davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FinCo Services Inc DBA Current (IL)

On XX/XX/XXXX, an identity theft happened to me. The attacker pretended to be me and requested an esim, which XXXX my access to my number and I was no longer able to receive an calls and texts. Then they logged into my Current ( current.com ) account, because Current only required a text to the registered number to log in, and that was my stolen number. I had {$6000.00} in my Current saving XXXX but the attacker transferred them into a spending account, and then attacker made transactions to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but I was in XXXX ) and " XXXX XXXX '', and the fraudulent transactions totaled to be {$3500.00}. I filed a dispute and attached the identity theft report, but the dispute was declined. The attacker also made several transfers to other Current users on XX/XX/XXXX and XXXX, and it totaled to be {$2400.00}. I also disputed the transfer and got this money back. 

However, my Current account was hacked again on XX/XX/XXXX. I got an notification of a new log in that I did not recognize, and the attacker then made an {$1900.00} transaction to " XXXX XXXX ''. I disputed the transaction again but the dispute was also declined. 

In sum, there was a total of {$5500.00} in fraudulent transactions that Current declines to refund.
Consumer complaint received 2022-04-03
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hi my name is XXXX XXXX and im a victim of identity theft I recently checked my credit and found a lot of account that does not belong to me I contacted some of the creditors and investigation came back that information is accurate I also talked to credit bureaus and notified them.Upon talking to some of the creditors they provided me the address that has been used to open the account and those addresses emails that they have on file are my previous addresses phone numbers and emails or they don't even belong to me ( some of them ) I sent them my rental agreement as a proof that the dates that fraudsters applied for the card I was living in different address.
Consumer complaint received 2023-01-30
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. (GA)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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
Consumer complaint received 2023-01-30
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On XXXX XXXX XXXX, I sent a request to have unauthorized and inaccurate late payments removed off from my credit profile. I asked by the provision of the Fair Credit Reporting Act, that these items be investigated and removed from credit report. Under 15 U.S.C. Sec. 1681i ( a ) they must complete this investigation within 30 days of the receipt to my letter. These inaccurate late payments are dated XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. XXXX, XX/XX/XXXX. These are violations of the Cares Act as well.
Consumer complaint received 2023-01-30
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)

n accordance with the Fair Credit Reporting act XXXX XXXXl XXXX, XXXX XXXX of EdXXXX XXXX, US dept of EdXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
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
Consumer complaint received 2020-05-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY (NE)

Due to other financial issues, I became delinquent on my mortgage with PrimeLending Loan Servicing backed by XXXX XXXX. When I lost 100 % of my employment hours due to COVID and the passing of the CARES Act, I requested a forbearance on my mortgage. I was initially told it had been applied, they read the terms and conditions to me and said I would receive additional information in the mail. The only thing I received was loss mitigation paperwork. When I called back I was advised by 3 different reps I did not have forbearance and if I wanted one I must complete the loss mitigation paperwork. 

I called XXXX XXXX, when they got back to me after speaking to the lender they stated I was in an active forbearance. I asked what date it went into effect and expired as well as if they would then be paying my homeowners insurance policy per my escrow account and if I could make payments in the interim. They advised I call the lender. 

When I reached back out to Primelending I was again informed I do not have an active forbearance and if I wanted one I needed to complete the loss mitiation paperwork. I told the rep Primelendin has informed XXXX XXXX I am in an active forbearance and per the CARES Act they must allow me to be. The rep stated because I was in default prior to the CARES Act it did not apply and I must complete loss mitigation paperwork. 

I called XXXX XXXX back and advised the rep of what I just stated, they said they would get with the lender and either have the lender or the person handling my issue call me back. No one has called, the eviction memorandum for XXXX XXXX backed loans have expired and they can literally sell my house any day now. 

I am working on resolving my financial disputes and they should be solved within the forbearance period. I would then be able to pay all of my delinquent payments and become current on my loan. I can not if they refuse to give me a forbearance.
Consumer complaint received 2023-01-29
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. (IL)

I sent a dispute letter certified mail # XXXX XXXX XXXX XXXX XXXX. The letter was received by Transunion on XX/XX/2022. 

