davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-28
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX  accounts, Account name : XXXX XXXX XXXX. 
Account number:XXXX  Account name : XXXX XXXX XXXX  Account number XXXX XXXX Account name : XXXXXXXX XXXX XXXX Account number XXXX XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX. 
Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number XXXX XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX have violated my rights : 15 U.S.C. 1681 ( A ) states : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S.C. 1681 ( B ) states : Consumer Reporting Agency can not furnish an account without my written instruction. 15 U.S.C. 1681 ( S ) states : ( a ) Duty of furnishers of information to provide accurate information. 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. I have notified XXXX, XXXX, & Equifax of inaccurate information on my credit report. 15 U.S.C. 1692 ( B ) states : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall, NOT state that such consumer owes any debt. I have received numerous phones calls from each of these companies trying to collect the money that i " allegedly '' owe. I feel i have given more than enough proof of the laws that these companies have broken. I need these accounts to be removed from my credit report. if these accounts are not removed from my credit report i will be seeking financial compensation or harassment. 15 U.S.C. 1692 ( D ) ( 5 ) states : causing a telephone to ring or engaging any person in telephone conversation or continuously with intent to annoy, abuse, or harass any person any person at the called number. Thanks for your time and understanding on this matter at hand.
Consumer complaint received 2021-10-26
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: Credit Plus Inc (GA)

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount XXXX XXXX XXXX  XX/XX/XXXX {$2700.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$970.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX XX/XX/XXXX {$86.00} XXXX XXXX XX/XX/XXXX {$190.00} Hard Inquiries Credit Plus XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-06-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX XXXX  ( XXXX XXXX  ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$470.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2018-03-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (NY)

On XX/XX/XXXX, the borrower took out a line of credit mortgage with PNC Bank with a maximum draw limit of {$89000.00}. It had a 15 year term, due on XX/XX/XXXX. There were no monthly payments, as it was a balloon payment. The borrower did not worry about this mortgage for several years, as he focused on the payments on his first mortgage. 

In XX/XX/XXXX, the borrower received a letter from PNC Bank dated XX/XX/XXXX which informed the borrower that he was behind on payments on the line of credit mortgage. The client reached out to our legal services organization to research the issue. I discovered that the mortgage term was 15 years, and that there were a little more than four years left before the mortgage was due. I believed there to be an error in the servicing of this loan, as they were requesting payments that the borrower never knew about. 

On XX/XX/XXXX, I sent a Notice of Error to PNC Banks address for Qualified Written Requests, seeking clarification on the XXXX letter and what payments they were talking about. I wanted confirmation that the mortgage was not due, and that it was a balloon payment without any monthly obligation. I got no response, despite the obligations servicers have to respond to Qualified Written Requests. 

More than a month later, on XX/XX/XXXX, I updated the Notice of Error with dates and the fact that my first one never received a response. I sent the NoE via certified mail, so that I could confirm receipt of the document by PNC Bank. 

On XX/XX/XXXX, I received the certified mail receipt from XXXX which confirmed that the letter had been received by PNC Bank on XX/XX/XXXX. Per 12 C.F.R. 1024.35 ( d ), the servicer had five days to confirm receipt of the letter, with information on when a response could be expected. Nothing of the sort was sent to the advocate nor the borrower. Weeks passed, and per 12 C.F.R. 1024.35 ( e ) ( 3 ) PNC Bank only had thirty days to respond to my Qualified Written Request. There has been no response, despite the fact that I have been trying to get information from the bank for nearly three months. It is now XX/XX/XXXX, and I am no closer to finding out what is going on with the borrowers second mortgage. This is a gross violation of the CFPB regulations, which are supposed to facilitate correspondence between the borrower and the mortgage servicing industry.
Consumer complaint received 2018-02-03
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: U.S. BANCORP (WI)

Applied for XXXX XXXX US Bank XXXX XXXX card on XX/XX/XXXX after receiving offer for {$150.00} welcome bonus for spending {$500.00} in first 90 days of opening account. 

After meeting terms, I called on XX/XX/XXXX to inquire about receiving bonus. I was told i needed to provide the advertisement in order to receive the credit. 

The offer was through an online landing page, and no terms were provided after signing up through the promotional landing page. 

They are currently running the same promotion and have advertisements for applications received XX/XX/XXXX through XX/XX/XXXX. They will not accept this promotional advertisement as proof as the card was applied for on XX/XX/XXXX and it was a prior promotion.
Consumer complaint received 2018-12-08
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. (NC)

