davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-14
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. (CA)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Consumer complaint received 2023-01-27
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. (AL)

In accordance with the Fair Credit Reporting Act XXXX, XXXX and Equifax has Violated my rights by Having Late payments on my Credit report and a charge off account. 

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 an account without my written instructions.

15 USC Section 1681a- Definitions ; rules of constructions- Exclusions. - Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report.

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 purpose.

15 USC Section 1681- congressional findings and statement of purpose ( A ) Accuracy and fairness of credit reporting.

( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

15 U.S. Code 1681n. Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
Consumer complaint received 2022-04-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (IL)

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX/ {$4500.00} / XX/XX/2022
Consumer complaint received 2022-12-03
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: CREDIT ACCEPTANCE CORPORATION (KY)

Back in XXXXXXXX XXXX XXXX  someone stole my identity and used it to purchase a vehicle and they also filed for unemployment benefits, credit cards, and other various accounts. Over the past 2 years Ive spoken with Credit Acceptance and XXXX several times and attempted to get this issue resolved with No result. Ive asked several times for a Letter of Validation from both Credit Acceptance and XXXX and havent received one although I was told it was mailed to me. I have done everything I was asked by both Credit Acceptance and XXXX with No updates or response in the past 6 months. Ive submitted both a Police Report and Affidavit of Fraud to show I am a True victim of Identity Theft. Still both Credit Acceptance and XXXX refuse to acknowledge my consumer complaint. I think its also a violation of my civil rights and discrimination. I almost at the point of retaining legal representation and filing a lawsuit against Credit Acceptance. I would like to know if I can get help here or what I can and should do next. Im attempting to fix this issue but its been a nightmare and XXXX stated they received something validating the account was mine however Ive never seen anything and they refuse to resend anything to me. I would just like to get this issue resolved promptly so that I can purchase a vehicle. It shows the vehicle as a repossession and someone named XXXX XXXX on the account. I have No knowledge of who this person is.
Consumer complaint received 2019-01-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Genesis Credit Management, LLC (CA)

I had a 1 year lease with XXXX XXXX XXXX XXXX. I had notified property management several times about mold, the extremely loud noise from up stair neighbors, and about a loud and continuous noise coming from a piece off equipment attached to the wall outside our bedroom ( owned, operated, and maintained by the landlord ). I requested several times they fix the equipment making the noise as it would go off every 5 -10 minutes. The noise was so disturbing that we were unable to sleep. I was nearly in an accident when i dosed off driving to work because the noise kept me up nearly ever night. At that point I hand delivered a letter to the property management demanding the equipment be fixed or we would be vacating the apartment under CCP 1942. After several weeks of no response and the complex 's failure to make the necessary corrections we vacated the property and were told they understood. This was on XX/XX/XXXX. We did not hear anything from the complex until XXXX/XXXX when we were then told that we terminated the lease early and owed a balance ( 17 months later ) they also are seeking interest for that time. Its my understanding there are new property mangers and i asked them to look at the emails and letter I delivered regarding move out, to which they stated they have no documentation of any communication between myself and the complex. When i asked for the debt to be validated they sent a copy of the lease and a Deposit Disposition,  which indicates that notice was given, yet they somehow no longer have that document. My credit has been severally impacted as well as my wife 's and is preventing us from obtaining credit and incurring unnecessary costs.
Consumer complaint received 2021-07-30
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P. (PA)

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 3 Bureaus Data 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 Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. 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 2021-04-03
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. (GA)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2023-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (OR)

I had enrolled in a business checking account with square inc. the events I had planned did not realize and it sat dormant for a few months around the first week in XXXX I had a direct deposit from an employer deposited. After the second deposit the following week I was frozen from my assets and told a review was made and they had chosen to no longer do business checking with me. I was then informed the fingers would be held for 90 days, witch is mentioned in the leathery user agreement but as I surmised after reading this action should only be used if I had transactions excepting funds from customers for any possible return discrepancy. I had not used the product for commerce as a business only as an expense basis.
Consumer complaint received 2024-10-07
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: CITIBANK, N.A. (NJ)

XXXX shared my personal financial information with other companies and credit agencies without offering me the opportunity to opt out, violating both federal ( GLBA ) and state ( NJCFA and NJ Identity Theft Prevention Act ) laws. When I informed XXXX that I did not consent to this, they responded by citing their Privacy Policy. However, I never authorized XXXX to share or sell my personal information. 

Ive requested full details about the account twice, but XXXX only provided a Promissory Note, which shows clear violations of the Truth in Lending Act ( TILA ). Additionally, they have disregarded my request to send all mail to a specific address, continuing to send it to an inconvenient location, which constitutes an invasion of privacy. 

By sharing my personal information without consent, Macys/CBNA is committing identity theft under federal law ( 15 USC 1681a ( q ) ( 3 ) ). The contract is void because it involves identity theft and attempts to extort payments. The Promissory Note also violates TILA, XXXX, and COM. I am seeking damages for XXXX violations of the XXXX, NJ Identity Theft Prevention Act, FCRA, XXXX, UCC, and COM. The contract is invalid, and I demand an immediate resolution to prevent further harm. 

Violations : Gramm-Leach-Bliley Act ( GLBA ) New Jersey Consumer Fraud Act ( NJCFA ) New Jersey Identity Theft Prevention Act Truth in Lending Act ( TILA ) Fair Credit Reporting Act ( FCRA ) Uniform Commercial Code ( UCC ) Contract of Merchants ( COM )
Consumer complaint received 2022-12-03
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: American First Finance, Inc. (IL)

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

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2019-03-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The Phoenix Recovery Group (TX)

I recieved notices to remove pet from my apartment and I complied. The following day I was admitted to the hospital for a week. While I was in the hospital the leading office allowed my family to enter the apartment without my permission and move my personal belongings into storage. They are failing to communicate with me and come up with a solution to the issues needing resolved. I was informed that new management had taken over and that it was a hassle for them to find any of my records/leasing information and even record of me living there. Ive attempted contact plenty of times including in person and no help.
Consumer complaint received 2022-06-10
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: CAPITAL ONE FINANCIAL CORPORATION (WA)

I am in the midst of a heartbreaking pending divorce. My husband had all of the financial information and went behind my back in initiating all of this, which didn't give me any time to prepare or protect myself. Anyway, I just looked at my credit reports today and noticed several unauthorized and unfamiliar soft inquiries described as " Account Review Inquiries '' and 2 " Credit Reports. '' I would just like to know what they are and who authorized them without my permission. If it was my husband, he most likely used my SS, birth date, etc. and went behind my back yet again, to gather all my financial data. I have a suspicion that our accountant who has all of my information because he just did our taxes, helped him. 
CPA, XXXX XXXX XXXX XXXX XXXX, WA -- he would have the ability to check credit. 

I reached out to XXXX and to XXXX -- They were unable to see what kind of review they have procured. 

XXXX - Unfamiliar/Unauthorized Inquiries of Concern : XX/XX/2022 XXXX, XXXX. - Account Review Inquiry XX/XX/2022 CAPITAL ONE - Account Review Inquiry XX/XX/2022 XXXX XXXX  XXXX - Account Review Inquiry XX/XX/2022 XXXX - ( my personal bank ) CREDIT REPORT XX/XX/2022 XXXX XXXX XXXX ( potential equity loan change right before he surprised me with divorce papers )- All other Prequalifications not listed XX/XX/2022 CAPITAL ONE ( my personal credit card ) - CREDIT REPORT XXXX CREDIT REPORT : XX/XX/2022 CAPITAL ONE - It doesn't give a description other than " Requested On '' The others like XXXX XXXX XXXX XXXX ( my husband has an account ) and XXXX XXXX -- those may just be promotional inquiries. 

I'm tired of him going behind my back. Please confirm what financial entity has authorized these inquiries and what they even are! Thank you, -XXXX
Consumer complaint received 2022-04-05
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: HYUNDAI CAPITAL AMERICA (WA)

I am attempting to buyout my vehicle from my lease. I have requested a detailed lease buy-out report so that my credit union can fund my loan. I have been approved for my loan. The details listed on the report provided by Kia do not add up to the " Total Purchase Price '' they request, and my credit union will not fund the loan based on their incomplete documents. I have spoken to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. I have been transferred back and forth between lease end and customer service multiple times. I have been told that the numbers don't add up because " it's in the contract '', that " I should just know what the extra amount is '' that " It's the purchase option fee '' that the " Purchase option fee will be charged later after they receive my payment ''. I have been told that it's my fault because I haven't been clear that I want a document wherein all the numbers add up to the total. Ihave been told that the " Total Purchase Price '' listed on their report isn't really the purchase price, and they will send me an addititonal bill after they receive my final payment. All I have asked for is a report from Kia wherein their details add up to their total. The best I get is a promise to request a document from lease end. All I receive is another document that doesn't add up. I have spent over 5 hours on the phone with them and been hung up on three times.
Consumer complaint received 2021-04-03
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)

Good morning, I have been trying to get these accounts off my credit report. I have never done business with these company. I contacted them to explain that these accounts was not authorized by me. I also contact the tranunion and XXXX  and was told that i need a report from the FTC.
Consumer complaint received 2019-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

Since XX/XX/XXXX when I reported to HSBC that my account had been attacked by fraudulent activities, HSBC suspended and blocked my account, I could not access my HSBC saving, checking, credit and business accounts at all. But for next several months hacker ( maybe HSBC insiders ) did multiple illegal transactions from my account, also took cash advance from my HSBC credit card to my check then transfer out to unknown banks. HSBC did not recover from fraud, they simply did provisional and paid credit card plus interest. Then they took money from my account to return provisional. 

I filed complaint through CFPB 3 times. The last one was XX/XX/XXXX, ( case number is XXXX-XXXX ). Every time HSBC told government official they solved the problem, then CFPB closed my case. 

For more than half year, I have never received any direct contact from HSBC. I called and went to branches many times, they just do not help me at all. On XX/XX/XXXX HSBC XXXX branch manager hind from me for 5 hours, then called police to ask me leave, because they were closing. HSBC VP of customer relationship Ms. XXXX XXXX sent a letter to New York DFS. I received a copy from NY DFS, in the letter she even messed up my account number. She said, The remaining balance in your checking account ending in XXXX is {$1000.00} but in her attached the banking statements for DFS is ACCOUNT NUMBER XXXX. Obviously, she was lying to government officials, and NY DFS closed my case as you did. 

So far I have not recovered all my loss. 

In XX/XX/XXXX, I could not access my business account, I went HSBC XXXX XXXX branch. When the manager XXXX XXXX XXXX knew I had been abroad as XXXX XXXX he suggested me to open a premier account with credit account. He had all my personal information, then he left HSBC in XX/XX/XXXX without passing my document to new manager. So in XX/XX/XXXX, HSBC asked me to fill all the forms again. And assigned a new manager XXXX XXXX for me. Not long, XXXX left HSBC with all my personal information again. That premier account and credit account were the trouble accounts.
Consumer complaint received 2022-01-19
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. (CA)

Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a XXXX XXXX ove r XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.