davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am resubmitting this dispute. I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I am verifying that this is me who is disputing these items. I need this removed asap.
Consumer complaint received 2023-05-14
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. (CA)

These accounts 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. These accounts is canceled debt the companies has filed them on there taxes. They are also reporting on my credit as debt which doesn't make sense at all. If a charge off consider ordinary income how could it be furnished on my credit as debt. Now the IRS mentioned that these companies suppose to send me a 1099 form so I could file ordinary income. This is a violation 15 USC 1681eb. It speaks on maximum consumer report they have to be deleted. Thank you and have a very blessed day.
Consumer complaint received 2023-05-14
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: CAPITAL ONE FINANCIAL CORPORATION (WA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 section 604 A section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-05-13
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. (MD)

It has been brought out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, AR XXXX, XXXXXXXX XXXX XXXX Balance : {$32.00}, XXXXXXXX XXXX XXXX Balance : {$21.00}, XXXXXXXX XXXX XXXX Balance : {$69.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-14
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HYUNDAI CAPITAL AMERICA (NC)

As of today, XX/XX/2023- Hyundai Motor Finance has continued to bully and violate my rights by false, deceptive and misleading communication via credit reporting agencies. 

Received notice via email from XXXX XXXX and XXXX that there is a balance increase inserted by Hyundai Motor Finance. However, per the credit reporting agencies- this was charged off as a loss. Basically, Hyundai Motor Finance no longer owns the alleged debt- it was sold. 

I sent Hyundai Motor Finance a notice via XXXX and it was received on XX/XX/2023. 
20 days has passed since notice was received and I have not heard from Hyundai Motor Finance through any medium. 

I am requesting Hyundai Motor Finance to comply with notice in which they received, provide the company charge off was transferred to, the amount of charge off and any other documentation pertaining to this should be addressed accordingly. 

Hyundai Motor Finance can no longer use the cease & desist as a way of not communicating with me. They violated the cease and desist a long time ago. 

The violations go beyond the FCRA at this point. 

Thank you.
Consumer complaint received 2023-05-13
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. (NC)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2700.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXXXXXX Balance : {$21000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$250.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-09-06
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in removing the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX  XXXX Balance : {$11000.00}, XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$8500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$260.00}, XXXX XXXX  XXXX XXXX Balance : {$260.00}, ( Original Creditor : XXXX XXXX ) XXXX Balance : {$150.00}, XXXX XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2024-08-21
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. (TX)

I am writing to formally complain about the ongoing verification of inaccurate information on my credit report. Despite my previous disputes, the following details remain incorrect : 1.Date of Last Activity 2. Date Opened 3.Last Reported Date The dates listed are inaccurate and do not reflect the true status of my accounts. I am deeply concerned about how you have verified this information. 

I request a thorough investigation into these discrepancies, and I expect that the inaccurate information be corrected immediately. Please provide me with a detailed explanation of your verification process and how you concluded that these dates were accurate. 

As per the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure that all information in my credit report is accurate and up-to-date. Continuously verifying incorrect data not only violates my rights but also damages my creditworthiness. 

Thank you for your prompt attention to this matter. I expect to hear from you soon with confirmation that the necessary corrections have been made.
Consumer complaint received 2023-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (FL)

I recently signed up for a TD Beyond XXXX account bonus with a {$300.00} sign up offer. I made my deposits as required and realized there were fees associated with the account that I was not aware of. I called a TD representative and asked explicitly if I were to downgrade to a TD Convenience XXXX if it would affect my eligibility for the bonus. He explicitly informed me it would NOT and that if anything I would receive the {$200.00} bonus for the TD Convenience XXXX instead of the {$300.00}. But he assured me multiple times I would be receiving the bonus and proceeded to downgrade my account and refund the fee. After not receiving the bonus after having my account open for almost XXXX months, I reached out to TD again on XX/XX/14 and was informed by another representative per their " promotions team '' that I would not be receiving ANY bonus because by downgrading I was disqualified and they do not make any exceptions, not even for bank error. I did not even close my account, I still have a checking account open. As a new customer, this was so off-putting and unprofessional that I will not be receiving a bonus as promised after meeting their requirements because of misinformation by their representative on a recorded line. They did not even attempt to pull the call or rectify the situation. I am wondering if they pay these bonuses out at all, or if they dangle them over new customer 's heads to lure them in and then renege on their promises. I am so disappointed in this experience with TD bank, I will be closing my accounts and taking my funds elsewhere, as well as discouraging anyone I know from utilizing their products and services if this issue can not be resolved. This was beyond unprofessional on their part and I do not feel valued or respected as a customer at all if this experience is a testament to their customer service.
Consumer complaint received 2023-06-23
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. (MD)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXX , DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MD XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$24000.00} ( Original Creditor : XXXX XXXX XXXX ) Balance : {$10000.00} XXXX XXXX XX/XX/2023
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX. XXXX 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 a account without my written instructions
Consumer complaint received 2023-05-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting Act, XXXX account XXXX XXXXXXXX has violated my rights. 15 U.S.C. 1681 section 602 A states I have the right to privacy. 15 U.S.C. 1681 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-04-07
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. (NY)

