davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-05
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. (FL)

This notice is to inform you that you are unlawfully reporting unauthorized inquiries on my consumer reports. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. I have not initiated any transaction with these companies. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. 
XXXX when doing your proper investigation, it MUST be accurate and complete, please attach ALL evidence showing these inquiries are mine and also attach the original contract that will prove. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that these are my inquiries. 

I have account with these companies. 
The following inquiries are listed on my consumer reports are false and inaccurate : 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 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 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 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 XXXXXX/XX/year> credit reports listed below with the dates attached to inquiries that does not show open accounts on these dates. I do not contact these companies by law if there is not account attached to these date and companies and there is no proof of validation give to me the consumer they must be removed immediately required by law.
Consumer complaint received 2023-12-29
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: EQUIFAX, INC. (VA)

About a year ago, I found out about some accounts on my report. I tried in several occasions to get it removed but I was denied. XXXX XXXX, I discovered some information on my credit report that did not seemed correct. it occurred to me someone has been probably gotten my identity information to use. Applying for job I didn't apply, trying to open credit card account etc. 

Also some of the accounts that were on collection. I paid off and yet they've refused to removed it from my report. 

Account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiries Name XXXX XXXX via XXXX XXXX  XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX  XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2023 I made a XXXX XXXX withdrawal at the XXXX XXXX machine in the bank. There were XXXX ladies and a man in the XXXX XXXX area. The machine said, " Can not continue, '' the man said, " Just hit continue and you will be able to do your transaction. '' I hit continue and withdrew the cash. XXXX of the ladies said, " You dropped a {$20.00}. '' And handed it to me. I left the bank and the XXXX ladies followed me, XXXX of the ladies was saying that the {$20.00} was hers after all so I gave her the {$20.00} and left. Less than an hour later we went to get gas but I didn't have my debit card so we went back to the bank to see if it was left there. The banker I saw looked up my account and saw that there were XXXX XXXX purchases with cashback, another at an XXXX with cashback, and {$700.00} in cash taken from an ATM and they somehow through my debit card {$200.00} was also taken from my wifes account. There were XXXX claims opened at the bank, XXXX for the {$700.00} cash station withdrawal, another for the grocery stores, and XXXX for the {$200.00} taken from my wife 's account. On XX/XX/XXXX the bank reimbursed my account for the grocery store purchases and on XX/XX/XXXX they reimbursed the {$200.00} to my wifes account. Today, withoout any notice they took away the reimbursed groccery store purchases. ( We also filed a police report with the XXXX XXXX Police and brought it to the bank where it was faxed to the claims deartment ).
Consumer complaint received 2018-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IL)

Experian is impossible to reach to place a credit freeze on my credit. Both XXXX and XXXX were able to freeze my credit online. Experian can not verify my identity online, by phone, OR BY MAIL WITH PROOF OF IDENTITY. I 've simply been rejected for a credit freeze no matter which route I take, and it is impossible to reach a live human being to sort out the issue at Experian. Experian seems to be intentionally frustrating consumers and making it difficult to place security freezes through any option they make available including mail. How am I supposed to protect myself when I ca n't place a credit freeze by design? This company should be reprimanded for not providing the services they claim to offer and intentionally defrauding consumers as a shady credit bureau.
Consumer complaint received 2018-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX XXXX chose to switch my XXXX XXXX  credit card to another account without notifying me, failed to send notices of due dates and amount due, and the reported me as 30 days late to credit agencies ( 3 ). I have protested this to Capital One and the reporting agencies without satisfactory changes to the reports. Complicating the situation was was serious illnesses, XXXX, and multiple XXXX, during which I had to rely upon others to pay my bills, which made receiving those bills in a timely manner necessary to pay them in a timely manner. When I was able to follow up about paying the bill, Capital one could not find my account, because they had transferred the balance to a different account with a new number, which they reported as past due. When they tracked down the account I paid the entire balance. They still would NOT change the report to make it accurate.
Consumer complaint received 2018-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I Called XXXX XXXX today X/XX/2017 in regards to an account balance showing my my credit reports, there was no account listed in their system for me. The reporting address for the alleged debt is XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (UT)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2018-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LD Holdings Group, LLC (VA)

