davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-13
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. (TX)

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 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  I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-13
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. (TN)

In accordance with the Fair Credit Reporting Act. The list of the 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 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. 

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
Consumer complaint received 2020-09-28
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)

In XXXX, I sent a notification to the Credit Bureaus regarding accounts that I don't owe or recollection. I asked to verify. I also contacted the companies reporting. Since XXXX no information has been given from XXXX  or Transunion. 

This account was Verified as Accurate. My question is, how is this account verified as accurate when, it's not accurate and I do not owe nor has XXXX sent information regarding this account. 

XXXX  still lists this account AND they have the account listed twice as Duplicate, which is a blatant error and violates Federal Law.
Consumer complaint received 2020-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

Hello, My date leacking by credit agency, few credit requests from someone, regular phone call for student loan, what I never taken, My date Leacking by XXXX, XXXX  and XXXX .Bless good  Lockout agency inform me about this. 
My emails XXXX what was used for request closed by me personally. 
I know this is illegal used my date for their purposes, but really I do not know now what I can to do? Need I write a letter for human right to courts? Or you can find different way? 
Additionally there involved my family, where agency transfer my request, do not show closed loans, and do additional request. 
Please let me know are this is discrimination by skin color?, By accent of languages? By nationality? By genger? because they send me messages regular where offer sex. 

Best regards, XXXX
Consumer complaint received 2020-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I have 2 complaints. Today I received an updated copy of my Experian and XXXX  credit reporting. XXXX XXXX XXXX XXXX had agreed XXXX to remove the delinquent information off my credit reports. It did delete off XXXX  however it is still reporting and updated on my Experian credit report. It is showing {$6600.00} charge off loan. The bank had agreed to remove it. My next issue is XXXX  XXXX XXXX is also still reporting. This account was opened in XXXX and I was told by legal counsel that after 7 years the statue of limitations is in effect. I was also advised it is from the date of first reporting which was XXXX we are in XXXX this information is outdated and should not be appearing. For some reason they ( XXXX  XXXX XXXX ) keeps updating for other years which causes this fraud account to keep reappearing
Consumer complaint received 2020-09-30
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: HYUNDAI CAPITAL AMERICA (CA)

XX/XX/XXXX went to XXXX  XXXX XXXX to refinance the residual lease end on my XXXX  XXXX  with a maturity date of XX/XX/XXXX. 
Buyout amount of XXXX. As of yet the the lease end shows unpaid, deliquent, and going into default due to delay in paying off lease. Multiple calls made to Finance manager, customer service, lease end department with no resolution.
Consumer complaint received 2020-09-29
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: Experian Information Solutions Inc. (FL)

I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME NEGATIVE ACCOUNTS AND INQUIRIES THAT HAVE BEEN REPORTING ON MY CREDIT. THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME. MY CREDIT HISTORY IS NOW IN A HORRIBLE STATE BECAUSE OF THIS SO I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSSIBLE.
Consumer complaint received 2020-09-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CT)

Right at the start of the new year I logged into my online account on for XXXX XXXX at XXXX ; I wanted to setup an automatic payments ; the website said I already had automatic payments scheduled to take place XX/XX/XXXX. I had also setup contact information for my email and my phone numbers so that when the payment when through or one was due it would text and email me. Come XX/XX/XXXX the payment did not go through. I did not notice until XXXX that I did not pay my bill. The servicer did send me a letter in the mail after the 2nd missed payment but by then it was too late the damage was done to my credit. And the company wanted me to pay late fees. They never notified me via email or text like I had setup. 

Basically their automated system/online system was malfunctioning and still has been. 

In XXXX I contacted them to waive the late fees due to these issues and they waived one late fee and did not waive the other. They told me I had to go on the website and submit a request. I did that and sometime in XXXX they shut my auto payment off again without notifying me. Which caused another late fee and a mark on my credit again. 

