davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WA)

FRAUD ALERT : THIS IS NOT A DUPLICATE SUBMISSION : I AM REPORTING FRAUDULENT AND XXXX XXXX of Equifax Customer Service Representative XXXX ( XXXX XXXX XXXX XXXX Consumer Affairs Equifax indicated XXXX XXXX XXXX XXXX was UN-VERIFIED and not Reporting to my consumer report. Equifax, and XXXX removed the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, due to inability to verify. Following Recorded Phone Call on XX/XX/2024 CONSUMER XXXX XXXX XXXX spoke to, Equifax Customer Service Representative XXXX ( XXXX XXXX Office of Consumer Affairs, Regarding my XXXX XXXX XXXX XXXX XXXX public record. Immediately following that conversation on XXXX XXXX XXXX Bankruptcy XXXX XXXX public record was reported by Equifax XXXX On XXXX XXXX I contacted XXXX to confirm if my consumer file had been accessed for the purposes of XXXX XXXX. XXXX confirmed my XXXX XXXX was active and has been XXXX since XXXX XXXX. I have obtained a copy of my XXXX XXXX. Equifax Customer Service Representative XXXX ( XXXX XXXX XXXX XXXX Consumer Affairs, fraudulently and illegally obtained access to my file through the XXXX XXXX Site by way of the PRE-QUALIFICATION PORTAL. EQUIFAX HAS BEEN UNABLE TO VERIFY MY ACCOUNTS DUE TO CREDITORS REFUSING and electing to falsify my owing balances on XXXX Closed Accounts. 

I have attached evidence proving the gross misconduct of Equifax Customer Service Representative XXXX ( XXXX XXXX Office of Consumer Affairs. 

The Fair Credit Reporting Act ( FCRA ) protects consumer information, including credit reports, and prevents the sharing of this information without a specified purpose. The FCRA gives consumers the right to access their credit reports once a year for free, and to limit unsolicited offers for credit and insurance. The FCRA also specifies who can access a consumer 's credit report, and both the XXXX XXXX XXXX and the person seeking access without a valid reason can be held liable if they breach the law. 
The FCRA governs how credit bureaus can collect and share information about consumers, which businesses may use for many purposes, such as deciding whether to make a loan or sell insurance. The FCRA also gives consumers the right to : Know who requested their credit report within the last year Seek damages from anyone violating the FCRA The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) are responsible for enforcing the FCRA.
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (LA)

I feel these are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 60 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me. It is clearly stated in Section 611 ( a ) that failing to investigate these matters within 30 days gives a reason to immediately remove these things off my credit report immediately. It has been 60 days, so they should be erased immediately.
Consumer complaint received 2021-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

Transunion provided at least 5 however it could be more credit reports to different lenders when I was trying to receive financing for an automobile. Unfortunately, other than one item reported may be considered accurate for their purposes, otherwise I don't see any of the other information they reported on my actual credit reports that were considered key factors in me being denied for financing. XXXX  provided much of the same information. 

I'm going to be sending screenshots and photos of the denial letters to prove my point. 

Some are taken directly off of creditkarma.com and it's impossible to deny the inaccuracy of said credit reports. I will number the key factors and explain in my own words why they are not accurate. 

1. Serious delinquency. I'm not delinquent or behind on a single payment or account, exactly what are you referring to? 

2. Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high. It's a catch-22 situation that even XXXX has on their own website and of course banks. They want you to use their credit cards and offer you additional cards, yet they don't want you to carry a high balance. It's manipulation at it's finest only to be punished by the reporting banks and credit reporting agencies. 

3. Time since delinquency is too recent or unknown. Again, what delinquency? Look at my credit report, I don't have a single account that is delinquent. 

4. Number of accounts with delinquency. This is getting redundant, yet again, what delinquency? And you should not be able to use the same reason or a version of it 3 times on the same report. 

5. Inquires did impact the credit score but no derogatory information was found. That statement alone is asinine. It impacted my ability to receive financing which means it impacted my credit, maybe not my score, even though there was no derogatory information so in reality it shouldn't affect it at all. To many hard hits, it without question affects your credit. Your utilizing an oxymoron to describe the situation. 

6. Too Few Accounts Currently Paid As Agreed. What accounts? Every account is up to date or paid on time. 

7. Level of Delinquency on Accounts. What accounts? 

8. Lack of sufficient relevant real estate account information? Financing was for an automobile, real estate is not relevant 9. The date that you opened your oldest account is too recent. My oldest account is over a year old if not 2. 

10. Number of inquiries my have also adversely impacted the score. See number 5.
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I feel these are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX  since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 60 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me. It is clearly stated in Section 611 ( a ) that failing to investigate these matters within 30 days gives a reason to immediately remove these things off my credit report immediately. It has been 60 days, so they should be erased immediately.
Consumer complaint received 2021-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

On numerous occasions XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I reached out to the credit bureaus and company in charge of this account to get it removed for one XXXX  reporting this account and to remove it due to XXXX  purposes. This account along with its debt does not belong to me or was not authorized by me.
Consumer complaint received 2021-04-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

I feel I was discriminated against due to race ( XXXX ) and age ( early XXXX ) from my appraiser ( Older XXXX Male ) on my home value, causing me not to qualify for optimal rates. 
I applied to refinance my house XX/XX/XXXX my loan finally closed XX/XX/XXXX My appraisal was completed XX/XX/XXXX pricing my home below market value & Chase would not allow for a 2nd appraisal or consideration Filed a complaint with CFPB on XX/XX/XXXX, heard from chase a week later that they will review Finally heard back on XX/XX/XXXX with chase saying they found no wrong doing & my case is being closed I asked to submit documentation I had for consideration & was told it doesnt matter they made their decision At no point during Chase investigation did chase try to work with me to get more details or provide specific answers to my question Chase rep listened to my initial complaint and took notes but only follow up was they were working on my case that took over 1 month I believe incorrect data and bias data was used to set the appraisal for my house On my XX/XX/XXXX appraisal the main house used to set the price point was a home sale from XXXX when the market conditions were different I would like to know why such an old house sale was used, why consideration to use more recent sales data was ignored On my XX/XX/XXXX appraisal the housing trend was marked as stable & In Balance home price in my area had shot up and there was a shortage due to covid These negative bias factors in setting my home price affected my appraisal value The lower appraisal value disqualified me from optimal rate My current home value + Solar panel lien required an appraisal of $ XXXX in order to achieve 25 % loan value Appraisal of $ XXXX priced my house at {$320.00} a sqft which was the lowest for any home with XXXX data on the appraisal report My house had extensive renovation that included : New bathrooms, Kitchen, floors, paint, tankless water heater, appliances, solar panels & expansion of the house Chase statement Chase states since my loan was sold to XXXX XXXX nothing they can do Chase stated since appraisal was 3rd party vendor all they can do is monitor for future issues Resolution I would like a refund on fees that I wouldnt have paid if I received a fair appraisal Original lock in agreement was 2.5 % with ( {$1000.00} ) Credit ( 25 % loan to value disqualified me ) Instead I paid {$4700.00} at 2.625 % Fees paid + refund due = {$5700.00}
Consumer complaint received 2022-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (PA)

On XX/XX/22, I deposited XXXX checks totalling {$1000.00} into a personal checking account at TD Bank at XXXX XXXX XXXX, XXXX, PA using my ATM card. Only XXXX of the checks totalling {$800.00} were credited and I have been trying to resolve the missing {$200.00} since that date. I went into the bank immediately afterwards and they opened a XXXX XXXX investigation, the results of which were that the XXXX checks which were not credited had been destroyed. This is not correct because one of the checks was drawn on a XXXX account and the owner of that account was debited {$200.00}. No one seems to know where the {$200.00} is and TD has never credited my account. It then made an adjustment request and today I found out that had been closed. So my neighbor 's account has been incorrectly debited {$200.00} ( he wrote a check for {$100.00} and somehow he was charged for the XXXX {$100.00} checks ) and I have never been credited for the {$200.00}. This all happened on XX/XX/XXXX and it is literally almost XXXX months later and despite innumerable phone calls, emails, and several in person visits to the branch, I can not TD to resolve this issue. Fortunately, I maintain a large enough balance that I can wait for the resolution, but what about a person who needed access to the {$200.00}?
Consumer complaint received 2019-02-23
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

This is a company called XXXX XXXX claim I owe them {$450.00}. I do not know this company or the company they represent this is fraud. I never authorized any purchase of {$450.00} I never signed anything. This is fraud. They say they are working with capital one I have no idea what they are talking about as this was fraud and never authorized by me.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2021-09-04
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Tower Loan of Mississippi, Inc. (IN)

This guy XXXX XXXX I think is his last name. He has called with multiple last names. He is the manager. I told him me and my husband were separated about 3 months ago. He calls and leave messages daily. I stopped answering his calls and he still calls daily up to 3 times sometimes. 
He also comes to my house. Im a small person also XXXX and XXXX yrs old. He is a big man. Im in bed most of the time and if no one is with me I do not answer my door if not expecting someone. But I can see who it is and. Talk to them if I want. But this man beets on the door like he is trying to break it down. He beats on it hard. Real hard. And he beats on the glass to. I am scared of him. He says he wont leave till he gets money and beat on the door for over XXXX hr. This man reminds me of a muscle man for a crime boss from XXXX or XXXX  XXXX  Ive got a bad XXXX and he give a person a XXXX XXXX waking them up beating on their door like that. 
My name is not on the loan I dont owe him a penny. He has no right calling me, or coming to my house XXXX a week treating me like that. 

He is manager of Tower Loan XXXX XXXX IL I NEED HELP. I know what he is doing is not legal even if I did owe him. But I dont owe him so it should really be illegal big time. 

Can I have him arrested?
Consumer complaint received 2021-05-23
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: EQUIFAX, INC. (MO)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-08-11
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. (NJ)

Recently I did an investigation on my report, due to your erroneous reporting to the Credit Bureaus its highly negative impact on my personal credit report. Please be advised that this is not refusal to pay, but a notice sent pursuant to the Fair Credit Debt Collection Practices Act : 15USC 1638g Sec. 809 ( b ) that your claim is disputed, and validation is requested. This is NOT a request for VERIFICATION or proof of my mailing address but a request for VALIDATION .I would like for my report to be accurate.
Consumer complaint received 2021-03-26
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. (NY)

On XX/XX/21 while traveling in Florida, I purchased gas using my Chase Debit card. The total was {$20.00}. When I returned to my hotel later that afternoon, I noticed an additional charge of {$84.00} from XXXX XXXX XXXX XXXX in Washington state. I immediately called Chase customer service and disputed this charge as unauthorized. My card was disabled, I received a credit and I was mailed a new card to my home in New York. On XX/XX/21 I noticed Chase bank reversed the credit for {$84.00}. When I call them to inquire I am told that the initial charge was not fraud and was substiantiated by the mechant. I asked for proof of my signature and was told by both the CSR and Supervisor that my signature was not needed because the merchant was able to verify my name, address, and email. I argued that the company who charged my card is a some type of company in Washington state. I am XXXX years old, physically XXXX with a XXXX injury, live in New York and I did not purchase or authorize the purchase! They could have cared less. They told me the charges were valid and they would not reverse them. However, I could reopen the claim if I could provide proof of fraud. I asked them for the contact information for the merchant and was given XXXX. Which is an outsourced 3rd party service who has no information on the credit card transactions. The first thing they ask is for your zip code, name & address before even allowing you to ask any questions. So of course they have just been given the information Chase requires to verify a purchase. Chase did not have an address for the merchant for any name other that XXXX XXXX XXXX XXXX. I have been unable to find a company by that name listed anywhere.
Consumer complaint received 2020-10-23
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)

In XX/XX/2020, I have applied for a personal loan with XX/XX/XXXX for a amount of {$5000.00} and after a few days have withdrawn from it but turned around and paid off the loan within 10 days. Once I checked my accounts status with XXXX, I have noticed this loan no longer exists on my app and was removed, I have called XXXX to find out why it is no longer there and/or available to me, so I was told this loan was removed since I paid it off and no longer is available to you. I disputed this issue with their Credit Reporting Department and was told " they are not able to remove this hard inquiry from my credit reports ''. 
I should have been informed about pros and cons of XXXX personal loans, the available funds should have been available to me as needed, and hard inquiry should be removed since the life of the loan was less than 10 days.
Consumer complaint received 2019-02-22
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

This is a company called Portfolio Recovery claim I owe them {$450.00}. I do not know this company or the company they represent this is fraud. I never authorized any purchase of {$450.00} I never signed anything. This is fraud. They say they are working with XXXX XXXX I have no idea what they are talking about as this was fraud and never authorized by me.
Consumer complaint received 2017-07-07
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC. (WA)

Ally Financial continues to call me several times a month ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) to collect on a debt that is the responsibility of my ex-wife. They have called my acquaintances asking about her and asking to collect on her debt. I have explained the situation to them many times and asked them to stop harassing me and friends of mine. They are very rude, hostile and abusive. <P/>I never signed a contract for this loan, it was completed by my ex who has lived in a different state for several years. Ally did not do their due diligence in approving a loan without my consent, signature or knowledge of the loan. They did not question the identity of the person who signed the loan.
Consumer complaint received 2022-10-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC (FL)

My name is XXXX XXXX, I was asked to pay a debt by MRS Associates on behalf XXXX XXXX XXXX XXXX. Thats a debt that never was mine, I canceled my plan because they were charging me a nonsense amount of money each month. When I canceled they said I was fine and I had no debt, now this entity MRS continues to call me to collect a debt and people from XXXX is calling me all the time, they do not talk to me about the issue when I try they keep saying to pay the debt with no intend of listening. Now my credit went down XXXX points and it is unpleasant. Never had a collection debt or delinquent debt before.