As I was checking my credit report almost two years ago I received public service forgiveness on my XXXX XXXX XXXX loans acct number XXXX. It makes me angry to see XXXX has my XXXX  loans listed on my Experian account written disputed consumer and on XXXX XXXX loan fixed rate. This is listed on my XXXX account too which I see you closed on XX/XX/XXXX Why would I dispute my federal XXXX loans XXXX needs to upgrade my XXXX loans to its rightful status and remove this lie as well as XXXX these companies should not be allowed to write these un truths on consumers credit reports.
Consumer complaint received 2017-10-02
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF THE WEST (AZ)

this is an addition to complaint # 's XXXX & XXXX against Bank of the West in relation to my vehicle lease initiated XXXX and paid off XXXX. In my complaint XXXX I asked BOW to supply me a full accounting of my lease with them. They sent me a " Transaction History '' that shows no beginning balance, no running balance, and no ending balance. While further reviewing the " History '' I noticed that XXXX of my XXXX payments that I made to BOW in XXXX XXXX are not reflected on the History. 

On XXXX/XXXX/XXXX @ XXXX XXXX XXXX XXXX I made a phone payment with a person at BOW in the amount of XXXX. Confirmation # XXXX. 

On XXXX/XXXX/XXXX @ XXXX XXXX XXXX XXXX I made a XXXX XXXX  by phone in the amount of XXXX}. Confirmation # XXXX. 

On XXXX/XXXX/XXXX @ XXXX XXXX XXXX XXXX I made a XXXX XXXX  by phone in the amount of {XXXX}. Confirmation # XXXX. 

The payments on XXXX & XXXX/XXXX/XXXX totaling XXXX  are not showing on the History. 

I demand immediate repayment of those funds to me as this lease has been paid in full based on the payoff package BOW sent to my financial institution. A payoff amount that obviously does n't include the XXXX  payment I made. 

This is really getting ridiculous. I have never in my life had a bank lose so much money is so short a period as BOW has. Imagine these losses in less than XXXX  months extrapolated across a full XXXX month lease. 

I am attaching BOW 's History and my bank statement showing all XXXX payments were paid by my financial institution well before the payoff amount was given to my financial institution in late XXXX XXXX. I feel this XXXX was not reflected in the payoff and the funds should be returned to me. 

I have contacted BOW twice about this and they just keep putting me off. I will not just give up on my XXXX
Consumer complaint received 2017-10-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (FL)

I do not mean to be disrespectful to anyone nor avoid anyone but this Bank called again looking for XXXX. My dead dad is XXXX. I 'm XXXX and I have no dealings with this bank and since I receive numerous phishing scams etc. the gov themselves states do not give out any information via phone. I am upset as I continue to be called. You were advised on an earlier complaint and per their own words that upon notification they removed me from their list and I would not be called- Evidently opinion by experience this is par for collections or scammers. -I received a call on XXXX/XXXX/XXXX at XXXX XXXX  Tuesday XXXX XXXX XXXX XXXX XXXX It upsets me they continue. I do believe they can not call anyone but the debtor spouse or lawyer. I hope they refrain from continuing this action since evidently they did not respond truthfully to you on the first complaint!.
Consumer complaint received 2024-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2023-04-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (CA)

My mortgage company is Freedom mortgage. Last month I contacted them with regards to an equity loan with the hope of paying off high interest debts. I was contacted by XXXX XXXX who is the loan advisor and I explain what I wanted to do adding also that I was a retired veteran and XXXX. XXXX XXXX later told me that I would be charged {$1000.00} as a rate lock fee but it would be refunded if my loan request was denied. I thought it sounded legit at the time but later XXXX XXXX told my interest rate would increase considerably however, I could always lower the rate later if I chose an IRRRL ( Interest Rate Reduction Refinance Loan ). I did not think about it at the time, but she left out the part that for veterans with service connected disabilities can have that fee waived. Whether she left that out deliberately or not, I decided to cancel my request for the loan for now and I subsequently sent her an email telling her to discontinue the loan process. XXXX XXXX wrote back stating that she was sorry I was not happy with the offer and that all the fees had been waived. I thank her and I thought that was the end of it. However, a few days later I noticed that my credit card still had the charge and it the {$1000.00} they had charged me was not refunded. I immediately contacted XXXX XXXX about the situation and after a few days she finally responded. This time she stated that rate fee was not refundable unless my loan was denied which sounded absurd because I contacted her even before the processing of the loan. I believe Freedom Mortgage is engaging in unfair practices and deceptive practices by refusing my legal rights. Nothing was ever said that they would not refund my fee if it was for anything other than my request being denied. I also feel they took advantage by excluding me of my certain benefits in being a veteran and XXXX. I contacted legal advice who referred me to your website.