davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Unauthorized Hard Inquiries on my credit report Improper use of my credit report According to 15 USC 1681b XXXXXXXX XXXX XXXX ( Bank ) XXXX XXXX, 2024 XXXX  XXXX ( Bank ) XXXX XXXX, 2024
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX XXXXXXXX XXXX has solid my information on an old account from year XXXX that I personally closed myself in XXXX and they are improperly reporting negativity ( {$73.00} ) to my credit report which is not fair to my consumer report it is incrimination of my character an holding me back from opportunity I would like it deleted expeditiously, thank you
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (AL)

From XXXX until present Ive been making payments more than the monthly payment and Im being charged late fees and reported delinquent on my credit and Ive never missed a payment and not even due being that Im paid up for months with Conns Home furnishing. Ive made over 20 attempts with the company which admitted to this issue and said it would be escalated for issue to be fixed. It is still not. I have supporting documentation to prove this.
Consumer complaint received 2020-05-31
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. (VA)

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.
Consumer complaint received 2018-01-13
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: EQUIFAX, INC. (FL)

I 've contacted Equifax, XXXX, XXXX, & Creditors listed below regarding credit inquiries on my credit report that I do not approve. However, I 've contacted Equifax, XXXX, XXXX & All Creditors onXX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX via mail, fax, certified mail, & phone. I also mailed out certified letters to all companies.No actions were taken. 

HARD INQUIRIES DATES XXXX XXXXlXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX Off Lease Only XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (ID)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, XXXX XXXXXXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting Act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (DE)

Right now, they say that I'm back on my escrow account. but in XXXX  I owed about {$1000.00} Dollars that was payed off that year, the next year my mortgage payments went back up again saying that I owed back money on my escrow account again for over XXXX dollars. And my mortgage went back up again. this year saying that I'm back in my escrow. They take money out every month.
Consumer complaint received 2024-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (NJ)

Dear Sir/madam : On XX/XX/2024, XXXX XXXX refund my purchase in the amount of {$190.00} to my M7T Bank account ( see attached ). Unfortunately, M & T Bank refuses to place or show the funds in my checking account. I sent M & T Bank a message via there online portal and they acknowledged receipt of my email. 

I called M & T Bank located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) XXXX to speak to associate XXXX XXXX XXXX XXXX and XXXX. XXXX XXXX stated that he would call me backwhen I called him the first time. Since a hour had past, I decided to call XXXX XXXX back again and I was advised by a XXXX employee that XXXX XXXX was with a client and that he would call me back. He NEVER DID! 

I then sent XXXX XXXX a email ( see attached ) and unfortunately, he never responded. I would like to know, WHY is M & T Bank holding my funds hostage so that I can not use them?
Consumer complaint received 2023-09-29
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: SYNCHRONY FINANCIAL (ID)

I have repeatedly received emails from XXXX XXXX, otherwise known as Synchrony Bank, for the past year. These monthly emails request that I pay back a loan I took out to get XXXX. I have been, and still am more than willing to pay this loan, but their website is non-functional and their phone number is a dead end. I have exchanged emails back and forth, and they continuously tell me to pay online, and day after day I keep checking their website to no avail. As a result, my credit score has been tanking, and it feels like my entire life is crashing down around me, completely out of my control. Months ago, I had repeatedly set up automatic payments, which they cancel without telling me. Rather infuriating.
Consumer complaint received 2020-05-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX i openedd a new checking account online with Chase Bank with {$300.00} bonus included. On XX/XX/XXXX i received the Debit Card and i activated immediately. The next day i called Chase Bank, because i had a question for the {$300.00} bonus. Their Hostile representative told me that my checking account as been closed without giving me any explanation, plus she put me on hold for 30 minutes on purpose as a punishment. My Report with XXXX, XXXX, XXXX, XXXX  is clean & my SCORE is over 700. Chase Bank proved again that is a Criminal Enterprise , XXXX & Discriminatory Company. Chase Bank should haven't been in business as well as most Banks/Mafia, especially after XXXX. But the XXXX American Government Bailed them out with taxpayer 's money which they never paid back. Even their Bribes to XXXX Politicians was taxpayer 's money. And since XXXX the same Banks are Defrauding consumers & Discriminate against them, as it happened against me now & few years ago by Chase Bank. I don't know if i can expect any positive outcome from CFPB, since it is a Department of the Government that receives Bribes from Banks annually???
Consumer complaint received 2016-09-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (TX)

