davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc. (KY)

Back in late XXXX, early XXXX I had some financial issues. I believe i have paid everything I owed back then. I have mailed several dispute letters to the bureaus and also directly to Online Collections for 100 % verification. Online never responded to me with any type of validation.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$7500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$5600.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-22
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. (WA)

XXXXXXXX XXXX XXXX SERIAL # XXXX has violated my rights. 

1 5 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 seven 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 2018-04-07
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. (TN)

I disputed these unauthorized inquiries on my report with each credit bureau. 

XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2020-12-13
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: Experian Information Solutions Inc. (MO)

My credit is perfect but yet my credit score keeps going down. I believe Experian is vindictive and harassing by driving down my credit score by not removing erroneous and fraudulent information and inquires. In addition, Experian has sent my file to their Special Handling services making it extremely difficult for me to expedite updates and disputes. All these things are further proof that when you complain to Experian, they will do things to drive down your FICO score via retaliation and vindictive acts. I believe class action civil action needs to be taken against Experian as a punitive measure to stop their material misrepresentation and vindictive acts.
Consumer complaint received 2018-04-08
Product: Mortgage — FHA mortgage
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: RoundPoint Mortgage Servicing LLC (FL)

Due to the storm they called me to see if I had any damages and if I reported to my insurance. I said I do have damages on my roof and that I had to fix it out of pocket because the deductible is to much. They told me I can do this thing referente for three months pay nothing and for those three months they will put the money I owe to the back of the loan. I said ok but I will pay {$200.00} a month. Then after that was over continue paying my regular amount after three months. They took it upon them self to put me to see if I would be available for Mediation after almost 2 months they said I wasnt approved and can I pay the two months I owe and if I dont it will go on my report when they are the ones that put me here. I believed they was helping instead they wasnt. Now my credit is going to go down because of them Lying to me. I want this late payment thing to go away because it was not my fault they told me that it would go in the back of the loan. Everyone I pay they telling me Im paying for another month. If this would of happen I would if still be ok without there help.
Consumer complaint received 2020-11-05
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. (PA)

I have a fraudulent account listed on my account from XXXX XXXX XXXX XXXX. I have asked this company to send me some some information concerning this account and they sent me some information from another creditor that I never had any account with. I filed an identity theft report. The FTC report number is XXXX. I have attached a copy of the report to this complaint. Please remove this fraudulent account off my credit report the same way that XXXX  and XXXX  has done on their end.
Consumer complaint received 2018-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (TN)

Unauthorized transaction. I have a police report and a email statement that it was a scam and pulled into fraud account. Regions will not refund! I had money stolen from my Regions Bank Account on XX/XX/2018 one transaction for {$5000.00} and one for {$3700.00}. I called to inform them and they said they would be glad to report the claim. I got a police report and an email saying money was pulled unauthorized into a fraud account and was a scam incident. Regions Bank denied a refund. They did not notify me and help in anyway to stop this and when found to be a scam and stolen without my authorization, they refuse to refund my money back to my bank account. I have tried going to the bank, over the phone, and by mail. They refuse to take responsibly for allowing my money to be hacked and stolen from me. My name is XXXX XXXX and my bank account is XXXX ( opened in XXXX, MS ) and last 4 digits of the card was XXXX. All of this money was pulled into a fraudulent account. It bought cryptocurrency and I did not authorize these transitions and want Regions to put that stolen money back in my account. I have a police report XXXX. Which states money was stolen and unauthorized. They lied and said they talked to the company. I called and the company said they never spoke to Regions and would not speak to banks for any reason. They just don't want to take responsibly for allowing these to happen and not being accountable for their mistake.
Consumer complaint received 2019-08-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2019, I ran a credit card transaction for a client through PayPal for payment for my services from a client. PayPal has now imposed a requirement that I provide evidence of my license and or certificate. As a XXXX, I do not need either according to the California Business and Professions Code. I have a degree in XXXX XXXX but they say that it is not sufficient. As a result, they refuse to give me the money that my client paid me through the transaction. They have imposed a 120 restriction and insist on withholding access to the funds until I provide the information they require that isn't required by the law and doesn't exits.
Consumer complaint received 2023-01-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