In her response to our CFPB complaint ( XXXX ), XXXX XXXX XXXX has used inaccuracies to justify LoanDepot maintaining a Delinquent Account alert against my credit reports. She states that all statements concerning this situation were sent to me and also placed on their website ( attached ). This is not true! I never received these documents and was completely ignorant of their existence till we received their letter dated XXXX XXXX XXXX with a XXXX check as return payment for our XXXX XXXX loan payment ( attached ). We immediately sent in a total of XXXX in a check and electronic payments to get us current. 
Based on my immediate monetary response to LoanDepot after receipt of the only document ever " sent '' by LoanDepot, I feel the " Delinquent Account '' notification against my credit reports is no longer justified but is being maintained to punish me.
Consumer complaint received 2023-12-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: VYSTAR CREDIT UNION (FL)

XX/XX/XXXX In XX/XX/XXXX, Vystar XXXX XXXX XXXX sent me a notice that they did not have a record of our Homeowner 's Insurance for the XX/XX/XXXX - XX/XX/XXXX period. I immediately called the company and asked what needed to be done and had our XXXX XXXX send Vystar our declarations page for XXXX 's XXXX. 

Vystar had also, in the meantime, force-placed insurance and charged me late fees for not paying the insurance. Which should not be completed as they are a second lien holder. I asked for all this to be removed and for my credit report to be updated accordingly. The first two items were completed, but not the third. 

Enter XX/XX/XXXX. Our Homeowner 's Insurance was written with a new company and the first installment of {$740.00} was paid on XXXX XX/XX/XXXX ( see pdf attachment with confirmation of payment on date ) and cleared our checking account XXXX XX/XX/XXXX. VyStar was added as the Second Lien Holder for this policy and our Insurance Agency sent the new declarations page to Vystar and our First Mortgage holder. Vystar stated they did not receive this. I sent the new declarations page to them multiple times over a month and a half period ( ranging from XXXX XXXX - XXXX XXXX ) before receiving a confirmation that they did receive this policy ( XXXX XXXX ). 

Now, today, XXXX XX/XX/XXXX, I receive a letter from Vystar dated XXXX XXXX stating they paid our Homeowner 's Insurance for the XXXX term. This is incorrect for multiple reasons. 
1 ) We have not escrowed our homeowner 's insurance or property taxes.

2 ) Vystar is a second lien holder and as such they would not be in the place to pay an insurance policy or taxes.

3 ) They were not authorized to pay our Homeowner 's Insurance.

Lastly, this company will now charge further late fees, want to collect back money they incorrectly distributed to our Homeowner 's Insurance company, and they will report this HELOC as late to the Credit Bureaus with is further incorrect. 
My interactions with them ( contacted them well over a dozen times ) prove to be fruitless as I get transferred around, placed on hold, sent to voicemail and my messages are returned days/weeks later and that person is not willing to solve the issues. 

I am need of some clarity/resolution by CFPB due to their incompetence as a bank. Thank you. 
XXXX XXXX.
Consumer complaint received 2023-12-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: United Consumer Finance, Inc. (PA)

Dear, Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a matter of significant concern regarding my interactions with United Consumer Finance Inc. As a consumer who has been diligently managing financial challenges throughout XXXX, I find myself in a distressing situation with the aforementioned company. 

Despite my continuous efforts to meet payment obligations, I regrettably fell behind on payments, resulting in my account reaching a repo status with a current outstanding balance of {$1000.00}, as of XX/XX/XXXX. I acknowledge my responsibility in this matter and have recently secured a full-time job, aiming to rectify my financial standing. 

My attempt to engage in a negotiation process with United Consumer Finance Inc has been met with considerable difficulty, particularly when dealing with the repo department. Unfortunately, the individual handling my case has displayed a disconcerting lack of willingness to cooperate and explore viable solutions. It is disheartening to experience such a rigid approach, especially considering the precedent set by other financial institutions that extend support to customers facing financial hardships. 

I am reaching out to your esteemed organization with a genuine plea for assistance. I am eager to negotiate a reasonable payment plan or explore potential avenues for refinancing to settle my outstanding balance promptly. I believe that a cooperative and understanding approach would be beneficial to both parties involved.

I kindly request your prompt intervention to facilitate a resolution with United Consumer Finance Inc. Your assistance in this matter would not only provide much-needed relief but also restore my confidence in fair and ethical financial practices. 

Thank you for your attention to this matter, and I trust that your intervention will contribute to a positive resolution.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Sometime in XX/XX/2022 Bank of America ran a hard inquiry on my credit and made my credit score drop. I tried reaching out to them to let them know I wasn't the XXXX applying for credit with their financial institution because I don't use Bank of America. They gave me the rum around and never solved the problem and this hard inquiry is still in my credit report. They were suppose to send a letter to me and XXXX but I never got any letter about removing this Hard inquiry from my credit and I don't even think XXXX got that letter either. I need this to be solved because Bank of America needs to do better with their fraud department when it comes to cases like this.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

The XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Dear sir, I have received several emails from so-called Experian on results of credit report disputes, credit score information, credit cards offer, saving offer, car loan offer, and service for the consumer individual saving. I would like to inform a following issues, which I have already sent to Consumer Financial Protection Bureau. There are three email addresses which relate with Experian, XXXX, XXXX, and XXXX. The first email address, XXXX sent many offers, which do not relate with credit report at all. Other two emails offer credit report. The first one has the website of Experian, XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX registration. After I wrote about this much, I tried to find out the links of these two credit reports. I found out the former one, which I believe it was the information of credit report or, otherwise, the information of saving accounts, turned into the credit cards offer link XXXX XXXX XXXX XXXX XXXX XXXXXXXX 

In these credit reports, there are the mentions of my credit cards account. It looks I have two accounts, which both start from XXXX. In usa.experian.com, the first account record says the account was open XX/XX/XXXX, and this one I agree. However, the account was closed in XX/XX/XXXX, even though I still use. And its balance history was {$0.00} from XX/XX/XXXX, which was the remaining record or observable record in website. And this account was closed due to the customers request, but I never asked to close to XXXX XXXX XXXXXXXX. Another account record of same account number says account was opened on XX/XX/XXXX. XXXX XXXX XXXX, XXXX XXXX, TX XXXX ( XXXX ) is the contact number for both accounts. Another Experian credit report seemed to say the monthly payment ; however, now after 20 mins., the report says {$0.00} payment, even though I must have had the payment. 

Since I have observed that these two Experian credit report suppliers change the content of report in the name of the result of dispute without my request, such as the year of my birth and one questionable function, fraud alert, which disappears after I requested, then appears again to add fraud alert nest time ; that means, the latter Experian asks me to add fraud alert every time, even though, now, there are extended fraud alert. Since the contents of these reports are not reliable, especially on internet, I would ask Experian, addressed Experian, XXXXXXXX XXXX XXXX  XXXX, TX XXXX To provide the formal written credit report. As far as I remember, I have not received any from this company, even though other three credit report companies have sent the formal written one to me as their evidence to let me dispute properly. 


Sincerely,
Consumer complaint received 2018-01-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Preferred Collection and Management, Inc. (FL)

I have contacted this company and disputed these charges prior to doing this. I have set up a payment plan wit the Original Debtor XXXX XXXX to pay payments on all debts in their system in exchange for these being taken off of my credit, its close to {$5000.00} plus dollars. I have been making complete payments and also on time. And there were three debt collectors, XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX. The other two besides XXXX XXXX XXXX have removed their 's but this company refused to. I have no contract with them as well as no debt with them, and furthermore .... before I disputed the charges on my report I NEVER RECIEVED ANY SORT OF NOTIFICATION on this debt, which I received on X/X/18. So not having my information is no excuse to not follow guidelines here. I had no clue my insurance did n't pay these items UNTIL IT HIT MY CREDIT!!!!!!!!! This is a shady tactic used because I applied for a loan. Im very disappointed because all I had to do was make a phone call to them and my insurance to handle it. Please remove this as the client and the consumer requests before any further monetary damage is made to my credit. Thank you.