davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-31
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: S&N Debt Solutions, LLC (NC)

Beyond Finance placed a hard inquiry on my credit report on XX/XX/2018. I was told this would be a soft inquiry to see where my credit stood. Once i pulled my XXXX   report i fond the hard inquiry. I have sent a letter to Beyond Finance to remove but they have not responded and i also called them on XX/XX/XXXX but did not receive the call back that was promised. 
Thanks, XXXX XXXX XXXX
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I recently checked my credit report and noticed some accounts I do not recognize and have not authorized. I believe I have been a victim of identity theft. I am demanding these these accounts be remove immediately. This fraudulent reporting is very adverse to my interest. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USC 1746 Unsworn declarationsunder penalty of perjury
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

I recently checked my credit report and noticed some accounts I do not recognize and have not authorized. I believe I have been a victim of identity theft. I am demanding these these accounts be remove immediately. This fraudulent reporting is very adverse to my interest. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USC 1746  Unsworn declarationsunder penalty of perjury
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2021-04-14
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)

FICO-8 Experian score has been XXXX for over two years. 
XXXX, XXXX improperly and illegally reported my account with them as closed with a balance ( after contacting them, they admit several accounts were " accidentally closed '' due to a computer error XXXX XXXX, XXXX. 
The action from XXXX immediately dropped my FICO-8 score with Experian 11 points ( obviously due to what they perceived as suddenly more debt to credit available ). 
XXXX, XXXX XXXX used this incorrect fact as an action point to their advantage in late XX/XX/XXXX to notify me of an INCREASE in APR on account balance with them in excess of 5 percent ( this annual APR was a variable prime plus rate which equals 15.24 percent currently ). XXXX increased credit rate to annual APR of a variable prime plus rate of 20.24 percent effective XX/XX/XXXX. 
I had not been monitoring my credit profiles save for my free annual reports ( last was summer XXXX before the above happened ). After XXXX notified me of their pending increase, I research the cause. Contacted XXXX to fix my account status - file dispute with them and Experian. Experian and XXXX say " the problem was fixed '' within a couple days of their reporting " computer glitch '', but did not go further in fixing my Experian credit profile. 
Now I'm to the point of disputing their results of my original dispute. XXXX says it isn't their problem and glitch was fixed on their end. XXXX doesn't care because they say they formulate credit decisions based on current information in Experian credit file, whether accurate or inaccurate. 
This brings me to the final cog in the wheel, Experian. Even if my dispute was valid, they won't go back and restore the FICO-8 score that was reported to XXXX in the intervening time AFTER XXXX caused the problem and I discovered it after XXXX  XXXX has already taken punitive action against me.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-03-15
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. (GA)

XXXX claims they have a master promissory note with my signature on it. Please send me a copy of a bilateral contract in the form of the master promissory note that shows I am the obligated party for repayment to your company. 

Only the holder of an instrument has the authority to collect on a debt. If you did not sell this instrument you should be able to send me a copy of the original note. 

If you can not provide this contract delete this account from XXXX and Transunion
Consumer complaint received 2022-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (VA)

In response to offer of 80k bonus miles and waived annual fee for first year, opened a Aviator Business credit card for a sole proprietorship.Met the spend requirement for 80k bonus offer but have not received the bonus miles as advertised. Contacted company after first statement to inquire and was advised to wait 4-6, or after next statement close for miles to post. Despite waiting the requested time and having another statement close, have not received 80k bonus miles.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (FL)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-03-15
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: EQUIFAX, INC. (FL)

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 2022-03-15
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. (FL)

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 2019-07-31
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (LA)

There were undescribed charges on my account for a XXXX, XXXX, for XXXX that was taking out of my account not monthly, it was taken out whenever sometimes 3 or 2 times a month. The bank doesn't even know what company it was. I made a dispute with the charge with the bank but they right away denied it not even looking into the charge or the company. I looked up the company myself and the XXXX   have the company down as a possible fraudulent credit reporting agency with many problems. I tried to get in touch with the company but they keep saying the issue is going to get corrected but they never did, as a matter-of-fact, they can't even find my subscription. I even tried to log in to my supposed subscription and couldn't log in, it keeps giving me an error on my email address and I tried both of my emails. The American Express Serve customer service done the dispute but within 5 days they denied it. They did replace my debit card like that was going to refund my money back. The XXXX fraud company supposed to be monthly subscription but the was taking out more than once a month. They keep telling me to contact the company but it's not possible to get anything done with the company because it's a fraud, so they say they will fix the problem but don't. The XXXX was stating that this company has many different names as well. No email was ever sent about the drafts at all! 
Charges dates and amounts from start of the first draft. 
XX/XX/2019XXXXXX/XX/2019 XXXXXX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX
Consumer complaint received 2022-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (AR)

XX/XX/2022, XX/XX/2022, XX/XX/2022, - emailed customer service in regards to linking my external bank account. Nothing fixed. 
XXXX account was hacked. 
XX/XX/2022, XX/XX/2022, XX/XX/2022, XXXX trying to activate my debit card they have not fixed it I was told to request another card ( XXXX card ). I'm yet to have access to my money
Consumer complaint received 2021-07-26
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC. (MO)

A payday loan was reported on my credit bureau report. I never received or signed a contract for a loan with this company. They have continually tried to get paid for a fictional loan. There was never any disbursement to me. The perpetrator of this criminal act is CashNetUSA.
Consumer complaint received 2022-02-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Shore Financial Services, LLC (CA)

I entered into a forbearance agreement that was supposed to only last for 3 months. Somehow the mortgage company turned it into a 6 month forbearance and then turned it into a loan modification. After I made the XXXX required payments in the loan modification, I attempted to refinance the mortgage through my credit union. 

I began in XX/XX/2021. I have and my new finance company, XXXX XXXX XXXX has also requested payoff info as well as a transaction detail many times from UWM. They have given me nothing but a run around, but in the meantime, my payoff amount is growing and growing. 

They told me to send an email to give them 3rd party authorization to discuss my loan, payoff, and transaction history with XXXX. I verified the email address and sent the request, then they told me it was an incorrect email address. Then they requested that I fax an authorization. They sent a letter stating that they received the written authorization and they claimed that they faxed the info to XXXX and mailed it to me. 

XXXX never received a fax, and I received a payoff letter, but no transaction history. They later sent an payoff to XXXX. Still no transaction history, and of course the payoff is higher because they are charging additional interest while they drag their feet. 

They keep promising that they will send the requested info and they may send part of what's needed to payoff my loan, but not all. In the meantime, my payoff keeps growing and XXXX has to keep resubmitting my loan info for approval while UWM drags their feet. I feel like they're dragging their feet in order to keep adding up additional interest. 

It is now 2 months later and they still have not provided the transaction detail that XXXX has requested. I don't have all the dates on hand, but XXXX has kept a detailed record of all the times that we have reached out to UWM. They have also recorded all of the conversations. 

What can I do to get them to respond before interest rates go up and before I am no longer qualified to refi the mortgage with mu income level
Consumer complaint received 2022-03-15
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-02-10
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: EQUIFAX, INC. (FL)

On XX/XX/2022 I sent a letter re : inaccurate and unknown things on my credit report. It has been over XXXX days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section XXXX ( XXXX ) clearly states that a failure to investigate these items within XXXX days gives reason to immediately remove those items from my credit report. It has been over XXXX  days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person
Consumer complaint received 2022-02-10
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. (NY)

I have stated before that late payments should not be reporting on my consumer report. I have filed multiple complaints and it still remains. This is a huge violation of my consumer rights and is blatant willful negligence at this point.
Consumer complaint received 2022-02-10
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. (CA)

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 2022-02-10
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)

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 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX is not reporting accurate information regarding the date of last payment made, they can not show any accurate paperwork verification they own this debt, I have requested proof regarding both of these matters with verifiable proof of ownership. This company does not own the debt/vehicle through XXXX and has never gotten pink slip or bill of sale, When I bring this to their attention they ignore my ( XXXX ) certified letters and send inaccurate templates with my info in the filled in areas. 
Thanks for the assistance and warm regards,
Consumer complaint received 2022-03-15
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. (GA)

Hi my name is XXXX XXXX XXXX. I am filing this complaint completely for my self. I have not received any assistance in filing this complaint. My consumer report has violations that have caused me and my family harm. XXXX  [ Account # XXXX ] is in direct violation of 15 USC 168s-2 ( a ) ( 1 ) ( E ) ( ii ). {$2500.00} and {$3600.00} of this loan have competed the rehabilitation process. Delete now.
Consumer complaint received 2022-02-10
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX I made a deposit of {$1000.00} to an account that I thought was my saving account. I made nicknames for my accounts and mistakenly put the money in one of the accounts and I wasn't aware that it was to another Bank. I contact my bank when I notices the mistake and the money was put in the right account. A day later JPChase went into my account and took the money out of my account without notifying me, nor did my bank notify me of this. Chase was not associated with my account at all. How could this happen without my knowledge
Consumer complaint received 2022-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

Sometimes late XX/XX/2021 or early XX/XX/2021, XXXX XXXX from Union Bank XXXX XXXX, CA XXXX told me specifically, that if I were to open a Union Bank Freely Rewards Visa credit card AND have a balance transfer of at least {$1000.00}, I would receive a bonus of {$100.00} plus additional XXXX XXXX  if I put the reward bonus back into my checking account. 

I kept waiting for the reward points to show up in my account for XXXX months, only to find out that I have been LIED TO by this person or institution. When I called today to both the branch office and the XXXX number in the back of the credit card, they told me that the promotion was only for customers that spend at least {$1000.00}, instead of doing a balance transfer of at least {$1000.00}. 

In fact, they blamed me for not reading those many pages of the disclosure provided, when I opened the account, instead of relying on the word of their associate. 

Yes, I could have read all those pages in detail, but in my past experience dealing with other financial institutions, words from the associates are always aligned with the promo. 

Apparently, that does not apply with Union Bank, where you can not trust the associates, and when you as customers become a victim, they will not right the issue and instead just to blame you for trusting bank 's associates.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.