davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion, XXXX, and XXXX have furnished my consumer report to multiple persons without my express written consent as provided insection 1681g ( a ) ( 5 ) -aconsumer reporting agencyshall not furnish to anypersonarecordof inquiries in connection with acreditor insurance transaction that is not initiated by aconsumer. 



XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Sales Financing : XX/XX/XXXX XXXX XXXX Bank : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX AF - XX/XX/XXXX XXXX  XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Auto Dealers, New XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion US SM BUS ADMIN ODA Federal XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX
Consumer complaint received 2017-07-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (GA)

I applied for an auto loan at XXXX to purchase a vehicle and received financing from Santander Consumer USA for a loan amount of XXXX. I put down {$800.00} and traded in a XXXX XXXX XXXX that was worth {$6400.00}. I was only given $ XXXX for the trade in value that was used to pay off a title loan at 17 %. XXXX issued financing from Santander Consumer USA at the rate of 26 % for 73 months. The salesman stated the rate is not negotiable. I could not speak with Santander Consumer USA. I believe there were incentives to the dealership for this exorbitant interest. I have made 15 payments since XX/XX/XXXX and the loan amount is {$19000.00}. I believe ECOA was violated. I was unfairly treated when issued this higher interest rate. I was discriminated against because of my sex and race.
Consumer complaint received 2018-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

To whom it may concern, I try to access a free credit report through this website that advertise that I would be able to obtain my credit score without any cost : XXXX I feel that the credit reporting agencies deceive the user in that once you submit your information and then click to see the credit score Im prompted by their system in that I must pay in order to purchase my free report? I feel this is very unfair and is deceiving. 

Furthermore, the site is so complex and unclear that it is not possible to view the simple task of showing the credit score. 

Thank you for your help! 

XXXX XXXX
Consumer complaint received 2019-10-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XX/XX/2019, I recieved an automated phone call, which was then answered by a representative of XXXX XXXX XXXX. I've been recieving and responding to these phone calls for the past month or so. Explaining to XXXX that I intend to resolve the debt. The representative I spoke with today at approximately XXXX XXXX, mountain time, seems more concerned with why the debt defaulted in the first place. I explained the debt was at least 2-3 years old, and was ready to reach an agreement with them. He continued to insist that I explain why the debt became delinquent. Which, in the case of such an old debt, is immaterial. I made every effort to communicate my intentions of resolving the debt, to no avail. I also asked the representative for his callback number, in case I needed to reach him again, he did not refuse to provide it, however he did not give it to me. Thank you
Consumer complaint received 2018-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (GA)

A short while after opening the XXXX account, I called ( unfortunately I didn't write down the female 's name or the date ). I did not understand how the payments posted if you have delayed interest along with regular purchases, so I called for an explanation so I would not have to pay the interest in the special financing purchase.. What I was told after calling on XX/XX/28 and speaking with XXXX regarding the interest of {$350.00} posting to the account and what I was told previously did not match. I know that some representatives explain information different/incorrectly at times, but if they sound confident, like the representative I spoke with on the first call, I usually don't make a second call to verify information.
Consumer complaint received 2017-07-09
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. (CA)

There are 10 credit inquiries on my Experian credit report. I did NOT make these at all. I checked the report in the last 2 months and these " Hard Credit Inquiries '' were NOT there. Also a car dealer ran my credit 3 separate times and did Not inform me.
Consumer complaint received 2017-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

It unlawful to discriminate against anyone who has exercised any rights under the Consumer Credit Protection Act.Yet, directly after exercising my rights, filing a complaint with the CFPB USAA first limited my account access to all my accounts with no explanation, then froze my available credit only to finally close the majority of my accounts. The accounts they did not close, they have refused to grant me online access as well as refusing to mail me statements. Thus I do n't have any way of knowing what and when to pay. Their explanation for refusing to send statements to my remaining accounts was that I agreed to receive documents online thus they are unable to send statements. Yet it was they themselves who are preventing me from viewing the statements online. In addition they also began reporting negative information despite the accounts being in dispute. <P/>This was all done shortly after I filed a complaint with the CFPB in regards to their reversal of a finalized billing dispute a year prior, as well as their refusal to provide any documentation.
Consumer complaint received 2022-09-09
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Equifax requesting that they correct this erroneous account being reported on my Credit File because they have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue them for their willful non-compliance of the FCRA statute. Only if Equifax chose to update and correct the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be corrected is : XXXX  XXXX Date Opened : XX/XX/XXXX Balance : $ XXXXLate/Open Late Dates XXXX
Consumer complaint received 2021-09-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC (AL)

SEQUIUM ASSET SOLUTIONS , LLC has fraduently put a alert on my credit. I don't know who this company is nor have I ever spoken with them or received mail correspodence as required by law. 