Deutsche Bank XXXX home loans, after repeated attempts to ask for a home loan modification due to high mortgage rate the bank kept refusing me. I submitted proof of hardships in ever occasion. My loan was bought by Deutsche Bank XXXX Mortgage from XXXX XXXX in XXXX. I lost my job and my income was reduced by over XXXX yearly. Todate this company has failed ot accomodate my hardship. I have owned my home since XXXX. I have been paying Deutsche Bank XXXX mortage the high rates of 9.75 %. I have filed for backrupcy to protect my home. I want lower rate and rembercment for years since first hardship sent XXXX.
Consumer complaint received 2020-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Capio Partners, LLC (GA)

Around the beginning of XXXX, I checked my credit report and the item being disputed had been removed from my XXXX  credit report but has reappeared with a new creditor listed. The original creditor was XXXX XXXX XXXX XXXX XXXX in the amount of {$510.00}. The new creditor is ASSETCARELLC/CAPIOPART. I called the new creditor and was told that the original account had been opened with XXXX XXXX XXXX XXXX  XXXX  in XXXX. However, because it had been completed removed from my account, it should not have been reopened and processed with the date XX/XX/XXXX as if it was a relatively new account.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am submitting a formal complaint against TransUnion for their failure to respond to dispute letters that I mailed on XX/XX/XXXX, and XX/XX/XXXX. In these letters, I requested investigations into inaccurate items on my credit report, including entries for XXXX XXXX XXXX IL XXXX XXXX, XXXX XXXX - XX/XX/XXXX inquiry, and XXXX XXXX - XX/XX/XXXX inquiry. Additionally, I disputed incorrect names and addresses listed on my credit report. 

To assist TransUnion in verifying my identity and address, I diligently included copies of my photo ID, social security card, and a recent bill with my current address. 

Regrettably, I received a response from TransUnion, dated XX/XX/XXXX, indicating that they were unable to process my request because it did not appear to have been sent directly by me or an authorized third party. Despite sending an additional dispute letter on XX/XX/XXXX, I did not receive any response from TransUnion. 

According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to conduct a reasonable reinvestigation when the completeness or accuracy of any information is disputed by the consumer. It is evident that TransUnion has failed to fulfill this obligation, thereby violating my consumer rights. 

Enclosed with this complaint are copies of the dispute letters I sent to TransUnion, along with their response and proof of mailing, serving as evidence of my attempt to address inaccuracies in my credit report and TransUnion 's failure to conduct a proper investigation.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2024-01-16
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. (TX)

i reviewed my consumer reports and noticed that i had one late payment on the account that i was never late for. the consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with the maximum accuracy. i have never been late on payments for the account that i have included screenshot inside this complain in on dates of ( mm/yr ) please investigate and provide proof with statement showing that these payments were late. if proof can't be provided i demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot as attached
Consumer complaint received 2023-08-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Optimum Outcomes, Inc. (WI)

I am being double billed for my XXXX XXXX XXXX deductible. 

Originally, I paid the 2023 deductible of {$220.00} when XXXX XXXX were dispensed to me on XX/XX/2023. Paid via a credit card. 

I am now being billed again for the XXXX XXXX XXXX deductible for clinic/doctor services provided through the clinic. 

I have had 11 phone conversations with patient financial services from XX/XX/XXXX through XX/XX/2023. Additionally I have sent written communication via USPS three times in XX/XX/2023.
Consumer complaint received 2020-05-30
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (LA)

okay first things first.. I XXXX XXXX have applied for my unemployment COVID-19 BENIFITS ON THE XX/XX/XXXX OF THIS MONTH ALSO, I DID MY CLAIM FOR THE FOLLOWING WEEK GUESS IT DIDNT GO THRU OR ME NOT SUBMITTING THE CLAIM AFTER ALL WAS DONE ... .. I WAS DISCHARGED FROM XXXX LA XXXX HOSPITAL ON FRIDAY XX/XX/2020 AT XXXX ... MY STAY THERE WAS 4 DAYS ... MY PHONE HAS BEEN DISCONNECTED SO I DONT HAVE ACCEST TO A PHONE ALL THE TIME ... .. ALSO I REQUESTED A PREPAID GOVERMENT CARD AND STILL HAVENT RECIEVED IT .... I DONT KNOW WHY I AM DISQUILIFIED FOR BENIFITS ... I HAVE BEEN APPLING FOR JOBS AND ALSO IM IN NEED OF MY BIRTHDAY CERTIFICE SOCIAL SECERITY AND MY PERSONAL IDEFICATION CARD ( ID ) .... PLEASE TO WHOM THIS CONSERNES I AM ALMOST HOMELESS WITH NO WHERE TO GO AND IN NEED FOR MY BENIFITS ... ..
Consumer complaint received 2024-01-15
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. (MS)

THIS IS NOT AN ATTEMPT TO VERIFY ACCOUNTS ON MY CREDIT REPORT. 

