davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-27
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act 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 states : A consumer reporting agency can not furnish an account or account information without my consent
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

Once I saw accounts on my credit profile i immediately ask for verification, company didnt verify or tried to unlawfully verify account and Im a victim of identity theft 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2024-11-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

i lost my debit card, when i noticed this i used the wells fargo app to lock the card until i can find it or request a new one. 

i know that their mail service is really bad, last time i had to request the card 3 times until it arrived. 

for this reason i used this option to avoid the headache of getting a new card shipped in case i find it. 

on XXXX XXXX, a fraudulent transaction posted WHILE my card was locked and also didnt had funds to cover it wells fargo posted the transaction and charged my for overdraft fee when i never enrolled in overdraft protection. 

same day the transaction posted i placed claim online. 

today i called because there were no updates and this is a sign of the case being in danger to be lost due to a stupid question missing, but the agent just placed me in a XXXX minutes hold and then become rude and said " you need to go to a branch i cant help you by the phone '' as he know i am not in the XXXX and i cant go to a branch, and he ended blocking me the online access. 

i managed to grab account info with an open session before it expires to make this claim i also noticed that this charge is for an online school in the XXXX, its ovbious that its not related to my business account and i also dont have a 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 2021-09-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (FL)

I called KIA Finance to correct the improper reporting. They said I was 4 months late XXXX, XXXX, XXXX and XXXX on my payments which was a lie. My payment was {$600.00} I sent {$1000.00} every month to pay {$390.00} on the principal. Then I paid {$10000.00} in XXXX because I wanted it off my credit by XXXX. They not only made me lose a mortgage, they made me lose {$100.00} to the inspection company for canceling the inspection at the last minute. My credit was PERFECT with this company. NEVER LATE EVER!
Consumer complaint received 2021-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC (PA)

XXXX listed a fraud account same service address:XXXX XXXX XXXX XXXX California twice the first time with a collection agency XXXX XXXXXXXX XXXX. I filed a police report. I filed a cfpb report. I never lived in California. XXXX was supposed to correct the collection agency, and have my XXXX Report corrected. I thought it was over. I was wrong. XXXX assigned an account with another collection agency, Waypoint and they reported it to XXXX who alerted me on XXXX. I contacted this Waypoint who supplied me with the service address XXXX XXXX XXXX XXXX California XXXX. I called XXXX and asked them to fix this they gave me a very hard time. Please help me. This has to stop.
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Aldous & Associates, PLLC (CT)

on XX/XX/21 Aldous & Associates P.L.L.C. Collection agency add a derogatory mark in my XXXX credit report per XXXX XXXX, upon further research this account was transferred sold and I no longer responsible for this account debitor creditor did not verify this collection also, there was no written terms of communication, contract or signature for this accused debt at all.a bill with out signature does not validate this debt and anybody can send a bill and say is mines. According to the FCRA fair credit act, aldous collection agency has violated my rights as a Cosumer and Im requesting legal action to remove this account immediately..
Consumer complaint received 2021-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Larsen & Associates, P.L. (FL)

I received a letter from an attorney acting as a debt collector. I disputed the amount owed. It is for HOA fees. Within the required 30 day period. I asked for verification of the debt. This was the first I knew of the debt. They did not respond within the 30 day period as required. I then paid what was owed. 3 months later I received a letter stating that I still owed money. I again asked for verification of the debt within the required time period. They again did not respond within the required 30 days. I then paid my fees through XXXX then out of the blue 4 months later on XXXX I received the verification of debt. This was 8 months after my first request and 4 months after my original request attorney also charged XXXX for it. He is required to provide this info. He has been unresponsive and has been threatening me with legal action.
Consumer complaint received 2019-04-20
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

I selected a vehicle XXXX at the XXXX Florida Infiniti store located at NMAC XXXX XXXX, XXXX TX, XXXX. Customer service # XXXX. 

Dear Sir/Madam, I am writing this complaint due to an agreement that I was promised when I leased my XXXX vehicle during the month of XX/XX/2016 at the Infiniti of XXXX store located at XXXX XXXX XXXX XXXX XXXX, XXXX Florida XXXX XXXX # XXXX XXXX XXXX. 

