davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-10
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)

I went to XXXX XXXX to shop. Knew what I wanted had my card to pay for it. XXXX XXXX worker said you can apply for a XXXX XXXX card. I said no Thanks I don't want a hard inquiry on my credit report. He said no it is not a hard inquiry. We do a soft pull. I said no thanks. He said it is only a soft pull. his mother was a soft pull. His sister was a soft pull. He got a card it was a soft pull on him. So on and so on. A sales person from the XXXX XXXX  came in and explained to all of them. Let the customers know it's a soft pull. I am still saying no, no no no. I don't want a card. This just stressed me out until I gave in. I am 62 years I simply couldn't take any more. I had been there for hours. Now I am disputing a hard inquiry on my Experian Credit Report. I want this hard inquiry deleted from my credit report. Experian Credit Report ... XXXX XXXX  XXXX XXXX XXXX XXXX, XX/XX/2020. 
XXXX XXXX
Consumer complaint received 2020-11-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

On XX/XX/20, my husband and I applied for an increase to an existing HELOC with Fifth Third Bank, from XXXX to XXXX. On XX/XX/20, we received an email that we needed to provide verification of reserves of {$7000.00}. On XX/XX/20, we faxed bank statements showing the reserves. Even though we showed adequate reserves, we were then told that a statement of other resources, like an IRA were needed. I provided my Thrift Savings Plan statement showing almost {$150000.00} in retirement savings and was told they would review to see if it was acceptable. On XX/XX/20, we followed up to see if any additional info was needed and was basicaly told no. On XX/XX/20, we received the appraisal of our home in the mail, so it seemed everything was in order. Why would the bank pay to have an appraisal done if something was wrong, right? On XX/XX/20, I get a call from my banker telling me that we must now show {$17000.00} in reserves and that my TSP nor my husband 's 401K could be considered because neither of us are XXXX XXXX XXXX ( our retirement accounts total over $ XXXX combined ). We were not told this at any point prior to XX/XX/20. Because we did not have {$17000.00} in our bank accounts, they denied the loan. We were misled to believe that we had what we needed and this loan was going to happen. It took them over 2 months before reversing their decision to honor our loan application. Either the employees involved lacked proper training or we were racially discriminated against, maybe both.
Consumer complaint received 2020-11-21
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ACRE MORTGAGE (PA)

Im still waiting for Acre Mortgage to send over my appraisal. I requested this appraisal on XX/XX/XXXX but they still have not sent it. I almost loss my house because I missed my mortgage commitment and my settlement date was on XX/XX/XXXX. Why are they doing these things to me. I already sent them a written letter to send everything over.
Consumer complaint received 2021-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have disputed erroneous accounts that are present on my XXXX XXXX XXXX  TransUnion reports. I have not received a response within the necessary time allotted to the credit bureaus within the Fair Credit Reporting Act. I have provided the certified mail slips for the letters sent and attached the letters themselves. 

Certified Mail slips for letters sent to bureaus. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion
Consumer complaint received 2023-03-29
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. (SC)

This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 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 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 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 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 2022-04-02
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: JPMORGAN CHASE & CO. (PA)

Hello, On XX/XX/XXXX there was a hard inquiry on my credit from XXXX XXXX XXXXXXXX. It was not from me, I didnt authorize any credit checks or open any accounts/credit cards. 

On XX/XX/XXXX there was a hard inquiry on my credit from Jpmcb Card. It was not from me, I didnt authorize any credit checks or open any accounts/credit cards. 

On XX/XX/XXXX there was a hard inquiry on my credit from XXXX XXXX XXXX. It was not from me, I didnt authorize any credit checks or open any accounts/credit cards.
Consumer complaint received 2021-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (OH)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2021-02-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Hello, I currently bank with citizens bank. My name is XXXX XXXX, from XXXX, NY. my checking account at citizens was overdrafted and was put at a negative number. I was in the process of transferring funds to the account so it would be back to {$0.00}, but they put the account under review. that was a week ago, and they won't give me any of my money or tell me what's going on. I have so many bills to pay and need my account to be unlocked!
Consumer complaint received 2021-05-04
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (LA)

In XX/XX/XXXX, I received notice from my town of unpaid property tax from XXXX. I then contacted Freedom Mortgage about the issue, and they assured me that my property tax had been disbursed from my escrow on XXXX. In XXXX of XXXX, I then received another delinquency notice from my town, advising that my XXXX taxes were still unpaid in the amount of {$150.00}, and now with a late fee of {$56.00}. The notice advised me that if my taxes remained unpaid, additional fees would be assessed, and eventually my home would then be seized for sherriffs sale. I continued weekly dialog with Freedom Morgage, who said they would investigate. As of XXXX, my town property tax was still unpaid, at which time I paid the full {$210.00} ( {$160.00} in taxes+interest and {$56.00} in fees ) by writing a personal check to my town hall. Since then, I have continually been in communication with Freedom Mortgage demanding a refund of the out of pocket costs that I had to pay, a total of {$210.00}. They refuse to reimburse me, and continually tell me " the issue is still being investigated ''. I have submitted proof of my payment to them, and they still refuse to resolve my complaint. This has been ongoing for over 12 weeks, and there is no reason why they can not reimburse my expenses.
Consumer complaint received 2017-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OK)

I filed bankruptcy, and my 2 year window is up to apply for a mortgage loan. My discharge date was XXXX XXXX XXXX all three credit bureaus have the incorrect date in there system, that reads XXXX of XXXX which is not correct. This has caused me to get turned down by two Lender 's and my credit score has dropped tremendously because of this and this is affecting my way of living. My goal this year was to be in a new home by now i should have been Closing on my new home, but that is not the case. I talked to XXXX over the telephone and they assured me that they had the dates correct on there end. It was very hard to get in contact with equifax and XXXX because they do not have a direct telephone number. I even had a lender to reach out to all three credit bureaus and i signed a authorization form for them to update or take the incorrect date off of my reports and they told my lender that they updated it, so she ran my credit again like a month later and the same thing is just sitting on my report. This really anger 's me because now i have extra family and i stay in this 2 bedroom apartment. Please help us to fix this simple issue. I have uploaded the form that i filled out to send to all three credit bureaus..
Consumer complaint received 2022-08-09
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  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 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX should not be reporting late to XXXX  ; Experian and XXXX  on the XXXX  XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I called XXXX to change the payment due date. The representative assured me that this was noted in my account. They continue to report this account late even though I make timely payments and have never missed a payment. This has been going on for years and I have called XXXX on numerous occasions and they have verified the new due date however, this account continues to report my payments as lates. This false reporting is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. These lates need to be removed. I have contacted XXXX  as well as the bureaus to fix this, but I have not been successful.
Consumer complaint received 2020-09-22
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. (FL)

XX/XX/XXXX. 

XXXX XXXX XXXX. XXXX # XXXX XXXX, XXXX XXXX & Experian XXXX. XXXX  XXXX XXXX, TX XXXX RE : BANKRUPTCY ACCOUNT NOT IDENTIFIED To Whom It May Concern : I received a copy of my credit report and the items listed below were included in my bankruptcy but are not identified as such on my credit report. Please see the attached document- these item numbers written next to the problem entries.

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must updated to reflect  discharge in bankruptcy. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

If you have any questions or need additional information, please contact me at the address listed below. 

Thank you. 

Sincerely, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, FL. XXXX SSN : XXXX
Consumer complaint received 2023-03-29
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: EQUIFAX, INC. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.
Consumer complaint received 2021-07-10
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: Nelnet, Inc. (FL)

On XX/XX/2021, I filed a dispute with XXXX, XXXX, and XXXX  in regards to my credit report. It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2020-11-04
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: Experian Information Solutions Inc. (CA)

i just found out that there is an account with ( loanme No : XXXX ) that does not belong to me. i have filed a ftc report to support my claim. i have never authorized this company to run my credit or give me this loan. this loan is due to fraud. please see attached supporting documents
Consumer complaint received 2022-04-02
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: EQUIFAX, INC. (AL)

In accordance with 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 section 2 : it also states a consumer reporting agency can not furnish a account without written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-04-02
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. (TX)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, XXXX, and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Balance - XXXX XXXX XXXX XXXX XXXX XXXX Balance {$110.00} XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$30000.00} XXXX  XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$23000.00} XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX XXXX XXXX Balance {$25000.00} XXXX XXXX XXXX XXXX XXXX Balance {$23000.00} Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance {$110.00}
Consumer complaint received 2022-04-02
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: EQUIFAX, INC. (NC)

I have a hard inquiry on my credit report from XXXX XXXX when I never got financing or even look at serviced with them. 

In accordance with the fair credit reporting act 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 2024-02-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am formally notifying your company that unless the appropriate steps to rectify this situation are taken within 10 days, I will file a complaint with the FTC. Upon contacting the banks, I talked to someone within the company to confirm the documents had been received and they informed me that they never receive documents from the CFPB. Your legal obligation requires a response within 15 days, and failure to do so is a violation. Non-compliance may result in fines of up to {$1000.00}. I trust that upon receiving this letter, you will promptly address the issue. Please provide the investigation results for the following accounts : XXXX XXXX  XXXX XXXX Failure to cooperate will result in a complaint being filed within 10 days.
Consumer complaint received 2021-05-04
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. (MS)

First contact with XXXX XXXX XXXX ( XXXX ) in XXXX for moving from XXXX, XXXX  to XXXX XXXX . I agreed the contract Job # XXXX for XXXX on phone. 
The agent from the company Mr. XXXX XXXX asked me my checking account at CHASE bank and charged ( Check No XXXX ) {$600.00}. As per the contract, they moved and I paid the {$600.00} by cash to driver onXX/XX/XXXX during pick-up and rest paid to driver on deliverXX/XX/XXXX After 2-3 weeks, I noticed that the moving company charged an extra {$600.00} to my checking account without my authorization ( check No XXXX ). 

I contacted the XXXX  XXXX XXXX company in XXXX for returning this extra charge. They told, they will return me but have to wait for 30 days as they want to make sure I am not canceling the check. 

I contacted Mr. XXXX XXXX XXXX XXXX ) from XXXX XXXX XXXX XXXX XXXX. and he told me he has forwarded this for approval. I never received the check. 

Finally, he replied to me on XX/XX/XXXX by email, saying he forwarded my check to Mr. XXXX, who is the CEO of this company to sign the check. 

I have not received the check. No reply from Mr. XXXX to my subsequent emails or voice messages. 

I contacted Chase Bank in XXXX and talked to Fraud division, they told me since it has been 50 days, they can not do any thing, my claim rejected.
Consumer complaint received 2021-05-20
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. (FL)

To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my XXXX  and XXXX credit report. My latest credit report shows 2 credit inquiry/inquiries that I did not authorize. 

I am writing to dispute the following inquiries and ask for their removal from my credit report. 
Equifax mortgage service-inquiry on XXXX XXXX XXXX XXXX inquiry on XX/XX/2020 Please have these/this unapproved inquiries/inquiry removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 

Thank you for your assistance.
Consumer complaint received 2021-07-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Consumer Portfolio Services, Inc. (FL)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting