davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-05
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. (MD)

I recently reviewed my credit report and found unauthorized inquiries. 
I tried to contact the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be  inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX Business Name XXXX Inquiry Date XX/XX/XXXX Business Type Mortgage Reporters XXXX BYMAILONLY XXXX XXXX XXXX XXXX , XXXX  XXXX Business Name XXXX Inquiry Date XX/XX/XXXX Business Type Auto Financing Companies XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX   XXXX Business Name XXXX XXXX Inquiry Date XX/XX/XXXX Business Type Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Business Name XX/XX/XXXX Inquiry Date XX/XX/XXXX Business Type Auto Financing Companies XX/XX/XXXX BYMAILONLY XXXX XXXX XXXX XXXX , XXXX XXXX Business Name XX/XX/XXXX Inquiry Date XX/XX/XXXX Business Type Auto Financing Companies XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX , XXXX XXXX Business Name XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Business Type Finance Companies - non specific XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX Business Name XXXX XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Business Type All Banks - non specific XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX Business Name XX/XX/XXXX XX/XX/XXXX Inquiry Date XX/XX/XXXX Business Type Automobile Dealers, Used XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX Business Name XX/XX/XXXX Inquiry Date XX/XX/XXXX Business Type Personal Loan Companies
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Credit Bureaus are not reporting accurately. i called them and sent in my Identity theft report and verification from all third parties located on all three bureaus on my credit report, that they could not provide original contracts or signatures or provide proof of debt. I was nowhere to be located there for these things listed on my credit are false and need to be removed. Therefore by law have to be removed from my credit report. All collections need to be removed under 15 U.S.C. 16929c ) ( g ), All charge offs need to be removed under 15 U.S.C. 1601 15U.S.C.16819 ( c ) 2, ( e ), ( i ), All late payments need to be deleted 15 U.S.C. 1666 ( b ), 15U.S.C 1637 ( a ), all car repos need to be deleted 15 U.S>C> 1681 ( s ) 2 and all Hard inquiries need to be deleted 15 U.S.C. Code 1681 ( n ) the items that need to be removed are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or more of these companies violate the Fair Debt Collection Practices Act 15 U.S.C section 1692, et seq the FDCA, The XXXX XXXX XXXX Debt Collections Practices Act Cal. Civ. Code section 1788, et esq the XXXX XXXX
Consumer complaint received 2018-06-04
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 HONDA FINANCE CORP (FL)

XX/XX/18 I went into XXXX XXXX XXXX with a pre-approval bank draft from XXXX XXXX XXXX XXXX to purchase a XXXX  XXXX XXXX. Even though I had secured financing on my own, I was required by Sales Manager XXXX XXXX to fill out a credit application. With a confused look, " I asked why am I filling this out when I already have financing set up? '' He replied with, ''this form is just for verifying your identity to make sure you're not a XXXX, I'm not pulling your credit or anything like that. '' So reluctantly I filled it out thinking that he was being honest about what he had just told me. Later on that day, I received an email alerting me that my credit had been pulled by XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, which infuriated me. I contacted XXXX XXXX XXXX about this and the most that they could offer was an apology and second free of gas. I only completed the credit application because XXXX had informed me that my credit would not be reviewed and for that display of unethicality and unprofessionalism, I have submitted a dispute with XXXX. XXXX and XXXX will not allow me to submit a dispute without a Letter of Deletion from XXXX XXXX XXXX. So I reached out to XXXX XXXX XXXX yet again and got in contact with the Finance Manager XXXX XXXX, who's claiming that he is not aware of a letter like this so therefore I'm submitting this claim with hope that you all can help me. Additionally, if it helps at all, I do have an audio recording as proof that the inquiry was never authorized.
Consumer complaint received 2018-06-04
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Cooling & Winter LLC (GA)

On or around XX/XX/XXXXI received a letter in the mail dated XX/XX/XXXX. This is the first and only communication received from Cooling and Winter. No follow up letters or phone calls. 

I made contact with XXXX in order to set up payment arrangements, before I would be sued. However, I found out during that conversation that a lawsuit had already been filed. However I proceeded to set up an arrangement in the amount of {$50.00} a month for however long it took to pay off XXXX in debt as a means to resolve the referenced account and that they would be willing to partake in a consent order as a means of negotiating. During which I was instructed to not make a payment on the account until I receive forms to sign showing a contracted agreement. 

All of which brings me back to the letter. I had not received a phone call or letter from XX/XX/XXXXto present regarding the matter. Which means I had no time to respond. 

To which the letter indicated that no attorney at the time had evaluated or revised the circumstances of my account. 

Today XX/XX/XXXX, I received a phone call from my wife who took it upon herself to call to try to negotiate with XXXX. 
No permission was given to Cooling & Winter to speak to her regarding my account. My wife indicated to me that not only did he provide information regarding this debt, but that a lawsuit was being processed, that an arrangement was set up and the amount. He also gave her information as to how much was owed. She was trying to negotiate the account without my permission in trying to help. 

During said conversation, XXXX informed her of information regarding the consent order and payment information that O myself was not aware of because he failed to contact me. 

