davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-15
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. (TN)

To Whom It May Concern, I am filing this complaint to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is unauthorized credit inquiries made by the companies reflecting on the documentation attached for your companies review. To my knowledge, I have not signed any documents authorizing these companies in question to view my credit report. The listed unauthorized credit inquiries was without my authorization, permission or consent and for no legitimate business purposes. Around the time these unauthorized credit inquiries was placed on my credit report I was incarcerated ( imprisonment ). As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in connection with these unauthorized credit inquiries. As part of your investigation, please send the names, business addresses, and phone numbers of those who made these unauthorized credit inquiries so I may contact them directly if I have to. In addition, I respectfully request a copy of any documentation authorizing these credit inquiries, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized these credit inquiries, I ask that the negative items be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiries removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC & 1681j ), there should be no charge for this report. Please note that credit inquiries arent considered factual records and shouldnt be reported on a consumers credit report for up to 2 years if they are found unauthorized. Thank you
Consumer complaint received 2019-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX  XXXX # XXXX has lates that I should not have. I started bill pay with XXXX XXXX to pay my mortgage and I did not know that they were taking 7 days to send it. On the XXXX late I went into the bank and paid it XXXX XXXX processed it like a cashier 's check which charged my bank an extra {$50.00}. All my efforts to get these lates removed have done nothing.
Consumer complaint received 2015-07-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

I have a company which was a XXXX in state of California with my dad. We opened the company back in XXXX and had some employees at the time. So we fell behind with payment for XXXX XXXX XXXX ( XXXX ). So in XXXX and XXXX they put few liens on the accounts. Since then we resolve all the past due balance with XXXX and are in good standings, but they wo n't remove the state tax lien from my credit report and is really frustrating. The name of the business is XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I am submitting you this CFPB Complaint today to have you, once again, to correct my Credit File from erroneous reporting of accounts and information. Under the Fair Credit Reporting Act, I am entitled to request from you an investigation and have the erroneous information corrected as soon as possible. I am submitting this Complaint once more to demand of you to correct my Credit file by updating or removing the following accounts from my Credit File as soon as possible : 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 XXXX Also, on my previous Complaints and dispute letters, I have been requesting that you send me copies of documents resulting from your investigation and up until now, I received nothing! Your inability to prove me with my requested documents should have resulted in the correction or deletion of the disputed accounts.
Consumer complaint received 2021-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am filing a complaint against XXXX, XXXX  and Trans Union as they are not complying with their own policies in a timely manner. They had 30 days to review my dispute and I have not received a response.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter to XXXX, Transunion, and XXXX advising them that the information on my credit report was incorrect. I sent in my driver 's license, Social Security Card, and a piece of mail with my current address in which I reside. All I received was a letter stating that I must send in identification to change the information. I provided my letters sent in XX/XX/2023 and all I've gotten in return is a letter stating to verify who I am.
Consumer complaint received 2021-08-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PNC Bank N.A. (MD)

I am the XXXX  of XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , XXXX ( XXXX ), XXXX XXXX XXXX, XXXX XXXX, XXXX MD XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We remained open during the pandemic in large part due to the PPP loan we received from PNC Bank. 

In XXXX  of XXXX, we began the process of applying for a PPP loan through PNC Bank. We were one of the first agencies to participate in the PPP program and as such, when we applied for the funding, we followed the guidelines and guidance issued by the SBA via PNC Bank at the time.

We submitted our PPP Loan application with our supporting payroll documentation, health care costs and other related documentation. PNC calculated a PPP Loan amount of {$510000.00} based on the information we were instructed by PNC to submit to receive a PPP Loan. Later, PNC conducted a review of the PPP loan application and determined that we were only eligible to receive {$340000.00} and as such {$170000.00} is overfunded. 

We would NEVER have borrowed the additional {$170000.00} and now are being told our first payment of {$22000.00} is due on XX/XX/XXXX. 

I can tell you that every XXXX of the {$510000.00} PPP Loan was spent on payroll and employee related costs. PNC either misinformed or misrepresented the loan guidelines and supplied our agency with a criteria to cause the loan to be overfunded which resulted in a net profit to PNC, all of which was not made clear to our agency. 

We need your help in figuring out what to do next. We survived because we were able to use a PPP Loan provided on information PNC crafted for our eligibility. We should have our entire PPP Loan forgiven.
Consumer complaint received 2022-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY (IL)

I applied for the XXXX XXXX via Wells Fargo on XX/XX/22. I have credit monitoring, which specifically states to call me if credit is applied for in my name. I never received a call from Wells Fargo. Instead, I received a letter stating they was not able to verify my identity and needed to fax them or mail my personal information ( Driver 's License, SSN, Proof of Address ), and my application is in a pending status. I faxed in my information on or around XX/XX/22. I called on Wells Fargo on XX/XX/22 to confirm if my information was received. I was informed it was and placed on hold. Before I was placed on hold, I informed the XXXX that my application was in a pending status, so my credit should not be ran again. The XXXX returned to the call and informed me I was approved. The XXXX provided me with information regarding when I should receive my card and we ended the call. Due to having credit monitoring, I received an alert soon thereafter that my credit report had been ran again my Wells Fargo.
Consumer complaint received 2021-12-15
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: CITIBANK, N.A. (NY)

So contact XXXX XXXX after discovering that hard inquiry on my reported to credit bureaus. Which I was unaware at that time. Then realized that this was result of misinformation that was given by a sales associate that had assure my what she was doing a soft inquiry to see if I was offered a credit increase which would consider as a soft credit since I already had a XXXX XXXX XXXX Account already. I made myself very clear when ask about processing as a hard inquiry & sales associate response was this is soft credit that would not cause drop in score. I explained I didnt want anymore hard inquiry because recent inquiries that were on my credit report. I acknowledged prior that I already had a XXXX  credit card that can be use already at XXXX XXXX XXXX XXXX XXXX. So only if was soft ( aka In-Store Credit ). But taking advantage as well as deceived by the sale associated who manipulated that situation by given inaccurate information regarding inquiry. I connected merchant in order for this issue to get resolved, but three attempts ( XX/XX/21, XX/XX/21, & XX/XX/21 ) which I was transfer to credit issues department which had then spoken XXXX then XXXX. Then I attempted to reach out to them again & was told that a compliant/report was issued to be corrected information regarding the unauthorized credit reporting. I also had similar issue w/Macys Credit Card when I change my mind before credit was ran, I was told that she suspend the application then it should fall off or removed for incomplete application which takes 24-48 hrs. But instead it wasnt which had resulted it being reported as a hard inquiry on credit report.
Consumer complaint received 2021-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My capital one credit card got hacked and been using purchased with gift card since XXXX to XX/XX/XXXX. Such as XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX. Someone have access to my account and trying to make payment to the credit card, and the payment failed the capital one company and the payment is been return. The payment account are not under my name and I dont know these account either. Now my credit debit is XXXX dollar with capital one platinum credit card. My credit limit is only XXXX I dont know how does it go up to XXXX amount.
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX  XXXX XXXX Balance : {$440.00} XXXX  XXXX Balance : {$550.00} XXXX/XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$630.00}
Consumer complaint received 2021-12-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

On XX/XX/2021 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to Experian, XXXX and XXXX in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). 
I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.
Consumer complaint received 2019-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (FL)

Paid for two concert tickets by XXXX XXXX with my Chase visa debit/credit card. 
The purchase was made XX/XX/19 at XXXX. We discovered the tickets were frauds at the venue and contacted Chase at XXXX to institute a claim. They were very brief on the phone and were not interested in any of the information that we had available and offered to provide to help with their investigation. 
We received a letter from chase today stating that " we found the transaction was processed correctly or was authorized ''. The letter additionally states they will be deducting the {$150.00} from my account on or after XX/XX/19. What I find interesting is that Chase has the transaction date as XX/XX/19 which indicates that they had time to cancel the payment but did nothing to protect my interests. 
What is even more weird is that no one from Chase ever contacted us for any additional information or documentation. How did they conduct an investigation???
Consumer complaint received 2021-12-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc (IN)

I received a notification that on XX/XX/21 that an account went into collections that was attached to my ssn. I contacted the company directly and told them, Im not connected to address listed where debt originated. I filed a police report for identity theft nothing happened or the police didnt think it was important. I contacted the debtor again and they still wont remove the bill, Ive tried multiple times reporting it as identity theft to transunion with no results. The next step is suing the debtor to have it removed.
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I applied for a loan with several companies and they replied they were not able to view my credit report. One company saying they couldn't view the report is normal for normal fraud but all the companies that I tried reported they couldn't view my credit report. I called the reporting company TransUnion and they said the companies could view my credit report. So XXXX XXXX XXXX is lying and others also. I find the constraint of not having a financial market frustrating especially since a bankruptcy just dropped off my record. I cant get a loan no where I tried all listed online. Please, just tell me whats going on?
Consumer complaint received 2022-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (VA)

JP Morgan Chase XXXX XXXX Credit Card : XX/XX/2021 {$3400.00} XXXX XXXX XXXX XXXX XX/XX/2021 {$3400.00} XXXX XXXX XXXX XXXX XX/XX/2021 {$3400.00} XXXX XXXX XXXX XXXX These charge were unauthorized on my account for service never received on my Marriott XXXX/JP Morgan Chase CC . I filed a depute and the charges was resolved and drop from my account. Then later they were added back to my account. I closed the account and JP Morgan Chase rebuild the account.
Consumer complaint received 2021-12-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (KY)

On XX/XX/21, I was approved by a lender ( Santander ) and I accepted the approval and sent in my {$500.00} deposit. Days had passed and I finally got the contract via email and signed the same day on XX/XX/21. On XX/XX/21, I received the paper contract and returned on XX/XX/21 with my {$1500.00} deposit wire. I received an email on XX/XX/21 saying the purchase was complete and the vehicle was on the way and should be to me by XX/XX/21. 

I received the vehicle early, surprisingly, on XX/XX/21, and headed out of town. On XX/XX/21, I got an email and call saying the finance application was denied because they ( XXXX ) did not get the paperwork to the lender in time. They then wanted to add 4 points to the interest rate or take the vehicle back. 

I did my study and contacted an attorney plus the XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, and was told by each of them that once the contract is signed by both parties, legally, XXXX must abide by those rules, and the vehicle is mine. 

I also had a trade-in on the deal, but my trade in vehicle is still sitting in my lot and I still have to pay insurance on it etc. 

Since then, I have heard NOTHING from XXXX. I also have not received my registration or permanent tags, and have not received any update.
Consumer complaint received 2019-08-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (SD)

I have 4 private loans with Navient that all have HIGH interest rates. 

1. $ XXXX@ 15.375 % 2. $ XXXX@ 15.375 % 3. $ XXXX@ 9.500 % 4. $ XXXX@ 15.375 % The last time I checked my credit score, it's in the mid to high 700s. 
There's no reason why they can not work with me to lower my interest rates. 
Plus anytime I get into a program with them, my payment goes to interest rates primarily. 
It makes it almost impossible to bring down my principal when everything goes to Navient. 

Please help. 

XXXX XXXX
Consumer complaint received 2021-08-26
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: Navient Solutions, LLC. (IL)

I have previous Navient Loans that are in the process of being dismissed due to me not having a Highschool diploma at the time of me getting my student loans ( Ability to Benefit ) I had 3 Sub & Unsub loans through SALLIE MAE which switched to Navient. Each Loan had 11 Late Payments which totaled 33 Late Payments across the board.

I was informed to consolidate the loans since they were being investigated, I informed the bureaus that the loans where not reporting correctly and XXXX  has deleted the closed out account while XXXX  & XXXX  has not followed suit.

Since everything on my report should be reporting accurately how is it that a account can be deleted by one company and not another. I demand that XXXX  AND XXXX  FOLLOW SUIT AND DELETE ANY CLOSED NAVIENT ACCOUNT FROM MY CREDIT FILE
Consumer complaint received 2022-07-06
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. (IL)

There are 2 late payments on my experian credit report from XXXX in which I have submitted an email from the rep for the XX/XX/XXXX late payment was not late and this is still coming back as verified and not removed. The late payment in XXXX of XXXX I submitted the proof that I was in loan modification with the end date being XX/XX/XXXX with instructions to make a XXXX payment to a different servicer once modification was approved which I did immediately after receivng the letter but I also did not get the letter until XXXX so I had to make XXXX and XXXX at the same time
Consumer complaint received 2021-12-15
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ProCollect, Inc. (WY)

I sent a dispute letter asking for proof, don't contact me, provide liscense, etc., that was delivered via certified mail XX/XX/XXXX. The debt amount they have is incorrect, because the original creditor dropped the ball.They haven't checked their mail or something because when I spoke to them, they said they " hadn't received it ''. I asked them to stop contacting me today, XX/XX/XXXX after I received XXXX calls in a row from their robo dialer at XXXX am. They said they would stop contacting me until XX/XX/XXXX, at which time attempts would continue. 


Then I received a notification that my auto-blocker had blocked the number I flagged. They called XXXX times from the same number between XXXX and XXXX.