The debt in question is for {$7600.00} and was placed on XXXX XXXX. After contacting and getting multiple hangups as the company does this to most customers. This company has a history of XXXX, after a quick internet search and reading XXXX reviews and seeing the XXXX XXXXow rating this company has. I have had to activate my XXXX insurance and lock my credit due to this XXXX company. This company is a high XXXX  company and needs to be shut down by the Federal government
Consumer complaint received 2018-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I have been at the same residence 25 yrs. After my card was declined with no notice When I questioned t what happened. I was told more than one story and was told to submit 4 types of I'd. Their agent told me I could cancel the card but could but she could not tell me about the questionable activity and advised to leave the account open. If you don't know someone's I'd. How can you allow them to cancel an account? After years with Capital One I believe their customers are at high risk.
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (TX)

Student Loans Report differently on all 3 bureaus Dept Ed/ Aidvantage. 

XXXX {$35000.00} XXXX {$30000.00} XXXX {$35000.00} FCRA 15 usc 1681b ( a ) ( 2 ) - No Permisible purpose I never gave XXXX, XXXX, or XXXX written consent to furnish anything on my report. 

15 usc 1681a -Rules of construction
Consumer complaint received 2017-07-09
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. (LA)

On X/X/17 I disputed an account that is reporting as a collection with Equifax for XXXX XXXX XXXX. The account came as verified and updated but had they verified the account the few times I have tried to dispute they would have seen that XXXX XXXX XXXX owes me {$100.00} for a deposit they kept of mine. That I now have to go through the treasurer of my state to collect. I am requesting that the negative listing be removed from my credit report.
Consumer complaint received 2018-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (UT)

There is a medical bill that is fraud on my credit! I reported it to police and submitted all reports to all credit bureaus. equifax has not removed it! XXXX and XXXX have already removed it. its XXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-28
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. (GA)

I submitted 4 dispute requests,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX in regards to tax liens on my credit report. Under the new law effective XX/XX/XXXX any public record data must include name, address, SSN and DOB in order for it o appear on your credit file. The credit bureau does not have the verifiable information and the Tax liens should be deleted from my credit report.
Consumer complaint received 2019-10-29
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: FIFTH THIRD FINANCIAL CORPORATION (NC)

As I see from the XXXX, Inquiry from XX/XX/2019 by XXXX XXXX XXXX XXXX - made 6 hard enquies on the same day without my notice. I request to take action/ investigate and remove the Hard inquires from my account.

Below are the INQUIRIES made : 1. XXXX XXXX - XXXX XXXX ( Inquiry from XX/XX/2019 ) 2. Fifth Third Bank - XXXX XXXX ( Inquiry from XX/XX/2019 ) 3. XXXX XXXX XXXX - XXXX XXXX ( Inquiry from XX/XX/2019 ) 4. XXXX XXXX XXXX XXXX - XXXX XXXX, New ( Inquiry from XX/XX/2019 ) 5. XXXX XXXX XXXX XXXX - XXXX XXXX ( Inquiry from XX/XX/2019 ) 6. XXXX XXXX XXXX - XXXX XXXX ( Inquiry from XX/XX/2019 )
Consumer complaint received 2017-04-26
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (FL)

I have several accounts which are still reporting late payments when i always qualified for deferments or forbearances and can show i was receiving public assistance during those times and account should not be showing late payments, and i see duplicate accounts being reported more than once! Accounts been transfered and closed a long time ago but still reporting
Consumer complaint received 2018-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TAMMAC HOLDINGS CORP (PA)

We entered in to a mobile home contract with Tammac Holdings in XXXX. Declared bankruptcy XXXX. No payments were made from XXXX forward. Bankrupty case was dismissed in late XXXX. Tammac has re aged the account and continues to report incorrect information including the Date of First Deliquency which allows this negative to remain on our credit reports until XXXX. 
We have disputed as Obsolete with the CRAs and sent proof to all XXXX, XXXX  and XXXX. XXXX deleted this account from its Tradeline, however XXXX and XXXX allowed Tammac to respond with " Verified '' and did n't even consider the proof sent. My wife is currently disputing with XXXX again as Incorrect Information with the exact same information. We have previous credit reports, some dating from XXXX, that show different dates, amounts and statuses.
Consumer complaint received 2022-09-09
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. (AR)

I am a natural and living human being. I have rights under 15usc 1681. 
Experian is governed by 15 usc and has violated my rights as an consumer numerous time. I demand the following account ( s ) are deleted immediately! 

