davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-08
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)

I have New and Updated information about Experian. Experian has failed to let me exercise my federally protected rights under the FCRA.Experian will not provide me with a copy of my credit file and will not remove factual information that shall be excluded, I have reached out numerous of times to Experian about the account listed below and my credit file they failed to comply. Lets be explicitly clear on, y request I am not asking for you to dispute the accounts nor am I disputing ownership or the accuracy of the accounts I am telling you the following accounts are FACTUAL TRANSACTIONS and ANY Authorization or approval of a specific extension of credit shall be Excluded from my credit report as that is my rights under the FCRA 15 USC 1681.Your noncompliance has caused me injuries and damages as I have been denied for multiple loans due to my credit profile with Experian. 
I did not giving my written instruction to furnish on my credit report and no one had a judgement to do so remove ( No Permissible Purpose ) the following accounts : 1.XXXX/XXXX  XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX 6. XXXX  XXXX 7. XXXX XXXX  XXXX Attached is my last letter I sent and id that is pass the 30day response period I Did not give written instructions to the following accounts : 1.XXXX  XXXX 2. XXXX XXXX XXXX You also reinserted those XXXX accounts and did not provide a letter via mail stating why within 5 days of the reinsertions which mean they shall have been removed which is required by the FCRA. 
I am not a 3rd party repair company as that is illegal. Attached is my id and previous letter. I am trying to resolve this issue before bringing in enforcers to help resolve this noncompliance.it has been nearly impossible.
Consumer complaint received 2022-06-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Kikoff Inc. (OR)

Attached, please find a notarized Power of Attorney authorizing me to act on the behalf of XXXX XXXX. This individual is an unfortunate victim of identity theft and has enlisted the help of our firm, XXXX, to aid in his recovery process. Enclosed is also an ID Theft Affidavit with his police report information, identification, and proof of residence. 

When attempting to reach Kikoff, I became aware that they do not have a working phone number despite being an entity that reports to the credit bureaus. The phone number that they have left on XXXX 's credit reports leads to a message that says to contact Kikoff online. It does not allow you to leave a voicemail. 

When contacting Kikoff online, their support Agent confirmed they do not have phone support but also that they can not accept documents by US Postal mail either. ( Please see attached documents ) This is unacceptable since they are an entity that reports to the credit bureaus. There are many people who are elderly and unable to contact companies online. It is also a security risk to send PII over email. 

Their XXXX XXXX XXXX shows a pattern of complaints with no responses. It shows XXXX response in XXXX of XXXX XXXX the first complaint against Kikoff ) and then zero responses to roughly fifty newer complaints. 

Please see attached documents.
Consumer complaint received 2022-06-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I was charged a {$1600.00} fee on my loan per vehicle contract for a XXXX service agreement. Upon calling the service provider, XXXX XXXX XXXX XXXX at XXXX on XX/XX/2022 to cancel the service agreement because the vehicle has been paid off in full, there is no record of a service agreement being implemented for my vehicle. 

XXXX XXXX is unable to find any service agreements based on a search of the contract number provided by the dealership or the VIN number. I have requested all service agreements for the vehicle as well since XXXX has double dipped on collecting funds from me over the past 5 and a half years.
Consumer complaint received 2022-06-07
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. (TX)

In Accordance with the Fair Credit Reporting Act, the companies attached 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.

If you do not have documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( 1 ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C Section 1681i, all unverified accounts must be promptly deleted. Therefor, if you are unable to provide me with a copy of the verifiable proof that you have on file for EACH of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed.
Consumer complaint received 2022-06-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (MS)

I found out about Covid forbearance refund in XXXX. I had reached out to XXXX ( they couldn't find any information on my acct as of XX/XX/XXXX. XXXX it was moved automatically to Aidvantage. I reached out to them on XX/XX/XXXX, XXXX this was prior to consolidating for PSLF ( this was done on XXXX XXXX, XXXX ). They said it would be processed and to reach back out in 4-6 weeks if I had not heard anything. I reached out to them again on XXXX XX/XX/XXXX and was told it didn't get processed, I explained that now the loan have been moved to XXXX XXXX the rep said it could still be processed thru Aidvantage since I started the refund request prior to applying for consolidation, I was also told to reach back out in 4-6 weeks if I had not heard anything. I reached out to Aidvantage again on XX/XX/XXXX as I had never received refund or any correspondence, I talked to a more informative rep then and was told the request was never processed, I did ask to speak to superior but she said she discussed with superior and refund would be " expedited. '' I was then told to call back on 4-6 weeks. On XX/XX/XXXX, I reached out to Aidvantage and was told they couldn't do the refund as my loans weren't with them any longer and was told to reach out to XXXX. I reached out to XXXX and was told they can not process refund as they had no history of my payments- just the new consolidated loan in from XX/XX/XXXX. I have exhausted my time attempting to get granted covid forbearance refund without any explanation. I even sent an email to XXXX on XX/XX/XXXX and uploaded my payment history during covid forbearance made to XXXX prior to moving automatically to Aidvantage in XX/XX/XXXX.
Consumer complaint received 2022-06-06
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)

In accordance with the Fair Credit Reporting act XXXX XXXX ACCT # 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 ALSO IN ACCORDANCE TO GEORGIA LAW ( OCGA 9-3-25 ) HAS EXCEEDED THE STATUTE OF LIMITATIONS
Consumer complaint received 2022-06-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BMO Bank, N.A. (WI)

Customer : XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX a Mailed in a payment in an amount to nearly pay the loan in full ( {$8200.00} ), knowing that there will be a small residual amount remaining. The loan is set up on auto pay, the intent that the next auto payment would pay the remaining balance in full. The check was received by BMO around XX/XX/2022. XXXX XX/XX/2022 a letter with a check was received in the mail, stating that the funds were being returns on account on not properly remitting via wire/certified funds. 

a call was made to BMO to discuss the reason why this check was returned and why the check sent wasn't accepted. The check was good with sufficient funds backing it, therefore it's unknown how and why the receiving bank has the authority to deny the transaction. The request or ask of the BMO representative was to be able to backdate said check to the date received in early XXXX. This request was denied again for failure to remit said funds by certified check or wire. I was also informed that when we pay it off, that the check received back was not acceptable to use. 

With this delay, the per diem is over $ XXXX resulting in additional financial harm. We feel we have made a valid effort to remit funds to pay the loan down with the intent of paying it off via the XX/XX/2022 AFT payment. All we ask is that the payment be backdated to the date received.
Consumer complaint received 2022-06-06
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, XXXX, XXXX and Equifax, had violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to USC 15 USC 1681 section 602 A, It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter, states I have the right to privacy. In accordance 15 USC 6802, no financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights. 
These addresses does not belong to me
Consumer complaint received 2022-06-06
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: Experian Information Solutions Inc. (PA)

I recently received a copy of my credit report and found that the credit reporting agencies XXXX XXXX, Experian and XXXX are legally reporting inaccurate and false information about me. The following alleged accounts are listed as collections with a past due balance this is a violation of the FCRA and is also in violation of requisite XXXX XXXX compliance reporting standards according to the federal reporting act I have the right to a fair and accurate credit report, They are required to remove any information that is not true, accurate, and verifiable. 

XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 *XXXX XXXX XXXX XX/XX/2018 *XXXX XXXX XXXX XX/XX/2018 XXXX XXXX  XXXX XX/XX/2018 15 US Code 1681 B ( 2 ), 15 US Code 1681 A ( 2 ) B
Consumer complaint received 2024-12-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BMO Bank, N.A. (WI)

I had a credit card with Bank of The West which offered rewards in cash payments. I had a balance in that rewards program of {$50.00} but when Bank of the West sold out to BMO Banhk N A my credit was erased. I then received emails from BMO Bank that I had requested that my account be changed to no paper billing, which I did not do, this email as an outright lie. I am an XXXX XXXX XXXX senior and these actions by BMO Bank N A are discriminatory due to my age. They are attempted to scam seniors with these actions
Consumer complaint received 2022-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (AZ)