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/Number : XXXX XXXX Account Name/Number : XXXX XXXX XXXX XXXX XXXX, Account Name/Number 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 XXXXXXXX, 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 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 seven 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 2019-08-26
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. (OH)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX-Loan XXXX XXXX lease XXXX XXXX-Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

XXXX XXXX-Loan XXXX XXXX lease XXXX XXXX-Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2018-04-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JNR Adjustment Company, Inc (OH)

Issue # 1 : My telephone line was damaged by a contractor. XXXX XXXX XXXX sent a bill for the repair and I paid it. My account shows a credit balance for the amount they want. I continue to pay the current charges every month yet XXXX XXXX XXXX doesn't correct their error. The money has been in their possession from the start. 

Issue # 2 : JNR, XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX continues to call and try to collect when they were notified in writing to stop. They are engaging in unfair collection.
Consumer complaint received 2023-03-22
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. (NC)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2001 ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.
Consumer complaint received 2020-11-05
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: National Credit Systems,Inc. (TX)

I here have verified that I pay off all that I owed, my balance appears at XXXX and aside here I have the letter that I send to the departments. 
My complaint ID is XXXX
Consumer complaint received 2022-11-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (MI)

I deposited a check issued from XXXX XXXX XXXX  XXXX Ally Bank. The check was declined stating not enough funds in the issuing account. Ally Bank states XXXX XXXX XXXX  needs to fix it. XXXX XXXX XXXX  states they payed out the check. Neither of them will fix it.
Consumer complaint received 2019-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

This is a follow-up complaint to Case # XXXX. 

I reviewed Experian 's response, dated XX/XX/2019, and it is insufficient, as a matter of law. 

Strangely, you closed this case anyway. 

Re-read my feedback and re-open my initial complaint, BECAUSE I HAVE NOT RECEIVED MY COPY OF THE TWO LETTERS FROM EXPERIAN 'S GENERAL COUNSEL THAT THEIR RESPONSE RELIES ON. 

Said differently, MONETARY RELIEF IS REQUIRED. THAT IS MY POLICY. 

Thus, CFPB can either be an investigator ( and a witness ) or a defendant in my pending lawsuit against Experian. Choose wisely.
Consumer complaint received 2019-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NV)

This is my second complaint regarding this issue with Equifax. The first time they responded by saying the issue would be resolved and it has not. Yet again, instead of REMOVING the fraud alert, they put one it as stated in an email I received. And once again, when I call, I get " Oh, we can't verify your identity based on the security questions '', but those questions are asked in a way that I honestly can't remember the answers! Which leads to me having to send in documents which I have done twice just to be run around in circles and end up filing a complaint. I am sick of dealing with the people at Equifax and wish they would just REMOVE the alert from my report ASAP!!! And I DO NOT want to hear them say anything about verifying my identity through documents because I've done that already! Thank you.
Consumer complaint received 2019-08-26
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: JPMORGAN CHASE & CO. (TX)

Applied for the new IHG premier credit card. 

XX/XX/2019 -Received the card on Friday ( Approval was the week before ). Card went thru partner verification with IHG so IHG approved it and card was issued. Card is being used all over weekend and even Monday XX/XX/2019 with no issue. 

XX/XX/2019 - Tried to book 4 nights at a hotel, was getting charged for the 4th night. Tried calling IHG, they do not have an updated information. Said I should call chase because the problem is at their end. 

Called chase and chase stated I have the benefits as soon as I activate the card. The card is already approved and it shouldnt go thru anymore verification. 

Called IHG again and they stated it may take 4-6 weeks for my information to be updated and for me to be eligible for 4th night free. 

That is just a summary, actually its more of a whole day of calling and contacting chase and IHG and ultimately IHG stating that its because their system is not updated. Contacted IHG thru live portal, phone call and XXXX  XXXX ( I hate transcripts for this one ). Nobody can help. The fact that in no place in terms and condition does it say that I am not eligible for the 4th night free during a certain period is fraudulent marketing. Somebody forgot to update my information in their system and I am the one who ends up suffering because of this.
Consumer complaint received 2019-08-22
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: ThunderRoad Financial, LLC (SC)