I was promised free maintenance on my vehicle for the term of the lease contract however when I first went in for my initial maintenance check there was nothing in the maintenance system that I had maintenance coverage for my vehicle and I then told him it was suppose to be in the system because I was promised it free for his manager / sales manager selling the vehicle I had selected sold my vehicle to someone else therefore for selling it to some lady customer that wanted a darker gray in lieu of the silver that was available that I ended up getting after he told me he would make the mistake up to me by giving me free maintenance on my vehicle for the life of my contract however later while checking my contract with Nissan it was discovered I was charged for my maintenance contract which I believe was done after my inquiry during my first maintenance visit. I also discovered that someone signed and initial a maintenance document on my behalf because the salesman tried putting a maintenance document in my original set of paperwork and I told him your manager stated that my maintenance was suppose to be free due to the mix-up on the car that I selected and sold to lady I mentioned previously I believe his name was XXXX XXXX and he now works next door for the XXXX dealership. I am requesting that I be reimbursed for the maintenance contract I was charged for and all interests and fees associated with the term of my lease which is still open until next year. In addition I believe my lease should be terminated immediately due to the misuse of my information inappropriately and the signing of documents that were not signed by me. 

Thanking you In Advance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Florida XXXX
Consumer complaint received 2024-12-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (GA)

On XX/XX/year> I received an interest accrual notification, I am on the XXXX Plan, there should be no interest accruing at this time due to pending litigation and the fact the interest rate is 0 %.
Consumer complaint received 2021-08-02
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (AZ)

I am the trustee of a trust. This trust owns a business. This business is in the process of opening an account at Navy Feceral Credit Union. NFCU wants me to fraduelently sign documentation stating that I am the owner of the business, when I am not.
Consumer complaint received 2022-10-20
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. (FL)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681. 

XXXX XXXX XXXX XXXX : Acct # XXXX ; XXXX XXXX : Acct # XXXX ; XXXX XXXX XXXX : Acct # XXXX ; XXXX XXXX XXXX : Acct # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A. States I have a right to privacy.

15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish my 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 any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states 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 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (CA)

Freedom mortgage has reported false and misleading information to all 3 credit bureaus regarding a late payment on my mortgage. No payment was ever late! ( see Freedom Mortgages attached response to XXXX complaint ) Facts are : There was a {$63.00} increase in my impound account - which was not communicated accurately to me by Freedom Mortgage.. In XXXX of XXXX I received notice from Freedom Mortgage, indicating that there was a shortage to my impound account of {$300.00}. When I spoke with a Freedom Mortgage representative, I was told that I could pay off the shortage or have it included in future payments. I paid it off on XX/XX/2021. That was that and I moved on, believing the issue was resolve. 

What I was not made aware of in that phone call, was that there was an additional $ 63 monthly increase. As such, I continued making my automatic bank pay normal payments of {$2000.00} on both XX/XX/2021 and XX/XX/2021. NO PAYMENT WAS EVER LATE!! As I recall, my 1st notice of the {$63.00} increase was via a call from Freedom Mortgage on XX/XX/2021 stating that the {$300.00} that I paid on XX/XX/2021 did not address the impound account increase of {$63.00}. They asked me to pay it over the phone right then, but I was in a conference with a client and advised them I would try to make it later that day. I got busy and forgot about the increase payment. I was not concerned as I knew that my house payments were on automatic payment from my bank and I had time to pay the increase. Payment bringing the entire account up to date was done within 13 days of receiving notice. 

I never in a million years thought that this {$63.00} impound increase would result in such punitive and intentionally destructive conduct by Freedom Mortgage. It wasnt like they paid out a single XXXX or that they were forced to cover the increase out of their funds. Not only are they aware that they have caused my credit to decrease by XXXX points ( which is amazing on its surface ), but they have even exaggerated their false narrative of late payments by reporting the account as " NOT_MORE_THAN_TWO_PAYMENT_PAST_DUE '' which shows their true intent on intentionally hurting my credit. Additionally, theyve made it clear they intend to report this for the next 7 years. If thats not vindictive and punitive conduct, I dont know what is. 

Freedom Mortgage says they are required by law to report accurately. They are in violation of that requirement, as they have admitted they received the timely {$2000.00} payment on XX/XX/XXXX, but placed it into an unapplied funds account. Freedom mortgage has deceived the 3 credit bureaus and will force me into litigation if this is not resolved fairly. 

I thank you in advance for your attention to this matter. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc (NV)

My complaint is in regards to PayPal. 

They have unexpectedly disabled my account stating " XXXX content '' which is completely absurd and false, and even though I am trying to talk to them to show them I do nothing of the sort they will not respond or help me whatsoever. 

They are also holding {$1000.00} of my money that I can't get out because of this. 

This is totally unfair, I have never done anything remotely close to what they claimed and they need to be held more accountable for how they disable people based on an algorithm that doesn't even look into things.
Consumer complaint received 2021-10-06
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. (MI)

I am filing a complaint against Transunion regarding an inaccurate credit reporting on my Transunion Credit Report. They are reporting a bankruptcy which was reported to them by XXXX. This was totally wrong and I contacted XXXX right away to get this corrected. As of XX/XX/2021 XXXX deleted this inaccurate bankruptcy from my records. After this was deleted I immediatley contacted Transunion and informed them that this bankruptcy was deleted by XXXX and that I want it now removed from my Transunion report as this was corrected by the data furnisher. Transunion AGAIN verified this fraudulent bankruptcy as accurate. This is my final complaint regarding this same issue before I file a lawsuit against transunion for violations of the fair credit reporting act. I need this bankruptcy number XXXX to be deleted from my Transunion credit report.
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

To whom this may concern, I have disputed past fraud accounts and have placed alerts on my credit report to refrain from possible identity theft, and still fraud accounts are being falsely reported on my credit report. I have had a hard time proving my innocence in this matter and will not tolerate such a crime. I am growing angry and exhausted with this system that doesn't protect citizens account from such fraud. It should not be this easy for some complete stranger to live and purchase things as me and I get the bill when I have no knowledge as to how to prevent such a crime when I have followed and did what was asked of me by the bureaus. Please, please rid these accounts from my report and place an alert that will notify me directly!
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom this may concern, I have disputed past fraud accounts and have placed alerts on my credit report to refrain from possible identity theft, and still fraud accounts are being falsely reported on my credit report. I have had a hard time proving my innocence in this matter and will not tolerate such a crime. I am growing angry and exhausted with this system that doesn't protect citizens account from such fraud. It should not be this easy for some complete stranger to live and purchase things as me and I get the bill when I have no knowledge as to how to prevent such a crime when I have followed and did what was asked of me by the bureaus. Please, please rid these accounts from my report and place an alert that will notify me directly!
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

I kindly request your attention to the following matter. It is imperative that I seek the removal of the inquiries on my credit reports which are adversely affecting my credit file. I hold the sincere hope and expectation that the credit bureaus, namely XXXX, Equifax, and XXXX, will expeditiously eliminate the listed inquiries, as outlined in the subsequent complaints : 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 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - truth and lending act. and violation of 15 US Code 1692e ( 2 ) ( a ) - the character amount or legal status of any debt. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act
Consumer complaint received 2024-11-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2023-09-29
Product: Credit reporting 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. (MA)

I contact TransUnion so many times since XXXX disputing hard inquiry witch are not unauthorized. I have send writing dispute. TransUnion never send me no documentation. I called transUnion and told me to send documentation like FTC I did what they told me and they never did anything all the time I called and said they will put my case hire up for someone to call me and no one does and never gets resolved keep mention to send them report when they could see the one I send. Please removed the hard inquiry unauthorized.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

on XX/XX/2023 i was mislead and cohearsed into purchasing a timeshare that i was told it was a 2bedroom/2 bathroom condo that i could rent out and make money doing and share their vacation ad and make XXXX each share, it was all a scam and they reported to my credit report