davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-05
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. (GA)

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. 

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 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction. Your Company did not even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement. 

According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. 

Since adequate notice was not given as per the above-mentioned section, I could not understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors and unfair credit card practices.

From your end, I have not benefited from this transaction which is again a violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ), the term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from which the cardholder receives no benefit. 

I hereby request you to do the below-mentioned thing. 
DELETE THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( XXXX ) XXXX XXXX CAPITAL ONE  XXXX XXXX XXXX XXXX If you accept my request , I will not escalate this matter to Federal Court, in case, you do not accept the above request a legal action may be taken against your company for compensatory damages.

Thank you for your attention to this matter. 

Sincerely, XXXX : XXXX. 

All Rights reserved without prejudiced
Consumer complaint received 2017-12-04
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: DISCOVER BANK (AL)

I have had a Discover card for 25 years and have always paid my account in full and on time. In XXXX XXXX 2017 I became the court-appointed conservator for my father who is currently XXXX years old and has no income other than Social Security. Two years ago Discover sent him an offer for an unsecured personal loan for {$35000.00} which he took. He sent the money to XXXX XXXX because he was involved in a gold scam. On XX/XX/XXXX I received a notice from Discover ( see attached ) suspending my charging privileges because of an unpaid personal loan. I NEVER took out, signed for or received money from Discover Personal Loans. Discover, according to XXXX, has decreased my credit score from XXXX to XXXX ( see attached ). I feel Discover was negligent in offering an XXXX-year-old an unsecured loan.
Consumer complaint received 2023-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XX/XX/XXXX, I contacted my bank about an extreme amount of fraudulent charges from my checking account. At the time, there was over {$700.00} of charges that were not made by me or my spouse. There were pending charges of approximately {$120.00}. I was told once they cleared, I was to contact the bank again. When I did, they only reimbursed the approximate {$120.00} and said they needed to research my dispute. Some of the charges included Waiter and XXXX which are not even available in our area. There were charges from XXXX and XXXX which my spouse has never ordered from. I received their decision letter on XX/XX/XXXX, stating that because we had the debit card in our possession, they could not reimburse me. I appealed the decision and received the appeal decision dated XX/XX/XXXXXXXX  stating that they stood by their decision and I would not be reimbursed. I do have the bank statement showing all of the purchases and dates. The claim # from Capital One is XXXX. If any more information is needed, I can be contacted by email or phone. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La. XXXX email : XXXX ph : XXXX
Consumer complaint received 2023-12-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (IN)

Last year in XXXX, I was car jacked by two XXXX men at a gas station in XXXX XXXX, Illinois. My car was stolen. I immediately called XXXX and they tracked the suspects down in a forced stop. My car was totaled. However, once my car was retrieved. XXXX XXXX , XXXX in XXXX XXXX was not very nice to me. They would not let me get my things out the car or even look at the damages. Earlier that year about a month before my car needed repairs. I purchased my car at XXXX in XXXX Indiana and the Manager lied against me and would not make the necessary repairs to my car before I was car jacked. XXXX collected my car with out my knowledge after the car jacking, repaired the damages to the vehicle from the force stop and sold it to another buyer. XXXX said I voluntarily surrendered my car back to them. I did not surrender my car. I never had a conversation with XXXX or the collection agency MRS BPO , LLC. Unfortunately, I had a bad year in XXXX and XXXX. I could not contact anyone because I was XXXX and XXXX for 1yr. I do not owe this debt or remaining balance that is owed on this car. It's a XXXX XXXX XXXX. The suspects are currently in XXXX and awaiting XXXX.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion has locked my account on their service center platform, and is not providing any solution to unlock it, and is asking me to give up access to their online platform. This is not reasonable. If you think there are some potential fraudulent activities on my account, then verify the information with me, and ask me to change the password. I do not understand why you must give me a permanent lock to " protect '' me.
Consumer complaint received 2023-12-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have disputed the tradeline from XXXX XXXX XXXX. I WILL NOT PAY THIS. This is not owed and is also being submitted to TransUnion under incorrect name and balance. Yet, TransUnion continues to support the inaccuracies. I have asked them to validate and cease and desist. Please see attached reply from XXXX XXXX XXXX. In addition, XX/XX/2023, they promised to cease and desist. However, today, XX/XX/2023, they have contacted me sending another correspondence.
Consumer complaint received 2023-12-07
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. (MI)

I received a copy of my credit report. I am disturbed to learn that I fell victim of identity theft. I have hard inquiries on my credit report that I didn't authorize. This has been affecting me as I am in the process of trying to buy a house for my family. Please remove the fraudulent hard inquiries below on my credit report as soon as possible. Thank you. 

XXXX recorded on XX/XX/XXXX XXXX XXXX  recorded on XX/XX/XXXX XXXX recorded on XX/XX/XXXX
Consumer complaint received 2017-12-04
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Live Well Financial, Inc. (IL)

In the year XX/XX/XXXX I missed paying my first installment of my property taxes by the XX/XX/XXXX. At that time Live Well stepped in and paid both installments then refused a repayment program with me. After I was finally able to get a repayment scheduled they gave me a payment plan in which I accepted. After a few months of paying this they refused payments from me all of a sudden and tried to foreclose on my home. I took them to court over this and won. I received a new payment plan from the courts and have been paying on it ever since. Now this year XX/XX/XXXX I contacted the tax office to ask a question about a payment to my taxes only to find out they had already been paid in full on the XX/XX/XXXX. Not only did they step in and pay them early they did it without my knowledge and wants to charge me over XXXX dollars for them paying them. They also will not allow me a repay on it. I sent them XXXX dollars with a letter to put it towards the XX/XX/XXXX taxes along with the regularly scheduled payment for the XX/XX/XXXX taxes. They chose to ignore my letter and put the whole XXXX dollars towards the XX/XX/XXXX taxes and now they are refusing to let me pay for the XX/XX/XXXX taxes and are also refusing the court ordered XX/XX/XXXX payment which is almost paid in full. They have just decided they are foreclosing on me no matter what. They are the ones who paid my taxes early without even giving me till the due dates. They are also the ones that are refusing the court ordered payment for no reason.
Consumer complaint received 2023-12-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I received a check in the mail issued by Bank of America in the amount of XXXX The letter accompanying the check stated that you will find a check from your Bank of America prepaid card account. I do not have a Bank of America account. I do not have a prepaid card with Bank of America. I did not cash the check because I believe this to be a scam. I checked my credit report and there is no suspicious activity. I tried to report this to the Bank of America fraud division but I could not get through their customer service line to make any kind of report because I dont bank with them. I want to report this check as fraud because I believe it will cause harm to others.
Consumer complaint received 2017-12-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC (TX)

XXXX has switched loan service providers from XXXX to XXXX XXXX. I am being charged NSF fees for no reason. My bank account has been the same since the transition. XXXX XXXX customer service has told me they can not do anything about it ; XXXX must resolve this situation. Their customer service is mediocre at best. They are difficult to reach and very dismissive. I would like the fees to be waived.
Consumer complaint received 2017-12-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC (OH)

I received a letter from XXXX XXXX in XXXX, Ohio saying I owed XXXX XXXX XXXX XXXX. 
I do have XXXX as my electric provider and am usually a little behind on my bill but it is always paid, never disconnected and I pay first energy directly. In addition, the amount of XXXX makes no sense.
Consumer complaint received 2023-12-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Pressler & Pressler, LLP (NY)

I originally received a letter in the month of XXXX stating that I owed an outdated debt from XXXX. I called customer service letting them know that the dad had been XXXX and it was no longer my responsibility to pay for it. They proceeded on sending letters and then I realize that my call wasnt enough. On XX/XX/XXXX I sent a debt validation letter requesting proof that they owned the debt. Meaning that they either went into contract with me or that they purchased a debt from the original debtor from XXXX. I knew that XXXX  years had passed since XXXX and that I no longer owed the debt. I sent an email to the agency asking about a foil request if they were allotted to respond to debt validation letters. I received no response. I contacted the XXXX  and sent in a claim in regards to their falsehood and their response on the website, is due to customer privacy they do not answer any inquiries on the XXXX. I then called again and left a message with their law department asking to be called back. When I noticed the week went by and I still didnt receive a call I sent an email requesting proof of validation of debt once again. Now XXXX month later they have garnished my wages twice and I have yet to receive a valid response in regards to this debt. Due to the fact that they garnish my wages illegally I was unable to pay other that off debts off my credit score to drop and not allowing me to qualify to get my roof fixed. Now it has rained XXXX  since that time and I now have a leak in my house as well as mold has caused more financial distress than I already had. Im not only asking for my money back that they took legally I am asking that we come to the table and make a settlement agreement in which they owe me for property damage and distress.
Consumer complaint received 2023-12-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (SC)