While my wife is aware of the money that goes in and out of my account we handle things of this nature separately. And frankly I dont appreciate my information being shared without my explicit written or verbal permission. 

Mind you since XX/XX/XXXXI have called and left messages regarding ng je paperwork XXXX was fo send for signing and never received communication.
Consumer complaint received 2018-06-05
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: EQUIFAX, INC. (NY)

Someone got my information and try opening up accounts in my name and theres a lot of inquiries on my report. XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2018-06-05
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. (MI)

I have had a Sears Credit card for over 2 years. On XX/XX/XXXX Sears ( Citibank ) reported me 30 days late to all 3 credit bureaus. I have not missed a single payment and recently ( XX/XX/XXXX ) sent dispute letters to all credit bureaus challenging the 30 day late payment. The Credit bureaus did not update the late payment from my report instead they updated my Sears account as closed and recommended that I reach out to sears for further disputing. I have not received any proof that I was 30 days late. I subsequently sent a " Request a goodwill removal of a negative on this account '' Action to SEARS CARD SERVICES - BILLING on XX/XX/XXXX. I received the following attached document from Sears which was not helpful. Furthermore, Sears closed my credit account without my approval and knowledge. I had a XXXX credit balance and by closing my credit card I lost all the benefits to my credit history and available credit which also negatively affected my credit report.
Consumer complaint received 2018-06-04
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I contacted Capitol One with a Goodwill letter to remove my one late fee back in XX/XX/XXXX due to family emergencies. My mother was diagnosed with XXXX XXXX and I had to get flights to go help her with XXXX. I spoke with someone from the executive office XX/XX/XXXX who would not help me to remove my late fee. I have never been late before other than this one time.
Consumer complaint received 2018-06-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Our company makes pet food. Our food is made by co-packers. We received an email with an invoice from our co-packer ( an LLC ) as was expected. We then received a subsequent email on the same email thread from the co-packer updating their banking information. They asked that for any further invoices that I pay this new bank account ; so we sent both of the payments outlined below to this new bank account. 
On XX/XX/XXXX we were contacted by the LLC to say that they were a victim of a phishing scam and not to pay any new bank accounts. We then realized that it was too late, we already had paid this fraudulent bank account. 
We immediately contacted our bank ( XXXX XXXX ) and their fraud department but it was too late to recover the money. XXXX XXXX XXXX   fraud department has been in touch with Bank of America, the bank where the money was transferred. We have filed an FBI report, two police reports and hired a lawyer. 
We have been advised by XXXXXXXX XXXX, that the Bank of America account where we transferred money was a fraudulent account. The name of the account was an individual, who we are told is a senior citizen that collects social security payments. The two ACH payments we made to this fraudulent account were made payable to the LLC ( our co-packer ) and ACH payment ( XX/XX/XXXX payment was in the amount of {$28000.00} and XX/XX/XXXX was in the amount of {$35000.00} ). We believe these deposits to be significantly larger then the typical payments the account owner normally receives. We have also been advised that the account owner immediately transferred both payments to another fraudulent account in Texas and that the account owner kept several thousand dollars from each of those deposits. When the account was examined, it was found to contain virtually no funds. The conclusion was that this individual is a money mule. 
We have been advised that generally a deposit will be titled to the same name as that on the account and based on a threshold dollar amount the deposits should get closer scrutiny. This did not appear to happen even though we believe that those two ACH payments are significantly larger than the normal deposits into that account. 
Our concern is that the ACH payments we made went into a fraudulent account and unusually large deposits were not titled to match the name on the account where they were deposit by Bank of America ( i.e., we paid an LLC not an individual ) We want our money returned to us as it was clearly put into a fraudulent account.
Consumer complaint received 2018-06-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC (PA)

National Recovery just reported a {$1500.00} medical debt on my credit report. Prior to reporting this debt to the credit bureaus, I did not receive a notice of my right to dispute. I would have contested the debt, but I wasn't given the opportunity. By reporting this debt on my credit report without a 30 day notice to dispute, they have violated my rights under the Fair Debt Collection Practices Act.
Consumer complaint received 2018-06-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (SC)

I refinanced my home in XX/XX/2017 with Quicken loans. My ex-wife was on the previous mortgage and she was also the named insured. Part of the refinance was to remove my ex-wife, XXXX XXXX, from both the mortgage and the deed. During the process of closing, Quicken loans obtained a policy number from XXXX XXXX and paid the amount to XXXX XXXX that was due on the policy. The policy that Quicken loans paid was the old policy that XXXX XXXX was named on. XXXX XXXX had already released XXXX XXXX and when they received the money, they immediately sent it to XXXX as an overpayment. Quicken loans then discovered that they had paid the WRONG policy and sent out another payment for the right one. 
During the Escrow analysis in XX/XX/XXXX, Quicken loans determined that my escrow was short XXXX XXXX XXXX dollars and XXXX cents. Quicken then sent the escrow analysis to me in the mail giving me the option to pay it back over 12 months or one lump sum. I have no idea what the process of refinancing a house is which is why I had an attorney at closing. I did not receive, nor benefit from the money that XXXX XXXX received in error. I have made my mortgage payment on time, and have done everything I should do, and I do not feel that I should have to pay for someone else 's mistake. ( i.e. Quicken Loans, XXXX XXXX, or XXXX XXXX XXXX. )
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXXXXXX XXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX # 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 an account without my written instructions.

