davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-25
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: Experian Information Solutions Inc. (CT)

I reaching out to you because there are many hard inquiries on my account that should not be there and or I did not consent to. For instance there are 4 or 5 pertaining to my buying a house. I was told that there was a grace period where the hard inquiries would be waved. In any case, I was unaware that shopping for better rates with different banks would affect my credit score in such a bad way. I was actually told that my wife and I could shop for mortgage lenders without penalty. Being that this was our first time ever buying a home, we feel like we were taken advantage of. Both of our credit reports reflect several inquiries that seem to resulted it lower our scores by what we consider a substantial amount. The following are reflected on both, my XXXX and XXXX ; and I'm assuming my Experian  as well : XXXX XXXX XXXX XX/XX/2018 XXXX XXXX- XX/XX/2018 XXXX XXXX XXXX XXXX- XX/XX/2018, XX/XX/2018 XXXX XXXX- XX/XX/102018 . We eventually went with XXXX XXXX XXXX XXXX but as I stated above, through the entire process, my credit was pulled 4 or more times. I never gave XXXX   permission to run my credit the way they did. They were given permission for a pre-approval and the did 2 hard inquiries. All of these inquiries are disheartening. I was told I would not be penalized while house shopping ; and, I was Also, I went to XXXX dealer ship in XXXX CT, on the XX/XX/XXXX. I gave them permission to run my credit once, as a co-signer and they ran it themselves and through XXXX XXXX. Some of the inquiries on my credit report are nearly a year or so old. Before I bought my house in XX/XX/XXXX, my credit score was averaged at a XXXX. Now I'm being told it is at a XXXX ; all I did was by a house in that time, and my mortgage is always current. I don't understand I it went down over 100 points.

If, you can help with getting a number of these inquiries removed I'd greatly appreciate it.
Consumer complaint received 2022-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION (CA)

The particular account position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have made many attempts to reach out to Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

NAVY FEDERAL CREDIT UNION XXXX
Consumer complaint received 2019-11-21
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)

transunion reported 7 inquiries that I did not gave permission to. I did not request any of those accounts. when I contacted transunion, they sent me a letter stating that they " can't do anything about it ''
Consumer complaint received 2022-03-29
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. (CA)

The accounts mentioned below that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have made many attempts to reach out to Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-29
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. (CA)

The accounts mentioned below that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have made many attempts to reach out to Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

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 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (CA)

The particular account position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have made many attempts to reach out to Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

WELLS FARGO CARD SERVICE XXXX
Consumer complaint received 2022-05-18
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: Inflection.com, Inc. (TX)

Denied job after offer letter for XXXX. Background check was only supposed to go back 7 years ( per TX law ) BUT they reported the XXXX  from XXXX  citing FCRA is Federal and therefore supersedes... However FCRA also states a 7 year background check limit. I am a TX resident and the Employer is in Texas.
Consumer complaint received 2022-03-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

I need to know from Nationstar Mortgage LLC d/b/a Mr. Cooper that when are they going to send an appraiser for my property? and when will you remove PMI from my Mortgage payment? 

I can not afford the pre pandemic payments i was making, so when are you going to do a modification? 

And it seems you have done another mistake, just recently sent me a letter which states this - " As you know, our firm represent XXXX XXXX XXXX  ( " XXXX '' ), successor by merger to XXXX XXXX XXXX XXXX XXXX, the mortgage loan servicer of your loan referenced above '' Who is " XXXX XXXX XXXXXXXX ( " XXXX '' ) '' and who is " XXXX XXXX XXXX, XXXX '' My Mortgage servicer is Mr. Cooper. What is this nonsense letter.
Consumer complaint received 2021-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I have been the biggest XXXX for Capital One for years. I XXXX XXXX to get these cards. They have always provided outstanding customer service and been my partner. I have had this account for almost a decade. 

All of that said, it is clear that they are changing their ways! 

I made a payment of {$4700.00} ( payment made weeks before the statement due date ) and after 4 days they had not released the available credit. They even continued to approve charges the day they received the payment but then went into lock down the day after the payment. When I called I was told that this is common when an excessively large payment has been made. The clerk then checked the card to find that this payment was not excessively large for the history of the account. He then said during this tough times it is not unusual. When asked if there was anyone I could speak with he said no. The funds have cleared my checking account and are past the retrieval date. This is unnecessary and totally unacceptable.
Consumer complaint received 2022-05-18
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. (MI)

I have submitted letters to all three credit bureaus, XXXX, Experian and XXXX asking that they update my name, address and place of employment that is reflected on my consumers report. I have submitted letters to all three credit bureaus multiple times. The first set of letters were submitted XX/XX/XXXX, the second set were submitted XX/XX/XXXX and the third set were submitted XX/XX/XXXX. The bureaus are continuing to report false inaccurate information.
Consumer complaint received 2022-03-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MN)

This is a complaint with the Comenity Capital Bank, which services my XXXX credit card. On XX/XX/2021 I received a bill of {$33.00}. It was paid on that date, so it was not paid late. I paid the bill electronically through my account at XXXX XXXX. The following month I was notified that the bill was unpaid and had a late fee added to it. I contacted XXXX XXXX and received a document showing that XXXX XXXX had removed the money from my account. They then sent a check to Comenity Bank. I sent proof of this transaction to Comenity Bank, but they were unsatisfied. They requested a copy of the check that was sent by XXXX XXXX. XXXX XXXX did a skip tracing on the check and discovered that it was never cashed. They credited my account for {$33.00} and I sent a personal check to XXXX for that amount, which they received. At the present time Comenity Bank is charging me {$64.00} in late fees. I made the initial payment on time. XXXX XXXX sent the payment in. The payment was either lost in the mail or at Comeninty Bank. We will never know as the check was never found. I would like these late fees erased.
Consumer complaint received 2021-11-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

to whom it may concern, i have an old debt that is over 8 yrs old from XXXX  XXXX in the amount of XXXX i recevied a letter from PRA LLC A.K.A . Portfolio Recovery Associates that states i owe XXXX on XX/XX/21 i sent PRA a certified letter that i have attached with this case. it is now XX/XX/21 and i still have not received the information that i requested. i have confirmed with them by phone that they have received the letter. i even have the receipt that it was delivered. unfortunately if you look up the tracking number it still will show it in transit. i have spoken with usps numerous times about changing the information but they refuse to. as for my second certified letter it is having the same issue. i truly believe they know someone at that p.o., i find it funny that both letters miraculously find a way to go missing. 

they have repeatedly harrassed me through letters and phone calls. please investigate them. the are refusing to provide me with info that proves they have a right to collect this debt.and placed this debt on my credit report. please help
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other 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 2018-06-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Compass Recovery Group, LLC (PA)

They CRG ( Compass Recovery Group ) referred them as a lawyer not collection agency. I have not received notice of due charges. It has been 3 1/2 years and out of the blue a phone call was made claiming I owed XXXX XXXX {$3400.00}. They said I had made all previous payment on time and they did not understand why this problem occurred. They XXXX ( XXXX XXXX ) closed the account and sold it to XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) who are not debt collectors. XXXX XXXX XXXX hire debt collectors to handle the case. Now I receive calls pressing to pay this item ( {$3400.00} ) and wanting me to pay and have the matter closed. I have payoff many accounts when illnesses where detected, but never received a letter from XXXX or they would have been paid off long ago. Also is legal for them to try work this out with my wife and I was not a party of. 
I am a XXXX year old XXXX XXXX vet suffering from XXXX XXXX, XXXX, XXXX XXXX which required XXXX to XXXX, and XXXX XXXX XXXX. This is very stressful which leads to any therapy to not work as well as it should. I feel this a deceptive means of handling this matter. I request a message regarding these matters be sent through US Mail to : XXXX XXXX XXXX. XXXX, PA XXXX.
Consumer complaint received 2022-03-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (VA)

The last payment on my toyota vehicle loan was due XX/XX/2022. I had set up payments with XXXX XXXX XXXX to pay the loan on time every month. I never worried that the payments were late or unpaid because they were automatic. The payments were set up with my bank to go out on the XXXX of every month. I paid in good faith, monthly and assumed that all payments had been made in a timely manner. I was not aware that the last payment had been missed until it was too late. If I had been aware of the missed payment I would have, of course, paid it within the grace period as I had sufficient funds to pay. I was not making any attempt to avoid payment. However, Toyota 's attempts to contact me fell short of what I would have expected. I did not receive any written communication from Toyota. They told me they attempted to contact me by phone 3X. I will not answer my phone if I can not identify the phone number because of the large amount of spam calls I receive, and the first 2 callers did not leave a message ( thats their policy ). The third call made it through to me on XX/XX/2022, 4 days after the end of the grace period. When the agent informed me that the payment was late, I made the payment immediately. That was the last payment of the loan, and I was now PAID IN FULL. I had already been reported to the credit bureau before I even spoke with anyone from Toyota and Toyota did not inform me that I had been reported to same.
Consumer complaint received 2022-03-28
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 reached out to all creditors by writing, online request, and telephone each month since XX/XX/XXXX to have these items removed from my credit reports. I have also formally written all XXXX bureaus to step in on XX/XX/XXXX to have these incorrect accounts removed from my credit. It has been over 30 days and they have not cooperated or even responded to my formal letters that were sent by certified mail to each bureau. 

Account Name : XXXX  Account Number : XXXX Amount : {$3300.00} Account Name : XXXX XXXX  Account Number : XXXX Amount : {$1900.00} Account Name : XXXX Account Number : XXXX Amount : {$1700.00} Account Name : XXXX Account Number XXXX XXXX Amount : {$720.00} Account Name : XXXX Account Number : XXXX Amount : {$630.00} Account Name : XXXX Account Number : XXXX Amount XXXX {$380.00}
Consumer complaint received 2019-07-26
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: PRESTIGE FINANCIAL SERVICES INC (VA)

Prestige Auto has failed to update the past due history on my account. Prestige Auto received a payment from my insurance company in the amount of {$16000.00}. Prestige is currently showing inaccurate past due history. I have tried several times to have this information updated however the correct updates have not been done.
Consumer complaint received 2021-11-12
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: Meridian Financial Services, Inc. (NV)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST remove this collection account immediately.
Consumer complaint received 2021-11-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nationwide Credit & Collection, Inc. (IL)

Nationwide Credit & Collection , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN, XXXX To : The Office of Registered Agent for Nationwide Credit & Collection , Inc . 

From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 




By : XXXX XXXX XXXX