davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (NY)

MIDLAND CREDIT MANAGEMENT ACCOUNT # XXXX XXXX THIS ACCOUNT WAS NEVER AUTHORIZED BY ME TO REPORT ON MY CREDIT OR TO BUY MY PERSONAL INFORMATION. ALSO NO RESPONSE FROM COMPANY BY FCRA LAWS.
Consumer complaint received 2023-12-26
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: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX. XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

This is my SEVENTH attempt to dispute an account on my credit report that is the result of IDENTITY THEFT. 

I have summited all the required documents including : 1 ) POLICE REPORT 2 ) IDENTITY THEFT REPORT 3 ) PROOF THAT I WAS UNDER FEDERAL CUSTODY 4 ) PROOF THAT I WAS RELEASED ON SUPERVISED RELEASE IN NEW YORK 5 ) PROOF THAT I WAS LIVING IN NEW YORK UNDER SUPERVISION UNTIL XX/XX/year> XXXX ) OTHER DOCUMENTS It is an impossibility that I had been able to open a credit card let alone buy a car or set up a business when I was in XXXX XXXX and then a XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 

My brother XXXX XXXX was living in XXXX XXXX and had access to my information since the day of my XXXX and all during my time in XXXX  and XXXX XXXX. He has admitted having stolen and used my identity and he is now on the run with a XXXX XXXX XXXX XXXX. 

There is NO way, no possibility that I could have access to getting credit, or even a regular phone while I was at the XXXX XXXX XXXX in XXXX, or XXXX XXXX and even while I was at the XXXX XXXX or supervised release without having to go through my XXXX XXXXXXXX. 

-- -- MY RESPONSE Thank you for responding but your investigations are completely incorrect. Yes I was " released '' on XXXX XXXX XXXX XXXX XXXX XXXX XXXX and moved to XXXX XXXX, where I lived in worked for the following two years. I did not go to California. 

Second of all, you attached a CONTRACT, well, that is the proof we need, that signature is NOT MINE, is FORGED, you can have a forensics team verify if. 

I already explained and submitted PROOF that I was released in New York. Where I lived in New York. And also that my brother XXXX XXXX was living in XXXX XXXX and he was the one using my IDENTITY to get loans and credit. 

I need then to hire an attorney because this is NOT right.
Consumer complaint received 2023-05-05
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. (GA)

To whom this may concern, I am writing to request the removal of unauthorized & fraudulent credit inquiries on my Equifax credit report. My latest credit report shows 19 credit inquiries that I did not authorize. I have listed them below : XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

I'd like to report a dealership from denying my husband to be a cosigner with me. On XX/XX/XXXX, my husband and I went to XXXX XXXX Dealership to purchase a new XXXX XXXX XXXX. They ran his credit which pulled XXXX at that time, and salesperson came to us and said his credit was very good and should be no problem and that we just needed to wait for the finance person so we can close the deal in his office. Fast forward the manager and finance person did not allow my husband to be on the loan and car title with me for the reason that Nissan Motor Acceptance Company aka NMAC does not allow ITIN to be on the loan. Before making the credit application my husband asked the salesperson if ITIN was allow and he said yes, also in their website clearly states provide either SSN/ITIN in the field box for the credit application request directly from XXXX XXXX XXXX. ( I will be attaching a screenshot for credit application ). Decided to trust their words and we made the deal without my husband in the loan. Next day my husband called NMAC ( Nissan Motor Acceptance Company ) and ask them directly if ITIN is allowed and got multiple answers from different representatives that ITIN is allowed to apply and obtain a credit with them. We went back to the dealer to talk with the manager and explain what NMAC had told us over the phone, but they did not seem interested in fixing what was already done. This cost him a hard pull for no reason and an we paid an additional {$220.00} from the DMV ( Department Of Motor Vehicle ) because I did not had a plate under my name and had to get a new one, however with my husband on the title we could have saved {$220.00} from the DMV for having a plate available to be registered on a new car, but we weren't able to use it since they did not allow my husband to be on the contract with me. He is the primary driver and makes all payments on time from the beginning. He has already gotten a SSN earlier this year, so he no longer have an ITIN. Either way ITIN and SSN are allowed by NMAC and we can confirm this information since we made several calls to NMAC and was told ITIN is allowed.
Consumer complaint received 2022-12-02
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: Experian Information Solutions Inc. (TN)

I have disputed inaccurate information to Experian and the following accounts came back verified but still show inaccurate information. XXXX {$3600.00}. Historical payment data is still inaccurate after investigation was completed. Still showing a past due balance, account was charged off/ should reflect XXXX. XXXX {$4100.00} historical data is incomplete and inaccurate even after investigation was completed. Showing a past due balance. Account was charged off. Balance should be XXXX. XXXX {$9600.00} Account is still inaccurate after investigation was complete. Historical data is incomplete and inaccurate. Past due balance is inaccurate.XXXX  {$10000.00} was investigated and account is still inaccurate. Responsibility is inaccurate after investigation completed. Authorized user.Past due balance is inaccurate.XXXX  {$5900.00} Account was investigated and is still showing inaccurate information. Past due balance. Account was charged off. XXXX {$10000.00} Account was investigated and still showing inaccurate information. Past due balance. Account was charged off.
Consumer complaint received 2024-04-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

Chase allowed wires to be sent to a company different to the name I provided. They did this despite requiring me to provide and fill out a complete template listing the company the wires were meant to go to. The other account that was fraudulent was a bank account also with Chase. So, they knew at the time they checked the template it was not going to the company I stated on the Template. Further their response is that I put the wrong number in therefore my fault. Yet just 3 months ago they made a mistake and put {$120000.00} into my account and did not know they made the mistake for a month till I notified them. How am I responsible get the number right but they are not? In my instance they had further information to use but could not be bothered. In their deposit to me they made an identical error entering the wrong account. It has got to work both ways. Further, how can they allow an account to be opened by a fraudulent company without having checked the company out and confirm both the corporate docs and personal ID required to open an account. I can provide addition issues in my account since the Chase Data Breach in 2023. 
How is this not negligence?
Consumer complaint received 2023-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC (CA)

I called XXXX and XXXX to get a balance letter emailed to me and they said it they could not at the time but yet my balance is at {$0.00}. They stated I have to wait for it. Its been over a week and have not received. I need these off my report. The balance is at XXXX on both accounts. They are not willing. XXXX was for XXXX XXXX XXXX was for XXXX XXXX  XXXX acct
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: LEXISNEXIS (FL)

XX/XX/XXXX, my insurance company XXXX dropped me because it said I got tickets. I did get a speeding ticket in XXXX but did not understand how I would be dropped for that. I moved to XXXX and reported the ticket and my Insurance was cheaper. Then they pulled my CLUE report and FL DMV report and my insurance went up due to a combined accident and speeding ticket in South Carolina. I was never in an accident, so I requested my Clue report and dmv report. It showed a speeding ticket causing an accident and a {$1000.00} insurance claim. I informed clue this was not me. I contacted the SC DMV, they verified it was a mistake and removed it from my record. They sent me a letter saying ut was removed from my record. I sent the letter the FL DMV and they pulled my record, it was removed so they took it off my record. I contacted XXXX, offered to send them the letter, they said they would investigate and get back to me around 30 days. I have never heard from them again other than the request for my record. My 6 month policy has run its course I go to renew thinking this would be gone XXXX  is still showing that I have this {$1000.00} claim on my insurance. My insurance went up another {$500.00} for the next 6 month period. XXXX  is ruining my driving record and costing me a lot of money based on incorrect information. And is sharing it with all insurance companies
Consumer complaint received 2023-07-08
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. (CA)

I leased a XXXX XXXX for my daughter and within a few months the tires were worn down at an excessive and alarming rate. I determined the vehicle had been in an accident and I was not notified when I leased the vehicle, they said they were not obligated to inform me. After I brought it to the attention of the dealership they indicated they would " work with me '' when I turned in the vehicle as I had already purchased new, very expensive, run flat tires and paid to repair the cause of the issue. Upon return of the vehicle about one year later, the dealership agreed to no charge the tires that needed to be replaced. I eventually received a notice that I owed {$800.00} for tires. When I called the dealership they acknowledged the error and agree to rectify the issue which of course they did not. A short time later when I applied for and was denied credit, the only negative mark I had was an {$800.00} judgement from XXXX XXXX and two late payments. First, I never had a single late payment and the {$800.00} was a fraudulent charge. When I again called the dealership immediately following this incident I was shocked to realize the dealership was CLOSED leaving me zero ability to effectively fix the lies XXXX had reported. What had once been a XXXX XXXX dealership was now a XXXX dealership and they effectively laughed at me and told me " good luck ''.
Consumer complaint received 2023-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I've asked the credit bureaus Transunion, XXXX and XXXX to do a through investigating of my report and correct any inaccuracies. They sent me a letter back from all three bureaus and stated that all the information was correct and accurate. I followed up and did my own investigation my self and found incorrect and inaccurate information after they did their investigation. 