15 U.S.C.1681c ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-12
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: Experian Information Solutions Inc. (NJ)

Invalid Inquiries on my Experian Credit Report : JXXXX 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 2018-06-05
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 (CA)

My Capitol One Quicksilver account ( Credit line of {$20000.00} ) was closed in XXXX due to inactivity, which has been disastrous for my credit score since it was among my oldest and largest lines of credit. In over a decade of having the account open, the account has never been delinquent, which I feel would make Capital One consider me a long time valued customer. I never received a warning or any notice whatsoever that the account closure was imminent. Only long after the account was closed did I receive a notice that it had been closed. Needless to say I am shocked that I was never alerted via the website, mobile app, email, phone, or at least sent a regular post letter giving me time to address the situation. Had I been made aware of Capital One 's intentions, I never would have allowed this account to be shutdown. 

According to the Credit Card act of 2009, HR 627, SEC. 101. PROTECTION OF CREDIT CARDHOLDERS. ( a ) ADVANCE NOTICE OF RATE INCREASE AND OTHER CHANGES REQUIRED.- ( 2 ) ADVANCE NOTICE OF OTHER SIGNIFICANT CHANGES REQUIRED .In the case of any credit card account under an open end consumer credit plan, a creditor shall provide a writ- ten notice of any significant change, as determined by rule of the Board, in the terms ( including an increase in any fee or finance charge, other than as provided in paragraph ( 1 ) ) of the cardholder agreement between the creditor and the obligor, not later than 45 days prior to the effective date of the change. 

I should have been notified that my account was being closed 45 days before any action on the creditors part was taken. 
I have spoken to customer service agents on two separate occasions ; once back in XXXX when I found out the account has been closed, and once today ( XXXXXX/XX/2018 ) after finding out that another Capital One customer in the exact same predicament as myself was able to successfully get their account re-opened. The URL below links to a twitter feed from this person : XXXX XXXX   XXXXXXXX XXXX Upon further internet research, I've have seen additional evidence to find that Capital One indeed does re-open accounts if they were closed by the creditor, not closed by the consumer. 

XXXX : XXXX # XXXX When I asked the Sr. Account Supervisor I spoke with today, ( ID # : XXXX ) how my account was closed without my knowing, and who can make the decision to reverse this, I was told that it's on a " case by case basis '' and he refused to discuss the matter further. When asking who I could further inquire to beyond his abilities, I was told that his superiors, however, he refused to give me any information on how to contact these superiors except for the fax number and PO Box for general correspondence. 

It is discriminatory that Capital One 's policy seems to be able to grant preferential treatment randomly to whomever they deem deserving of leniency.
Consumer complaint received 2024-10-12
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: Experian Information Solutions Inc. (TX)

XXXX XXXX Account number : XXXX to whom this may concern, This account was paid in full for deletion and is still showing in my credit report. please delete. 
Thank you
Consumer complaint received 2018-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX has made every attempt not to give me my credit report and charging me money without lettingCredit Report Summary Your XXXX  credit file includes identifying information, trade line/account information, inquiry information, public record and collection information. 

Identifying information includes information that is used to identify you such as your name, address, Social Security Number, date of birth and employment information. This information is not used in scoring. Updates to this information typically come from information you supply to lenders. 
Trade lines are your credit accounts. Lenders report on accounts you have established with them. They report information including the type of account ( bankcard, auto loan, mortgage, etc ), the date you opened the account, your credit limit or loan amount, the account balance and your payment history. 
Inquiry information contains information about companies that have requested and/or viewed your credit report information typically within the last two years. 
Public Record and/or Collection Information are public record information such as judgments, tax liens and bankruptcies. Your credit file may also contain collection account information from professional services e.g. doctors, hospitals, cable companies, etc. that have been turned over to an outside collection agency. Not all credit files contain public record and/or collection information. me see my score b/c i sued them b/c of the breach will not let me see my score but still charging me
Consumer complaint received 2018-06-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Richland Bureau of Credits Medical Service Bureau Inc. (OH)

XXXX XXXX placed a collection on my credit report that does not belong to me. i have not signed any documents or agreed to any terms for treatment from their collectee, XXXX XXXX XXXX.
Consumer complaint received 2018-06-04
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. (PA)

TransUnion File Number XXXX Date:XXXX  TransUnion has under Supplemental Consumer Credit Information XXXX XXXX Inquiries in the last 7 years:12 I have not applied nor received any XXXX XXXX as stated by TransUnion there has not been any XXXX XXXX nor applied to as stated by TransUnion. I need documented proof of who and what XXXX XXXX place there was a XXXX XXXX loan received by me and the company name and city and full information this was done.