Equifax continues to maintain Hard Credit Inquiries on my Credit Report that are unauthorized. I have notified each company by mail and phone more than once more than twice. Dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX etc. I contacted Equifax Credit Bureau by phone and mail. I was told by Equifax that credit inquiries are FACTUAL, I don't ' know what that means and when asking the Equifax representative the explanation I got was that the credit inquiry had to be authorized by me and that the credit inquiry must remain for two or more years. So my question is if a hard inquiry is not connected to any accounts on my credit report and the same hard inquiries are displaying more than one time, why would that be factual? Please help me. With all these security breaches and Hurricane Florence I have been displaced from my home and now living with family. This is a hardship for me as I am trying to make sure that my credit reports are displaying the correct information.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX MO XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$830.00}, XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$330.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00}, XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I recently for an apartment and I got denied. I got denied. I don't understand why I would be de-nied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report. XXXX {$54.00} DEPREDXXXX {$11000.00} XXXX {$3000.00} XXXX {$0.00} XXXX {$23000.00} DEPTEDXXXX {$2100.00} XXXX {$410.00} XXXX {$59.00} XXXX {$16000.00} XXXX {$0.00} XXXX {$1800.00} XXXX {$7500.00} XXXX {$1400.00} DEPTEDXXXX {$8500.00} XXXX {$500.00} XXXX {$200.00} XXXX {$450.00} XXXX {$450.00} XXXX XXXX {$870.00} DEPREDXXXX {$11000.00} DEPTEDXXXX {$13000.00} DEPTEDXXXX {$8700.00} DEPTEDXXXX {$870.00} XXXX   XXXX {$710.00} XXXX {$590.00} XXXX {$460.00} XXXX {$4200.00} XXXX {$20000.00} XXXX {$23000.00} XXXX {$17000.00} DEPTEDXXXX {$5500.00} XXXX {$0.00} XXXX {$1600.00} XXXX {$1800.00} XXXX {$200.00} XXXX {$1700.00}
Consumer complaint received 2021-08-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: STATE EMPLOYEES CREDIT UNION (NC)

I, XXXX XXXX entered into a consumer credit transaction with State Employee 's Credit Union on XX/XX/2017. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but State Employee 's Credit Union took cash. State Employee Credit Union willfully implied that I am the Borrower of this consumer credit transaction, when in fact I am the original creditor. This is highly false and misleading pursuant to 15 usc 1692 ( e ). State Employee Credit Union is in violation of 15 usc 1692 ( f ) ( 1 ). This consumer credit transaction did not include the interest percentage rate, following I was charged 10.75 % yearly.
Consumer complaint received 2018-12-08
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: WELLS FARGO & COMPANY (NC)

On XX/XX/2018 I WENT INTO XXXX  XXXX XXXX TO TRY TO PURCHASE AN CAR. I WAS VERY PACIFIC TO NOT RUN MY CREDIT MORE THAN TWICE TO FIND OUT THE NEXT DAY THAT MY CREDIT WAS RAN 8 TIMES. I WAS APPROVED THROUGH ONE LENDER XXXX XXXX BUT THREE WEEKS LATER THE LENDER DECIDED TO DECLINE THE LOAN. THEN WHILE I WAS AT WORK UNAWARE WHAT WAS GOING ON XXXX XXXX XXXX DECIDED TO RUN MY CREDIT 3 MORE TIMES WITHOUT MY CONSENT. THIS HAS DAMAGED MY CREDIT SCORE SOME MORE. THESE ARE THE COMPANIES XXXX XXXX WELLS FARGO DEALERSHIP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( RAN TWICE ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-05
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: Financial Freedom Mortgage, LLC (MD)

On Friday XX/XX/2020, I was contacted by Financial Freedom Mortgage LLC ( FFM ), located at XXXX XXXX XXXX XXXX, XXXX  XXXX, NJ XXXX ), for the purposes of obtaining a mortgage refinance rate quote. I was told by the opening sales person that they would need to run a soft inquiry of my credit report and I consented to a soft inquiry only, since I was still shopping for rates and was not ready to initiate the refinance yet. I continued with the phone conversation and was transferred to another sales person who told me that I was pre-approved for a loan. The sales person did not advise me that he was running a hard pull on my credit report and at no time did I give authorization for them to do so. The next day my credit monitoring service alerted me of the hard pull. FFM used a third party, XXXX XXXX XXXX ( XXXX ), to run the report. I contacted XXXX that day and they advised that FFM ran not one, but two hard pulls of my credit report on the same day. I filed a complaint with them and advised that I did not consent. On Monday XX/XX/2020, I contacted FFM to file a complaint and I first spoke to XXXX ( refused to provide me with his last name ) who advised that he was the Loan Officer Manager. I explained that I did not give consent for a hard pull and he advised that I should have assumed that when I was pre-qualified that they were going to run a hard pull. I continued to explained that the first salesperson I spoke with made it clear to me that only a soft pull would be conducted. XXXX was very defensive and combative and abruptly hung up on me. I called back and insisted to speak to his manager. After not allowing me to speak with anyone else after twenty or so minutes he finally relented and transferred me to his supervisor, who identified herself as XXXX XXXX. Ms. XXXX advised me of the same information that I should have assumed that they were running a credit report since I was applying for a mortgage refinance. I advised her that I am well aware of that a hard pull would have to be done eventually and that I was shopping for the best Annual Percentage Rate ( APR ), and that I was lead to believe that they were only conducting a soft pull of my credit report. Ms. XXXX advised that she would have XXXX XXXX, who is one of their Vice Presidents, contact me. On Thursday XX/XX/2020, Mr. XXXX called and I advised him that I did not want to do business with his company and that they never had my authorization to conduct a hard pull of my credit report which violates the Fair Credit Reporting Act. He said he would look into it and the conversation ended. During the week of XX/XX/2020, I received a letter in the mail from FFM advising me that they pulled my credit report. I have not heard anything additional from FFM. As a result of their hard inquiry of my credit report, it adversely affected my credit score by reducing it multiple points.
Consumer complaint received 2019-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX  deducted 24 points from my credit score last month and I can not get a reason for this change from them. They had no reason to deduct 24 points from my score. I am filing this complaint to get this solved.

I have been working hard to get my score higher and I have been paying my bills on time and should not have any deductions from my score.

This goes on continually and there seems to be no one monitoring what the credit reporting bureaus are doing.

I want my score reviewed and my points returned and updated like they are supposed to be. I also want to know if race is a factor that is used to rate credit, since I know algorithms are utilized to manage our credit scores and is a process or set of rules to be followed in calculations or other problem-solving operations designed by man.

Thank you. XXXX XXXX
Consumer complaint received 2022-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AXOS FINANCIAL, INC. (SC)

I had cancelled a XXXX  service, XXXX, in early XXXX after numerous complaints of service failure dating to late XXXX. Despite my attempts to cancel service, my Axos bank account was auto-drafted two different service fees, XXXX and XXXX, even with no service ; one for home use and another for business, which I'd disputed. Then after I was able to cancel service, XXXX in response drafted {$39.00} from my account for equipment that I'd already purchased, then said I'd have to return it and email proof of return with a tracking number, which I did on XX/XX/XXXX, and again on XX/XX/XXXX. Meanwhile, I had disputed these drafts with my bank, Axos, on XX/XX/2015, XXXX, and several times in XXXX the last of which was XX/XX/XXXX. Axos said I'd have to provide proof of cancellation, requests to cancel, and provide a signed affidavit. I did so, yet to date, I still have not received any recovery of fees drafted that were without my authorization or knowledge, and after I had cancelled the service and had obtained proof the service was cancelled. My frustration is with the service, but also with my bank which has promised resolution but subjected me to delays without any. This seems to be a pattern with this bank, but also results from a real problem involving online merchants exploiting and abusing customer bank accounts and the access they'd been granted for specific charges that in no way intended to grant lifetime recurring charges for defective, unwanted, or cancelled services. I learned from one online merchant this week that even after a customer has deleted a payment method and/or cancelled a service, the card number stays in the system where it could be easily accessed/charged again with or without the customer 's approval. I learned from a second merchant ( representing XXXX ) that any debit or charge card used then suspended or removed from an account or service actually remains where the merchant places a hold on it just as gas stations do when paying at the pump. This spells big problems for customers and even worse concerns about merchants, online or those who use auto-pay as either an option or requirement, are compromising and exploiting customers who, like I, do not have the financial luxury of maintaining endless subscriptions or services ; nor who are able to pay bills at various times of the month, because of one-time monthly retirement payments. This is not the only time I have been hurt by these problems, and I will be submitting other complaints involving banks refusing to block or recovery drafts that I'd not authorized or after I had either blocked or suspended. It has devastated my credit due to charged off accounts that were overdrawn strictly due to unauthorized auto-drafts and payments.
Consumer complaint received 2023-02-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (PA)

I was scammed and i lost XXXX to XXXX XXXX and XXXX dollars of this money cane from a home equity loan and was deposited in my wells fargo bank account. According to wells fargo on XX/XX/XXXX figure lending put a recall on my account and wells fargo responded to that recall on XX/XX/XXXX and denied it and wells fargo froze my account on XX/XX/XXXX and closed my account on XX/XX/XXXX and now holding on my XXXX dollars personal money and their reason is there was a recall on my account that they actually denies and not giving me my money back They are refusing giving me my money back that are my direct deposits from my job They are refusing giving me any answers and passing me around between their departments I just want my money that i worked for back
Consumer complaint received 2022-04-28
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. (AL)

Around XX/XX/2020. I purchased a car from XXXX  XXXX  XXXX  on lease. The car was totaled out and the insurance company paid the car off in full. Well I pull my credit report and their reporting I owe full price for this car. Saying that I owed a {$500.00} deductible That I knew nothing about. This car has been paid for these people are scamming people out of money and its not fair. This should not be on my credit report.
Consumer complaint received 2021-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have furnished TransUnion with my identification documents : ( birth certificate, passport, gas bill, and social security card. ) I have presented this information in every correspondence I have sent this corporation since XX/XX/2021. TransUnion just sent me a letter dated XX/XX/2021 but not postmarked until XX/XX/XXXX, that they can not process my request because their corporation doe not have my documents.
Consumer complaint received 2024-02-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (SD)

My PSLF count is currently XXXX. Mohela placed my loans into forbearance due their administrative error. This forbearance caused XX/XX/XXXX to be erroneously labeled as ineligible for PSLF. Once this error is corrected, I will have XXXX PSLF months and be eligible for forgiveness. Mohela rep told me on XX/XX/XXXX that this error can not be corrected for another XXXX business days. Rep also told me that I am not eligible to apply for forgiveness because I have XXXX payments. That ludicrous processing time will cause me to have to make more unnecessary payments and recertify my income.