davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-20
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: Global Lending Services LLC (IL)

XXXX XXXX XXXX Sales Associate ran credit report with other lenders after I explicitly advised staff that I all already had a pre-qualification later and was pre-approved for auto loan financing through XXXX XXXX XXXX. I told the associate explicitly that I did not wish to have any hard inquiries on my report and that I only was seeking financing with XXXX   XXXX and that I only authorized my credit to be examined through XXXX   XXXX. I already had credit monitoring and an active credit card account with XXXX XXXX. XXXX XXXX XXXX appears to have ran my credit with the folllowing lenders, which are XXXX XXXX, XXXX, Global Lending and XXXX  XXXX all on XX/XX/XXXX. All of these hard inquiries will remain on my credit report until XX/XX/XXXX. I did not authorize for any of these companies to run my credit profile. I only wanted to determine an approval for auto financing ONLY through XXXX XXXX XXXX.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/year>XXXX  My correct Social Security number:XXXX My correct address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX My employer is : XXXX XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-11
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. (TX)

XXXX XXXX XXXX has a collection listed on my credit report for XXXX XXXX XXXX XXXX. I was a victim of Identity theft in the Equifax Breach. I filed an affidavit and sent copies to all three bureaus in XX/XX/2018. I have called Equifax, and XXXX   repeatedly, and disputed the error, I have emailed/ faxed them to their company as requested a copy of my supporting documents " affidavit, and have gotten no response to the emaile/faxes, and rude, offensive customer service, regarding my complaint / dispute. When I call. I have also called, Equifax, and XXXX. Neither Equifax, nor XXXX have corrected this on my credit report. I have disputed this with each, with no correction. XXXX was also informed of the fraudulent account/ collection, and immediately removed it.
Consumer complaint received 2024-10-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Extreme failure on TransUnion Organization to safeguard fraud victims. TransUnion inability to acknowledge teamwork in overseeing delicate matters at hand is truly and undeniable a catastrophic failure in there unorganized structure in there workforce to acknowledge of laws governing credit reporting and lack of empathy for fraud victims. Case in point, a Federal Trade Commission Report was submitted to TransUnion, detailing all fraudulent accounts. TransUnion failed miserably, to simply comprehend such a clear lawful order. XXXX and XXXX understood the laws governing credit reporting and cleared all fraudulent accounts accompanied with Federal Trade Commission Report, detailing identity theft.
Consumer complaint received 2024-10-22
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. (NY)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXXXXXX
Consumer complaint received 2024-10-22
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. (TX)

As per 15usc 1611 XXXX  Transunion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. CXXXX XXXX XXXX XXXX Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency
Consumer complaint received 2018-05-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BBVA FINANCIAL CORPORATION (TX)

We contacted our bank which our home loan is through to let them know about our situation change- going from 2 sources of income, to only one. ( I had gotten laid off from my job, then I got very sick and was in out of hospitals ). After HOURS of going to different branches trying to make a mortgage payment, only to be told we dont know why we cant process your payment only to get returned check fees and no one returning our calls, I made myself sick from all of the stress, XXXX, and helplessness I felt! I literally left 5 vms yelling and begging someone to PLEASE call me back so we can pay them!!! Guess what? NO CALL, and now a foreclosure letter demanding an insane amount of money within 30 days, or our house could be sold!! I called that COLLECTION company over 5 times only to get the run around and some young girls sounding like they are reading a script and tell me sorry we cant help you. I am so lost for words and just want to be treated like a human, is that too much to ask???
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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 : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them
Consumer complaint received 2018-09-19
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

XX/XX/XXXX-I submitted two letters to XXXX regarding an account that recently showed up on my report in which I am disputing. I have no knowledge of this account and asked that the physically/manually verify this account information. The results of their investigation are simply, " verified '' however, i have asked that multiple items of this debt be verified because it does not belong to me. I have also found that the accounts in question XXXX XXXX, based in Utah and XXXX, with an address in Ohio and Florid may not be licensed to collect in the state of Florida. I am in the process of submitting a complaint to the FTC Department. 


XX/XX/XXXX-I received results of the investigation simply stating the following, " the company that reported the information has certified to XXXX/XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. "  XX/XX/XXXX-I sent a certified/return receipt letter to XXXX formally asking that they provide actual EVIDENCE that I have a legal obligation to pay and ask that they provide detals of the monies they say I owe as well as provide me with a copy of the judgment they received, to identify the original creditor, copy of an agreement, as well as a copy of their license to collect in my state. I received noticed from them XX/XX/XXXX simply providing a list of accounts with balances and no further details of what I had originally requested. 

XX/XX/XXXX-XX/XX/XXXX and 9/18/2018 I have also sent a re investigation request into the accounts that XXXX/XXXX/XXXX claim that they have verified via certified mail. 

XX/XX/XXXX-I sent a letter to the collection agency XXXX XXXX asking that they provide me with the full details of what they claim I owe, license information, original creditor information, payment history, proof they are licensed to collect in my State which I have found they aren't, as well as a cease and desist letter since they have attempted to contact me at my place of work as well as social media platforms on XX/XX/XXXX and XX/XX/XXXX. I provided they with my findings and a copy of the Florida Statute they are in violation of. 

XX/XX/XXXX-XXXX sent notice that the accounts in question had been removed due to unable to verify, however, Equifax is refusing to comply. 

