davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (MD)

SEND A LOAN MODIFICATION AGREEMENT. 
THEM APPLICATION WAS EMAILED AND TWO TIMES WITHIN THE LAST 7 DAYS. 
THEY SAY THEY DID NOT RECIEVE IT. 
THE FORECLOSURE DATE IS XX/XX/2022. 
THEY DOING DUAL TRACKING
Consumer complaint received 2023-05-24
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. (FL)

XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT. BELOW ARE THE ACCOUNTS AND INQUIRIES " XXXX XXXX XXXX. Address : XXXX XXXX XXXX XXXX XXXX WA, XXXX. Date opened : XXXX. Balance : {$8900.00} Inquiries : XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX ( Bank ) Date Opened : XX/XX/XXXX XXXX XXXX ( Bank ) Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX ''
Consumer complaint received 2021-05-20
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bridgecrest Acceptance Corporation (TX)

A collection company by the name of Bridgecrest have taken over a car loan that was bought at a company name drive time, at the time the loan was taken I was serving overseas in the military, apparently my son who went to purchase a car basically thought it was ok and used my documents together with his mom to purchase the car, the report since then have fallen of his credit, under no circumstance I should be responsible for something I have no knowledge about or was in the environment at the time it happened, Im asking that everything be done to assist me in having them delete that from my credit
Consumer complaint received 2024-01-22
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: Experian Information Solutions Inc. (TX)

Despite previous notifications and attempts to rectify the situation, XXXX has failed to conduct a proper investigation and continues to report the account XXXX XXXX XXXX XXXX inaccurately. On XX/XX/XXXX, I sent a letter to Experian detailing the specific errors associated with the account in question, which involves the collection agency XXXX XXXX. I provided evidence highlighting the inaccuracies, and I expected a thorough investigation and prompt correction in accordance with the Fair Credit Reporting Act ( FCRA ). XXXX has since removed this account. To my dismay, Experian has neglected to remove the inaccuracies from my credit report, demonstrating a clear violation of FCRA regulations. Furthermore, this debt is uncollectible. The statute of limitations in the state of Texas is 4 years. This account was opened in XXXX. It is now XXXX. The continued reporting of unverified information not only damages my creditworthiness but also constitutes defamation of character. Given the persistent non-compliance with FCRA guidelines, I must inform you that I am left with no recourse but to pursue legal action against XXXX to seek relief, damages, and corrective measures. I urge Experian to address this matter promptly and rectify the inaccuracies on my credit report within 14 days. Failure to do so will leave me with no option but to initiate legal proceedings. I have documented our communications and the specific instances of non-compliance, which will be presented as evidence in any legal proceedings. It is my sincere hope that Experian will take immediate action to rectify this situation and prevent the need for further legal action. I have attached the dispute letter, which is dated, and time stamped as well as the credit report with clear inaccuracies such as the date last active and the XXXX payment history.
Consumer complaint received 2022-11-22
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: JPMORGAN CHASE & CO. (IL)

On XX/XX/2022, I called Chase Bank about a credit limit increase on my business credit card. The agent said that there was no hard pull on my XXXX and XXXX reports. I asked again " are you sure there is no hard inquiry? '' He confirmed and repeated that there would not be a hard inquiry. I proceeded with the application based on that information. A hard pull showed up on my credit immediately. I filed a case with Chase bank and after investigation, they confirmed that I was given misinformation but said they would not remove the inquiries. 

I also called XXXX, but they said that Chase bank would have to send a letter to have the inquiry removed.
Consumer complaint received 2022-07-15
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)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-11-22
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: Cascade CISS Holdings, LLC (AL)

Made inquiry for loan with XXXXXXXX XXXX XXXXXXXX, AL. Specifically request that I am not shopped around and only request financing from XXXX direct. The hungry salesman disregarded my request making multiple outside request, as well as duplicate request with the same company on different dates fraudulently, without my knowledge, verbal authorization or written consent.To add, there are duplicate inquiries within a 24 hour periods for the same funding agencies. 

Thank you,
Consumer complaint received 2022-07-15
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. (MI)

To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my XXXX, XXXX, and Transunion credit reports. My latest credit report shows XXXX  credit inquires that I did not authorize. 
unauthorized Inquires from : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-15
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)

This is my eight endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$650.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}, XXXX XXXX XXXX Date Opened : XXXX Balance : {$1400.00}, and XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance {$120.00}.
Consumer complaint received 2022-07-15
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. (MI)

To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my Equifax, XXXX, and XXXX credit reports. My latest credit report shows XXXX credit inquires that I did not authorize. 
unauthorized Inquires from : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-29
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. (MO)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-11-21
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. (IL)

On XX/XX/2022, I called XXXX XXXX  about a credit limit increase on my business credit card. The agent said that there was no hard pull on my XXXX and Experian reports. I asked again " are you sure there is no hard inquiry? '' He confirmed and repeated that there would not be a hard inquiry. I proceeded with the application based on that information. A hard pull showed up on my credit immediately. I filed a case with XXXX XXXX  and after investigation, they confirmed that I was given misinformation but said they would not remove the inquiries. 

