davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

CREDIT ACCEPTANCE CORPOR is the accoun {$28000.00} Original balance {$19000.00} that XXXX EQUIFAX AND XXXX are violating my rights It it's illegal to report transaction history according to the Privacy Act of 1974 an the fair credit report act 15 USC 1681 they did not have my consent to report.

this account is reporting inaccurate within all three bureaus 15 USC 1681 IT IS ALSO ILLEGAL TO REPORT TRANSACTION HISTORY AND ALL THREE Reporting agency are doing so this account with credit acceptance needs to be shown paid as agreed since it is illegal to report transaction history this is my person information nonpublic personal information. 
( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( B ) Such a term does not include publicly available information, as such a term is defined by the regulations prescribed under section 6804 of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information. 
THESE COMPANIES ARE IN VIOLATIONS OF MY RIGHTS EVERY TIME THEY FURNISH A TRANSACTION REPORT
Consumer complaint received 2022-07-17
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. (SC)

These companies unfairly and illegally place incorrect items below on my credit report. 
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 2022-12-19
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. (IA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-07-20
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: EQUIFAX, INC. (GA)

This Is my XXXX written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXXXXXX XXXX
Consumer complaint received 2023-01-27
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. (NJ)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Transunion on XX/XX/2023, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-09
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (IA)

My husband and I were exposed to XXXX and were were forced to quarantine for 14 days in XXXX of XXXX, and then actually did get XXXX in XXXX of XXXX. We applied for mortgage forbearance in XX/XX/XXXX through the Cares Act and were approved for 60 days. When we were out of the forbearance period, I applied for reinstatement of normal mortgage payments with the two missed payments to be attached to the end of the loan. We have significant equity in our home that we have lived in for almost 8 years, and my husband and I both have excellent credit, so there was no reason this should not have been approved. The mortgage company, Lakeview Loan Servicing, instead created an entirely new loan for us with the same interest rate, but of course a new amortization schedule, which will cost us XXXX  of dollars in the long-run due to more of our payments going to interest versus principal for the next several years. The customer service rep I spoke to said that this is the only option for VA loans. This is ridiculous and was never explained to us when we applied for forbearance. This is a very sad situation that this mortgage company would treat military veterans this way, and the worst part is that most people would not realize the financial impact the new amortization schedule has and would have no idea that this was a bad thing. In my opinion, this is an unfair business practice and the company should be investigated as such.
Consumer complaint received 2022-07-18
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. (NJ)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block and delete the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Here are the list of disputed items : XXXX XXXX XXXX XXXX  XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX OF MO XXXX XXXX : {$0.00} XXXX OF MO XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-03-31
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Santander Consumer USA Holdings Inc. (TN)

On XX/XX/XXXX I sent you a right to rescind the contract to the vehicle which federal law allows.This document was notarized on the XXXX of XXXX within the 3 days of intent. This letter was received XX/XX/XXXX by XXXX XXXX to no avail. After thirty days I sent you a default with and opportunity to cure the matter which was recieved XX/XX/XXXX given you guys 15 days to resolve the matter and compensate me, also follow my written instructions to resolving this matter. Still, no answer. Now you guys have threatened me with repossession and also to damage my credit using abusive language to me. Persuant to 15 USC 6802 ( B ) The consumer is given the opportunity before the the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; this is my communication for you not to disclose such information to any third parties. 
15 USC 1692e ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. This agreement was a consumer credit transaction in which I extended myself the credit you guys didn't loan me anything. youve fraudulently attached a security interest into the agreement when in fact Your company Cant certify the agreement under the penalty of perjury, yet you are tryging to reposses my property when the contract itself is fraudulent. You cant enforce on a fraudulent contract. you also sent me a statement in the mail which violated the FDCPA Ive written an affidavit with no response. Ive also sent you a verification of debt. You have not responded to this and its been 30 days for all. At this point I will file suit you will see me in court.
Consumer complaint received 2022-03-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : Personal Information : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I've had my Capital One credit card for over 5 years, and I was notified today ( by a third party credit monitoring service ) that my card had been closed. I contacted Capital One immediately to inquire about why they closed it, and they said it was closed due to 12 months of inactivity. 

I asked if I was notified previously about my card potentially closing, the customer service agent said they would have notified me via mail and email. I let the agent know that I was 100 % not contacted by email and that email was my preferred method of communication because I've moved temporarily due to covid. I also said I don't remember a clause about card cancellation for inactivity in the terms and agreement of the credit card policies I agreed to. The agent said there was no clause like that included ( so the customer is held to certain standards but the company isn't? ). And although being told that my account was recently closed at the beginning of this month XXXX XXXX XXXX, he said there was nothing that could be done. 

Instead, his solution was to reapply for another credit card with Capital One. So wait, you won't reopen my old account but your solution is to open a new one? My credit limit was XXXX and as I previously mentioned, I was a customer for over 5 years. Therefore, my credit card utilization and length of accounts will affect my credit score negatively, and this is being done in the middle of a pandemic at that. 

If I missed a credit card payment, they would have emailed, mailed, and called numerous times to collect payment. So I wish they would have tried harder to contact their customer about potentially closing their account due to inactivity- I would have gone out and used my card the same day.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Self Financial Inc. (MO)

I applied for an account with self inc I was never able to access the dashboard to make payments I sent several emails to correct the issue with no response I also sat on hold with this company for hrs and never got help
Consumer complaint received 2022-01-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation
Consumer complaint received 2023-03-28
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. (NJ)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2022-12-19
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. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-02-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (CA)

Around XX/XX/XXXX i contacted Wells Fargo auto loan dept and asked them why maturity date has been extended form XX/XX/XXXX and why do i have some much extra fees and if they can send me a payment history since i began the loan in XXXX of XXXX my payments were XXXX and i have been paying ever since my interest rate was locked in at 5.890 % they constantly have hit me with late fees and refuse to send me payment history through out my loan
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am disputing the inclusion of incorrect personal information on my credit report, as the details listed below do not pertain to me. I request the immediate removal of this inaccurate data. 
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 XXXXXXXX
Consumer complaint received 2024-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Credit Management sent me an offer and I negotiated it with them. I completed payments and they are still billing me for {$260.00}. When I called them in reference to it, I was told that I still owed one more payment and they had cancelled my offer so they deducted the offer from the original ballance and charging me the resting ballance of the full amount. They tricked me into this deal and now it showing up on my credit report. My phone number is : ( XXXX ) XXXX. My address is XXXX XXXX XXXX XXXX XXXX Tx XXXX. 
Midland Credit Management , Inc Account : XXXX Ballance : {$260.00} Offer 3 automatically deducted payments from my account 1. {$80.00} 2. {$80.00} 3. {$100.00} Then I was called over the phone and being charged the {$260.00} which was not required.
Consumer complaint received 2021-11-20
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: CITIBANK, N.A. (HI)

I opened a new account with Home Depot/Citi for a credit card in the fall of XXXX in the local Home Depot store. When signing up I was not asked for my address. Unfortunately the address Home Depot had on file was an old address. As a result I never received an invoice for that day 's purchase ( which I believe was {$66.00} ). Home DepotXXXXCiti did have my correct phone number on file, but never called me about the payment. 

Around XXXX of XXXX I was made aware that my credit report was showing late payments on the Home Depot/Citi account XXXX It had been long enough that I didn't even remember the purchase. I took it on myself to call Home Depot/Citi and ask why they were reporting late payment when I had never received an invoice. In the conversation we discovered that the invoice was sent to an address from 2 previous moves. We corrected the address over the phone. Home DepotXXXXCiti admitted that they never sent an invoice to my current address and cancelled the late fee and interest. I gave the agent a XXXX to make the payment over the phone. 

I then disputed the late payments with the credit bureau, however Home DepotXXXXCiti confirmed the late payments. I then called Home Depot/Citi and was told by the agent that the late payments will be removed from my record. I waited XXXXdays but the late payments did not go away. So initiated another dispute. With the same result. To date I have initiated XXXX disputes without any resolution. The first XXXX  times Home Depot/Citi informed me the late payments would be removed from record. But they never were removed. The XXXX time Home Depot/ Citi even sent me a letter stating that there have been no late payments on my account for the past XXXXmonths. And yet they still confirmed the late payments with XXXX. The 4th time I was informed by the agent that even though : the late payment was cause by Home DepotXXXXCiti 's failure to send an invoice to my correct address, that Home Depot/Citi never called me XXXX and that I paid the bill within minutes of being informed that there was and outstanding bill, that per federal law they are required to report my payment as being late. That is absurd. 

From my perspective I was never late on the payment because I paid it within minutes of being informed there was an outstanding bill. I feel that Home Depot/Citi should remove the late payments from my record and confirm that there are no late payments with the credit bureaus.
Consumer complaint received 2022-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (GA)

{$7500.00} was taken out of my primary business checking account via a check deposit on XX/XX/22. I called Wells Fargo and spoke with their business operations and filed a claim for fraud. I didn't write the check and it didn't have my signature or my bank information. The check had the wrong business address and didn't have the authority to cash such a big amount. What checks and balances does Wells Fargo has in place to stop such fraud? I just don't want other business owners to go thru the same pain and stress that I am going thru.