davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-18
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. (MS)

I applied for credit and it said I had too many inquiries XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX Credit Cards Issued by Finance Companies XX/XX/XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Credit Cards Issued by Finance Companies XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Used XX/XX/XXXX XX/XX/XXXX XXXX XXXX Credit Card XX/XX/XXXX XXXXXXXX XXXX Mortgage  Companies XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

In accordance with the Fair credit and reporting act this creditor has violated my rights under 15 usc 1681 section 602 states i have the right to privacy. 15 usc 1681 section 604 a section 2 states a consumer reporting agency can not " FURNISH '' an account without my written instructions. Under 15usc 1666b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-03-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NV)

To whom it may concern, - XX/XX/XXXX an unauthorized amount totaling {$0.00} cents was deposited to my Chase business checking account. 

- XX/XX/XXXX an unauthorized amount totaling {$2300.00} was withdrawn from my Chase business checking account. 

- Both incidents where initiated by the website XXXX and the transactions where unauthorized and done without my consent. 

- XX/XX/XXXX the suspicious withdraw was noticed and I filled a claim with Chase immediately. Claim # XXXX Chase bank acknowledged the fraudulent transactions over several phone conversations but still they refuse to return the money. Since the claim was filled, the money has been returned to my account only to be taken back out by the claims department on 3 different occasions. 

On the final phone call with chase, I was told by an upper management representative of the claims department that because I did not alert claims about the {$0.00} cents deposited by XXXX on XX/XX/XXXX, it made the withdraw for the amount {$2300.00} justifiable. 

Please, I have been fighting to get my money back since. The amount {$2300.00} has been returned and taken back from my chase account on 3 different occasions. They refuse to give me written documentation stating the reason for not returning the funds. This is a large amount of money and need help retrieving it. 

Chase Bank XXXX XXXX XXXX # XXXX Routing : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2019-04-16
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. (CA)

two fraud and inaccurate accounts ( XXXX XXXX / XXXX AND XXXX XXXX XXXX ) are reporting under my equifax credit file, i have tried to dispute these two inaccurate accounts from equifax but they have not been helpful at all, i have send them my police reports and the FTC report as well, but they are not helping me wit this stressful days and situation., i will be attaching these paper work that i have in my possession. 
hopeful you would not be ignoring me and be helpful appreciate thank you
Consumer complaint received 2022-10-26
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. (MD)

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. Please refer to the information that I've listed below ; I am not implying that these accounts are reporting right or wrong. I am just saying that I am not 100 % sure if they are accurately reporting.

FCRA 15 USC Sec 1681i ( a ) states ; where any unverified and/or inaccurate accounts must be deleted. I would like for the following accounts to be investigated for verification and 100 % accuracy and I would also like a report of your findings. Also according to the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify-through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in an inaccurate account.

Im requesting to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, unverified and inaccurate accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below XXXX XXXX XXXX XXXX  ACCT # XXXX THIS ACCOUNT IS REPORTING INACCURATELY. PLEASE INVESTIGATE THIS ACCOUNT FOR 100 % ACCURACY AND VERIFY. 


XXXX XXXXXXXX XXXX  # XXXX THIS ACCOUNT IS REPORTING INACCURATELY. PLEASE INVESTIGATE THIS ACCOUNT FOR 100 % ACCURACY AND VERIFY. 


XXXX ACCT # XXXX THIS ACCOUNT IS REPORTING INACCURATELY. PLEASE INVESTIGATE THIS ACCOUNT FOR 100 % ACCURACY AND VERIFY. 

Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file. Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Could you mail me an updated report after you investigate and verify these accounts? Also, please let me know who had access to my file as well. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly.

Thank you for your assistance in this matter.
Consumer complaint received 2023-06-26
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: Shellpoint Partners, LLC (PA)

In accordance with the fair credit reporting act, Shellpoint Mortgages Servicing, has violated my rights.

15 USC 1681 Section 602 : States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2020-12-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (CA)

Company : Loan Depot Type : Mortgage Re-finance Loan # : XXXX MIN : XXXX History/Reason for Complaint : - Documents were signed by me and sent back through the Notary for closing. It has been over 3 weeks since signing and LoanDepot has not closed or re-funded my re-finance yet. 

- No communication is being provided by LoanDepot as to an XXXX for closure OR why the re-fi is not closing from their end. I have asked for status updates on email atleast 3 times and have called them several times but was unable to get an answer from the company. 

