davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have numerous unauthorized inquiries on all three of my credit reports ( XXXX, XXXX, Transunion ) that I have been fighting to be removed from my credit. I have disputed this with each of the credit bureaus above for almost a year with no results. I have asked for validation such as a signed credit application with my original signature which I have not been granted as of yet. According to the FCRA 15 US Code 1681, the only way to access my credit report is if I have given permissible purpose to do so. I HAVE NOT given any permission to anyone to make an inquiry with my credit which deems this impermissible and therefore should be deleted. Below is a list of the inquiries from each credit bureau that I did not give my permission : Transunion : XXXX/XXXX XX/XX/XXXX ; XXXX/XXXX    XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX  : XXXX XXXX/XXXX   XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XXXX   XXXX  XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX/XXXX XX/XX/XXXX XXXX : XXXX/XXXX  XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX ; XXXX/XXXX   XX/XX/XXXX
Consumer complaint received 2018-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (MD)

Wife XXXX XXXX and I each applied for and received an XXXX XXXX XXXX from Chase Bank in XX/XX/XXXX. Part of the benefits advertised in the credit card solicitation was a free night annually ( on account anniversary ) redeemable at any property in the chain with no cap. Our card anniversary date is in XX/XX/XXXX, with first one being XX/XX/XXXX.

In XX/XX/XXXX, Chase announced changes to their program restricting the anniversary night from redemption at higher end properties. This change would go in to effect for any anniversaries after XX/XX/XXXX, but NOT apply to cardmembers who signed up XX/XX/XXXX-XX/XX/XXXX until their second anniversary, allowing them to get 1 free uncapped night their first year. Why would applicants from XX/XX/XXXX be excluded from this exception, considering they never received even 1 single uncapped night, and have held the card longer than XX/XX/XXXX applicants? 

This was false and misleading advertising as well as unfair discrimination.
Consumer complaint received 2021-05-27
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. (FL)

I have sent the following three credit reporting companies a letter disputing the accuracy and asking them to verify an inquiry on my credit report back on XX/XX/XXXX. I asked them also to block and delete this account because of identity fraud and the lack of accuracy. They have responded by saying that XXXX XXXX verified the account with accuracy when that is not the facts. So I again have a few questions about those inquiries. Is it true that in order to pull someones credit report, you need a permissible purpose to do so? If that is the case, then why did the companies Experian, XXXX, and XXXX  pull my credit without my authorization? 

The XXXX XXXX Account XXXX reports different when looking at the other two credit reporting companies. Experian shows paid when looking at the account status, Transunion shows that it is closed and XXXX  shows paid. To me, it does not seem to THAT Experian XXXX nor XXXX  verified this account with maximum accuracy. Also nor have I consent, authorize, or benefited from the credit. This my second time corresponding with them in an attempt to resolve this matter because the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. To date, the financial injuries are the cause of unauthorized inquiries. It affects my ability to attain credit from chase because of their XX/XX/XXXX rule. Due to identity theft in this matter and lack of accuracy of the information and verification. The three credit reporting companies have not enlisted within my profile that the inquiry has been disputed.
Consumer complaint received 2019-03-21
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. (PA)

i sent a letter to XXXX/XXXX XXXX XXXX dated XX/XX/2018 they never responded so i done more and more research how to go about information being reported incorrectly. They are saying i have a account in collections. This is false i've sent them multiple letters no response.
Consumer complaint received 2018-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

I received a card from XXXX on XX/XX/XXXX that I never applied for or approved. I called on XX/XX/XXXX to cancel the card and have the hard inquiry performed on my credit removed. I have yet to receive any confirmation that the card was cancelled or that my creidt score will be restored.
Consumer complaint received 2022-02-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Renton Collections Inc. (WA)

Hi, last XXXX I started to receive call from " Renton Collection '' about a debt I have because of different XXXX XXXX I have received in the last 2 years. 

I paid every hospital bill, but they mention that I need to pay to the doctor network as well. 

I never received a bill for this and Renton Collection didn't send me a summary of this, I want to pay but need to validate where debt come from and why I didn't receive before, and now I need to lead with them instead of directly with the institution I received the service. 

Thanks
Consumer complaint received 2022-06-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days.
Consumer complaint received 2022-02-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MO)

Mr. Cooper/Nationstar purchased my mortgage from XXXX. The real estate taxes had already been paid. Mr. Cooper than paid the taxes a XXXX time causing my escrow to go negative. This was back in XXXX. Many calls have been made to rectify this situation. Every time I call they admit fault on their end but nothing is done. Now there is an XXXX analysis and due to a shortage my atment is schedule to go up {$500.00} a month. I feel like their phone reps just say whatever the need to to get me off the line!
Consumer complaint received 2020-07-28
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: ID Analytics, Inc. (NY)

I have contacted XXXX  numerous times in reference to the XXXX  XXXX XXXX account the is reporting on my credit report that was not and is not authorized by me, i didnt sign anything and i did authorize anythings, This is a FRAUDULENT ACCOUNT, I am a vicitim of identity theft
Consumer complaint received 2020-07-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: INDEPENDENT BANK CORP. (MA)

Hi! 

I originated a First Time Homebuyer mortgage ( through the One Mortgage Program ) with Rockland Trust in XXXX. In XX/XX/XXXX, I applied to refinance the loan with Rockland Trust. I was ultimately approved and closed on a 20 year fixed rate mortgage refi. However, I didn't find out until the day OF closing that I would be required to hold PMI with the refinanced loan. Under my previous mortgage, PMI wasn't necessary. To my knowledge, none of the paperwork I reviewed prior to closing ( throughout all of the emails, documents, and discussions I had with the bank to complete the refi ) mentioned that I would need PMI. I didn't find out that PMI was necessary until I read it on the paperwork at my lawyer 's office, on the day of closing. I went through with the closing since I was already at the lawyer 's office and all of the paperwork had been complete. I called the mortgage representative at Rockland Trust while I was at the lawyer 's office, but he just apologized and stated it was required. 

It's not a huge sum of money, but it extends the amount of time it will take for me to " break even '' in closing costs for the refi by a few months. I reached out to both the Lender at the bank I was working with, as well as Customer Service through the Online Banking message feature. However, no one has escalated this to a manager at the bank, which I've requested repeatedly. I'm looking to see if,  given the circumstances, the bank would be willing to refund some of the closing fees, to make up for the PMI that I must pay for 3 years. I likely would have waited to refinance the mortgage, had I known that I'd be required to pay PMI. 

Thank you!
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

Discovering late payments on my account is entirely unjust, particularly when considering my consistent history of timely payments. I insist on the immediate correction of this error. I earnestly implore you to rectify this situation promptly and ensure that my account truthfully reflects my history of on-time payments.
Consumer complaint received 2021-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (FL)

I would first like to say American Express is an excellent company and its is my favorite card to use. At the beginning of the pandemic in XXXX, XXXX, and XXXX of 2020 I had lost all my income due to the shutdown of the travel industry caused by the pandemic. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and also a Veteran. Once I was able to restore my income, my on time payments returned like they have for the entirety of having my account. Prior to the pandemic, except for one late payment, my payment history has had no late payments. Several months ago, a customer service representative said they could remove one of the late payments, but unfortunately not the other two. As of today, I still have not received the one late payment removal on my credit report, but I would also like them to reconsider removing all three due to the pandemic shutting down the travel industry almost immediately. I understand this would be an exception to their policy, but if there is any industry that a person is employed who lost income immediately during this pandemic, it was many of us employed in the travel industry. This is my favorite card, and I use it heavily, and American Express is an exceptional company, I just wish they would reconsider their policy due to the pandemic because it is having a dramatic impact on my credit report and I would like to buy a house in another year.
Consumer complaint received 2018-05-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (CA)

I applied for a housing loan and they reported to me that i have a collection letter that i have not paid and causing problem with my application. The lender gave me the number of the XXXX XXXX XXXX XXXX and i called them. They person i was talking to could not give me the details of the debt that i supposedly owe them. I looked into XXXX credit score check and found that on XX/XX/2017 I owed {$290.00} and that XXXX company is the collection agency. I called up citibank and talked to many departments and said that i do not have any bank accounts with citibank. So how is it possible that I would owe an amount of {$290.00} from citibank if i didnt have any accounts in the first place? I disputed it with XXXX XXXX but was not sure if they are going to take action on it and its affecting my credit score every single day.
Consumer complaint received 2018-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JH Portfolio Debt Equities, LLC (TX)

XXXX XXXX, XXXX has had callers from Washington State calling everyday I block the number a new numbers keep calling. 

Previous Debt Collector XXXX sold the debt. FROM 2003. It is 15 Years old. 

