davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Checkr, Inc (MI)

In XXXX of XXXX, I was sent a report from check'r say I have some items on my driving record that hold me up from applying for companies the report has info that is completely old and has since been token care of with the DMV my driving record is clear with DMV but check'r the background check still has it on my report I would like this info removed please it's hindering me.
Consumer complaint received 2019-05-09
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: FIFTH THIRD FINANCIAL CORPORATION (MN)

Attached to this complaint are 5 hard inquires from XXXX ( 2 ), XXXX XXXX XXXX, XXXX XXXX and Fifth Third Bank. I have spoken with all 4 companies and none of them are willing to work with me on reporting these as unauthorized/fraudulent. I would like them removed ASAP. I have worked with both parties and neither the 3 companies or XXXX or XXXX are willing to help me get these removed. They both say back and forth call them and ask and vice versa.
Consumer complaint received 2022-03-13
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. (IA)

The following credit inquiries listed on my XXXX XXXX, Experian and XXXX credit report are fraudulent and unauthorized credit inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021, and XXXX XXXX XXXX XXXXXX/XX/2021, the credit inquiries are all fraudulent, unauthorized, and not my credit inquiries.
Consumer complaint received 2022-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

The following credit inquiries listed on my Trans Union, XXXX and XXXX credit report are fraudulent and unauthorizeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and XXXX XXXX XXXX  XX/XX/2021, the credit inquiries are all fraudulent, unauthorized, and not my credit inquiries.
Consumer complaint received 2022-03-13
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. (TX)

Ive put in several disputes to Transunion directly, to correct the misspelling of my name, incorrect employer info and to have XXXX accounts that have either been discharged/cancelled by the creditor ( I have cancellation of debt receipts to prove it and have sent them in to transunion ) or there are accounts over 7 years old and should have been removed already, even according to transunion a ETA for when the debt will be removed. This is causing a 50 POINT difference in my transunion score from my XXXX and XXXX score.and Every time a dispute is pushed through, I go to check the status and it tells me I have no active disputes. I have never received a notice by writing, phone call, or email, with dispute results. Ive just never heard back from them, ever. Transunion is supposed to answer within 30 days and has never answered me in over a year.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2018-10-30
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.Q. DATA INTERNATIONAL, INC. (WA)

I got a number of repeated call from IQ Data International in XXXX WA 7 times in less than 8 hrs from the number XXXX harassing none stop I finally called spoke to a XXXX a representative who I told him what was happening he said guy was new but threatened to put this on my credit report if I didnt pay I told him I need more information he said I had to pay again i told him he was harassing me and violating FDCPA he laughed I told him I would report to the attorney general he started to chuckle said good luck then hung up.
Consumer complaint received 2022-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc. (GA)

I opened my bank account with SoFi in XX/XX/XXXX and have not had any issues. I suggested the bank to my roommate and she joined XX/XX/XXXX. We both have check books in the kitchen drawer and she wrote me a check for rent, I wrote her a check for furniture. I deposited the wrong check and immediately contacted them to let them know it was a mix up and to cancel the check but they froze my account. There is NO live agent to speak to, they only have a voicemail set up and say to wait XXXX hours to receive a call back. I have now called over XXXX times and have left several voicemails with no returned call. I have XXXX children and an elderly parent to take care of and this has caused me so much stress. They do not prioritize their customers and they dont even have a real fraud protection team to answer the phones, its all a scam.
Consumer complaint received 2018-10-29
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 (CA)

I opened an account with XXXX XXXX XXXX in XXXX. I was charged a {$95.00} annual fee for the card in XX/XX/XXXX for the following program year to XX/XX/XXXX. Barclay 's advertised as one of the key selling points of the card that spending to a certain threshold would yield an equivalent {$3000.00} credit with their co-brand partner, XXXX XXXX. In good faith, I paid the annual fee to Barclays in XX/XX/XXXX and began charging spend to the card to reach my goal by year-end. Less than 3 months later, they have removed this benefit with no consideration for the year I have paid a fee. Barclay 's refuses to refund any portion of my annual fee while I am attempting to close the account.
Consumer complaint received 2018-10-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 
Finally, assuming you do not possess inquiry authorization, I request that, you remove your unauthorized inquiries from my credit profiles send me confirmation that you have complied with my requests.
Consumer complaint received 2018-10-29
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: FIRST NATIONAL BANK OF OMAHA (FL)

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 
Finally, assuming you do not possess inquiry authorization, I request that, you remove your unauthorized inquiries from my credit profiles send me confirmation that you have complied with my requests.
Consumer complaint received 2024-02-07
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. (GA)

I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
Consumer complaint received 2020-02-04
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. (TN)

I have three XXXX tradelines which incorrectly show delinquencies which are negatively impacting my credit and affecting my ability to provide a roof over my families heads. In all cases I was told by XXXX XXXX representatives that the forbearance 's granted would cover all missed payments and therefore no missed payments should have ever been reported. Attached is proof where the forbearances were granted and language within the forebearance approval or correspondences clearly show I the customer was lead to believe the forbearances were retroactive. I am prepared to take this to my attorney with the intent to file a class action suit because I am positive others have been mislead as well.
Consumer complaint received 2018-10-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

Several months ago I filed a complaint with the Consumer Financial Protection Bureau, against XXXX XXXX XXXX for reporting erroneous late payments to the credit bureau. 

I also file complaints against Equifax and XXXX falsely lowering my credit score ; reporting incorrect late payments and refusing to remove inaccurate collections on my records. Today I reviewed my credit report and both credit reporting agencies are indicating I am 4 payments behind on my vehicle loan. The report is showing I am 30-90 days behind on my vehicle loan with XXXX XXXX. I am at the mercy of these credit bureaus because it takes 30 days for them to investigate and another 30 days for them to correct the error. Then the error appears back on my credit report. I have been fighting this since XXXX. I contacted XXXX XXXX and their representative says they are not reporting any late payments. Please tell me what to do
Consumer complaint received 2020-02-04
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. (TN)

I have three XXXX tradelines which incorrectly show delinquencies which are negatively impacting my credit and affecting my ability to provide a roof over my families heads. In all cases I was told by XXXX XXXX representatives that the forbearance 's granted would cover all missed payments and therefore no missed payments should have ever been reported. Attached is proof where the forbearances were granted and language within the forebearance approval or correspondences clearly show I the customer was lead to believe the forbearances were retroactive. I am prepared to take this to my attorney with the intent to file a class action suit because I am positive others have been mislead as well.
Consumer complaint received 2018-10-29
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: AMERICAN EXPRESS COMPANY (FL)

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 
Finally, assuming you do not possess inquiry authorization, I request that, you remove your unauthorized inquiries from my credit profiles send me confirmation that you have complied with my requests.
Consumer complaint received 2018-10-29
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (TX)

I initially took out the Title loan on XX/XX/2018. I was lied to about the fees, the amount to be paid monthly, and the payoff process. I thought I was getting a 6 to 12 month loan. NOT A 30 DAY LOAN!! THEY FLAT OUT DECEIVED ME. DECEPTIVE TRADE PRACTICES FROM START TO FINISH.
Consumer complaint received 2022-07-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC. (MO)

Purchased a vehicle from XXXX. Upon acceptance, Exeter Finance took the loan. After completion of the loan, and receiving documents after possession of the car, it is clear that they manipulated the credit score and created a predatory loan. I contacted Exeter directly and spoke with someone in finance, who told me they took my score which was well over XXXX, and would entitled me to a different lender or apr, and averaged it with my co-signer, which is completely deceitful, as we were told that having a co-signer the loan is based on primary. had they disclosed this " average '' score, which in fact is deceitful and illegal, we would have removed said co-signer as they were just on loan to establish credit. Exeter is now refusing to adjust loan and wants me to return car and reapply which then would add further inquiries and decrease score
Consumer complaint received 2022-03-13
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. (CA)

in accordance with the Fair Credit Reporting act XXXX XXXX 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 2022-02-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (TX)

I started a conventional mortgage application with AmeriSave Mortgage Corporation, it was handled by XXXX loan originator. 
He pushed me to sign a disclosure every time I made a small tweak to the loan, as one would do while comparing their loan options. Then he pushed me to lock the rate because rates are going up, it was {$500.00}. I asked him if that means Im approving the current loan selection for the moment because I dont want to do that as long as Im evaluating my options, to which he said no. 
A couple of days later, I look over the last disclosure I signed on their portal, to find it has an attached hefty mortgage points, about {$13000.00}. I called him and told him I dont want to pay mortgage points. He said that changes the rate. I asked how come, since I paid to lock it, now he tells me that locking fee comes with fixed exact amount of mortgage points. That was the first time I heard about that. 
When I asked for a refund, he said that lock and shop fee of {$500.00} was an application fee and is nonrefundable. 
He was downright XXXX to me, hiding information, and focused on XXXX that {$500.00}
Consumer complaint received 2022-07-11
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)

I reported all 3 major credit bureaus TransUnion, XXXX, and XXXX that the collection from XXXX XXXX for XXXX XXXX XXXXs has many inaccuracies. 
XXXX and XXXX account number is different form TransUnion. XXXX and XXXX are reporting a high balance of {$1500.00} and Transunion is reporting a high balance of {$1500.00}. XXXX date of last activity is XX/XX/XXXX, XXXX date of last activity if XX/XX/XXXX and Transunion date of last activity is XX/XX/XXXX all dates are different from each credit bureau. XXXX and XXXX is reporting balanced owed of {$1600.00} and Transunion is reporting balance owed of {$1600.00} all different from each bureaus and also balanced owed is higher than the high credit amount. XXXX and XXXX account status is listed as closed and Transunion account status is listed as open, however when their is a collection it can not be have an open status. These inaccuracies are causing me emotional mental distress due to the fact I can not I apply for credit to make major purchases for myself without having to pay high interest due to these inaccuracies. 
XXXX XXXX XXXX TransUnion XXXX XXXX Account # : -- XXXX XXXX High Balance : -- {$1500.00} {$1500.00} Last Verified : -- -- -- Date of Last Activity : -- XX/XX/XXXX XX/XX/XXXX Date Reported : -- XX/XX/XXXX XX/XX/XXXX Date Opened : -- XX/XX/XXXX XX/XX/XXXX Balance Owed : -- {$1600.00} {$1600.00} Closed Date : -- -- -- Account Rating : -- Derogatory Derogatory Account Description : -- Joint Joint Dispute Status : -- Account not disputed Account disputed Creditor Type : -- Other Collection Agencies Other Collection Agencies Account Status : -- Closed Closed Payment Status : -- Collection/Chargeoff Collection/Chargeoff Creditor Remarks : -- Customer disputedaccount - reported bysubscriber. Consumer disputes thisaccount informationSubject has not satisfieddebt. 
Original Creditor : -- XXXX XXXX XXXX XXXX XXXX XXXXast Payment : -- -- -- Past Due Amount : -- {$0.00} {$0.00} Account Type : XXXX XXXX XXXX TransUnion Account # : XXXX -- -- High Balance : {$1500.00} -- -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX -- -- Date Reported : XX/XX/XXXX -- -- Date Opened : XX/XX/XXXX -- -- Balance Owed : {$1600.00} -- -- Closed Date : -- -- -- Account Rating : Derogatory -- -- Account Description : Joint -- -- Dispute Status : Account not disputed -- -- Creditor Type : Collection Services -- -- Account Status : Open -- -- Payment Status : Collection/Chargeoff -- -- Creditor Remarks : Account informationdisputed by consumer, meets FCRArequirements -- -- Original Creditor : XXXX XXXX XXXX  -- -- Last Payment : -- -- -- Past Due Amount : {$0.00} -- -- Account Type : -- -- --
Consumer complaint received 2017-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have tried for over 6 months to obtain a free copy of my credit report. Trans Union has refused to send me a copy. <P/>I ordered a copy and have not received it to this day.
Consumer complaint received 2023-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

In XX/XX/2023 I deposited a few checks into my chase banks savings and checking account After that they restricted my account, The reason is they want to verify those checks I helped them buy given them the names and the phone numbers of checks writers. 
But they still have my accounts restricted. 
And the threatening me by saying they will close my accounts. 
Knowing that I have all my bills as an auto payment and all my credit card bills are auto payment too and I have all my money in those accounts Now I have a balance of XXXX in my checking account and XXXX in my savings account that I cant use because of their action. 
Now Im not able to pay my rent, bills and credit card they ruining my life.
Consumer complaint received 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I was reviewing a copy of my XXXX credit report and discovered it contained some errors pertaining to the following " Personal Information. '' I am requesting that you promptly investigate, update and delete addresses that I never resided and may possibly be listed on my credit report due to fraud