davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-17
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: EQUIFAX, INC. (CA)

Today I was at XXXX inquiring about purchasing some kids watches, not financing, and the girl behind the counter said she needed my ssn to price out ( as a quote, not sale ) how much per month they would charge us for service for the watches. She assured me there would be no credit check, it was just for reference BUT 10min later XXXX XXXX alerted me that I had a hard credit inquiry on my Equifax account. I did not authorize that to happen and want it removed please!
Consumer complaint received 2023-05-09
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-13
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. (NY)

I HAVE REVIEWED MY CREDIT REPORT AND HAVE DISCOVERED SOME INACCURATE ACCOUNTS AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEAL OF STRESS TO ME AND TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2023-05-09
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. (FL)

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 



The following items need to be removed and blocked as they are fraudulent. 



1. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

11. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

12. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

13. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account XXXX : XXXX Delete this account. 

14. there is some inaccurate information reporting.

XXXX Account XXXX : XXXX Delete this account. 

15. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

16. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

17. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account.
Consumer complaint received 2019-06-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

My home is set for a property foreclosure sale, I have tried to acquire mortgage assistance from my mortgage servicer Select Port Folio. I  don't want to lose my home I submitted a mortgage assistance request with financials XX/XX/2019 
I would appreciate your help with helping me keep my home. My mortgage servicer is very difficult to work with. The foreclosure notice I received for the sale dates of my home was XX/XX/2019 from XXXX XXXX XXXX. I read that Tennessee law says the homeowner is to received notice of sale date 30 business days before foreclosure. 
The attorney and my mortgage company is not complying with Tennessee state law
Consumer complaint received 2019-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete thorough investigations. 

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : I would like to get this credit freeze removed from Equifax. 
I would like to change my employer. 
They need to update my address. 
I need a soft pen number in order to go forward with my finances. 
All this is impossible I've been trying to do this for 2 years they would not release this credit freeze. 

If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. 

If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 

I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 

All correspondence should be sent to my attention at the above address. 
XXXX XXXX Thank you.
Consumer complaint received 2018-06-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

I sent XXXX XXXX certified letters on XX/XX/XXXX and XXXX asking for them to send me verification of this debt such as a contract I signed with XXXX XXXX or any other documentation bearing my signature, Showing that I owed any debt.They did send response to my letter with a letter telling me that the information was correct. they sent me a print out of a computer generated bill but did not bear my signature. Upon reviewing said documents I noticed they are in Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and Fair Credit Reporting Act ( including but not limited to Section 623 ( a ) ( 3 ), Section 623-b ). The alleged account is unverifiable and the Statute of Limitations has expired. They have also Re-Aged the Debt and they are reporting it as an open account.It is damaging my credit report and credit score, and has been a principle reason I was denied credit due to this account reporting. I am considering legal action against XXXX XXXX on my own, but first wanted to exhaust all possible administrative remedies. I would be seeking a minimum of { {$1000.00} } in  damages per violation for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) 5. Violation of Corresponding State Laws
Consumer complaint received 2019-06-13
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. (FL)

Was unable to pay secured credit card monthly fees. Account was closed by creditor. Creditor used the {$500.00} deposit I made to pay off the existing balance on the credit card, however, the creditor is now saying there is {$110.00} ADDITIONAL balance owed and is marking as negative/charged off on credit report. I am disputing the validity of this extra {$110.00}.
Consumer complaint received 2023-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2019-06-13
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. (FL)

Was unable to pay secured credit card monthly fees. Account was closed by creditor. Creditor used the {$500.00} deposit I made to pay off the existing balance on the credit card, however, the creditor is now saying there is {$110.00} ADDITIONAL balance owed and is marking as negative/charged off on credit report. I am disputing the validity of this extra {$110.00}.
Consumer complaint received 2020-09-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (AL)

There are 3 payments that I made towards my qualifying payments that FedLoan should be counting but will not. I have sent them proof and documentation. I have been asking them since XXXX of XXXX XXXX a year ago ) to correct this, and every time I call they say it is " under review '' and " will be complete in 20 business days '' or sometimes " you have to submit this for review '' saying they have no idea per their records that I have requested a review, and will start the process anew. I have made *every single payment* sometimes at significant sacrifice to do do ( not heating my home in the winter for instance ) since it started in XXXX. My $ XXXX worth of loans are set to be forgiven in 6 weeks if they count all my payments ... which they still will not do. Obviously I'm getting more frustrated as that deadline approaches and I've worked hard to hold up my end of the bargain, they still won't count my payments despite frequent phone calls requesting they do so. Two of the last agents I spoke with ( XX/XX/XXXX and today XX/XX/XXXX ) promised to submit it for " expedited review '' that hasn't materialized. The issue is with 3 payments : one on XX/XX/XXXX when they sent me into forbearance against my wishes, and after years of me calling them they finally removed the forbearance - but they have still not counted my payment that month ; and 2 payments in XX/XX/XXXX and XX/XX/XXXX when my loans were transferred from XXXX XXXX, " because there is no bill '' and they refuse to generate a bill even though I have provided proof from my bank and XXXX XXXX that the payments were made. I can provide emails to support some of this, although most transactions were phone calls with written notes. I can also provide XXXX XXXX and bank account proof of payments if this will help your review, but I have already provided them to Fedloans so will not upload here.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

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 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 2023-10-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (MI)

Hi my name is XXXX XXXX there was a transfer threw chime for {$1900.00} to the wrong recipient the money was sent to a account that no longer exists I informed chime I was told to rech out to the party or recipient that receive funds but how wen the account is closed
Consumer complaint received 2023-02-13
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. (TX)

I have reviewed my Consumer Reports and noticed that this XXXX XXXX XXXX account starting with XXXX is not mine and inaccurate. I have tried several times trying to resolve the issue with dispute letters to no resolution. 

