davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-09
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. (GA)

In around XX/XX/2020 i came across my credit report and found several fraudulent accounts, but specifically XXXX XXXX XXXX Account # XXXX i immediately sent out a police report and affidavit seeking to resolve these inaccurate accounts. instead of them being removed they came back as being updated. I realized that several laws were broken according to the FCRA. meanwhile i have been held hostage by this company and the credit bureaus. My score and history is tied to my character and is now being dragged and marred. this further makes it worse especially during this whole covid-19 pandemic.
Consumer complaint received 2022-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

The Federal Trade Commission Bureau of Consumer Protection has received numerous complaints from XXXX XXXX XXXX, DOB : XX/XX/1974. SSN : XXXX in regards to fraudulent credit card accounts, debt collection accounts and an inaccurate public record reappearing on XXXX XXXX XXXX and XXXX credit report. XXXX XXXX has sent XXXX and XXXX countless letters of dispute for the following accounts reappearing on his XXXX, and XXXX credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX Discharged from the U.S. District Court Minnesota Bankruptcy Court, but XXXX and XXXX has failed to take action and remove the fraudulent accounts and public record from XXXX XXXX credit report. The Federal Trade Commission is requesting for the Consumer Financial Protection Bureau to open up an immediate investigation and investigate this matter promptly with XXXX and XXXX, and send a letter of reply to XXXX XXXX on the findings of the investigation. Thank you for your prompt attention and consideration to this matter.
Consumer complaint received 2021-04-06
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: Merchants Credit Bureau, Inc. (GA)

My Name is XXXX XXXX and I'm not a huge fan of credit due to certain belief that I have. But recently I was applying for a mortgage loan on a house and had some take a look at my credit before fully committing. I then inquired some recent and not so recent fraudulent activity on my credit report. Looking through my transUnion I recently found several unauthorized inquiries on my credit report that weren't authorized my myself. And according to the FCRA ( Fair Credit Reporting Act ), Legally these unverified and unauthorized items must be removed! Thank you!!
Consumer complaint received 2021-10-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group (CA)

I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them or their affiliates they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. They dont respond to my disputes and keep verifying this fraud to the credit bureaus.
Consumer complaint received 2020-12-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SYNERGY ONE LENDING, INC. (NM)

I am having a problem with the management of my escrow account. 

Around XX/XX/XXXX, XXXX of XXXX, overwrote my property insurance with an incorrect policy. This has resulted in an incorrect payment being made, an incorrect adjustment to my monthly payment, a proof of insurance request from an outside vendor, and a threatening letter that I am underinsured. 

I called around XX/XX/XXXX, to speak with customer service and alert them to revert back my proper insurance information to avoid incorrect higher payments. I was told the issue would be taken care of. 

I wrote a letter on XX/XX/XXXX, via the secure online portal, following up on the actions taken. 

I called again around XX/XX/XXXX, to follow up. I was told that I was being transferred to a supervisor, but then was hung up on. ( After waiting an hour to be initially connected XXXX Now it has been over a month and I have had no resolution to this issue. I can not get through to customer service and I can not get a call or email back. This issues has cost me time and money, as incorrect higher assessments have been levied toward my mismanged escrow account ( since an incorrect and unnecessary payment was made from my acccount ). 

I need assistance.
Consumer complaint received 2021-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma (NY)

About a week ago, I transferred XXXX dollars out of my credit karma  checking account to my XXXX XXXX XXXX Savings acct. for some reason, the transaction was flagged by XXXX and sent to my linked bank account at XXXX XXXXXXXX XXXX. However, my XXXX XXXX XXXX account had already been closed for some time, and naturally, the money was sent back to credit karma from XXXX  XXXX XXXX as it should have been in the first place. Upon the money reaching my credit karma account, my account was immediately locked and placed under review. I am lodging this complaint towards credit karma in order to get their attention because its almost all the money I had and I can not afford to wait weeks and weeks for them to unlock my account. The full explanation of where that money came from and why is presented above. Credit karma offers no way to contact their specialized review team, therefore I am getting in touch with them by whatever means I have, in this case via the CFPB. Please get back to me credit karma, and please unlock my accountI really need the money. Thank you.
Consumer complaint received 2021-05-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (MS)

I have a loan with Credit Acceptance for an XXXX XXXX  XXXX and the interest rates are extremely high .... By the time I finish paying for the truck I would have paid double, even triple for what the truck is worth ... The car was priced at XXXX Ive had the car for a year and a half and I still owe XXXX on the vehicle.
Consumer complaint received 2021-05-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2018-03-01
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)

Dear Transunion XXXX, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized inquiry had been made on XX/XX/XXXX. 
I contacted XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX  ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, XXXX XXXX
Consumer complaint received 2020-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Love, Beal & Nixon, P.C. (OK)

Want to know why XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, Oklahoma XXXX made 2 Hard Inquiries to Credit Bureaus on XX/XX/2020, and XX/XX/2020, for Employment when I have never applied for Employment with them? Also want to know why they were allowed to make 2 Hard Inquiries in a 1 week period of time making unnecessary Hard Inquiries to my Credit Records.
Consumer complaint received 2021-05-28
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (GA)

Under the law 15 U.S. Code 1666b.Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I hadn't been able to see any statements until recently which means i wasn't aware that there were late payments that XXXX  XXXX XXXX was reporting. The late payment being reported in my credit reports are therefor inaccurate and should be updated to current as soon as possible.
Consumer complaint received 2020-06-02
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. (IL)

While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2021-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (OH)

I made two purchases from XXXX, one was cancelled ( {$150.00}, Refunded XXXX ) and one was refunded ( {$57.00}, Refunded XXXX ) using my US Bank Debit Card. On XX/XX/2021 both of the refunds were taken out of my account by US Bank by a " Forced Post Adjustment ''. There were no disputes for either amounts and no " Provisional Credits '' were credited to my account. Both amounts refunded were theft/fraud/stolen from my account at US Bank by US Bank . For the past two days I have been on the phone with Customer Service and the Fraud Department for around five hours, being transferred from one department to another, back and forth, and have been by a US Bank branch office and only been able to open a dispute that I do not believe will go anywhere with getting my money that US Bank stole from me back into my account. 

Look at the attached documents. I have all of the proof..
Consumer complaint received 2021-04-06
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: NAVY FEDERAL CREDIT UNION (GA)

My Name is XXXX XXXX and I'm not a huge fan of credit due to certain belief that I have. But recently I was applying for a mortgage loan on a house and had some take a look at my credit before fully committing. I then inquired some recent and not so recent fraudulent activity on my credit report. Looking through my transUnion I recently found several unauthorized inquiries on my credit report that weren't authorized my myself. And according to the FCRA ( Fair Credit Reporting Act ), Legally these unverified and unauthorized items must be removed! Thank you!!
Consumer complaint received 2018-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/2018 I was charged XXXX in over draft fees. Furthermore here was a fraudulent charge in the amount of XXXX dollars and XXXX cents. I then again was charged another XXXX dollars for over draft fees on XXXX the XXXX, although there should have been enough funds to have covered the balance for an atm withdrawl. I went into a branch and the representative advised me to get a new card in which I did and at the time the representative advised that I call to dispute the fraudulent transactions but each time that I do, they hang up on me, transfer me to the wrong department Or no one end up picking up the phone. I then went in and tried to go into a branch for a second time to resolve the issue at XXXX located close to my house and they denied me entrance because they had told me they were closed yet, the door showed that they closed at XXXX. Poor customer service and illegal fees is all this bank has done for me. I am requesting for all the fees to be reimbursed immediately and for the fraudulent charge that was done on my previous account to be credited as well.
Consumer complaint received 2021-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion keeps stating that I have accurate which is not so I can't get it off my credit file then why all 3 credit bureaus have a different balance, last activity, original balance, last payment stated so how it can be verified. Why am I bother disputing if they come back with the same result by saying verified? it's the second time, I filed a complaint against Transunion, they keep all non-account inquiries, employment info, and derogatory accounts that I currently don't own anything at all so how do they verify, and how they assume it was mine? can they prove it was mine I keep disputing for more than a year by now? so It seems never resolved. I am trying to get a house this year It seems like they are keeping me away from purchase a new home this year I do have a lot of positive accounts so what are they keep me from becoming excellent. Nobody deserves to be stuck. You can see that I am trying to get that inaccurate information off my credit file. Creditors can lie to bureaus or keep inaccurate so how it can be verified? if an account is sold then it shouldn't be reused or stay on my credit file since both accounts is {$0.00} and you can see the balance is different and dates as other credit bureaus stated.
Consumer complaint received 2021-05-28
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. (NE)

Complaint filed against : Equifax Information Services LLC Unauthorized hard inquiry : XXXX XXXX XXXX 1. On XX/XX/2021, I gave such creditor, XXXX XXXX XXXX, the authorization to run a soft pull on my Equifax credit file. This was shown on my credit file as a hard inquiry and as a result I disputed this with Equifax over the phone. The representative told me to urge XXXX XXXX XXXX to furnish me proof that this was indeed supposed to be a soft inquiry. I was able to get such documentation from XXXX XXXX XXXX, and I sent such documentation to Equifax on XXXX XXXX and Equifax confirmed receipt of such documentation on XXXX XXXX. 
2. On XX/XX/2021, Equifax responded to such dispute via mail notifying me that such hard inquiry will stay on my credit file. Equifax has not provided me with any additional documentation proving that they conducted an investigation into this matter. They have not contacted XXXX XXXX XXXX, nor have they taken the documentation I sent them into consideration.
Consumer complaint received 2021-05-28
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (MS)

Calling family members that were not on the account and constant phone calls to my number harrassing all hours of the day leaving voicemail on relatives phones that they must have searched for them and their numbers
Consumer complaint received 2021-05-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC (WI)

I got a loan for XXXX. I made the first payment. Its a high interest loan. They told me its XXXX dollars a day on the balance i paid three days early. They told me my whole payment went to the interested no money went to the principal i still own XXXX. Its impossible at XXXX dollars a day the interest amount for the month is max is XXXX dollars. I ask why its reported my interest is 9 % and my contract states it 28 % when the max on an auto loan is 23 % they hung up because they couldn't explain nothing to me about my loan.
Consumer complaint received 2021-05-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (PA)

PayPal put my funds on hold for a period of 180 days total of XXXX XXXXPayPal stated funds will be released to me on XX/XX/2021. I understood and acknowledged it. Was fine with waiting but in no way did PayPal say they were going to steal my money, on XXXX XXXX PayPal took all my money and is refusing to give it back. I worked very hard to make the little I have and is extremely unfair a large corporation like PayPal just takes customers money and does nothing to fix the issue. Contacted PayPal numerous times and they refused to let me speak to a higher up management, nothing has been done, they dont care. I am extremely unhappy.
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have reached out to Transunion, XXXX and XXXX regarding all the late payments on my credit report. They keep refusing to do anything about them. I have informed Transunion, XXXX and XXXX that according to law, I am a consumer and the legally can not put these on my credit reports. This is in accordance with the following laws : 15 USC 1681 2 ( i ) : report containing information solely as a transaction experience between the consumer and the person making the report By definition consumer report is ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

This is the definition of person : a human being regarded as an individual. 

This is illegal and Transunion, XXXX and XXXX need to comply with the law.
Consumer complaint received 2021-05-28
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. (NY)

To whom it may concern i have 3 hard inquries from XXXX which are inaccurate and was resolved a while back as i never made these inquiry 's and this was all fraud the following dates are XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX and 1 from XXXX XXXX from XX/XX/XXXX. All of these inquires were never made by me. This is all fraud. I have called these companies a few times to try to resolve this problem. To my understanding of fair credit reporting act and from what they said this should all have been resolved.
Consumer complaint received 2021-10-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MI)

Specialized Loan Servicing is now demanding foreclosure or me to send them an absorbent amount of XXXXThey will not give me the name of the Bank or Loan holder. XXXX XXXX had my mortgage loan and pulled out of the state. Leaving me and lots of other people with a fly by night company. Named Specialized Loan Servicing with a XXXX XXXX XXXX rating of one star. They put me on a corona virus program called a loan deferment program. Which than put us in deeper in debt. The program was utterly useless. So we've requested our payments to be put on the end of the mortgage. They sent us a request form for our pay stubs on Thursday than on Friday sent me & told me they are starting foreclosure. Than Saturday sent me a new drive by appraisal. They would not give the name of the Bank or Loan holder. They offered us to put the deferred payments on the end of the loan. And than took that offer totally away before we sent them any pay stubs and a letter to review. Yet said they reviewed it which they did not have yet to review whatsoever. Any help to have our payments put on the end would be much appreciated! Thank You! Signed : XXXX XXXX
Consumer complaint received 2021-05-28
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. (NY)

To whom it may concern i have 3 hard inquries from sync which are inaccurate and was resolved a while back as i never made these inquiry 's and this was all fraud the following dates are XXXX  Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX and 1 from XXXX XXXX from XX/XX/XXXX. All of these inquires were never made by me. This is all fraud. I have called these companies a few times to try to resolve this problem. To my understanding of fair credit reporting act and from what they said this should all have been resolved.