Before this time I had never missed any payments and always paid on time. 
I have asked them to provide a letter so I can provide it to the credit bureaus and get my credit back on track.
Consumer complaint received 2020-09-29
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NJ)

I have applied 2 separate occasions for XXXX XXXX  and quicken loans. They both denied me even after I submitted the requested proof that my DTI is not what is reflected on my credit report. They have illegally denied my loan in violation of the ECOA and FHA regulations which state the minimum required credit score is XXXX and I am at XXXX with a 10 % down payment on XXXX single family home totaling XXXX. The loan is with a Co-borrower and they still denied me both of these companies did the same thing. Quicken denied me after accepting my application and preapproving my purchase which was done in XX/XX/2020 initiated and they left it in limbo and still have not sent out an official denial letter or posted it to my account as to why I was denied only told me over the phone. XXXX XXXX XXXX XXXX XXXX XXXX was my rep for this company. Loan application # XXXX. 

NOTE : MY CREDIT SCORE IS A XXXX AND THE CO-BORROWER IS A XXXX WITH YEARS OF PAYING DOWN HUGE DEBTS QUICKLY AND ON TIME. FURTHER MORE I HAVE IDENTITY THEFT DISCOVERED DURING THIS PROCESS AND HAVE REPORTED IT AND TAKEN ALL THE STEPS TO HAVE IT THOROUGHLY INVESTIGATED FOR CORRECTION OF ACCOUNTS. 

The application for XXXX was done by XXXX XXXX Mortgage Loan Originator NLMS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Cell : XXXX XXXX They did send out my denial letter which you will see attached below but again the required process for submission to show I only am obligated for a certain portion of what is reflected on my credit report due to Cosigning for my daughters car but she pays all of her payments not myself.
Consumer complaint received 2020-09-28
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TD BANK US HOLDING COMPANY (CA)

To Whom It May Concern : I am a victim of identity theft. I have contacted your company directly and through a third party on numerous occasions beginning on or about XX/XX/XXXX through the current date. I have experienced ongoing derogatory impact to my credit and my life as a result of being exposed in the XXXX  XXXX data breach. I was reported deceased by creditors and credit bureaus. In addition, I have experienced over seven known occurrences of fraudulent charges to my debit/credit cards which have resulted in re-issued cards and account closures. The information listed below is provided to assist with my identity restoration as a result of the damage I have suffered from identity theft. 

I have requested assistance from your company on numerous occasions and you have been notified of my issue. Your company was notified that I am a victim of identity theft and declared deceased. In my situation your company failed to comply with applicable laws, rules and regulations related to company- wide handling of identity theft victims and deceased customer notification. Your company failed to align me with the appropriate department to address my issue and the subsequent account issues. Your company did not exercise due diligence to protect me as a consumer. 
As an identity theft victim, I contend that my rights were violated under the Fair Credit Reporting Act and the California Credit Reporting Agencies Act. Please block this account and information from my credit report, pursuant to, and send the required notifications to all furnishers of this information pursuant to the : OBLIGATIONS OF FURNISHERS UNDER THE FCRA
Consumer complaint received 2020-09-29
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: WELLS FARGO & COMPANY (KY)

On XX/XX/XXXX wells fargo contacted my cosigner on the last day of my forbearance being active and started threatening her that if she did not make a payment that the loan would go into collection. They made her feel threatened and spoke to her in a to make her feel very uncomfortable and threatened. They knew two weeks ago I was going to reactivate the forbearance I called in the middle of  XXXX to extend it and they reccommended that I wait to the end of the forbearance to make sure i get the optimal amount of time. They have constantly changed up information they require they needed for paymant adjustments as well. Switching up the documents and just making it extremely difficult to setup a payment that I can afford even after providing both paystubs that I make from work and the social security income amount of my cosigner. This is getting out of hand I have told them multiple times that I am willing to  make payments that are within my budget. I do not know what else I can do I need help with them.
Consumer complaint received 2020-09-28
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: Experian Information Solutions Inc. (TN)

It is now obvious that the three credit bureaus, Experian in particular, has a scheme to drive down credit scores so that it can create revenue with high credit risk lenders. I will be contacting my attorney to file a class action law suit.

1. I have sent them 2 letters from XXXX showing that they have removed a bankruptcy. The response from all three credit bureaus is that they don't have to reinvestigate.

2. XXXX and XXXXy 's XXXX  have charged off accounts back in XX/XX/XXXX and every month thereafter is reporting thirty days late. It is against the law to write off a debt and then proceed to report negative entries. 

3. XXXX XXXX Accounts were not disputed and were good credit tradelines and was removed from my file by all three bureaus so that my score would stay low. 