I asked Transunion to investigate every piece of information on accounts I disputed. 

According to 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

Transunion stated that the accounts were verified/updated ( see the response letter from Transunion attached File # XXXX ) but how is this possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts is still not reporting XXXX XXXX percent accurate and according to 15 USC 1681a, everything must be accurate.
Consumer complaint received 2022-04-04
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. (FL)

In accordance with the Fair Credit Reporting Act the following company has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 604 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 an account without my written instructions.
Consumer complaint received 2020-05-20
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. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX  XXXX {$5300.00} XXXX XXXX  XXXX {$520.00} XXXX XXXX  XXXX {$5000.00} XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$650.00} XXXX XXXX {$130.00} XXXX XXXX {$85.00} XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX {$590.00} DP OF EDUCXXXX {$8500.00} DEPTEDXXXX XXXX {$12000.00} XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX {$780.00} XXXX XXXX- XXXX {$560.00} XXXX  XXXX {$20000.00} XXXX/XXXX  XXXX {$110000.00}
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX  XXXX {$5300.00} XXXX XXXX  XXXX {$520.00} XXXX XXXX  XXXX {$5000.00} XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$650.00} XXXX XXXX {$130.00} XXXX XXXX {$85.00} XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX {$590.00} DP OF EDUCXXXX {$8500.00} DEPTEDXXXX XXXX {$12000.00} XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX {$780.00} XXXX XXXX   XXXX {$560.00} XXXX XXXX {$20000.00} XXXX   XXXX {$110000.00}
Consumer complaint received 2023-01-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation (FL)

On XX/XX/XXXX I purchased a used XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX. On XX/XX/XXXX the car stopped on the highway unexpectedly, I assumed it may have been the battery and had the vehicle towed to XXXX XXXX XXXX XXXX located in XXXX, Fl. In the interim I reached out to XXXX XXXX XXXX XXXX XXXX XXXX at XXXX to notify them of the vehicle status. On XX/XX/XXXX I received notification from XXXX of XXXX XXXX that the Catalytic converter was missing and it appeared to have been sawed off/stolen. I believe the vehicle was sold to me with this part missing and a proper inspection would have discovered this issue. I brought this to the attention of XXXX XXXX on XX/XX/XXXX and was advised to have XXXX XXXX XXXX XXXX file a claim with XXXX XXXX to review for repairs. I was notified by XXXX on XX/XX/XXXX that the warranty company would not install a new catalytic converter. I was then instructed to file a claim with my insurance company for theft, although I am quite certain that the part was missing when they sold me the car. Now I am stuck with a vehicle at the repair shop and a bill totaling {$3900.00} to add a missing part. I believe the dealership took advantage of me and knowingly sold me a vehicle that was not properly inspected which could have resulted in a major accident.
Consumer complaint received 2023-01-12
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: EQUIFAX, INC. (WA)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX/XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX FIN Account Number : XXXX ; XXXX  Account Number : XXXX.
Consumer complaint received 2023-01-30
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. (MI)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

( XXXX XXXX XXXX XXXX ) ( ACCT NUMBER : XXXX ) Has violated my rights. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate.

MY DISPUTE IS CLOSED NOW BUT IT WAS ( XXXXXXXX )
Consumer complaint received 2020-05-20
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (CA)