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 and that is not the case here with the attached account. 

There are several sections on my report that are inaccurate which I have circled on the attached photos that I pulled from two separate companies and both of which are inaccurate. I think they are attempting to keep this in on my report as long as they can and it is preventing me from purchasing a home for my family. 

Please investigate and provide Proof that these reports are accurate but if proof can not be provided, I demand that this account is removed from my consumer report. 

Thank you!
Consumer complaint received 2023-05-09
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. (FL)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2019-06-13
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: BARCLAYS BANK DELAWARE (CA)

I have account with XXXX XXXX ( XXXX XXXX ). I disputed a few unrecognized charges ( unauthorized charges ) but unsuccessful. They put back {$450.00} on XX/XX/XXXX and closed my account without give back {$490.00} annual fee. They charged {$490.00} annual fee to use their card for the whole year which is very high. I would close my account with them after this year anyway. It's only XX/XX/XXXX now and they refuse to give partial fee back. Please help to resolve these issues Thank You
Consumer complaint received 2019-04-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation (NY)

I called this company to get information as to why they are reporting on my credit report. they could not give me an answer but simply mailed me a letter to my home address. I have never done business with the company when I called I asked for proof of what I owe. the letter has none of such. 

the only specification is delinquent utility bill from XX/XX/14- I have not had a utility bill in my name in 2014. 

I attached a copy of the letter and my tax return to show proof of my address
Consumer complaint received 2018-02-22
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America, N.A. transfered the service of my loan to XXXX XXXX XXXX, decpite of promise at closing document no to do it. On SERVICING DISCLOSURE STATEMENT, it says : " Your mortgage loan will be serviced by Bank of America, N.A. and it does not intend to sell, transfer, or assign the servicing of your mortgage loan. 
I contacted BofA representatives 3 times regarding this issue and they say that " does not intend to transfer '' does not mean that they will not.
Consumer complaint received 2018-02-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

I have been working to pay off my debts which include my student loans and car loan. I have not always been faithful in making payments but within the last 3.5 years I have committed to paying my loans off. I have talked with Navient on several occasions on how they allocate my payments ( principal vs. interest ). They have failed to fairly adjust the allocations. This unethical practice is unjust to me as a borrower and will keep me in debt on an account that can be easily paid off. At the rate I'm going I will finish paying off my car loan ( which had a higher balance and higher interest rate ) before my student loans will be satisfied.
Consumer complaint received 2016-08-06
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Advance America, Cash Advance Centers, Inc. (OK)

I went in to Advance America to obtain a loan for bills since I had just moved to the area. I filled out all the paperwork including giving her a blank check with the amount I needed. She let me think I was approved by asking for references and telling the amount I was able to receive. By the end of the process which took an hour I was told that I was denied due to my credit history.
Consumer complaint received 2023-05-09
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. (KS)

n accordance with the Fair Credit Reporting Act XXXX 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 2020-09-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America keeps telling lies. Every XXXX supervisor are always in meetings. They have been in meetings since XXXX. Where are my permanent modification papers? there were due in XXXX. It does not take this long for a new system to rollout and new papers to be printed,
Consumer complaint received 2019-06-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (NJ)

XXXX rewards Master Card, I notified a credit card debt worth {$200.00} usd, XXXX says to spend that money charged to a credit card completed in # XXXX which was not requested by me. 

I want to clarify that I had another card with XXXX which I used and paid, but the debt of {$200.00} usd was with another card that I did not request. 

They started sending me notifications from XXXX in texas ( tel XXXX underwriting department ) to declare me in bankruptcy, then they said that they had passed my account to MIDLAND CREDIT MANAGEMENT with number # XXXX and they demanded payment of {$190.00} usd arguing that my dispute had been negatively failed and that I should pay. 

the pressure was so much saying that my credit would be damaged that on XX/XX/2019, I paid {$170.00} usd with my XXXX  XXXX XXXX account, where they asked me for my card information. 

the payment was made to XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ext XXXX ) and they charged me {$170.00} usd.
Consumer complaint received 2023-06-10
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

{$7.00} I wire money to a XXXX XXXX XXXX XXXX in Virginia i believe in XXXX from Bank of America the money it was to meet and greet a celebrity, the people was fake they make me believe they work for XXXX XXXX, and they were the manager of this particular celebrity. 
I don't know anyone 's name. only XXXX management. they took my DL and they used my identity to get a loan for {$22.00} that now I have to pay. 
Bank of America know where the money when and to whom, and i told them too many times that they were fake. I just got letter with no solution. So I guess I lost everything. 
the email XXXX management its false. After they took my money, they ask for more. 
but i didn't give them, at that moment i knew they were fake. 
Bank of America has not help me at all, anytime I had to be the one calling. 
So, I think the closed the case. Very bad customer service and bad communication with the customer. 
Can you help this is my second time opening a new case.