XXXX hides under the name XXXX XXXX  they have the same address in South Carolina Customers Phone : XXXX Fax : XXXX Borrower 's Authorizations : XXXX Contact by Email Correspondence Address XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Payment Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Overnight Payment Address XXXX XXXX XXXX Attn : Payment Processing XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, SC XXXX Issue Resolutions Office of the Chief Compliance Officer XXXX Compliance Department XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX So the current loop is XXXX XXXX, XXXX - XXXX - Doing business for XXXX XXXX XXXX.
Consumer complaint received 2018-04-15
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: Experian Information Solutions Inc. (NJ)

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 AFTER ONE YEAR OF CHALLENGING THESE ACCOUNTS REPORTING IN ERROR A FRAUD ALERT WAS PUT ON MY REPORTS WHICH I WANT REMOVED AND THEY SAID THEY WERE NOT REINVESTIGATING PER FCRA NO BALANCES OR CREDIT LIMITS SHALL BE REPORTING ON ANY ALLEGED CHARGE OFF OR COLLECTIONS ACCOUNTS
Consumer complaint received 2022-02-17
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. (CA)

DIRECT TO EQUIFAX : Please be advised that as of XX/XX/2022 as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquires listed. As a reference, please see the below inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I am hereby notifying you that neither on that those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given Equifax to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. 
Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the abovementioned inquiries within 15 days of receiving this letter. It is your duty to accurately report information and as of now you are not doing that. I look forward to Equifax resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file I will file a dispute against you in small claims court seeking remedy for said violations.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-10-18
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)

XXXX  ; Experian and XXXX  are reporting incorrectly a charge-off in the amount of {$10000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This vehicle was defective. Shortly after purchase the transmission blew out. I returned the vehicle where it was purchased and it has since been sold at auction and sold for more than the debt owed. This account needs to report a {$0.00} balance. This incorrect reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-10-18
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. (TX)

XXXX  ; XXXX and Transunion are reporting incorrectly a charge-off in the amount of {$10000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This vehicle was defective. Shortly after purchase the transmission blew out. I returned the vehicle where it was purchased and it has since been sold at auction and sold for more than the debt owed. This account needs to report a {$0.00} balance. This incorrect reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-02-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

I made multiple attempts to reach out to this collection agency. Ive been super busy with my family and working hectic hours I had some downtime today and decided to fold a complaint. Attached is the letter I sent months ago asking this company to validate the debt. I never received a response to continue reporting a debt and failing to validate is a violation Im asking for an immediate removal of account
Consumer complaint received 2022-02-17
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: EQUIFAX, INC. (NC)

I already sent Debt Validation ( XXXX Letters ) dated XX/XX/2022 for the items listed under my account which is inaccurate and is giving a bad impact on my credit report. I also sent another letter for the method of validation. It's been more than 30 days and I haven't received any response.
Consumer complaint received 2018-10-15
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: ERC (MO)

I recently requested a copy of my credit report and noticed that XXXX XXXX XXXX ( ERC ) is reporting a alleged closed account ( closed by them ) on my credit reports. The alleged account in question is a XXXX Account from 2015 which is past the Statue of Limitations ( SOL ) in the state of Missouri. XXXX XXXX XXXX ( ERC ) continues to harass me regarding this alleged account that again is pass the ( SOL ). This alone has put them in direct violation of the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Unisa, Inc (CA)

To whom it may concern, I contact UNISA Inc. the loan servicer for XXXX XXXX XXXX of XXXX regarding my delinquent account. I had previously filed disputes with them asking for original account-level documentation however I never received this information. I recently attempted to get a mortgage loan, and UNISA Inc appeared on my credit report as delinquent. My potential mortgage provider said they require me to get this account addressed before they can offer me a mortgage loan. I contacted UNISA and they told me they could not assist me with credit reporting and I would need to contact the collection agency they assigned my account to called, XXXX XXXX XXXX. I contact XXXX XXXX XXXX and they said UNISA closed the account after only 30 days of the account getting assigned to them, however, I never received phone calls or letters stating the account was assigned to another institution. UNISA nor XXXX XXXX XXXX, never gave me the opportunity to dispute or ask for verification of this debt. 

In the same day, I contacted again UNISA explaining the situation and information I received from XXXX XXXX XXXX. I requested a Manager ( name I did not document ) this manager however was extremely rude and aggressive saying I can't take your word for it we will need to contact XXXX XXXX XXXX to re-open this account and I would have to pay the balance in full so they can assist me with my credit report. I asked if there is any assistance they can offer and she said no there is not. I let her know I would be filing a dispute as I see several state and federal violations here from UDAAP, FDCPA and FCRA in violation and she did not seem to care and said she would respond back to the CFPB accordingly. 

I'm asking for the CFPB to please assist me with this challenging issue as I'm in desperate need to obtain a mortgage loan, however these issues, violation of federal law and unprofessional service are making it quite difficult for me to successfully obtain a mortgage loan. I look forward to hearing from you. 

Best regards,
Consumer complaint received 2022-06-14
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions