davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-07
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)

XXXX, XXXX, and Experian continue to report inaccuracies on my report. This is causing me great anguish and preventing me from buying a home. The aforementioned accounts are deliberate attacks on my character. They have no merit whatsoever and don't belong to me. Please help rectify this situation.
Consumer complaint received 2022-08-15
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. (NJ)

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681a ( 3 ). You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681a ( 4 ). You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681b ( 2 ). | never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report. All XXXX Dept of EDXXXX
Consumer complaint received 2020-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

See attached letter. XXXX reflects they did not have written authorization to access my credit report. XXXX reflects in letter they had a verbal permission to access my credit. FCRA clearlly states that written instructions is required unless a person ( and not a company as XXXX ) has met the permissible purposes required to access one 's credit report. 
In addition, XXXX then contracted XXXX XXXX to access my credit report on their behalf. XXXX XXXX is a group of companies under one company who then has access to my personal information. I never gave permissible purpose to XXXX XXXX or XXXX to access my credit report and the CRA 's need to remove inquiries immediately.
Consumer complaint received 2015-10-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (KY)

XXXX accounts XXXX, XXXX, and XXXX ARE NOT MY ACCOUNTS ... these need to be removed. I have told them numerous times and no one cares. 
XXXX got these accounts from XXXX. XXXX allows anyone to order from them without any source of identification at all. All you give them is a name and an address and then XXXX. I need these account removed. this is effecting my ability to get credit.
Consumer complaint received 2020-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I went to XXXX XXXX XXXX to shop for an XXXX. As I was getting ready to pick the one I  wanted I sat with my sales man, He told me I had to get my credit pulled to see if I was able to finance the XXXX. We took a look at my credit report and the items listed on my report do not belong to me.
Consumer complaint received 2016-02-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (GA)

The first complaint involving merchant XXXX XXXX XXXX and XXXX XXXX XXXX Experian Credit Reports produced results as follows : ( 1 ) CFPB assigned complaint number XXXX and did make contact eventually with the above-mentioned credit reporting agencies ; ( 2 ) On XXXX/XXXX/2016 merchant XXXX XXXX XXXX only acknowledged the above-mentioned complaint as an 'inquiry ', wrote consumer that contact was made with appropriate consumer reporting agencies and ask them to " Remove the dispute message that appears on your credit file '' ; On the same date correct information and restored FICO score resulted on consumer credit report ; ( 3 ) On XXXX/XXXX/2016 merchant XXXX XXXX did 'knowingly, willfully, and fraudulently commit the same violation as previous complaint by removing the revolving credit value from consumers credit card with XXXX balance and purposely replaced the PAID status with that of UNKNOWN. This scheme is repeating itself in a manner that deserves elevation to congressional level.
Consumer complaint received 2021-02-26
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. (FL)

XXXX XXXX is reporting my auto loan as still open when it has been paid off. 
All 3 credit bureaus are showing an open balance with XXXX XXXX and XXXX
Consumer complaint received 2017-01-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (TX)

I contact Experian previously by phone to have personal info such as old/inaccurate addresses, inaccurate addresses, old phone numbers, and inaccurate aliases removed from credit report. The agent I originally spoke with refused to correct the information and was rude and unprofessional. By FCRA laws, any and all inaccurate information is to be removed and updated. Since I was told I needed to file a dispute of old/inaccurate information. I disputed the information online but they still have refused to remove the incorrect information. I am very upset that they will not remove inaccurate information.
Consumer complaint received 2015-04-10
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

XXXX Loan Servicing has repeatedly failed to mail mortgage bills to my correct address. I have lived at the same address for the past 2 years and XXXX has failed to send me monthly mortgage bills and then they report my account as past due. This is now the XXXX time this has happened and the last time it happened my account went 60 days late and my credit has been adversely affected due to XXXX 's failure to send the bills in the timely manner to my correct address.
Consumer complaint received 2017-02-28
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (CT)

I purchased a lease vehicle from Toyota financial and they have been adding misc charge and said it was taxes in the sum of {$2000.00} dollars. My lease ended in XXXX and they said I could extend my lease for 6 months and the payment would be approx XXXX. I called to make a payment and I was told my payment is {$470.00} approx a month for a XXXX toyota corolla. I believe i refused to purchase a lease vehicle from the dealer and all of a sudden my expenses have gone up. I have no letter stating my monthly payment. even on the website the total for 2 months is XXXX yet the agent on the phone told me it was over a XXXX even though on the website on my account it says XXXX. Their numbers are not matching and I feel like i am being cheated. I have had terrible service with Toyota financial due to these issues.
Consumer complaint received 2015-11-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Monterey Financial Services LLC (GA)

I have a charge-off on my credit from " MONTEREY FINANCIAL SVC '' & " MONTEREY COLLECTION SVC '' which I never even applied for. I was sent a letter from Monterey Financial Services Inc dated XXXX XXXX, 2014 saying that my credit application was denied. But again, I never applied for anything to this company or the application for " XXXX '' that they are referring to on their letter. I did attend a sales pitch meeting from XXXX but I did not purchase any of their vacation packages. Now my credit report is showing XXXX charge-offs from this company for {$4600.00} and {$3400.00} ; which like I mentioned above, I have never applied for to begin with.
Consumer complaint received 2024-02-21
Product: Credit reporting 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. (NY)

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 



1. The inquiry was not authorized XXXX - XXXX Account Number : Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  XXXX XXXX  Account Number : Please investigate and delete from my credit report. 

3. The inquiry was not authorized XXXX XXXX Account Number : Please investigate and delete from my credit report. 

4. The inquiry was not authorized XXXX XXXX Account Number : Please remove this inaccurate information from my credit report. 

5. The inquiry was not authorized XXXXXXXX XXXX XXXX XXXX Account Number : Please investigate and delete from my credit report. 

6. The inquiry was not authorized XXXX XXXX Account Number : Please investigate and delete from my credit report. 

7. The inquiry was not authorized XXXX XXXX XXXX Account Number : Please investigate and delete from my credit report.
Consumer complaint received 2023-03-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (FL)

The same complaint is the issue : XXXX They have still not sent an inspector. We have asked them to text or e-mail so we have the paper trail of them trying to reach us. Truist says the inspectors call and leave messages, which they've not left and we don't have any missed calls. - Response to the closed case cited above, " We still have not received any phone calls from your inspectors. No one else is having trouble getting ahold of us. In fact, your offices ( Truist ) have reached XXXX XXXX, my wife, several times following up on the issues after the complaint was filed. Please give us a number to reach an inspector! We can give you pictures to show the work has been done. We have already completed the work matching the funds being held and Trust would know that if they sent an inspector. '' Original unresolved complaint - " This is not related to the payment process from our side. No option matches the issue we're having with Truist Bank. Hurricane Ian caused severe damage to our home. We have worked with XXXX XXXX and a contractor to get everything paid for and rebuilt. XXXX XXXX has been wonderful working through the process. We finally have drywall up in all of our rooms. The problem is that Truist is holding our money from XXXX XXXX. We have tried in good faith to follow their process of sending them the checks and adjustment forms. We have also tried to get an initial inspection done so they can believe that we are rebuilding our home and release the money so we can pay our obligations. They change the dates of the inspection requests every time we contact them and have canceled the inspections saying we did not return a voicemail call from the inspector. We had no missed calls or messages on the day in question XX/XX/XXXX ( why would someone only try on one day ). Our initial online request for the initial inspection was on XX/XX/XXXX when they told us they would be holding our money from XXXX XXXX. We will have to stop rebuilding if they keep holding the money. They are currently holding about {$51000.00}. We still have more that will be coming from XXXX XXXX, and we feel like Truist, and the Insurance Claims Check people are taking unfair advantage of us while we are still trying to rebuild our lives. '' As for the company 's reply that the inspector tried to call us on these dates, is untrueand we're not sure what number was called ; it was not one of the ones on file. " However, on XX/XX/XXXX a message was sent to the inspector to attempt to make contact again utilizing the phone number we have on file, XXXX. Subsequently, a telephone call was made on XX/XX/XXXX at XXXX pm, XX/XX/XXXX at XXXX and XX/XX/XXXX at XXXX. '' Call XXXX and let her know that she doesn't answer her phone or check her messages. I know she called Truist again today about the issue.
Consumer complaint received 2021-03-28
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: Credit Karma (FL)

I no longer have access to my old email or my old phone number with credit karma and I need to reset my password with them and theyre basically advising me that theres no other way to reset the password except with those two options which I find to be ridiculous theyre not giving me the opportunity to send my identification or send any documentation to verify my identity
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I am writing to you to request the removal of incorrect addresses from my credit report. Upon reviewing my credit report, I have noticed that there are addresses listed which are not associated with me or my current residence. These inaccuracies are potentially affecting my creditworthiness and financial standing. 


My only addresses that should be on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX I confirm that the addresses mentioned above are the only valid and accurate addresses associated with my current residency. Any other addresses listed on my credit report are erroneous and should be promptly removed to ensure the accuracy and integrity of my credit profile. 

I understand the importance of maintaining accurate credit information and request your prompt attention to this matter. Please investigate and rectify these inaccuracies as soon as possible. If you require any additional information or documentation from me to facilitate this process, please do not hesitate to contact me at the provided contact information. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the removal of the incorrect addresses from my credit report.
Consumer complaint received 2015-10-12
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Halsted Financial Services, LLC. (NY)

I have contacted this collection agency more then once and told them not to call my place of employment. They call my job everyday and leave messages such as if he does n't call us by XXXX we will send legal paperwork to his job. Futhrrmore they are calling my family members saying I 'm in trouble and need his phone number and last they made threats to me for example they say do you know where your daughter XXXX is I said why then they said you better check on her. I mean really come on and I also get a call from a private number they hang up just to get my voice mail saying that I will be receiving legal paperwork from my local county and you need to call up to make sure you address has not changed.
Consumer complaint received 2015-12-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (MD)

I had a mortgage with XXXX and when they collapsed it was passed on to other lenders without my knowledge and XXXX XXXX XXXX wound up with it and it took several years before i found out where it was going to and a loan servicing company called Specialized Loan Servicing started sending me notices and then it was sold to XXXX XXXX and XXXX XXXX and I had to hire several different law firms for a Modification which XXXX is now the bankrupt law firm XXXX XXXX out of XXXX New York. They had told me that indeed I was the victim of Robo signing and for years I filled out monthly paperwork for SLS whom I found out was working for XXXX and XXXX and they forced me into bankruptcy and my home and my truck were the only debts I had and I am still in the house and there is a serious problem as the house sits on XXXX pieces of property XXXX of which XXXX county and I have a stake in together ... It gets even more twisted as I am still trying to save my house and I am still in it, I need to talk to someone asap .Thank You
Consumer complaint received 2020-06-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Receivable Management Services LLC (PA)

On XX/XX/2020 I sent a certified letter asking to validate the debt that is being reported on my XXXX and XXXX credit report. The collection agency name Receivable and their address is XXXX XXXX XXXX XXXX, Pa XXXX. I havent received and response via postal mail. They removed the account off of XXXX  but is still reporting on XXXX   and still havent heard anything from them validating the debt that I have no knowledge of the debt.
Consumer complaint received 2022-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (DC)

I applied for a Blue Business plus credit card on XXXX XXXX and XXXX XXXX and was denied because Amex said they obtained my XXXX score from XXXX and used it in making the decision to deny me. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.Code 1691c and is Pursuant to civil liability under 15 U.S.Code 1692k. Amex is subject to criminal liability for violating 15 U.S.Code 1691 as I have proof that i was descriminated against by AMEX due to the response I received. AMEX is in violation of 15 U.S.Code 1642 .15 U.S.Code 1681m and 12 CFR 1002 because I, the consumer mad an apllication in good faith, but credit was not issued.
Consumer complaint received 2017-01-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (TX)

My Mortgage was transfered/sold to LoanCare ( XXXX ) sometime between XX/XX/XXXX and XX/XX/XXXX ; hard to tell due to this company 's false and illegitimate business practice! They stated my escrow account was short for beginning year XX/XX/XXXX, and increased my monthly amount for escrow. I contacted them ( XXXX ) because my required monthly escrow amount increased ; they explained that my home insurance increased. I already knew this, but wanted to speak with this company for first time after reading online reviews. In addition to my home insurance increase ; LoanCare added another immoral fee themselves. So I called to ask for explanation ; why the difference in paperwork regarding my escrow account, I was disconnected after asking to be put on hold. This is my first experience with LoanCare ; as my loan was recently sold to them. After reading the online reviews at this link " https : XXXX '' ; I ask that this company be exposed immediately! These people are playing with homeowners homes ; ultimately, their lives! Is this what the government has allowed our country to become ; it 's hard working citizens being legally robbed.
Consumer complaint received 2016-05-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

In XXXX of 2015 I went into a chase branch to open an account. My partner ( a male ) also has chase. We XXXX wanted to have the same banks to allow for easier management. When I tried to open a checking and savings account I was told there was an account already opened up under my name. The rep told me if the account was not mine, which is was not I would have to file through their fraud claims process. Here we are now 7 months later, after chase has put me through hundreds of phone calls to them, endless paper work and documents etc. Chase made this process nothing but easy, all the reps that I would work with at their executive office would never call me back. I would have to call daily and follow up on the account. Finally I got confirmation from Chase bank telling me that they approved my fraud claim and was not liable for anything and non of this would effect me. I was last speaking with a man by the name of XXXX and a woman XXXX XXXX. XXXX XXXX knew my situation and told me once the fraud case was approved in my favor I would be able to open an account. Why would I go threw 7 months of phone calls with Chase and letter and constantly following up with them for no outcome? XXXX XXXX told me once the fraud claim was approved that she would reach out to the chase branch and inform them that it was ok for me to open the account. This was about a month ago. Finally after leaving XXXX about a dozen voicemails I never got a call back. So I went to Chase.com and opened the account online. A few days later chase canceled my account. When I called in to Chase executive offices to find out why after they promised they would open they gave me a whole different story. I called to the main number and spoke with a man named XXXX he told me that XXXX was on leave. He told me that I was a risk to the bank and that the bank did not want to do business with me. I said how is this possible? I said Chase put me threw a difficult fraud claim process over 7 months, Chase told me the account was not mine and confirmed it was opened fraudulently. XXXX could not really answer my question, other than to say that It was Chase 's compliance department that would not let me open the account because I am a risk because someone opened up an account under my name. This makes no sense to me! I have been more than pacitent. It is not apparent to me that my initial concerns of Chase trying to discriminate against me as a XXXX male trying to bank at the same bank as my partner are true. How can I be responsible for an account that someone else opened up under my name. Chase is clearly discriminating against me as a XXXX male. Please see attached paper work for the approval letters.If Chase does n't comply with what they promised I have no choice but to turn to social media and let the world know how Chase treats their XXXX customers. I will reach the TV stations, media XXXX etc.