davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (WI)

I sent all three credit bureaus a certified letter disputing this hard inquiry from XXXX XXXX. On XX/XX/18 this hit my credit reports and I immediately contacted the bureaus but its been over 90 days and I haven't heard anything about the investigation that I requested which is a violation of the FCRA, which States that the bureaus have to report accurate information and respond to the consumer in a timely manner. This inquiry has cause me great hardship, stress and Has caused my credit score to decrease drastically!! I've been denied credit and loans due to this inquiry.
Consumer complaint received 2023-09-12
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: Consumer Portfolio Services, Inc. (OH)

XXXX 1. Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Inquiry Type : Hard 2. Inquiry Date : XX/XX/2023 Creditor Name : XXXX  XXXX Inquiry Type : Hard 3. Inquiry Date : XX/XX/2023 Creditor Name : CPS Inquiry Type : Hard 4. Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX Inquiry Type : Hard 5. Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX Inquiry Type : Hard XXXX 1. Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX XXXX Inquiry Type : Hard 2. Inquiry Date : XX/XX/2023 Creditor Name : CONSUMER PORTFOLIO S Inquiry Type : Hard
Consumer complaint received 2019-05-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation (MN)

I took out a loan with Zoca Loans around 3 months ago. I've paid them roughly XXXX dollars on a XXXX dollar loan and they still want XXXX dollars to settle the rest of the loan. I live in Minnesota and don't know the state laws but it feels like a scam. Please help.
Consumer complaint received 2022-06-07
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. (NY)

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 1681Section 604 A. Section 2. It Also States A Consumer Reporting Agency can not furnish an account without my written instructions.

In accordance With the fair credit reporting act XXXX  Account # XXXX XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681Section 604 A. Section 2. It Also States A Consumer Reporting Agency can not furnish an account without my written instructions. 

In accordance With the fair credit reporting act XXXX  Account # XXXXXXXX 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 1681Section 604 A. Section 2. It Also States A Consumer Reporting Agency can not furnish an account without my written instructions.
Consumer complaint received 2017-03-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EOS Holdings, Inc. (MA)

I paid off my XXXX account in XXXX with EOS-CCA from XXXX a debt collector from XXXX. I settled and paid my debt in full under the terms that EOS offered me. 
I am applying for a mortgage and need to have a letter sent to me showing this debt has been settled and need this to reflect in my credit report. My account number is XXXX. 
They refuse to report the debt as paid in full and keep stating it is XXXX 's duty to do so. I have contacted XXXX and they tell me it is EOS_CCA responsibility. I do n't know who to believe. 
I need a letter to be sent to me that I have paid this off and I need to have this information reflected on my credit report as soon as possible. Thank you. 
Sincerely, XXXX
Consumer complaint received 2022-01-26
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: Experian Information Solutions Inc. (CA)

When XXXX had it's big data breach I had all if not my entire body stolen from me. Those XXXX are no good for nothing agencies stealing our information selling it for profit when we the American workers work our bottoms off XXXX sweeting puddles of water and these guys selling our social security numbers, banking information, changing my name around, taking my california unemployment money totaling over XXXX XXXXXXXX should go to Jail also he's another Scammer. XXXX, Experian and XXXX it doesn't matter how many letters you send them, how many registered letters you send and demand them to fix your credit report they DO NOTHING. I got hit really hard do to XXXX I had a really good job in the Hotel industry General Manger At a XXXX In the XXXX XXXX got Furlough though hey I will collect unemployment XXXX month went nothing XXXX months went by nothing XXXX months went by nothing XXXX years now nothing so XXXX I'm the scammer whos on my Credit reports all three of them Living in XXXX XXXX XXXX XXXX I've been trying for XXXX years to get those XXXX agencies plus thje Attorney General he's another XXXX to fix my Credir reports. The person using my identity is messing me up daily. This person is running my credit everyday. Catr shopping. I did go car shopping in XX/XX/2021 at XXXX XXXX XXXX. Experian Has XXXX Hard inquires I WANT OFF MY REPORT NOT MINE THEY NO IT AND THOSE XXXX NO IT. who in he XXXX goes cat shopping daily. Come on people just look at the dates it looks so suspicious they did no follow ups on any of my letters, none of the credit bureaus. The only inquiries that should be on my credit report for XXXX is XXXX XXXX and XXXX all the others XXXX XXXX  XXXX, XXXX, XXXX, XXXX  I have a BOX full of letters I'm not paying ANY lawyer for those XXXX mistakes. I'm not rich. They need to correct all my names, my addresses I only have ONE NAME AND ONE ADDRESS. I'v elived their my entire life. They all know it. EXPERIAN AND XXXX I am for sure are the Fraudsters there the people behind the fraud there the skeleton in the bag XXXX  us all over. I want my credit repoert fixed ASAP.
Consumer complaint received 2022-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I recently looked at my credit report and found that the credit bureau consistently reports accounts with inaccurate information. The Fair Credit Reporting Act has clearly been violated in this case. I've already spoken with them about this matter, but I haven't heard back from them to this point. Please correct this immediately. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX LENDERS XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX BANK NA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-10-07
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. (LA)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : SELF EMPLOYED XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX  XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX  XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, LA XXXX XXXX. I did not authorize these inquiries XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. I did not authorize these inquiries XXXXL Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX
Consumer complaint received 2023-06-26
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: Early Warning Services, LLC (MI)

I have contacted both XXXX XXXX XXXX and Early Warnings and the companies have not responded. 