Fraud by D .E AS IN DIRECT EXPRESS FROM XXXX - XXXX. IN XXXX D E. SAID THEY WAS THE ONLY OPTION SINCE MY MOMS CHECK AND MY CHECK DISAPEARED AND CALLS AND CONTACTS WERE INTERCEPTED MAIL REDIRECTED AND DIDNT RECIEVE OUR UPDATED I D, DOCUMENTS OR SECURED AND CORRECT FUNDS ONCE I AGREED TO THE CONSTANT BADGERING FROM D. E. TO USE THE DEBIT CARD FOR XXXX AND SOCIAL SECURITY SINCE THEN THERE'S BEEN THOUSANDS OF DOLLARS MISSING BEFORE AS THIS AND XXXX XXXX USE XXXX XXXX TO OPPRESS AND DESTROY MY FAMILYS FINANCES CREDIBALITY AND FREEDOM AND MY MOM WAS TAKEN FROM HER HOME IN XX/XX/XXXX, HORRIBLY XXXX   XX/XX/XXXX IN XXXX XXXX XXXX XXXX HOSPITAL BECAUSE OF DE NEGLIGENTLY ENABLING ID THEFT. UNFORTUNATLY DE SEEMS VERY FRAUDULENTLY PROFFESSIONAL IF DE ALWAYS PREVAILS IN DESTROYING XXXX FAMILIES AKA VICTIMS EXTORTED FINANCES ARE BY D.E. INSIDERS AND CRIMINALS THAT WORK WITH DE. TONIGHT ANOTHER TWO VALID CLAIMS OF OVER XXXX DOLLARS MISSING FROM MY ACCOUNTS ARE BEING ERRONEOUSLY DENIED BY TEIR 2 AFTER TIMELY FILING BY FAX BY MAIL AND FAX AGAIN APPEALING TO UNJUST DIRECT EXPRESS.
Consumer complaint received 2023-01-30
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)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Has violated my rights. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate. 

MY DISPUTE IS CLOSED NOW BUT IT WAS ( XXXX )
Consumer complaint received 2023-01-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kimball, Tirey & St. John LLP (CA)

I moved into some apartments in XX/XX/2016. The apartments were really rowdy dirty and the property XXXX was on XXXX. I spoke with them asked to move out. They agreed that I could break the lease and move out so I.. after I moved out I spoke with a man that said he was the owner. He called me a XXXX XXXX we got into an argument. He told me well I dont approve of you breaking the lease. I told him we already signed documentation and I moved out of the apartment he was upset because I said his apartments were ghetto and dirty and that I did not live like that XXXX years later it appeared on my credit report. When I called the apartments to get information, she gave me a fake number, XXXX XXXX the company and they did not have any information that they can give me regarding the debt that they claim that I owe. I was never given notification of this debt. I was never made aware that they were trying to come out to me for breaking the lease.
Consumer complaint received 2020-05-20
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$390.00} XXXX  XXXX  XXXX {$690.00} XXXX  XXXX {$1400.00} XXXX   XXXX {$980.00}
Consumer complaint received 2020-05-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Ad Astra Recovery Services Inc (TX)

My wife applied for a loan online with XXXX XXXX for a in store pick. We read in the arrangement that if you did not pick up the loan it will not be processed. So we thought everything was ok because we did not need the loan anymore. We later notice that payments where being taken out of the account and called to ask why they stated that they gave us a loan of XXXX dollars. We explain that we did not authorize a loan to be given to us they deposit XXXX in our account without XXXX knowing it. We offer to pay back the XXXX dollars but they refused they wanted XXXX dollars. We believe that this is unfair and unacceptable since we did not authorize a deposit into our account. It been a year and they are still refusing to take the XXXX dollars and they are reporting to our credit that we owe they XXXX dollars this is damaging our credit and keep our score down. I would like this issue resolved can you please help us ... The Company is XXXX XXXX ...
Consumer complaint received 2023-01-30
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 XXXX here, and I'm submiting this CFPB Complaint to let you know that I've been a victim of identity theft. Unauthorized Inquiries are being reported to my personal file after reading my credit report. In violation of Fair Credit Reporting Act section 605b, Equifax and XXXX XXXX XXXX XXXX continued to publish unverified information without providing the legal justification that was necessary. The Credit Bureaus have not properly identified and provided any verifiable proof within the required time frame permitted by law. The following inquiries are false, and I never gave anyone permission to view my credit. They have neither removed these inquiries from my credit report or given me a written authorization. I need the following Inquiries to be removed as soon as possible : 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 2023-01-30
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. (NY)

Despite multiple written requests, the unverified account listed below continueS to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to Transunion on XX/XX/2022, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 


XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-20
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: JPMORGAN CHASE & CO. (FL)

someone has been using my information as a result now i have 15 inquiries on my credit report that i know nothing about i contacted the credit bureaus all they was able to do was adding a fraud alert but all those inquiries remain on my report, i sent letters to the creditors and all three credit bureaus. nothing was done about and by law they had 30-45 days to respond i never heard fro neither of them.
Consumer complaint received 2023-01-30
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.