I asked the reporting agencies to look into 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, In accordance to the fair credit reporting act XXXX Account # XXXX has violated my rights 15 U.S.C. 1681 section 602 A. states that I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXXXXXX # XXXX, has 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 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 2023-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (WA)

Chase card services sent a letter dated XXXX informing me that they are closing my credit card account " because of unexpected activity on this or another Chase account '' No one at Chase can tell me any details pertaining to this activity nor was I given a chance to document, prove or otherwise respond to the security concerns. As a small business owner, I am reliant on my credit card to auto pay my vendors and while I have other cards, the need to set up new auto pays with over 40 recipients is a huge time sink and incredibly frustrating.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I have XXXX derogatory entries on my credit report. 
Why are there multiple disparaging swings in my credit score despite no derogatory activity? 

Is there a problem with their systems whereby they are erroneously reporting low credit scores for certain consumers? The financial industry relies on their reporting to be accurate to determine the financial worthiness of consumers and the below tracking trend will prove there is a real internal problem happening with my score tracking. 

I want to know if I am targeted? 

The CFPB should investigate this system wide with Equifax and demand answers for each and every score change over the last XXXX months on my credit report. I want each score change to be explained as I am prepared to pursue litigation. I have documentation proving the below trending scores as well. 

I also opened a dispute with XXXX XXXX XXXX as changes occurred by both companies at the same time which the company has never responded to despite the multiple calls I've made for updates. 

Please see the following score changes and explain.. 

What changes occurred on my credit report between XX/XX/XXXX that justified a XXXX point change? 
XX/XX/XXXX high XXXX XXXX What changes occurred on my credit report that warranted a XXXX point drop in XX/XX/XXXX? 
XX/XX/XXXX high XXXX XXXX What changes occurred on my credit report that warranted a XXXX point change to my score in XX/XX/XXXX? 
XX/XX/XXXX high XXXX XXXX What specific changes occurred on my credit report that warranted an XXXX point change in XX/XX/XXXX? 
XX/XX/XXXX high XXXX XXXX What specific changes occurred on my credit report that warranted a XXXX point decrease in XX/XX/XXXX from the XXXX score? 
XX/XX/XXXX XX/XX/XXXX score XXXX What specific changes occurred on my credit report that warranted a XXXX point increase in my score in XX/XX/XXXX? 
XX/XX/XXXX high XXXX XXXX What specific changes occurred on my credit report that warranted a XXXX point decrease in my score between XXXX and XX/XX/XXXX? 
XX/XX/XXXX, XX/XX/XXXX Please see the attachment which indicates no derogatory alerts or changes were rendered during these drastic score changes.
Consumer complaint received 2023-05-05
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: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I have been trying to get this Collection off my credit report for months. I have sent in several disputes, and nothing has been done. I have sent in proof that I myself am submitting the request to have this removed. I have filed for a full file disclosure and never received it.
Consumer complaint received 2023-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I never gave Transunion permissible purpose to report anything to my account. They violated my right by reporting inaccurate information pursuant to 15 usc 1681b
Consumer complaint received 2023-10-12
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (MA)

I opened a CD on-line with TD Bank - 12 month term 5 % rate for {$25000.00}. I transferred the funds directly from XXXX XXXX  XXXX XXXX Account to TD bank. I was not able to sign on to my new TD account on-line so I called the help number and was told that fraud was suspected so I needed to go into a branch office with photo ID. I made an appointment and visited my local branch ( XX/XX/2023 ) and was told that the CD I purchased was only available to customers with a checking account AND that despite the fact the the funds were taken from XXXX XXXX  XXXX XXXX account they had not yet shown up at TD bank and I needed to wait XXXX business days for the transfer to take place. 

I noted that a ) there was no place on line that indicated that a checking account was required to open a CD ( This is clearly deceptive advertising ) ; b ) I do not have access to my savings ( {$25000.00} ) ; and c ) I XXXX hour in the branch office as multiple staff attempted to sell me alternative investment vehicles.
Consumer complaint received 2023-05-05
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: CITIBANK, N.A. (CA)

I am in possession of the documents submitted by Macys as proof that I obtained credit from them. They did not provide anything with my signature and nothing showing they verified my identity. They did not provide any proof that I consented to their company sharing my private and personal information with a third party, including credit reporting agencies. Please provide SIGNED DOCUMENTATION of this consent to share private information with third parties or assume you do not have any. The consent must be signed separately from the lease per federal law. At this point I have made multiple attempts for this company to cease sharing all personal and private information with ANY AND ALL THIRD PARTIES, INCLUDING CREDIT REPORTING AGENCIES AND THEY HAVE NOT COMPLIED TO FEDERAL LAW. According to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) 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. So far none of this has been provided. It is my right as a consumer and they are refusing to cooperate in good faith. None of which has been provided.
Consumer complaint received 2023-10-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC (NJ)

I had a mortgage and during the pandemic, the tenant did not pay any rent and explained this to Shellpoint for the last XXXX years and it has been frustrating to communicate with Shellpoint.