davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

A review of my Equifax Credit Report revealed several unauthorized credit inquires.

Title 15 U.S. C. 1681b- Permissible Purposes of Consumer Reports ; states that it is illegal for anyone to have or access my credit file without my written permission. I therefore demand that Equifax provide said written proof that I authorized the below listed Hard Inquiries that you are reporting.

1. XXXX XXXX XXXX ran an unauthorized credit inquiry on me on XXXX. This inquiry is on an open account and should be listed within the companys rating area. Please update and DELETE this inquiry. 
2. XXXX XXXX XXXX ran an unauthorized credit inquiry on me on XXXX. This inquiry is an open account and should be listed within the companys rating area. Please update and DELETE this inquiry. 
3. XXXX XXXX XXXX XXXX XXXX ran an unauthorized credit inquiry on me on XXXX. I never authorized this inquiry, and it constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], this unauthorized inquiry must be reinvestigated and DELETED from my credit report within 15 days. 
4. XXXX XXXX ran an unauthorized credit inquiry on me on XXXX. I never authorized this inquiry, and it constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], this unauthorized inquiry must be reinvestigated and DELETED from my credit report within 15 days. 
5. XXXX XXXX ran an unauthorized credit inquiry on me on XXXX. I never authorized this inquiry, and it constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], this unauthorized inquiry must be reinvestigated and DELETED from my credit report within 15 days.
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Aldous & Associates, PLLC (TN)

I requested an original Contract from Aldous And Associates in which the young lady via phone could not give me in writing for this account to be closed and removed off my credit report. I disputed account in which they denied so she talked me into paying account in full and the young lady said it would be removed or may not removed with a nasty attitude. Please help me disclose this matter.
Consumer complaint received 2023-03-23
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. (GA)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 an 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 or 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.
Consumer complaint received 2020-11-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK)

Contacted XX/XX/XXXX on XXXX XXXX discovered account balance on Paid account listed over XXXX dollars. Tried to file dispute and was blocked from filing dispute on the account. 

I also tried with Transunion via XXXX XXXX of which I am a member and they have added information to my account access as to who is my grandfather and asking for his first name. I have never given this information and once again feel my private non public information is compromised via a third party source. I am XXXX years old and know who my grandparents were. They had or have nothing to do with my financial life. 

I subsequently contacted XX/XX/XXXX XXXX regarding this matter and they sent me a letter noting I owed nothing on this account RE : Case Number XXXX phone Number XXXX. Finally I am tired of having to disclose any personal private public or any familial information regarding my finances. I realize that you are not in a position to offer legal advice, however is this a matter I can take up with an attorney since these agencies are continued to abuse our good names with their refusal to correct.
Consumer complaint received 2021-04-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (NY)

I have a credit acct with TD XXXX Card Services from XXXX XXXX XXXX. In XX/XX/XXXX I paid my acct. 1 day late ( made pymt on XX/XX/XXXX ) and was charged {$27.00} late fee. In XX/XX/XXXX I paid it 2 days last ( made pymt on XX/XX/XXXX ) and was charged {$40.00} late fee this time, a {$13.00} increase. Both times I called to ask for assistance with the late charges and if they could offer a hardship and they refused to refund the late charges and said I was not eligible for a hardship. I explained I am out of work, I lost my job due to the COVID pandemic and juggling to pay the bills but make sure this gets paid every month. I was told I used a hardship for deferred pymts from XX/XX/XXXX until XX/XX/XXXX, when I actually only used the deferral for XXXX and XX/XX/XXXX. They stated both times I was not eligible for another hardship. I asked if I could re-apply for another hardship since I did not use the entire 6 months they offered but I was declined. I make the pymts monthly but was late due to having to make mortgage obligations and make their pymt once I receive my unemployment. They are not willing to work with me to make the pymt due date a few days later to avoid the late charges. When I asked to speak to a supervisor I was told there is nothing the supervisor could do and told me it would be a long wait to speak with a supervisor, When I was on hold for the supervisor, they disconnected me. XX/XX/XXXX 's pymt was 3 days late ( made pymt on XXXX ) so I included the late charge when I made the pymt. on XXXX. When I seen my next bill online they still included the late charge of {$40.00} with the next pymt. ( {$170.00} ) for a total due of {$210.00}. When I called to see why I was told the late fee was applied to my principal and nothing she could do about it. When I asked if she could re-apply the {$40.00} I paid with the pymt to the late fee she said no as I tried to explain I am having a hard time making the pymts and to see if she could ask if this could be done she in a hurry said no and thanked me for calling and rudely hung up. Her agent id # XXXX. With my unemployment and the pandemic stimulus payments it does not come near to what I was making while employed. My wife has been out on FMLA due to an unexpected XXXX. I am not looking to not make my payments, just a little assistance with the due date change or the late fee waved, as I have tried to explain this to the credit company. Given we are in the mist of a pandemic I don't know how they can continue to charge late fees and then raise the late charge.
Consumer complaint received 2023-02-01
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. (FL)

I submitted this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX XXXX : {$0.00}.
Consumer complaint received 2021-04-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

Please reference XXXX. NMAC 's responses were very colorful and generally accepted. However, their answer to the title release is erroneous. 
From : XXXX XXXX XXXX I found their answer to be incorrect. 
" The Electronic Lien and Title Program ( ELT ) is a paperless method that allows TxDMV and a financial institution or lienholder to exchange vehicle title information electronically. The title record is sent electronically and the lienholder stores the electronic record instead of a paper certificate of title. The electronic title is created and held by TxDMV in the state motor vehicle database.

Title applications are submitted and processed through the local county tax office. Under ELT, when a lien has been satisfied, the lender must submit an electronic release of lien. The lienholder is then removed from the record, receives an electronic notification and a paper title is sent to the owner. '' I am suspect that the lien was released. I would like a Lien Release Letter, on NMAC Letterhead, duly notarized so I can go get a " Certified Copy '' of the title. There is an expense of time and money to accomplish this. Perhaps NMAC would like to do this?
Consumer complaint received 2021-04-09
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: Adler Wallach & Associates, Inc. (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease
Consumer complaint received 2023-03-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (TX)

Phoenix Financial Services sent me a letter to collect a debt I do not owe. I don't have any accounts that are due other than what's on my credit report. I tried to file a police report but the police department said they can not help me. I am a victim of identity theft so Phoenix Financial Services may have obtained my information that way. I filed a dispute with XXXX because Phoenix Financial Services reported me as delinquent on the debt I don't owe.
Consumer complaint received 2022-05-25
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. (GA)

Transunion has furnished a credit profile without my verbal or written consent! I have attempted to have this issue resolved several times over the last year and they either have no response or these inaccuracies come back verified which is impossible. I demand that they cease and desist all negative reporting as it is a violation of my consumer rights as well as my right to privacy. 1681b. Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) of this section, 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. They cant produce a notarized Affidavit or contract signed by me or their senior executive where I gave them permission to furnish or post these negative items on a report. This is IDENTITY THEFT. The Privacy of Consumer Financial Information regulations that implement the Gramm-Leach-Bliley Act ( GLBA ) restricts this type of information sharing because it meets the definition of nonpublic personal information under the Privacy regulations. Therefore, sharing it with nonaffiliated third parties may be subject to an opt-out notice under the privacy regulations. Again this is a violation of my rights to privacy. They also are allowing companies to pull this report without my verbal or written consent. Another VIOLATION Except as provided in section 1681g ( a ) ( 5 ) of this Title, 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 ( ME ) At no point did I consent to these companies pulling a report. Please have the following information deleted and removed from my credit file within ( 4 ) business days and send me an updated copy of my credit report reflecting these changes. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX - {$600.00} ( PLEASE DELETE ) XXXX XXXX XXXX XXXX XXXX {$2200.00} ( PLEASE DELETE ) XXXX XXXX ( PLEASE DELETE ) XXXX XXXX  XXXX {$250.00} ( PLEASE DELETE ) XXXX XXXX XXXXT XXXX {$600.00} ( PLEASE DELETE ) XXXX XXXX XXXX {$130.00} ( PLEASE DELETE ) XXXX XXXXXXXX XXXX ( XX/XX/XXXX ) CLOSED INQUIRIES : XXXX XX/XX/XXXX AND XX/XX/XXXX ( PLEASE DELETE ) XXXX XXXX XX/XX/XXXX ( PLEASE DELETE ) XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