I have been disputing the debt with XXXX since last year and Equifax is the only company refusing to comply and be in line with the other companies that have already deleted this information that could not be verified. In turn they are repeatedly sending me basic information as to how they verified with the third party these debt belonging to be which is a clear violation of my rights.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

RE : XXXX Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXXXXXX - XX/XX/year> - {$3000.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2018-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: QUALITY ACCEPTANCE LLC (TX)

I XXXX have spoke to someone at Quality acceptance which I have a car loan repossessed my vehicle on XX/XX/XXXX .I spoke a several different agents telling me I have 20 days to redeem my vehicle and it will not be a repossession on my credit. On XX/XX/XXXX they reported it repossessed and it showed up on XX/XX/XXXX. I called back and 2 other agents told me it will be changed and will just continue and repossessed will not be on my credit. Everything is not adding up I'm trying to purchase a home due to close which I told them next thing you know I see this info on my credit. How can they do this to my credit when I'm current and they told me I have 20 days and it won't be placed on my credit if I redeem in that time frame. Which it was. Please assist me with this situation. My family needs their home.
Consumer complaint received 2018-09-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (SC)

After several years of applying my monthly mortgage over-payment directly to the pri? nciple balance, my statement this month from Select Portfolio Services , Inc. says they are placing extra money in an " unapplied '' or Partial Payment column. The footnotes suggest when the amount equals a full monthly payment, it will be credited to my mortgage balance. First of all, I never asked Select Portfolio Services , Inc. to save money for me. If I am not the only victim here, how much free money is SPS accumulating for their benefit and the detriment of everyone wanting to chip away at that principle mortgage balance? Do they have some lofty goal for the use of all these surplus funds or are they just trying to discourage paying off mortgages before maturity? As a mortgage loan " Servicer '', are they not already accepting a fee for handling my account? Could the fact that I was forced into Bankruptcy to protect my house ( which means they won't communicate directly with me ) make me vulnerable to a mortgage loan servicer or whomever they represent? Is this designed to pressure me to do even more? I have never missed a payment, always paying more, never paid a late fee. Select Portfolio Services , Inc. threatens the very notion that you can retire that mortgage early!
Consumer complaint received 2018-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I had fraud charges filed on 4 credit cards with Capital One credit card company. 
All of this problem started in XX/XX/XXXX I complained about charges on my cards and Capital One sent the information to their fraud Dept. The fraud department suggested that they change my card numbers and they sent me 4 new cards. When I got the new cards there was charges on the new cards that was not mine. I now have about 35 new cards that Capital One sent to me during this period of time with emblems on the card to go to Capital One.com/activate, which I would not do, because when I received the cards there were charges on the card that were not mine. I have not used any of these cards since XX/XX/XXXX. On one card Capital One owed me money and they sent me a check for that amount and at that time I requested Capital One to close all my accounts, which they did, as I assumed that this would be the only way to stop charges on the accounts and it did work. One time I asked Capital One how could people charge on my cards and they said XXXX XXXX would let them charge and Capital One said they had no control over XXXX XXXX, because Capital One had an agreement with XXXX XXXX and they were responsible. 

I have been trying to clear up this matter with Capital One since XXXX and they sent me letters saying I would not be responsible for the fraud charges and I would not have to pay for this problem, which they have honored up until now. They have on my credit reports that I was late in XX/XX/XXXX, which I did not know they were settled. When I found out I started making minimum payments on three account to keep these charges from showing up on my credit report. 

Capital One has said they are going to fix information on my credit reports, but it will take 60 to 90 days to have the information recorded in the reports. 

I have an application for a VA loan on a home that the Bank said unless I get this information cleared up they are going to have to cancel my loan and turn the application down for credit problems.
Consumer complaint received 2018-09-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FIFTH THIRD FINANCIAL CORPORATION (VA)

I purchased a new XXXX XXXX pickup truck in XX/XX/XXXX. The loan was through Fifth Third bank. I provided proof of insurance at the time of the purchase making 5/3 bank the loss payee. In XX/XX/XXXX I started receiving notices that they could not confirm my insurance on the truck. I sent them the declaration page. XXXX I received another notice, same issue. This time I had XXXX XXXX send in all the insurance information as proof of insurance. For the next 5 months I continued to be inundated with monthly bills for unpaid insurance amounting to {$4600.00}. 5 bank was charging me approx {$1000.00} per month for what they call collateral protection insurance ( CPI ).  All along I am emailing them proof of my insurance. On XX/XX/XXXX, they repossessed my truck at XXXX, from my driveway. I received a threatening letter from XXXX XXXX and one from XXXX XXXX ( VP ) stating they have my truck and unless I pay the {$4600.00}, they will sell my truck at auction on XX/XX/XXXX. So i didn't have my vehicle for 2 weeks and this was a huge burden on my schedule and my family. The problem is the 3rd party insurance company they own has call screener 's so there is not just one person handling an account. When I tried to explain the situation to the bank, they blame it on the insurance company and vise-versa. In my opinion this is a scam targeting high end vehicles, because they know they'll pay off just to get the vehicle back. I did not pay them off and they realized that they had no legal right to sell my truck for an unwarranted claim. Then they said I had to pay the {$400.00} towing bill to get my truck back! Why? Fifth Third bank made a phony claim, why do I have to pay? They eventually dismissed all charges but the damage was done. When I got my vehicle back my keys did not work because the had a locksmith go to the impound lot the very next day and have keys made. When they did this my programmed keys were erased and my theft deterrent system is now damaged. I had to tow my vehicle to the dealer to fix it and that's where it is today. All this because Fifth Third bank tried to squeeze {$4600.00} out of me. This is a scam and needs to be stopped. I'll never deal with this bank again. I also informed the nationwide dealership to consider the loans they are selling to their customers because of Fifth Third Banks unscrupulous business practices.