davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-16
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. (CA)

Upon reviewing my updates, unauthorized inquiries are being reported to my personal credit file. The XXXX, XXXX, and TransUnion Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureuas have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-08-01
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: NAVY FEDERAL CREDIT UNION (AR)

XX/XX/2015, I had contacted Navy federal credit union about fraudulent activity on my credit card and large purchases not made not by me. I also told them that my personal account at a local bank was compromised and funds was taken from it as well. This led to a period of hardship for me, do to losing my money and being payed off because employer lost their contract. I asked them to lower my monthly payment on my credit card and auto loan accounts and when I get new employment, I can repay them. They ignored everything I was telling them and wanted to keep the payment as is, I told them that I could not pay the full amount and the account went delinquent and eventually it was charged off. The account is in charge off status and the debt was written off on their taxes, yet they continue to send monthly charge off status to the 3 credit bureaus as if the account was charged off last month. This a form of consumer harassment, because they are trying to make it look like this account has been recently charged off when it was charged of years ago. Its affecting my credit in a negative way and I want the account removed from all 3 credit bureaus.
Consumer complaint received 2022-06-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

I found this company on my credit report under adverse accounts, named as a creditor. I have never done business with this company. This company has never sent me a physical statement. It has never called me and until today I had no knowledge of this debt or any means to dispute it.
Consumer complaint received 2022-07-16
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: Experian Information Solutions Inc. (CA)

I have been sending dispute letters addressed to the Creit Bureaus for a long time already and I feel that the Credit Bureasu became negligent of their duty and never pai attention to my disputes despite all my extended efforts. The last letter I sent to the Credit Bureaus was on XX/XX/XXXX. Right now, I am submitting this complaint in response to the current evaluation conducted by the Credit Bureaus. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and there are errors that are reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix : XXXX XXXX Balance Owed : {$2300.00} Date Opened : XX/XX/XXXX ; XXXX  XXXX Balance Owed : {$1800.00} Date Opened : XX/XX/XXXX ; and XXXX XXXX  XXXX Balance Owed : {$28000.00} Date Opened : XX/XX/XXXX. I would like the Credit Bureaus to please send me the name and addresses of persons contacted for each ordinance found in the FCRA. If this information can not be equipped to satisfy me, get rid or update the items and maintain the Bureuaus ' help in attempting to resolve the current issue.
Consumer complaint received 2022-06-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (NJ)

lets start its about identity theft, on XX/XX/2020 got letter about credit increase, from paypal which is a Synchrony bank credit card. So called them saying not mine, and week or so later saying im liable for it account ending in XXXXThis has happened three time, called them every time same thing different accounts. The seconded end in XXXX and third end in XXXXNow with over {$18000.00} in dept and in collection. Synchrony bank said it was a digital account so I never got statement in the mail, until the end when money was do .I also contacted the credit bureau , but nothing. Have gotten many letters from bank and dept collectors .I think Synchrony bank changed account number to protect them selfs .I wished I contacted you sooner. What should I do?
Consumer complaint received 2022-07-16
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)

I sent a my Complaints # XXXX, XXXX, XXXX on XX/XX/XXXX but I discovered that you have closed my complaint on the same day. I am resubmitting my complaint to you to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any item not later than 4 business days. Here is the list of erroneous items found on my credit report : XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$220.00} ; XXXX XXXX Balance : {$110.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$710.00} ; XXXX XXXX XXXX Balance : {$990.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXXXXXX Balance : {$770.00} ; XXXX XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX
Consumer complaint received 2022-07-31
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX I entered into a consumer transaction with XXXX XXXX aka XXXX XXXX XXXX  XXXX XXXX. I was told by them, that a down payment of {$10000.00} was needed to drive off the lot, and to even be considered for financing. Violation of USC 1692e. The dealership also never informed me of my right of rescission, violation of 12 CFR 226.23 ( b ) ( 1 ). Transparency regarding the process of consumer credit application being a financial asset was never received either, violation of 12 CFR 360.6 ( 2 ), as well as self liquidating paper, violation of 17 CFR 260.11b-6. 

I contacted XXXX XXXX aka XXXX XXXX XXXX  XXXX XXXX by phone, to communicate my observation, and was told by the finance and insurance manager at the time to talk to CAPITAL ONE AUTO FINANCE. I then contacted COAF and the told me to contact the car dealership. As you would assume, I was/am confused and furious, and being misdirected on purpose. 

Around the end of XXXX, beginning of XXXX, I have sent the notice of rescission, right to rescind document to CAPITAL ONE AUTO FINANCE. The response was that I should communicate with the car dealership, and continued to enforce the retail installment contract. 

As I read more of the rescission process, it does say to give notice to the " CREDITOR '' which in this case, according to the retail Installment contract, is XXXX XXXX. 

On XX/XX/XXXX, XXXX XXXX aka XXXX XXXX XXXX XXXX XXXX recieved my notice of rescission, along with Affidavit of right to rescind. It has been more than 20 buisness days, and I have not recieved a response. They will not answer my phone calls either. I have yet to recieve my {$10000.00} down payment, or any unwinding of any transaction. 

On XX/XX/XXXX, COAF sent me a letter informing me of attempting to collect a debt, and or repossess my property. I am terrified of losing the only source of travel to get back and forth to work and my fear is amplified, even though the contract has been rescinded. There is also no signature on any of these documents, wich is proof none of this is lawful. I feel threatened and at war right now with COAF and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Lastly, I contacted COAF to confirm the information of the letter, and the response was that the loan is under my name and is still owed by me, or XXXX XXXX returns the money to COAF. Unfortunately this all happened on the phone and no paper trail was made for that statement. An additional payment was made on the account in total fear of losing my personal property and I was threatened into doing so.
Consumer complaint received 2022-07-16
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. (CA)

It is depressing to see the Credit Reporting Agencies do nothing with regards to my appeals for them to remove the disputed items that resulted due to Idenity Theft. I have already sent nineteen dispute letters pointing out the fact that I was a Victim of identity theft and that I never received anything nor benefits as the result of the theft of my identity. With the Creit Bureaus decision to ignore my written appeals, they have violated the Fair Credit Reporting Act section 605b and I am planning to take legal actions against the Credit Bureaus. I feel like all XXXX efforts ahad gone to waste and that the Credit Bureaus liked seeing a consumer like me suffer because of their negligent and non-compliance. I have informed my legal council about my plans and they are willing to help me. Once again, I need the Credit Bureaus Remove the Following items pursuant of the FCRA section 605b as soon as possible : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, NV XXXX XXXX XXXX XX/XX/2020 XXXX XX/XX/2020
Consumer complaint received 2022-07-16
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. (CA)

It is depressing to see the Credit Reporting Agencies do nothing with regards to my appeals for them to remove the disputed items that resulted due to Idenity Theft. I have already sent nineteen dispute letters pointing out the fact that I was a Victim of identity theft and that I never received anything nor benefits as the result of the theft of my identity. With the Creit Bureaus decision to ignore my written appeals, they have violated the Fair Credit Reporting Act section 605b and I am planning to take legal actions against the Credit Bureaus. I feel like all XXXX efforts ahad gone to waste and that the Credit Bureaus liked seeing a consumer like me suffer because of their negligent and non-compliance. I have informed my legal council about my plans and they are willing to help me. Once again, I need the Credit Bureaus Remove the Following items pursuant of the FCRA section 605b as soon as possible : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XX/XX/2020 XXXX XX/XX/2020
Consumer complaint received 2022-11-23
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. (NC)

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 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.
Consumer complaint received 2022-07-16
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. (CA)

This account was never late and the Credit Bureaus was reporting inaccurate information on my Credit File. There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. The account XXXX XXXX with Balance Owed : {$0.00} and Date Opened : XX/XX/2020, is reporting inaccurate information. I have been sending letters to the Credit Bureaus regarding this matter and that the Credit Bureaus must confirm the validity of the account in question by conducting an investigation and correct any errors on my Credit File. But despite all my effort to establish a contact with the Credit Bureaus, they seemed to not care at all. If the Credit Bureaus do not take the matter I am disputing, well I do! As a consumer, I have the rights to request an investigation and correct my Credit file. I am exercising my rights by submitting this complaint and I am looking forward to see the Credit Bureaus correct my Credit Report as soon as possible.
Consumer complaint received 2022-07-16
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. (PA)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX account # 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2022-07-16
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. (PA)

