davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-13
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: Fidelity National Information Services, Inc. (FNIS) (TN)

I have 12 inquiries on my ChexSystems report, 10 of which I did not initiate. I have sent letters out at least 3 times, disputing these unauthorized inquiries. Some inquiries were deleted, while others remain. I do not have any accounts related to these 10 inquiries, and I have not been sent any proof that I initiated these inquiries, only that the companies associated with the inquiries " say '' that it's true. I will list the supposed date of these inquires, along with dispute letters, and certified letter receipts, along with the tracking numbers. I demand that these unauthorized inquiries be deleted or I will have to escalate the matter. Thank you. 

Inquirer # 1 : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, MD 20895Phone Number : XXXX Inquiry Date : XXXX  Inquirer # 2 : XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NY XXXXPhone Number : Telephone Number Not Available Inquiry Date : XX/XX/XXXX Inquirer # 3 : XXXX XXXX XXXX XXXX. ; XXXX XXXX  XXXX XXXX, XXXX, PA XXXXPhone Number : XXXX Inquiry Date : XX/XX/XXXX Inquirer # 4 : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Phone Number : Telephone Number Not Available Inquiry Date : XX/XX/XXXX Inquirer # 5 : XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX, XXXX, PA XXXX Phone Number : XXXX Inquiry Date : XX/XX/XXXX Inquirer # 6 : XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, VA XXXX Phone Number : Telephone Number Not Available Inquiry Date : XX/XX/XXXX Inquirer # 7 : XXXX  XXXX XXXX  XXXX. ; XXXX XXXX  XXXX XXXX, XXXX, IL XXXX Phone Number : Telephone Number Not Available Inquiry Date : XX/XX/XXXX Inquirer # 8 : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX, XXXX XXXX, TX XXXX Phone Number : XXXX - On Behalf Of : XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX, OK XXXXPhone Number : Telephone Number Not Available Inquiry Date : XX/XX/XXXX Inquirer # 9 : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXPhone Number : XXXX On Behalf Of : XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, IL XXXXPhone Number : Telephone Number Not Available Inquiry Date : XX/XX/XXXX Inquirer # 10 : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX, XXXX XXXX, TX XXXXPhone Number : XXXX On Behalf Of : XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, IL XXXXPhone Number : Telephone Number Not Available Inquiry Date : XX/XX/XXXX. 

These 10 inquiries do not belong to me at all. The only 2 that are mine are the 2 that are both from XXXX XXXX XXXX, and I have the account ( s ) to prove the link. Please delete the other 10 because they are hurting my ChexSystems credit profile and score. I will take legal action if they are not deleted. Thank you. 

XXXX XXXX These are tracking numbers for 2 of 3 letters sent to ChexSystems.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a goodwill gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing.
Consumer complaint received 2022-11-13
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Moody, Jones & Ingino, P.A (GA)

This antagonist unknown third party debt collector is threatening to come after me for an alleged debt that is voided due to the nature of it cause, intention, definition, what constitutes a default, and the most importantly, DISCLOSURES. The XXXX word of default means de+ fallere, meaning " to deceive '', '' to cheat '', or " to lead astray ''. In a financial sense, the actual meaning is to deceive or lead astray a potential borrower. This unknown third party are doing business as MOODY, JONES & INGINO, PA. I expressed to them a " Cease and Desist '' notice & an Identity Theft Report and they are still harassing me. I will like to sue them for actual damages for the voided principal and security agreement, harassing me, not being conspicuously and clearly with the disclosures, the penalty for the violation of all Provisions and not respecting my mind. The federal Act of the disclosure requirements under the Truth and Lending Act and Regulation Z are governed by the XXXX which is part of the Consumer Financial Protection Act of 1968, amended. The controlling law in the area of disclosures is the " TILA & Regulation Z ''. The original creditor ( XXXX XXXX XXXX XXXX ) failed to comply with this federal law as well as this third party. The law is the law, which was broken. A federal law that was made by the Congress and the 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: EQUIFAX, INC. (GA)

In accordance with the fair Credit Reporting act XXXX Account XXXX XXXX # XXXX 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions
Consumer complaint received 2022-11-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC. (CO)

I am dealing with Identity Theft incident ( XXXX ) which started from XX/XX/2022 ( see complaint # XXXX ). While this previous incident is being dealt with through the bank thanks to the CFPB reports filed, I have now found ( XX/XX/2022 ) an unauthorized mortgage loan inquiry that was made under my name from New American Funding ( Reference number : XXXX  XXXX  # XXXX ) according to the credit monitoring update from XXXX XXXX. Between the beginning of the original incident XX/XX/2022 to this reporting time, I have placed fraud alerts and froze my credit on all XXXX credit bureau companies, and XXXX, and doing everything I can from my side to protect my personal information for any further damage. I have called the New American Funding company 's number XXXX XXXX has referenced ( XXXX ) at XXXX today, explained the situation, and the representative took down my information : name, phone number, State I reside in, and I provided the above reference ID # XXXX. They informed me that since it is holiday weekend, the appropriate representative will call me back probably on Monday. I did not get a confirmation email ( as I was already skeptical of giving them more information than needed and did NOT provide my email ) or a call back yet ( XXXX reporting time now ). XXXX XXXX shows some information that was " put in '' the application. Zip Code : XXXX ( XXXX, VA which is suspicious as the location is XXXX of my past address more than XXXX  years ago indicating they are using my social security number and information attached to it ) Loan Type : Purchase, Purchase Price : {$280000.00}, Down Payment : {$56000.00}, and " Where in the process are you? " : Not sure yet. Upon more internet search it seems that XXXX might possibly be another scammer. I have found customer service phone number from New American Funding 's main website which is different from what XXXX XXXX suggests ( XXXX XXXX ). I have also left a message on this line to get verification from them and will wait for their call back on Monday as requested.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
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: Santander Consumer USA Holdings Inc. (TX)

in accordance with the Fair Credit Reporting act XXXX  with account Santander 's bank and dept of education / 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 2022-11-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Velocity Portfolio Group (NV)

On XX/XX/XXXX, I was served with a summons at my home for a lawsuit. The options to select in this complaint are about being sued in a state where I don't live, but this complaint is because CKS Prime Investments is not licensed in my state as a collection agency as one of the several complaints I have with this lawsuit. 

I sent a certified response to their attorney XXXX XXXX on XX/XX/XXXX. I asked for the XXXX, the forward flow agreement between CKS Prime Investments and who they have listed as the original creditor XXXX XXXX XXXX XXXX . And lastly, I asked for an original contract with wet signatures between myself and CKS Prime Investments. 

In response, I receive a package from Attorney XXXX which contained several months of statements and a bill of sale. In the bill of sale, it appears that an organization called XXXX XXXX XXXX XXXX XXXX may have sold or transferred a batch of accounts to CKS Prime Investments , LLC. This in no way provided me any evidence which I asked for. There is no way that that bill of sale identified my " account '' as being part of this transaction, it also did not show where The XXXX XXXX XXXX  assigned anything to CKS Prime Investments , LLC. 

In the lawsuit, it claims that The XXXX XXXX XXXX sustained damages and those damages were passed on to the plaintiff CKS Prime Investments , LLC. It mentions that " Plaintiff  is informed and believes and on such information and belief alleges that each of the fictitious names Defendant are in some way responsible for the damages sustained by Plaintiff  in this action. '' What is meant by fictitious names? As my name as a natural person is verifiable and is listed when referring to me as a defendant. 

The lawsuit alleges that " Defendant defaulted on the account on or about XX/XX/XXXX ''. And " On or about XX/XX/XXXX, The XXXX XXXX XXXX or its assignee, assigned or otherwise transferred to Plaintiff  ''. However, in the bill of sale which was mentioned above from XXXX XXXX XXXX, it clearly states the purchase/sale was entered XX/XX/XXXX.
Consumer complaint received 2022-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (FL)

I have a medical condition that causes extreme hair lost. I contacted XXXX at XXXX hair Enchancements on XXXXshe promised to make a custom hair system for me. I paid her {$1500.00}. The hair system was tacky and did not fit. XXXX did not want to refund me the money. I also paid her deposit on XXXX and XXXX for another custum system that i have not received nor do i want her to make it for me. I open a dispute with Discover on XXXX. They returned the XXXX back to her because the said even though i am not happy with the system and service she did produce me the the hair system. DIscover and Fairwinds are still investigating my dispute of the deposit i made for the 2nd hair system. This women scamed me and distroyed XXXX on my own personal wigs i paid {$500.00} for each one. I have contacted XXXX and dept of business and professional regulation. This women gave me a business card under XXXX XXXX and her website. PREMIERHAIR.NET her name is XXXX XXXX. Neither name appear under XXXXXXXX XXXX or XXXX. The only person who has a license at XXXX XXXX per these organization is XXXX XXXX XXXX. XXXX refuses to refund me any of my money and Discover will not credit my account. I am not a scammer i have XXXX XXXX XXXX.
Consumer complaint received 2022-11-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I purchased a XXXX XXXX from a company back in XXXX. Right after I purchased this vehicle, the company closed and was sued for fraudulent activity with obtaining loans. and giving customers overpriced, upside down loans. ( XXXX XXXX ) This company suggested I take the loan offer XXXX. The price was roughly XXXX for a XXXX XXXX XXXX. 

I was hit by a drunk driver and my vehicle was totaled in XXXX. My insurance company submitted all of the paperwork to them for the account to be paid and properly closed. 

A few months went by, and I noticed XXXX reported wrong information on my credit report. Not only did they report I owed the original amount, but they listed as a REPOSESSION! They have failed after several attempts to respond to me. 

I was contacted and included in an action lawsuit with this company and received a {$200.00} check from them. The day I received the check, I called to remind them that the wrong information was still being reported and causing me great hardship. On some instances this is showing as a repossession on my credit! It has been tough for me to get another XXXX recently and I been denied trading in my vehicle or purchase another one because of this. 

It is now years later, and this company WILL NOT RESPOND. They keep putting " updated " as a resolution with no solution offered or action taken. This is ruining my credit and I need it removed with proper documentation. I called them to get a correct address for the specific department I was told can assist me. I was told the address is incorrect, when attempting to mail them a letter on XX/XX/XXXX. The clerk gave me what she had for them and as always, I requested a tracking number.
Consumer complaint received 2023-02-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

In XX/XX/ 2023, a Bank of America ADV SAFEBALANCE BANKING account was opened under my name using my personal information. I did NOT click any links in the email. 

I forwarded the emails in case they were fraudulent, to " abuse@bankofamerica.com '' as instructed on the BOA informational page. 

No one contacted me. 

Another number ( ending in XXXX ) called me on my personal cell phone - I did not give them any personal information. 

I called BOA and found out the account opened was real. They closed the account for me.
Consumer complaint received 2023-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE (CA)

Case Number : XXXX Please see attached letter for complete details Barclays has not offered me a plausible way to continue to pay my monthly statement minimum that will not keep adding more and more to my balance because of rising interest throughout XXXX XXXX into XXXX. 

I'm able to pay more than my monthly statement minimum, however paying down the total balance is becoming increasingly difficult because I'm unable to work as much due to lower energy from long covid last year. 

I've been completely responsible in trying to pay my bill and discuss this with Barclays starting at the beginning of XX/XX/XXXX XXXX 

They offered me lower minimum payments which is ridiculous because my minimum is only {$39.00}. I can pay that. That's not the issue. My goal is to pay this balance off. With such high interest rates occurring during XXXX and continuing, my goal is becoming beyond reach. 

I was also told that I could allow my account to lapse into Collections and not receive interest. Going to Collections would lower my Credit Score. Also, as soon as I " catch up '' in collections to the " lapsed payments, '' they move my account right back into being a regular account and start charging interest again. 

It seems that Barclays isn't willing to change anything to help me in any way re : their greedy policies. It feels like Senior Abuse because no one is willing to listen and understand my situation.
Consumer complaint received 2022-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (DE)

I have taken a look at my credit report which has caused some confusion. I used my social security number/card defined under 15 USC 1602 XXXX l ) to extend credit with Bridgecrest to obtain a vehicle. I am a natural person, a federally protected consumer, and the original creditor defined under 15 USC 1602 ( g ). The vehicle which is subject to the transaction was used primarily for personal, family and household purposes. Bridgecrest has engaged in extortion and racketeering activity defined under Title 18 Chapter 42. Bridgecrest has violated my consumer rights : XXXX15 USC 1602 ( k ) : I was not informed on the cost of credit. I never received written adequate notice that sets for the pertinent facts for this consumer credit transaction XXXX15 USC 1601 ( a ) : XXXX makes it clear that consumer credit would be strengthen by the informed use of credit. The only decision I was given after the consummation of the transaction was to make payments without penalty which is a violation of 18 USC 880 -15 USC 6802 ( b ) ( XXXX ) ( B ) : I, the consumer, have never been given the opportunity to direct that my nonpublic personal information should not be disclosed to nonaffiliated XXXX  parties such as XXXX, XXXX and XXXX. Nor was I given an explanation on how to exercise the nondisclosure option which is a violation of 15 USC 6802 ( b ) ( XXXX ) ( C ). 
-15 USC 1666 ( a ) ( XXXX ) I am aware that all extensions of credit are tied to my social security card and that the XXXX XXXX is obligated to all debts under 18 USC 8. Bridgecrest has illegally repossessed my vehicle to cause harm. They have also reported late payments to my consumer report. I am requesting additional clarification in regards to the billing errors under code 15 USC 1666 ( b ) ( XXXX ) documentary evidence under 15 USC 44 includes books of account.
Consumer complaint received 2022-11-12
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)

I XXXX, XXXX Authorized Representative for XXXX XXXX TODAY Date : XXXX has been unfairly treated due to the nature of improper credit reporting, and for the mistreatment of the credit reporting laws and compliance.These are multiple violations of the law and slander of my good name and character.. Dear Sir or Madam I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported erroneously. agency TRANSUNION sent a letter stating that TRANSUNION had completed your investigation and the items were not deleted, as requested. This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect. This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ). To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 15 days or delete the negative items, as originally requested. Below are the items that do not belong to me that you continue to report erroneously. XXXX. Account name : XXXX XXXX XXXX Account number : XXXX Chargeoff, Please note that I am taking this matter very seriously and demand that you follow the law, in its entirety, and send me detailed information of how you arrived at your conclusion, or else remove these items immediately. Thank you, These listed Violations are based on breach of fiduciary duties TILA, FCRA, GLBA, CFPA, THE Sherman Antitrust Act, FTC Act and RICO Act Your company falsely reported information that resulted in defamation of my character. Further, you created a deceptive form that made the creditors and employers believe that I was in debt, though you could not prove its validity. If the debts were valid you created a false impression that I was not able to pay the alleged debts. As a result, I was discriminated against and denied my right to extend credit. I also suffered emotionally as well as financial hardship. Therefore, your company is liable according to 15 USC 1681o