This email is to dispute and request that the fraud included on my Early Warnings report related to XXXX XXXX XXXXXXXX on XX/XX/XXXX be removed. 

On XX/XX/XXXX, a fraudulent check was deposited into my account electronically. I did not deposit the check ; my account was somehow compromised. XXXX XXXX XXXX noted the check was fraudulent and returned the check. XXXX XXXX XXXXXXXX also provided me with notice that it would hold the funds in my account and determine whether the account was to be closed. 

On XX/XX/XXXX, I received notice that the account would be closed and would be reported to Early Warnings, I have attached a recent report that indicates I conducted fraud on her account. I did not commit fraud on my account, and I am not clear why Early Warnings is reporting all this activity on the Early Warnings report. 

When I learned the account was being reported to the Early Warnings, I opened an investigation with risk management in XXXX of XXXX regarding the account with XXXX XXXX XXXX. The claims record # XXXX. Following the investigation, we received notice the bank account that was previously closed on XX/XX/XXXX was reopened. I assumed the information reported to Early Warnings had been corrected, when I tried to open an account with a financial institution, I learned that a fraud alert was listed. 

In addition to details regarding my account and the fraudulent activity I am attaching the police report I filed regarding the fraud that occurred on my account.
Consumer complaint received 2015-07-05
Product: Credit reporting — 
Issue: Improper use of my credit report — Received marketing offer after opted out
Company: EQUIFAX, INC. (NJ)

Equifax has " added '' a name I have not used in 20 years-XXXX-says it 's a new name replacing " XXXX XXXX, which I always use or if needed my legal name XXXX XXXX as on my XXXX card, no middle initial used. 
2nd : There are many car dealers whom I do not know or have given them to check my creDit. I am furious with this. Only XXXX dealers authorized recently : XXXX and XXXX. NO OTHERS!!! 
3RD : I actually have not checked of late, but a Student Loan was listed and should not be, satisfied due to XXXX from XXXX. 
4th : Car loan with XXXX. CAR WAS PAID FOR WHEN SOLD AT AUCTION. Price I owed is way off, it should " only '' be about XXXX and that was total profit. XXXX received XXXX for a XXXX dollar car in XXXX years time. Plus the loan was in XX/XX/XXXX. Should this still be on my credit report? 
4th : Lastly, there are tons of unpaid medical bills. This should not show on my report due to privacy laws. Plus, many bills are just repeats. Some should have been paid by XXXX. All bills from XXXX XXXX, XX/XX/XXXX, were paid or cleared by the hospital.
Consumer complaint received 2018-12-19
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CHARLES SCHWAB CORPORATION, THE (CA)

Schwab staff ( XXXX XXXX ) told me I would be able to switch my accounts from my retail bank and my investment firm to Schwab and receive the same banking products at Schwab. I sent a detailed list of the accounts I needed to XXXX XXXX by e-mail and he verified that Schwab could facilitate that. After beginning the laborious process of transferring funds, I was informed that Schwab did not offer business or custodial checking accounts and, instead, brokerage accounts were opened for me by the automatic system, contrary to my wishes. Furthermore, checks were never provided, as promised, although I was told, at the time I requested my accounts to be closed, that they were on the way - some two weeks after initiating this process. Since then, money has been transferred by Schwab staff between my accounts, without my permission, by XXXX XXXX. An additional account has been opened without my permission, possibly by XXXX XXXX. Each Schwab staff member made different promises to me and each failed to deliver on these promises. Though promises were made to remedy these situations, by each of the aforementioned Schwab staffers, this did not occur. XXXX XXXX XXXX did not return phone calls. XXXX XXXX took no actions to help. XXXX XXXX seemed willing to help, but, at every step of the process, cited some reason that he was unable to remedy the situation. I have also reached out through the only avenue I could find contact info - XXXX - to XXXX XXXX, head of Investor Relations, but have not heard back yet ( less than one day has transpired. )
Consumer complaint received 2023-08-03
Product: Mortgage — Other type of mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (TX)

XXXX, XXXX XXXX, Wells Fargo and XXXX! I thought I had purchased a home with my now ex-husband. Discovered I was never on the home. It was purchased through a Hud voucher section 8 program. Fraud has been committed against me. And I am now homeless and still waiting for answers. From you also CFPB! I have rights and they have been exploited, violated, abused and betrayed in every possible way that one can imagine! All I am asking for is answers. I deserve answers!
Consumer complaint received 2022-10-07
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$5100.00}
Consumer complaint received 2022-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (MA)

I made a regular deposit to my TD bank checking account like I do every week for something around {$1200.00}. The ATM missed reddit for XXXX g so I canceled the transaction and tried to get the check back. The ATM ate my check and I had to get the bank manager to come over and open it up and take it out she did not cancel the transaction.. I want to go deposit my check at the teller and A-day later I found out that I owed them {$68000.00} because the transaction had not been canceled. After about 2 weeks of dealing with it I finally Got it resolved I thought but I opened my account this morning to owing TD bank XXXX They're claiming that they overcorrect it twice and they have all of the information which the information on my bank account does not go back to the midsummer. They're using their clownishly bad infrastructure and their Untrained employees to just keep telling me that there's nothing they can do about this while they endlessly continue to be terrible shepherds of my money. I refuse to pay them this money because I don't owe it to them so who knows where this is going to go for me but this is the only recourse I have so I guess here I am. I don't have a lot of hope any of this is gon na go in my favor but it's literally the only thing I can do so here it is
Consumer complaint received 2019-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NV)

Equifax has removed my old XXXX account that was charged off several times and put it back which violated FCRA. It has reappeared on my credit profile and thier reporting the same item twice. Account number in reference to XXXX XXXX XXXX XXXX XXXX  card services. Please remove this account and keep it off of there this time.
Consumer complaint received 2022-01-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CT)

I bought my home in Connecticut in XX/XX/XXXX, and have lived on that premise since then. 
On XX/XX/XXXX, I refinanced the mortgage. 
After closing of refinancing, I got fired from my job on XX/XX/XXXX. 
I was unemployed and collecting unemployment benefit, but I was current on my mortgage. 
I have tried to find a job but wasn't successful until XX/XX/XXXX. 
I got a job offer from one company located on North Carolina and I took the job even if it offers significantly less compensation. I was making XXXX from my previous job, but I am making XXXX from my new job in North Carolina. I need to take a salary cut over XXXX but it is still much better than collecting unemployment benefit. 
I need to relocate with my family to apartment in NC, but I would like to keep my house in Connecticut because I love to come back later time. The distance from my home to my new job is about XXXX miles away. 
I contacted my mortgage company, Chase Bank, asked for a permission to convert my home to rental home from primary residential because it is only way for me to keep my house while I am working and living in NC with less income. 
Chase bank rejected my request. 
Reason for rejection is even though distance is over XXXX miles away, new job changes should be made under same employer to get qualified. 
I would like to keep my old job with much higher salary and live in Connecticut, but as I mentioned I got fired and moving to North Carolina is inevitable. Considering my current salary, I cant pay both my mortgage in CT and pay rents in NC. 
I do not understand the decision from Chase and believe there must be a way to get helped to keep my house. 
Thank you for your support Best Regards
Consumer complaint received 2019-07-29
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. (GA)

On XX/XX/2019, I got a notification from my ID protection with XXXX that an inquiry for credit with XXXX card had been made. I never applied for credit with XXXX. I immediately called XXXX, which cancelled the application. They sent me a letter stating they will request the credit agencies to remove the inquiry. After several more calls to the credit agency and XXXX the inquiry has not been removed. XXXX and the credit agency is blaming the other for it still not being removed. Equifax and XXXX are the only two showing the inquiry. Equifax state they do not accept inquiry disputes from consumers. They refuse to accept the letter XXXX XXXX sent to me. As of today, XX/XX/219 I'm continuing to have an issue with this, I'm ready to buy a car but the inquiry is causing me to be one point  from getting a top tier interest rate.
Consumer complaint received 2023-06-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

This company ran my credit as if they were a creditor and they may have obtained credit, Im not sure. However, they ran my credit 3 times and they are debt collectors, Ive never seen a debt collector run credit. They are not providing credit to me, so, why, would they run my credit? Weird, and a violation of my rights. I never gave permission to portfolio recovery solutions, to run my credit. Not even once, we never spoke, they never asked and I did not give them my personal information. This company was partially the reason I was denied for a home equity loan and a USDA loan to start a farm. Now I have nothing and I cant complete renovations on my house.
Consumer complaint received 2023-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (FL)

I am deeply concerned about the derogatory rating associated with the account being reported. It has had a significant impact on my credit standing, leading to the denial of a recent loan application and increased interest rates on my existing credit accounts. I want to emphasize the severe financial distress this negative rating has caused me, and it will continue to affect me both financially and emotionally until it is resolved.
Consumer complaint received 2019-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Thunderbird Collection Specialists, Inc. (CA)

I filed a complaint about TCS - they responded back to the complaint that they did not know about the court order to remove my name from the judgement in 2012 and said they would remove it immediately. That was over a month ago and they are still reporting the collection on my report as of yesterday when I ordered a new report. I have a pending auto loan, and the bank will not grant the loan until this is removed from my XXXX credit report - once again - they are preventing me from getting an auto loan because of their reporting.