XXXX XXXX XXXX - account number XXXX XXXX XXXX- account number XXXX 15 u.s.c 1681 section 602 ( a ) States i have a right to privacy. 
Section 604 ( a ) section 2 States a consumer reporting agency can not furnish a account without my written permission!
Consumer complaint received 2021-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
Consumer complaint received 2021-09-09
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: EQUIFAX, INC. (GA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2017-11-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Just notified on XXXX XXXX, 2017 that the company, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX ran a hard credit inquiry. 

I did not authorize it. 

I cancelled their contract over 4 years ago and have no intention of using them ever again. 

I believe they are trying to find a way to charge one of my credit accounts. 

I want that inquiry removed from my credit report immediately.
Consumer complaint received 2021-09-09
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. (TN)

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big XXXX  on my life.
Consumer complaint received 2019-10-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP (CA)

An account was opened with US bank on XX/XX/2019 without my knowledge and fraudulently opened under my name. I have tried several times to explain to US bank that i did not opened that account but US bank keep trying to collect a overdrawn charges on that account even thoe that account was closed with my complain.why should i pay for the crime that i did not commit.please help me to resolve this problem.thank u.
Consumer complaint received 2017-04-26
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. (OH)

I submitted a dispute twice to correct a state lien that was incorrectly reporting on my file. Both came back as substantiated. I contacted Equifax multiple times by phone escalating to the consumer affairs department each call. Each time I stated the issue and received false and illegal information from each representative I contacted. I then went to the state verified the inadequacy of the lien, which both were removed. I contacted  XXXX   XXXX  which updated their file and their new information did not include these liens. I forwarded this report provided to me to Equifax to reinvestigate the dispute. I was misled numerous times that they are verifying the information directly from the court. I was misled because they told me that they had to wait for  XXXX   XXXX  to verify my claim to their report. I was misled because I was told that Equifax was not able to access  XXXX   XXXX  files on demand. I was misled because I was told that they had 30 days to complete the reinvestigation after documents were provided.  XXXX  refused to furnish me the correct agency 's information used to verify this debt in their investigation process upon request of myself.   I have been harmed tremendously personally by their unethical and illegal business practices. It has effected my life in many ways but recently it has effected a home purchase, which they were made aware of numerous times during my communications with them.   They have verified this debt as accurate. Their only means of verifying this public record is by using  XXXX   XXXX  reports.  XXXX   XXXX  shows these liens do not exist in the report I provided Equifax upon initiating the reinvestigation and they are absent from  XXXX   XXXX  records after the completion of Equifax 's resolution to my dispute as well.
Consumer complaint received 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NC)

On XXXX, XXXX, 2020 I attempted to unfreeze my credit report with Experian as I am initiating refinancing of my primary residence. I started online as I had previously set up log-in credentials and received a 10-digit PIN. I entered my information and answered several questions to verify my identity. I selected the option to unfreeze my account, entered dates for the temporary unfreeze. Upon pressing enter, I recieved a message that read : We were unable to honor your request to temporarily remove your security freeze based on the information you entered. 
Sending us your information To temporarily remove your security freeze, please mail us this letter ( or the information in it ), along with one copy of a government issued identification card, such as a drivers license, state ID card, etc., one copy of a utility bill, bank or insurance statement, etc., and a copy of your Social Security card or another document that displays your Social Security number. Make sure  that each copy is legible, displays your name and current mailing address, and the date of issue ( statement dates must be recent ). To protect your personal identification information, Experian does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. We will validate your information and remove your security freeze for the timeframe you request. 

I then called Experian and after going through their prompts to establish my identify and verify my identity, I selected the option to unfreeze my account and received the same message as above via automated voice. I attempted to reach an operator and was disconnected. I called back in an attempt to reach a human and there is NO OPTION TO REACH A HUMAN. 

Later that evening, I was sent an email to finish setting up my account. I went through the steps, was able to view my credit report while being constantly bombarded by options to purchase other services but at no point could I unfreeze my credit. 

I need my credit unlocked today to proceed with my mortgage refinancing. I can not wait weeks to get this request processed by mail. I think it is unrcontionable that a company can hold this much power and the consumer has absolutely no recourse -- - all in the name of consumer protection.