XX/XX/19 I spoke with Manager from Thunder Road Financial out of XXXX, NV. She stated that the dealer XXXX XXXX was out of business. Thunder Road has been reporting to the credit bureaus that this account is late 120 every month over the years. I have not made one single payment in two years due to the fact they never sent me the correct title/registration for my motorcycle. SC law states that once you purchase vehicle/motorcycle you have 45 days from date of purchase to get registered. I've been calling from day 1 to get this information corrected. Long story short Thunder Road had me signed purchase contract and the contract has the wrong VIN number throughout the entire contract!!! This is a breach of contract from day 1!!! Now the manager will not accept any of my phone calls. They have been ignoring me since ... All I want is this inaccurate information off of my credit report.
Consumer complaint received 2019-08-26
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. (VA)

XXXX XXXX is reporting inaccurate information that as a result has not been updated as it needs to be and is affecting my XXXX and Experian Credit Reports as it pertains to the following information and fraudulently accounts : 1. XXXX XXXX XXXX {$22000.00} 2. XXXX XXXX XXXX XXXX ( XXXX  ) {$5000.00} 3. XXXX XXXX XXXX XXXX ( XXXX   ) {$86.00} 4. XXXX XXXX XXXX XXXX ( XXXX ) {$1500.00} 5. XXXX XXXX XXXX XXXX {$5000.00} 6. XXXX XXXX XXXX XXXX {$5.00}, XXXX 7. XXXX XXXX XXXX {$2600.00} 8. XXXX XXXX XXXX, XXXX {$730.00} 9. XXXX XXXX {$3200.00} 10. XXXX XXXX {$1500.00} 11. XXXX XXXX {$1300.00} 12. XXXX XXXX {$330.00} I have letters for majority of the items listed that state this were not my accounts and that they were opened fraudulently in my name without my consent and knowledge in which to do so.
Consumer complaint received 2019-08-26
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. (GA)

I recently went to check out a. new car at XXXX. After careful consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and and approved for an extremely high interest rate. Which prompted me to check my credit report. After doing so I noticed a couple of items on my report that are not mine. These items need to be deleted from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (PA)

I will start with the closing process. Although this entire refinance experience has been a nightmare since THEY reached out to me to refinance. 

On XX/XX/XXXX, I went to closing. A notary came to my home at XXXX XXXX. ( because LoanDepot messed up my closing for the day before ). While signing the documents, I realized the amount due to me was incorrect. I immediately called a manager ( XXXX XXXX XXXX that I had been dealing with ( because my loan officer had already dropped the ball numerous times ) and he assured me, that if I gave the notary a voided check, that after my 3 day wait period, the funds would be in my account. 

My refinance should have funded at the very latest on XX/XX/XXXX ( due to the holiday ). Since I had not heard anything, I called my loan officer XXXX XXXX on XX/XX/XXXX and I called XXXX XXXX 's manager, XXXX XXXX and left him a message on his cell phone. I spoke with XXXX XXXX on XX/XX/XXXX, who told me she had been out of the office due to the holiday and assured me she would call me back that day. 

I called HER back on XX/XX/XXXX and she stated it was the title company holding this up because of my name change and divorce. She would have someone call me from the title company. On the same day, XX/XX/XXXX a XXXX XXXX called me from Closing USA and informed me they had a question for XXXX due to my name change/divorce. I explained to him that when my divorce was final, I went back to my previous name, which I sent XXXX XXXX all of the legal court documents ( divorce papers/name change on XX/XX/XXXX and XX/XX/XXXX in an email ( which I have ). I told him like I told her in XXXX, there was NO property settlement agreement which the decree states. I also told him, if they still had an issue, I should have never been allowed to close. I told him XXXX has these documents. He apologized numerous times and stated he would reach out to XXXX and would get it done asap, as they did not want to hold this up for me any longer. 

On XX/XX/XXXX, I called XXXX XXXX at Closing USA, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX 's manager who I called in the past and she has never returned any calls ), XXXX XXXX XXXX Director of the refinance department ) a Mr. XXXX XXXX XXXX 's boss ) and XXXX XXXX. ALL of which have not returned any of my calls. 

I emailed all of them this morning XX/XX/XXXX. No response yet ... 

There should be something done with their lack of response. As stated my loan still has not funded ... way past the 3 day waiting period. Please let me know what can be done.