I also called Experian, but they said that XXXXXXXX XXXX  would have to send a letter to have the inquiry removed.
Consumer complaint received 2023-05-28
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. (TX)

On XX/XX/2023, I reviewed my credit report from Equifax, XXXX and XXXX and noticed several accounts and inquiries that I did not recognize or authorize. I believe I am a victim of identity theft, and these accounts and inquiries are fraudulent. 

Attached are copies of my credit report highlighting the accounts and inquiries in question, a copy of my identity theft report, a copy of my FTC Identity Theft Affidavit, and proof of my identity. 

I request that Equifax, XXXX and XXXX investigate these matters promptly and remove these fraudulent accounts and inquiries from my credit report.
Consumer complaint received 2023-05-23
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

I am a victim of identity theft and I have noticed some unauthorized inquires unverified and unauthorized items must be removed. I have listed the items I would like to dispute below.The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THIS IS DEFAMATION OF MY CHARACTER AND I WOULD LIKE ALL UNAUTHORIZED ADDRESSES AND INQUIRES REMOVED FROM CREDIT FILE. ACCORDING TO 14 U.S.C. 1681 g ( a ) ( 5 ) A CONSUMER REPORTING AGENCY SHALL NOT FURNISH TO ANY PERSON A RECORD OF INQUIRIES IN CONNECTION WITH A CREDIT OR INSURANCE TRANSACTION THAT IS NOT INITIATED BY A CONSUMER. Under section 604 of the Fair Credit Reporting Act ( FCRA ) explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request. The Bureau notes that disclaimers will not cure a failure to have a reason to believe that a user has a permissible purpose for a consumer report provided pursuant to FCRA section 604 ( a ) ( 3 ). This advisory opinion also reminds consumer report users that FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose.
Consumer complaint received 2024-04-29
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (TX)

Good Morning, I purchased a Vanilla Visa Gift Card on XXXX XXXX, 2024 in the amount of {$250.00} for a Valentines Gift for my wife. I purchased it at the Dollar Tree at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Store # XXXX ). I gifted my wife with this gift card that evening. The following day she attempted to purchase some charms for her bracelet from XXXX XXXX. After several unsuccessful attempts of purchasing it with the card and speaking to a XXXX representative, she called Vanilla Visa. They informed her that fraudulent activity had occurred on the card and as a result all {$250.00} funds were depleted. Thus, Vanilla Visa informed her that they would replace the card with the value of {$250.00} by sending in mail. Stated it would be XXXX business days. After XXXX weeks of the card not being delivered, I called and spoke to XXXX. He assured me it was on the way. After XXXX more weeks I called and spoke to XXXX. He verified names and our address and assured me again it was on the way. After over a month of not receiving card, I called and spoke to XXXX who stated the same thing. I asked for mailing tracking information, but they would not provide. Therefore, I am soliciting your help being that it has been over XXXX months. Thanks in advance for your help! By the way, I did also go to the XXXX XXXX and speak to them he XXXX who said I would have to call XXXX XXXX.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I had a recebt complaint with CRB concerning my car payment to XXXX XXXX. I spoke XXXX XXXX XX/XX/XXXX about this mishap. Its showing i owe money towards my XXXX bill. which should not be there.It shows im XXXX past due. IM NOT OVERDUE. As you can see it says next payment is due XXXXXX/XX/XXXX. It should show my payment that's due for this month.When i ask sup XXXX XXXX on a recorded call why is it.showing a payment due for XXXX he said " He doesn't know and he will get back '' THIS NEEDS TO BE FIXED IMMEDIATELY!! INCORRECT INFO IS BEING REPORTED TOTHE BEAURUS
Consumer complaint received 2023-05-25
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found out that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which are being posted in my report. 

Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} ; XXXX XXXX ; XXXX Balance : {$5900.00} ; XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX  XXXX Balance : {$1800.00} ; XXXX XXXX XXXX Balance : {$1200.00} ; XXXX. XXXX, XXXX XXXX Balance : {$540.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX, XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX : {$2900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$25000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$23000.00} ; XXXX XXXX  XXXX Balance : {$5900.00} ; XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX  XXXX Balance : {$1800.00} ; XXXX  XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} ; XXXX XXXX XXXX Balance : {$5900.00} ; XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX  XXXX XXXX XXXX XXXX : {$1700.00} ; XXXX  XXXX XXXX XXXX XXXX : {$1200.00} ; XXXX XXXX XXXX XXXX Balance : {$540.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove inaccurate items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-01-22
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: Experian Information Solutions Inc. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-01-22
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: Experian Information Solutions Inc. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2023-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (AZ)

Several months ago I made a payment from my checking account to my credit card for {$200.00}. The bank did not automatically transfer the funds from the checking account, instead made a check for that amount and that amount has been floating around now several months. The local branch stopped payment of the {$200.00}, but it still shows in red on my account with a minus. 
Today I paid over from my checking account to my credit card, leaving a balance of {$130.00}, now I have red all over my my checking account saying I am in 'DANGER '' and overdrawn. 
They never credited the {$200.00} back to my checking accuont and the local bank is not doing anything so solve it. I want my {$200.00} back in my checking account. 
There should not be a minus {$200.00} on the side of my account. I should have the {$200.00} backas cash! 
This is very fruustrating. 
Thank you
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. ()

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXX  Balance : {$360.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$170.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.