- I had specifically asked XXXX XXXX ( Loan Officer ) how long would the re-fi process take at the time of sale and she wrongly said it could take as long as 60 days but in most cases loans close within 30-45 days. We are at over 90 days today since the rate lock and i am being left in the dark as to why my loan is not closing. See below for emails asking for update on my loan closure. 


Other Complaints against Loan Depot : - - I called LoanDepot asking for a re-fi on XX/XX/2020. They gave me a rate of 2.625 for 30 year fixed and said there would be no fees or closing costs like Title Company Fees or Title Closing Fees etc associated with the loan. The answer i got from XXXX XXXX ( Loan Officer at Loan Depot ) was that there would be NO fees or cost associated with the loan. 

- Upon receiving the closing document I saw fees worth $ XXXX were levied to me. 

- XXXX XXXX was XXXX XXXX Manager called me to discuss this and spoke very unprofessionally over the phone. He tells me to canceling the loan would be my best option. Really? I mean after making a customer wait 60 days with lies the company asks customers to cancel? 

- I escalated this to XXXX XXXX boss ( Mr. XXXX XXXX ), who asked Customer care to initiate an enqury. I never heard back on the findings. Finally, Mr XXXX tells me there was nothing LoanDepot could do to honor their own words about removing the closing costs. Several emails were exchanged during this communication. 

- At this point, i had given up and accepted to bear the closing costs because the only other option that was provided to me was to cancel the loan. XXXX had asked Customer Care to look into the call transcripts to find out details but no one from customer care or service ever responded back.
Consumer complaint received 2019-02-05
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX Address:XXXX XXXX XXXX XXXX, XXXX XXXX , fl XXXX TODAYS DATE:XX/XX/XXXX RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed unauthorized inquiry have been made. 
I contacted each creditor, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an REinvestigation into XXXX XXXX  XXXX, XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Ban Inquiry from XX/XX/XXXX All Banks XXXX/XXXX  XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX, XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX/XXXX  Inquiry from XX/XX/XXXX Personal Loans Cos inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX Address:XXXX XXXX XXXX XXXX, XXXX XXXX , fl XXXX
Consumer complaint received 2019-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

For the past 2 months I have tried to fix my online account to check the status of my Freeze Accounts. When I log into my profile it states under the dashboard selection as " UNKNOWN ''. When I sign onto my husbands profile it brings up two yellow boxed selections : Remove Freeze / Temporarily Lift Freeze. Eventually a TransUnion representative gave me a new File Number which removed the " UNKNOWN '' status but no options to remove or lift a freeze. It was recommended that I speak to the Fraud Dept regarding two error codes on my account. I called that Dept and they stated that there were no errors/no multiple files and suggested that I speak to the Online Support. I called that Dept and they said I had to speak to the Fraud Dept because I had an error on the account. And the beat goes on ... and on ... and on. I patiently followed there instructions but all I get is here is the telephone number ; you need to talk to them! Here are all of the numbers I was told to call : XXXX ; XXXX ; XXXX ; and XXXX. I called these numbers over and over again and each rep has their printed out responses/procedures that do nothing to correct my problem. When you try to explain the situation ; they simply state you need to speak to THIS DEPT AND HERE IS THE NUMBER! It would be very beneficial if all of the Departments were on the same page.
Consumer complaint received 2020-12-23
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. (MO)

I discovered inquiries on my credit and XXXX XXXX report that aren't mine. I never applied for alot of information being reported, as well as, I never had a XXXX XXXX XXXX bank account. So much is inaccurate on my reports that I don't have the slightest clue on how to get all of this off. Clarity Services shows up alot on my reports and I don't who they are either.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Debt Recovery Solutions, LLC (CA)

There are two accounts that are not mine and do not belong to me and Is irrelevant. I am a victim of the XXXX XXXX XXXXXXXX XXXX and is a victim of IDENTITY THEFT. Please have these accounts removed from my credit report asap, I am in the home buying process and these XXXX accounts are not relevant to me so they need to be removed. 

XXXX, XXXX XXXX {$710.00} ( they are not even furnishing the complete information ) XXXX Original creditor : XXXX XXXX XXXXXXXX {$760.00} XXXX incomplete reporting Please remove these accounts from my credit report
Consumer complaint received 2023-06-26
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: CITIBANK, N.A. (MO)

XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this ( XXXX XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this This is causing me financial hardships Ive tried to get these removed from my report I dont know why I cant
Consumer complaint received 2019-02-07
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (IN)

In XXXX i was granted a student loan and was paying on until i fell into a financial problem everytime i call to try to make payments nobody returns my calls.my taxes have been taken by salli mae since XXXX and they put my account at default.ive been trying since XXXX to amke payments to get it out of default and they are telling me i cant make payments but yet keep taking my tax returns.
Consumer complaint received 2019-04-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX reported me for 3 late payments. XXXX, XXXX, XXXX 2019.They charged me late fees and interest which continued to elevate my bill. I found out my bills were late through XXXX XXXX and immediately called XXXX to get this straightened out and get my account up to date. 
I have made at least 5 attempts to have them remove the derogatory remarks on my account. I paid off the account after speaking with customer service, they assured me the fee would be waived and update my credit report. 
Now they are saying I need to prove I didnt receive my statements, even after they have record they were returned to them! 
Please help get my credit report updated!
Consumer complaint received 2023-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation (MO)

I received a letter today dated XX/XX/ from fortiva retail credit. XXXX XXXX XXXX XXXX Georgia XXXX - XXXX. 
The letter says that there have been changes to my account. 
Last 4 numbers of the account XXXX and that the changes to my account will be effective on XX/XX/. I have never opened any credit card with Fortiva retail credit.this is not consensual business.
Consumer complaint received 2023-10-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK (NJ)

I'm currently being sued by Discover Card through XXXX XXXX XXXX, XXXX in XXXX, XXXX XXXX system. This debt they are trying to collect on is a very old debt from at least 10 years ago. It's past the statute of limitations to try to collect on this debt. I never received a phone call from any collection agency on this matter.
Consumer complaint received 2022-09-09
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: AES/PHEAA (MD)

I, XXXX XXXX, consumer and creditor in fact am speaking on behalf of myself with no third party assistance. My privacy has been breached by Fedloan Servicing. All of my nonpublic personal financial information has been shared and this is required to be private according to the Gramm Leach Bliley Act. I did not consent for my information to be shared to any consumer reporting agencies. I demand removal of this information as this is a breach of privacy. Please see attached exhibits for proof that my data has been shared by you without my consent,
Consumer complaint received 2019-04-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I'm a XXXX XXXX XXXX  and had two ( 2 ) business checking accounts with Bank of America, and without any give reason Bank of America closed our accounts saying that " After reviewing your bank relationships we have decided to close your account. '' Adding that they did so on the same grounds that we ( I ) could close the account for no stated reason. I was not given a warning of any improper usage or abuse of the account. When called for an explanation they refused to give me any explanation or reasons. They gave me 15 days to stop all transactions on the account. However, having the account funds still available, I can not use the card nor I can a write a check towards the funds available. 
I think this practice is abusive and discriminatory. Please do something.
Consumer complaint received 2020-12-23
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. (AZ)

Hello, I am writing this message in order to inform you that I found out in my credit report inquiries that I have never authorized. I do not recognize any of them. This is highly detrimental to my credit rating. I have never gave any permission to any company to do something like this. So please remove all of them as I can not move on in my life when I have unknown information in my credit report.
Consumer complaint received 2019-04-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PENTAGON FEDERAL CREDIT UNION (FL)

PenFed Credit Union debited my checking account for {$500.00} on XX/XX/19 and paid my consolidation loan with them and applied to one payment of {$380.00} and paid late fees of {$120.00}. When I called on XX/XX/19 and asked them to refund that money back to the checking account and I would be happy to make arrangements for my hardship for medical family reasons. 
The company refused to refund my money and advised it was part of the loan Note that they could draft another " share '' account when the loan was past due. 
I told them I needed the money returned and I would be happy to make arrangements and apply for the hardship program and pay back the debt, but they still refused.
Consumer complaint received 2023-08-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (CA)

On XX/XX/2023 I received a debit card from Chime.com, a fintech company. I do not know who they are. I figured out that they or someone had opened a checking and savings account in my name. I have been contacting them to close the accounts and remove my info from their system and they refuse to do so. This is fraud.
Consumer complaint received 2019-04-16
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: ID Analytics, Inc. (TN)

I have been turned down for credit. The letter was from XXXX XXXX. out of California. I have never even heard of this company. To get a copy of my credit from them I am required to send hard copies of my personal information to them by mail or fax. Well that opens me up to identity theft. Who are these people? What happened to XXXX, XXXX & XXXX. Why is it companies can access this information from who knows what company about me but I can not? This isn't the first time I have had problems. Companies can access this information on me in detail in a matter of minutes. They are showing my credit score lower than any of the other credit bureaus. Really? How many more anonymous companies are out there making up junk on me? And they are not even signed up with the Consumer Financial Protection Bureau. Who gives them the right to handle credit?