On XXXX I received a noticed from XXXX XXXX that XXXX reported a Hard inquiry into my credit. This inquiry lowered my credit score approximately five point for up to two years. I called and spoke to XXXX they told me contact Capital One Bank. I contacted them and explained to them and told me that they were the one 's that did the hard inquiry. I asked them why they did the hard inquiry and the told me from time to time they will do hard inquiry 's to see if they could offer a unsolicited loan and or a credit card. This is not right, I don't have a open account with them and I didn't ask request one. Please help. 

Thank you
Consumer complaint received 2021-04-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (FL)

Greetings. At this time XXXX and XXXX are reporting a debt collections on my credit report which does not belong to me and is inaccurate. XXXX does not even see it on their end. The collection appeared within the last month and says its from DRS ( Debt Recovery XXXX ) for {$580.00} from XX/XX/2021. I have never done business with this company and do not have any outstanding debts. I can affirm that I do not have any debts, especially none on or around XX/XX/2021. This is being inaccurately reported and is negatively affecting my credit report. I was able to file an electronic dipute with both XXXX and XXXX using their mobile app dispute services. I received a response within 30 days, in compliance with the law. However, their response is that the debt collection is valid. I never received any information from Debt Recovery XXXX regarding this alleged debt. I never received any communication regarding this collections. I believe this information is fraudulent and inaccurate and respectfully request that they produce information to validate this claim in a timely fashion. Thank you for your attention to this matter.
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

After I requested [ via regular mail ], credit reports from the 3 companies, I received a unsolicited Email from Experian.. on XX/XX/2021. I disputed something and afterward they said it was fixed. My credit score then was XXXX. They claimed my credit was 'thin ', even though I have a good record of payment. I was told this was because I only have a couple loans out and said I needed another credit card. I did NOT submit any request. I went to my bank for a vehicle loan and was given the rate for XXXX credit score. Two weeks later I get a letter from XXXX XXXX XXXX c/o XXXX denying me credit for a Loan application I never submitted! 
I went back on Experian and it shows my new XXXX XXXX as XXXX points XXXX. 
I have requested Experian to explain this but as of XXXX they have not. I was asked why I checked my report and told them I am going to buy a truck. They asked about how much was I looking for and made a guess at $ XXXX. When I recognized they wanted to somehow arrange a loan, I stopped, as I have my own bank. Now, however, my credit is XXXX points lower because THEY submitted the request withOUT authorization. 
It would appear there is some type of compensation for this activity. What can you do?
Consumer complaint received 2021-04-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY (NJ)

We started the refinance in XXXX with TD Bank. All papers were submitted by XXXX. We changed over our homeowners insurance to list TD Bank as loss payee as requested. We have several times gotten a payoff amount from our current mortgage company as requested for closing. We were credit approved in XXXX. We were told numerous times that we were close to closing but would need to lock in the rate for 5 days a fee, leaving us to believe that we would be closing within the next 5 days. It is now XXXX and we still have not gotten a closing date nor a reason why not. Our emails requesting status updates go unanswered. We now have to start the process all over with another lender and have wasted 9 months. We had to pay for an appraisal. And I fear the good rates have now gone up and we missed out on them waiting for TD Bank to give us a closing date.
Consumer complaint received 2022-07-13
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. (NV)

in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX. The XXXX account # XXXX. XXXX XXXX account # XXXX-XXXXXXXXXXXXXX Has violated my rights. and reporting inaccurately. 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 2022-01-10
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. (PA)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2021-04-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease
Consumer complaint received 2021-04-10
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. (PA)

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.