Navy Federal Credit Union in XXXX XXXX deposited PAYROLL check on Friday XXXX, XXXX, Tuesday my funds were available. Wednesday they were not. Put a hold on my funds. Told can't access my funds until XXXX XXXX. Called 3 different times to settled this. My car payment went NSF.. on both ends XXXX XXXX and NFCU. My payroll check is also drawn on XXXX a payroll company. First check deposited with no problem, walked in and gave to bank teller. I've never missed or had late payments on my car payment. Can't pay any bills or use my money for food, gas. Shame on you. I'm a XXXX XXXX XXXX and work with XXXX  helping our community. My son is also a decorated Veteran. As my husband.
Consumer complaint received 2022-06-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Byrider Franchising, LLC (OH)

I got in a car accident XX/XX/2021 and I had insurance by XXXX  and it was liability insurance. CNAC Didn't reimburse me for my tow as they said they would on the CAR CARE CONTRACT and I didn't receive no rental car when my car was totaled. I filled a claim with JD Byrider under the CAR CARE CONTRACT and JD told me that I had to wait for the claim to be processed. I never received nothing in the mail about me owing this amount on my credit report.
Consumer complaint received 2022-06-06
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: Experian Information Solutions Inc. (CA)

The Credit Bureaus never did a proper " investigation '' on the XXXX XXXX  ACCOUNT # XXXX according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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/she is acquainted or who may have knowledge concerning such items of information.

The Credit Bureaus did not do this : They also violated my rights even more. In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report.

The Credit Bureaus stated that my account was properly investigated, but how is that possible if the date opened, credit balance, credit limit, last date reported, date last active and payment history are all inaccurate. This is grounds for removal They also violated the law because according to : 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. I did not give anybody written instructions.
Consumer complaint received 2022-06-06
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. (CA)

The Credit Bureaus never did a proper " investigation '' on the XXXXXXXX XXXX  ACCOUNT # XXXX according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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/she is acquainted or who may have knowledge concerning such items of information.

The Credit Bureaus did not do this : They also violated my rights even more. In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report.

The Credit Bureaus stated that my account was properly investigated, but how is that possible if the date opened, credit balance, credit limit, last date reported, date last active and payment history are all inaccurate. This is grounds for removal They also violated the law because according to : 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. I did not give anybody written instructions.
Consumer complaint received 2022-06-06
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: ENCORE CAPITAL GROUP INC. (IL)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2022-06-06
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. (TX)

In Accordance with the Fair Credit Reporting act, XXXX account name XXXX XXXX, including Account # XXXX, XXXX, 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
Consumer complaint received 2022-06-06
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: I.C. System, Inc. (IL)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2022-05-27
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-06-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (LA)

I called the company the XXXX of XXXX and told them I wanted to pay off my loan. I could only get a pay off by snail mail or fax. I do not own a fax. After a week, no mail. I have never received a pay-off by mail. I called on the XXXX and on the XXXX I got a payoff by email. It had an amount and half of a page empty. It had a second page I did not open. 
I sent the {$49000.00}. It was cashed on the XXXX of XXXX. XXXX weeks later I got an email to get in touch with them. I did not send the money to the address on the XXXX page. They said they would return the money. I have been in contact with them, they said the check went out on the XXXX. Today I called again ( XXXX of XXXX ) was told the same thing. I do not have the check. They also told me I should expect it by the XXXX. " Why that long '' I asked, and was told that was on the post office. This is not true. I mail things all over the XXXX, it takes 2-3 days. By the XXXX my mortgage payment will be late incurring fees. My Loan # XXXX with Specialized Loan Servicing. My name is XXXX XXXX XXXX. 
XXXX XXXX XXXX, covington XXXX My email is XXXX. 
I have sent numerous email request to them with no answer. Every time I call I am put on hold for 5 minutes numerous times. They have not helped me.
Consumer complaint received 2022-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've reached out to the companies directly in XXXX and in XXXX, but no resolution has been made. I've requested for these Hard Inquiries be removed.