The following accounts are charge offs. A charge off is considered a certificate of indebtedness, which means it is income so it must be removed from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please have all accounts removed from my consumer credit report According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' I have not given financial institution written instructions to report these account on my credit report.

Last but not least these credit reporting agencies are violating the Privacy act of XXXX  ( 5 U.S. Code 552a ).

This act states that no agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

Please force all 3 reporting agencies to delete all of the above accounts immediately.
Consumer complaint received 2019-05-28
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. (KY)

There are several items being incorrectly reported on my credit report, related to inquiries that I do not recognize. I have contacted the companies directly, and have been told that they are unable to assist. Not only are the inquiries unfamiliar, they are inconsistent. Please see a list below : 1. XXXX XXXX/ XXXX XX/XX/XXXX 2.  XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4.  XXXX XX/XX/XXXX 5. XXXX/ XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX
Consumer complaint received 2017-10-11
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: EQUIFAX, INC. (NJ)

I was on XXXX and successfully obtained my XXXX  and XXXX reports but the EQUIFAX report resulted in an error and returned me to the XXXX web page which " assumed '' I obtained the report and would n't let me try again. 

Given all of the media attention around the Equifax data breach, I must obtain a copy. Please help.
Consumer complaint received 2024-01-16
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2021-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LOBEL FINANCIAL CORPORATION (NV)

this company is furnishing false information on my consumer report. I have reached out this company many times about this fraudulent information. All they have said is that the account was verified which is impossible this car was never taken from me an the balance was paid in full.
Consumer complaint received 2020-07-02
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: EQUIFAX, INC. (AR)

I HAVE SEVERAL ITEMS ON MY CREDIT REPORT THAT ARE NOT MINE. I NOTICED IT BCAUSE I RECENTLY APPLIED FOR A CREDIT CARD AND I WASNT APPROVED SO IT PROMT ME TO CHECK MY CREDIT REPORT. THESE ITEMS LISTED ARE NOT MINE AN DNED TO BE DELETED FROM MY CREDIT REPORT. XXXX  XXXX {$850.00} XXXX  XXXX {$490.00}
Consumer complaint received 2024-01-15
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. (NJ)

NOTICE OF ILLEGAL CREDIT INQUIRIES PERFORMED BY XXXX XXXX  AND EXPERIAN ATTN : XXXX  XXXX  AND EXPERIAN XXXX XXXX  performed two illegal credit inquiries on my credit file with Experian between XX/XX/year> and XX/XX/year>. I never gave XXXX XXXX  permission at any time whether oral, written or non verbal to check my credit at any moment without my knowledge or consent. Experian I did not give you permission to let XXXX XXXX check my credit without my written knowledge or consent. In summary the Fair Credit Reporting Act lists only four permissible purposes for pulling a consumer 's credit report : a firm offer of credit, insurance, an application for employment or a court order. I have attached a copy of the Fair Credit Reporting Act for your convenience. There is nothing in the Fair Credit Reporting Act that gives permission for creditors to perform illegal credit checks under the guise of an " account review. '' In addition this " account review '' was performed by XXXX XXXX  as retaliation for a previous complaint involving an illegal credit check. Using the attached Fair Credit Reporting Act, I am requesting both XXXX XXXX and Experian state which section allows credit checks to be performed without written consent of the consumer. According to 15 USC 1681b ( 2 ) - permissible purposes of consumer reports : ( A ) IN GENERAL SUBJECT TO SUBSECTION ( C ), ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I am requesting proof that the two illegal inquiries fell under the four permissible categories. I am further exercising my legal right to ask for verification. I am requesting the names and titles of the persons who pulled my credit, the dates they purport that I gave written permission ; and the method they purport that I gave permission. Please provide documentation of said permission. 
In addition Experian, I placed a temporary credit freeze on my Experian file as I am disputing various inaccuracies. The credit file should not have been released unless I lifted the freeze. 
I am attaching letters from XXXX  confirming the illegal credit inquiries. These illegal credit inquiries show inaccurate accounts that Experian knows are inaccurate. These illegal inquiries also resulted in adverse actions including the 95 % reduction of the credit limit on a XXXX XXXX XXXXXXXX account that had a XXXX balance for XXXX years and a {$13000.00} credit limit. The credit limit on the XXXX XXXX  credit card had an approximate credit reduction of 75 %.