4. XXXX XXXX XXXX and XXXX XXXX were removed and then put back on my credit report. XXXX was never late and XXXX XXXX was never late, but yet still on my credit report. 

5. I have disputed the inquiries and was told by Experian that I must deal with the people who put the inquiries on there.
Consumer complaint received 2020-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

I monitor my bank account online nearly everyday, and I keep getting low balance, alerts sent via text and email, numerous times a day, and the numbers arent adding up, Ive disputed the transactions that I noticed to be fraudulent, but it keeps happening, and the balance amount is no where near correct. So Im not sure if its a bank error, or someone hacking into my account ...? I just dont know what to do at this point. There is thousands of dollars unaccounted for, and I need to know what to do to stop and prevent this from happening. Please help! 

Thank you sincerely, in advance.
Consumer complaint received 2020-09-29
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. (FL)

I previously disputed a public record on my credit report. Transunion said they investigated and the results were provided and confirmed by XXXX. The first issue is Transunion should investigated the account themselves as stated by the federal law. I initiated a request from XXXX and they say they don't even have a file on my name or information. This public record should be deleted immediately from my credit report as it is incorrect and false.
Consumer complaint received 2020-09-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (FL)

I opened 2 NEW CITIBANK accounts checking and saving last fall- for a {$700.00} bonus offer - XXXX & XXXX. Balances now {$19000.00} @ XXXX - bonus not paid! 
Have been trying to close for months and get my money back. Have written their New York HQ and XXXX XXXX - no response. Their phone systems just plain nuts - can't get anywhere because I don't have a debit card or cell phone. They never sent me ANYTHING but occasional statements. 

I want to close accounts and get my money back and the bonuses and bonus interest I was offered. 

This bank is nuts.
Consumer complaint received 2020-09-29
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. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; B US BKPT CT FL XXXX XXXX Docket # : XXXX Source : XXXX/XXXX/EF File Date : Amount : Status Date : XX/XX/XXXX - XX/XX/XXXX Plaintiff : Action Type : Status : XXXX XXXX BANKRUPTCY DISMISSED *** XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$11000.00} AUTO {$5800.00} XXXX - {$5800.00} XXXX XXXX XXXX XXXX BANKRUPTCY XXXX/EF  XXXX XXXX XXXX XXXX ( CHAPTER XXXX ) XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2020-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX  ; XXXX  and Transunion are failing to report that the following account is in fact In Dispute. XXXX XXXX/XXXX   XXXX  partial account number XXXX. XXXX  and Transunion are failing to report XXXX partial account number XXXX is in fact In Dispute. Transunion is failing to report XXXX partial account number XXXX is in fact In Dispute. ( I have attached pages from my credit report for reference on the accounts listed above. ) I have also sent multiple requests to the bureaus to investigate these accounts and the bureaus continue to report these accounts as account not disputed. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are In dispute.
Consumer complaint received 2020-09-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

ATTACHMENTS INCLUDED. THIS IS NOT A DUPLICATE COMPLAINT. 
Two cars were purchased in my name, same used car dealership, same day. I finally received the application from Capital One Auto Finance today after years of request. The application was incomplete, not dated and reflects INCOMPLETE APPLICATIONS WILL NOT BE PROCESSED. The work phone and home phone numbers and email address are not mine. The contract also includes a phone number that is not mine. Salary is listed as {$25000.00} which is a lie. The Capital One Auto Finance application and contract are attached as EXHIBIT A The attached EXHIBIT B is the application and contract for the other car purchased in my name, same day, same used car dealership.. The application is dated XX/XX/2017 and the contract is dated XXXX/XXXX/2017. Salary is listed as {$300000.00} which is a lie. This claim was dropped because of permissible purpose and obvious wrongdoing. 
Capital One Auto Finances application should have never been processed because it is incomplete. Capital One Auto Finance did not have permissible purpose to access my credit per FCRA and the wrongdoing is obvious.
Consumer complaint received 2020-09-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Revenue Assistance Corporation dba Revenue Group (OH)

Revenue Group Account : XXXX ; XXXX I not aware of this debt and did receive any mail with the opportunity to dispute as these not my accounts. Please provide the following : Method of verification Validation of Debt Assignment of Debt These accounts should not be place in dispute until any type of investigation. This accounts need to be removed as your in violation of Hippa rights as well and I will file suit.

Please remove ASAP.