I never had a account with Affirm and until I tried to get a new phone thru XXXX  when mine broke in XXXX I was told I have a past account with them. I called Affirm and was told on XXXX  there was a {$150.00} charge on my XXXX XXXX XXXX XXXX account that I never knew was charged and XXXX  {$68.00} and was given credit XX/XX/. On XXXX  I was charged {$76.00}. I was told my Affirm since the charges are so old I could file a dispute with my bank and I did and got my money back however these accounts that aren't mine are listed on my credit and I have asked via phone call and letter that was sent back Account numbers listed are XXXX & XXXX.
Consumer complaint received 2023-12-06
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. (NY)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (TX)

Someone tried using my SSN to sign up for a credit card on XX/XX/2022. The credit card was never opened but there was a hard inquiry on my credit report at XXXX because of it. I've contacted Wells Fargo twice about this issue. They told me they would take care of this and contact the credit bureau both times but the inquiry remained on the credit report. I contacted XXXX and the representative told me they never received any request from Wells Fargo. I did not save the letter from Wells Fargo the first time but I did save the letter from them when I tried to resolve this issue the second time. I tried to contact them again today but I got transferred to 4 different departments until I ended up at the original department and told me I would have to file the dispute with them again. I have no idea what to do at this point but to report this to CFPD
Consumer complaint received 2023-12-06
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: Applied Data Finance, LLC (FL)

0n XX/XX/22 there as a hard inquiry for a loan by an agency in XXXX XXXX called Personify which I did not solicit or requested. 
When i XXXX searched the firm and checked my credit core I got an XXXX number. I called and its an automated line asking for your last 4 digits of your social and birthdate. I refuse to give this information to get to a live person. 
Below is the info from the Credit report : Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose WRITTEN AUTHORIZATION
Consumer complaint received 2023-12-06
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. (NY)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form XXXX : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-12-06
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: LD Holdings Group, LLC (NE)

I am in the process of selling my home. It has an assumable VA loan and the mortgage is held by Loan Depot. I had a buyer sign an contract to buy my house and assume the loan on XXXX XXXX. Loan Depot received the Loan Assumption Application from the buyer on XXXX XXXX ( verified through their customer service ). I have contacted Loan Depot multiple times over the last three months for updates and they continue to say they are 'working on it '. They will not provide the name or number of the loan specialist working on it and when I have gotten a return call, the response it always, we are working on it. On XX/XX/XXXX, I created a help ticket with the VA as there was still no update with firm dates from Loan Depot and we were to the 45 day point from Loan Depot receiving the loan application. Per VA Circular XXXX the Loan should have been approved ( or denied ) within 45 days of receipt. Both the VA and I reached out and were told the loan would be processed NLT the XXXX of XXXX. It was not until XXXX XXXX that the buyers received a message from Loan depot saying they received conditional approval for them to assume the loan. Since that time, I have asked for updates and a firm closing date, and have received nothing. Last week, XX/XX/XXXX, I called for an update and filed a complaint in the Loan Depot system. I have not received communication from them since and called today to follow up. I was told the complaint was opened yesterday ( XX/XX/XXXX ) and they loan was 'at Stage 3 and with the VA for approval '. I then contacted the VA this morning ( XX/XX/XXXX ) and they have nothing in the system from Loan Depot other than the answer to the initial VA inquiry on XXXX XXXX saying Loan Depot would provide an update. the loan is not 'with them'.. 
I have extended the date of closing on my new home twice and now risk losing it as we can't get a firm closing date on the assumption of my current house. 
Finally, when calling today, Loan Depot told me they would not update me again until the XXXX of XXXX ( another 3 weeks ). This process should have taken around 60 days and we are now at the 90 day point with no end in sight. I am looking for assistance to get this loan finalized so I can move on. Thank you.