XXXX XXXX XXXX XXXX inquiry XXXX XXXX XXXX XXXX XXXX XXXX inquiry XXXX XXXX XXXXXXXX XXXX XXXX inquiry XXXX. XXXX XXXXXXXX XXXX, inquiry XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX, inquiry XXXX. XXXX XXXX XXXX XXXX inquiry XXXX. XXXX XXXX, inquiry XXXX. XXXX XXXX XXXX XXXX inquiry XXXX. XXXX XXXX, inquiry XXXX. XXXX XXXX, inquiry XXXX XXXX XXXX XXXX, inquiry XXXX. XXXX XXXX XXXX inquiry XXXXXXXX XXXX XXXX XXXX, inquiry XXXX. XXXX XXXX XXXX, inquiry XXXX. XXXXXXXX XXXX XXXX XXXX inquiry XXXXXXXX XXXX  XXXX XXXX XXXX, inquiry XXXX. XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXX XXXX inquiry XXXX XXXX XXXXXXXX XXXX XXXX XXXX inquiry XXXX XXXX XXXX XXXX inquiry XXXX. XXXXXXXX XXXX XXXXXXXX, inquiry XXXXXXXX XXXX XXXX XXXX XXXX inquiry XXXX. 

XXXX : XXXX XXXX. inquiry XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry XXXX. XXXX XXXX. Inquiry XXXXXXXX XXXX XXXX Inquiry XXXX. XXXX. Inquiry XXXX XXXX XXXX XXXX inquiry XXXX. XXXX XXXX inquiry XXXX. XXXX XXXX inquiry XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Good Afternoon, What company, entity, or organization is engaging in conduct you believe violates the antitrust laws? 
XXXX XXXX and Credit Reporting Bureaus How do you believe this entity may have harmed competition? 
XXXXXXXX XXXX sold several accounts to other Mortgage institutions, which closed the old accounts of several mortgage holders ( me being one of them ) and transferred them to the new mortgage company. 

As a result, it was reported as a closed account to the credit bureaus, which caused my credit score to drop an average of XXXX points. The same is happening for people who sell their homes. With lower credit scores, people now have to acquire less favorable interest rates and terms on new loans and have their existing creditworthiness come into question by other creditors on their files. 

What is your role in the situation? For instance, are you a customer, competitor or supplier? 
My mortgage loan was transferred from XXXX XXXX to XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX was reported as 'closed, ' which caused my credit score to drop by XXXX points. I am in the middle of applying for a second home loan and was told that my rates will dramatically change with a XXXX point drop on my score. 


I contacted both XXXX XXXX and all credit reporting Bureaus and was told that there is nothing they can do. According to 15 USC CHAPTER 41, SUBCHAPTER III : CREDIT REPORTING AGENCIES, the Accuracy and fairness of credit reporting is manipulating and " directly impair the efficiency of the banking system. ''
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Good Afternoon, What company, entity, or organization is engaging in conduct you believe violates the antitrust laws? 
XXXX XXXX and Credit Reporting Bureaus How do you believe this entity may have harmed competition? 
XXXXXXXX XXXX  sold several accounts to other Mortgage institutions, which closed the old accounts of several mortgage holders ( me being one of them ) and transferred them to the new mortgage company. 

As a result, it was reported as a closed account to the credit bureaus, which caused my credit score to drop an average of XXXX points. The same is happening for people who sell their homes. With lower credit scores, people now have to acquire less favorable interest rates and terms on new loans and have their existing creditworthiness come into question by other creditors on their files. 

What is your role in the situation? For instance, are you a customer, competitor or supplier? 
My mortgage loan was transferred from XXXXXXXX XXXX to XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX was reported as 'closed, ' which caused my credit score to drop by XXXX points. I am in the middle of applying for a second home loan and was told that my rates will dramatically change with a XXXX point drop on my score. 


I contacted both XXXX XXXX and all credit reporting Bureaus and was told that there is nothing they can do. According to XXXX5 USC CHAPTER 41, SUBCHAPTER III : CREDIT REPORTING AGENCIES, the Accuracy and fairness of credit reporting is manipulating and " directly impair the efficiency of the banking system. ''
Consumer complaint received 2023-06-16
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

This is XXXX XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-07-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (IN)

XXXX XXXX ( Cable/Cellular ) has passed a debt on for collection to Enhanced Recovery Company, XXXX XXXX XXXX, XXXX, FL XXXX in the amount of {$820.00} on XXXX/XXXX/2017. I was never informed of any debt and I would like this cleared off of my credit report.