My name is XXXX XXXX XXXX and I am writing on my own behalf to delete the following information in my credit file. The items I need deleted are listed in the report. I am a victim of identity theft and did not authorize the following inquiries/charges listed on my credit report. I reported the theft of identity to the Federal Trade Commission, and I also enclosed copies of the FTC report along with the notarized affidavit. Please delete the following items as soon as possible.
Consumer complaint received 2022-07-16
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. (MN)

Upon reviewing my credit file, incorrect information was found in my reports. TheTransUnion, XXXX and XXXX Credit Bureaus has not complied with the FCRA 605B ( 15 U.S.C. 1681c-2 ), and continued reporting as unverified information without any proofprovided, within the time allowed by law, is not authorized. Below are the items that arereporting on my Credit Reports : XXXX ; XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX Balance XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$28.00} ; XXXX  XXXX : {$96.00} ; XXXX  XXXX Balance : {$110.00} ; XXXX  XXXX Balance : {$10.00} ; XXXX Balance : {$75.00} ; XXXX  XXXX Balance : {$21.00} XXXX XXXX : {$80.00} ; XXXX  XXXX Balance : {$310.00}.
Consumer complaint received 2022-07-16
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: Experian Information Solutions Inc. (MO)

I submitted my Complaints # XXXX, XXXX, XXXX last XX/XX/22 however upon checking, I found out that you have closed my complaint. Again, I am submitting my complaint to you today to update this suspicious account. I think the credit bureaus have not validated this account XXXX XXXX XXXX Balance : {$8100.00} in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them.
Consumer complaint received 2022-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK (OK)

My mortgage was sold to midland mortgage in XXXX who in the first year did not put the right amount for my escrow and at the end of XXXX, I was told I am over XXXX short and I need to make up my payments. I had to take a loan from a friend to match correctly their Issue. 

XXXX- Midland added an enforced insurance policy on my mortgage changing my payments & asking me to make payments for not having insurance when my insurance agent & had uploaded/ faxed & posted the proof of insurance documents. 
Then they started charging me late fees because the forbearance had ended. I showed them again that I have never missed a payment but the forbearance was being used as a safety precaution because my business was suffering due to covid, but I had never missed any payments, But I have always made 2 payments a month. XXXX & XXXX on autopay since those were the days I got paid. 
Then again they did not escrow my account correctly and creating me to make a larger payment at the end of the month. 


Now XXXX It has been 5 months I have been trying to get my mortgage company to correct posting 2 lates on my account when I have my account set up on auto-pay as I stated on the XXXX & XXXX. They have posted 2 late on my credit report for XXXX & XX/XX/XXXX. I have provided them the proof that my account is set up on auto-pay every 2 weeks. I have sent them the proof from my bank validating my statement & I have matched the payments against my mortgage payment history in their portal which is also showing every month I make 2 payments that are received by them for that calendar month. I am being told by agents that my lates are because I make 2 payments and the second payment gets to them a few days after the XXXX so I am late! If I want to keep making 2 payments a month I should apply for Mortgage assistance to not be considered late. I also did loose my job in XX/XX/XXXX due to COVID and I did get a great job offer with a financial institution and they saw that I have this comment on my credit report and they would like something from the mortgage company stating its a mistake or an error which they won't. They finally sent me a generic reply where they state they decline my request and the reason is according to Fair credit reporting all payments must be received before the end of the month, which means they have to remove it but they haven't.

I have tried every way to get them to correct this before I made this complaint. I just don't know what else to do. I have seen over 100 reviews on XXXX from other customers complaining about the same thing! I did not choose them as a lender & I am stuck with a company that is running my credit & jeopardized my employment.
Consumer complaint received 2022-07-16
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. (CA)

Are unauthorized inquiries that hard to remove from a consumer 's Credit report? The Credit Bureaus have been neglecting their duty and have failed to comply with the FCRA section 605b and continued reporting the inquiries that I never made nor authorized anyone about these inquiries. I already sent twenty-six dispute letters to the Credit Bureaus requesting that they remove these inquiries completely from my Credit file. Upon reviewing my updates, these unauthorized inquiries are still being reported on my personal credit file. The XXXX, XXXX, and TransUnion Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX