davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I requested an auto-loan directly to Bank Of America XXXX BOA gave me a code to go to XXXX  and get the car. I went and got the car with the approval code. After I got the car i received an email from BOA stating the loan is denied, at the same time the car was defective, so I returned the car to XXXX within the allowed period to return a vehicle which is 30 days. XXXX accepted the car back and we signed a return agreement to be a flat cancel. At this point, I believe BOA have not sent the money to XXXX since they told me by email I was denied. Later when I tried to buy another car, this loan that was denied shows in my credit report as if they approved it, XXXX never sent the money back to them until I realized it is on my credit report and called XXXX and BOA to get this resolved, It should have been a Flat cancel on date XX/XX/. Purchase date was XX/XX/. On date XX/XX/XXXX  I received the email from BOA stating Loan Denied. I had no idea the loan was open until I saw my credit report. 
After I complaint with XXXX and Bank of America it took more than one month for BOA to receive the money from XXXX and close the account. 
Auto-loan account number is XXXX
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (WI)

Early Warning Services is a third-party reporting service reporting information without my consent. Per my bank 's privacy statement and terms and conditions, they will not share any information without consent to 3rd party and non-affiliated services. Early Warning is co-owned by Bank XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

This also violates my privacy under the Family and Privacy Act of XXXX. You can not report any personal information without my consent. 

The Privacy Act protects individuals in three primary ways. It provides individuals with the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely, or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information. 

Early warning will not allow me to opt out of their services. per USC 15 sections 6802 to 6805 I am able to opt-out if any such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I was never given an option or educated on XXXX XXXX XXXX.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 XXXX 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 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally request that accounts refrain from sharing my personal information with third-party agencies and organizations, pursuant to the rights granted to consumers under the XXXX XXXX ( 15 USC 6801-6805 ). I have attach a previous letter that Ive sent the creditor in writing. Any further refusal of my request will result in legal action. Thank you.
Consumer complaint received 2024-01-16
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (TX)

This debt was paid to XXXX and bank statements reflecting payment of the debt was provided to XXXX XXXX. Bills equaling amount owed lined up with dates and money was taken from my account by XXXX. This was part of the reason we left XXXX. Then The collection just keeps getting sold and Jefferson is now acting like it is a new debt. How long will XXXX 's mistake pursue us? Now the transaction was so long ago that I will have to have my bank pull the transaction history because it is no longer available online.
Consumer complaint received 2024-01-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC (NC)

My escrow accounts keeps failing into the negatives. I havent missed any payment so Im not understanding why Im constantly having a negative escrow balance. I tried to call company but the phone system isnt allowing me to speak to anyone. I feel like my payments is being mishandled and Ive had similar problems before on this issue.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (PA)

On XX/XX/23, I sent a letter to the courthouse asking if they report bankruptcies to the credit bureaus and I received a letter stating, " They do not report any bankruptcies to anyone. '' Therefore, if that is the case, how did the credit bureaus verify my bankruptcy as 100 % accurate. They never did a fair investigation according to 15 USC 1681. 15 USC 1681. section 603 ( 3 ) ( E ) states, the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of that consumer reported on or with others that he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. - According to, U.S.C. 1681 section 602 A. states I have the rights to privacy. - According to, U.S.C. 1681 section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instruction - According to, 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 has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-22
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)

Transunion is reporting fraudulent inquiries on my credit profile after I have asked them multiple times to remove them. They are being paid by companies that never did business with to report false information on my credit profile causing great harm to my credit and making me look bad to creditors. I have never authorized these inquiries and I demand that they be removed off my credit profile. I know that only 100 % information can be reported on my credit profile and that any inaccurate Information must be removed. These inquires has caused me to be denied credit and has caused me great financial harm because I can't obtain credit and was denied several loans due to this inaccurate information, they refuse to remove off my credit report. I am asking that the CFPB make this company abide by the FCRA rules and demand them to remove the inaccurate and false information on my credit report. The inquiries listed below do not belong to me I never gave them permission to obtain my credit profile or gain access to my social security number. 


XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> 2024
Consumer complaint received 2023-10-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

Hello : VENMO has confiscated more than {$11000.00} of our duly earned legal fees money even though the client XXXX XXXX and his XXXX XXXX XXXXXXXX XXXX signed a retainer agreement contract, duly paid legal fees over time, and currently owe a legal fee balance of more than {$4000.00} as per the attached. 

Please see the attached ( 1 ) signed retainer agreement contract authorizing payment, ( 2 ) detailed billing invoice and account stated, as well as ( 3 ) a legal memorandum of law outlining what we did for this individual and his family members who kept paying his legal fee payments and bills. 

He currently owes us more than {$4000.00} in outstanding legal fees. 

Thanks, Kind regards, XXXX
Consumer complaint received 2024-01-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (FL)

Received a statement from Shell point Mortgage showing that my mortgage will jump over {$800.00} more a month due to a negative balance in escrow. There never has been a negative balance and always enough money in there. I have tried repeatedly to ask where and who the money went to out of escrow. It looks like several thousand was taken out
Consumer complaint received 2018-12-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Initially i did try to work with XXXX XXXX  XXXX who claim to be representing XXXX XXXX and Capital One. She told me they were going to sue me if I did not pay I asked her for what?! She claimed I owed money and that I needed to pay them. I told them I had fraud before and asked them to validate claim. They did not send any validation and then sued me. To make matters worse i had to pay a lawyer to get an answer written, which could have went towards said claim that they never proved. To add insult to injury, they cheated me out of a court date, by getting judgement behind my back without serving me for trial, whicheans they probably lied to the judge. I have proof of no filed service. 

This is a misuse of legal system and harrassment and bullying and a clear violation of federal laws.
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

I was affected by the Equifax data breach and experienced identity theft in XXXX of XXXX. Once I was alerted to the theft, I froze my credit with all three bureaus and created accounts where I could manage my credit. I had issues setting up an account with Equifax from the get go, and have called their support at least 4 times over the last year with no fix. I continually get a 'Please give us a call ' message when I try to log in, and we have verified many times that it is not a password issue and they can't see anything wrong with the account. Equifax claims they have escalated the issue to tech support twice, but nothing has changed. The most recent call was on XX/XX/XXXX, and again my issue was escalated and I was told it would be resolved within 10 business days. Unfortunately again nothing has changed and I still receive the same message. This issue is preventing me from controlling my credit with Equifax and is negatively impacting my ability to apply for credit.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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. 

has violated my rights. Or a 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 2018-12-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Concord Servicing Corporation (CA)

I have been receiving calls from different numbers for several years. The latest is from XXXX, leaving a message that they are Concord and trying to collect on a debt. They want me to call back to XXXX. 
I also receive calls on my cell phone but they don't leave a message. 
I do not owe Concord and have never heard of them. I don't have loans outstanding!
Consumer complaint received 2023-07-12
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. (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. 

XXXX XXXX XXXX XXXX {$450.00} Account # XXXXXXXX XXXX XXXX {$540.00} Account # XXXXXXXX XXXX XXXX {$2500.00} Account # XXXX 15 U.S.C. 1681 section 602 A. states : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2 states : a consumer reporting agency can not furnih an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting aganecy 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 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 the information is innaccurate.
Consumer complaint received 2024-01-16
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: LEXISNEXIS (FL)

I am requesting you again to dispute the accuracy of information contained in my Lexis Nexis consumer report. I recently obtained a copy of my report and discovered several items that I believe are inaccurate. I am requesting a thorough investigation into the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$480.00} XXXX  XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : - XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$2300.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2024-01-04
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: EQUIFAX, INC. (PA)

To Whom It May Concern : Re : Non-compliance with Rule 1002. Requirement of the Original Upon reviewing my consumer report, I discovered Equifax, LLC and several creditors are violating several laws. According to rule 1002, you must provide an original writing, recording or photograph which is required in order to prove its content, unless these rules or federal statute provides otherwise. I've contacted the companies requesting documentation of my alleged consent and to date, the company listed below have failed to provide me with the requested written authorization of the alleged initiated inquiries. The listed institution mentioned below are willfully violating my rights as a federally protected consumer ; rights that have been established by Congress. Considering I have not received any information from these companies, I have to assume the inquiries are unverified and therefore should be deleted according to 15 U.S. code 1681i.

Pursuant to 15 U.S. Code 1681i, treatment of inaccurate or unverifiable information, 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 promptly delete that item of information from the file of the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX look forward to receiving an updated copy of my credit report reflecting the deletion of ALL NON-ACCOUNT HOLDING INQUIRES. 
Thank you in advance.
Consumer complaint received 2024-04-22
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. (FL)

I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent inquiries in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

XXXX inquiry date XX/XX/XXXX XXXX XXXX inquiry date XXXX XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXXXXXX inquiry date XX/XX/XXXX XXXX
Consumer complaint received 2023-11-08
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. (CA)

I'm a victim of identity theft. I recently learned that my nonpublic personal private information is being shared and furnished with different company 's and financial insinuation without my written consent. I have not authorized any of these accounts to be shared in writing, oral nor electronic. These accounts were furnished and shared to Equifax, XXXX and XXXX by way of Financial Insinuations without full discloser and without my written consent, unknowingly and unwilfully and against my knowledge and therefore request this account to removed immediately. In accordingly in pursuance of 15 USC 1681 Permissible Purpose of Consumer and 15 USC 6801 Protection of Nonpublic personal Information. This is identity theft. Pursuance FCRA 603 ( p ) Financial Institution must notify consumer in written if they may furnish negative information to CRA. Section 239 ( a ) ( 7 ) CFPB 12 CFR Part 1022. I XXXX XXXX XXXX have not given written consent to any Financial Institution to Report to CRA. 

Accounts listed below. 
1. Account Name XXXX XXXX XXXX XXXX  Account number # XXXX XXXX. Account Name : XXXX XXXX XXXX Account number # XXXX XXXX. Account Name XXXX XXXX XXXX XXXX Account Number # XXXX XXXX. Account Name : XXXX XXXX / Account Number # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : # XXXX XXXX. Account Name : XXXX Account Number : # XXXX XXXX Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX .Violated my rights.
Consumer complaint received 2023-08-31
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)

My name is 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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (MD)

I've recently scrutinized my credit report and identified discrepancies in the reporting of certain accounts, revealing inaccuracies that raise concerns. It has come to my attention that these discrepancies compromise the accuracy of my credit profile. In accordance with the provisions outlined in the Fair Credit Reporting Act ( FCRA ), it is clearly stipulated that any accounts featuring inaccuracies on my credit report should be rectified and removed promptly. As a vigilant consumer who understands the rights and protections afforded by the FCRA, I am seeking immediate action to address these discrepancies and ensure the integrity of my credit information. I believe that accurate reporting is crucial for maintaining a fair and transparent credit history 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