davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (CT)

target td Usa/target credit XX/XX/XXXX XXXX XXXX$40.00} payment reported and mark as missed payment, my bank account and social was breeched. I called the credit specialist number and they noted account up to date. Being that the account was reported as a late payment it affects my credit and credibility to purchase a home. it also take so many years to remove from account. My account balance is XXXX In accordance with the fair credit reporting act this creditor violated my rights my rights under 15-USC 1681 sec 602 states I have the rights to my privacy.

15-USC 1681 sec 604-A sec 2 it also states consumer reporting agency Can Not furnish an account without my written instruction 15-USC 1666B A creditor may not treat a payment on credit card account under and open and consumer credit plan as late for any purpose. 

Thank you, for taking the time to review.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX keeps reporting inaccurate information on my account every single month, it is supposed to be a charged off account yet the balances keep changing keep increasing decreasing and is signficatanly hurting my score with the inaccurate information and reporting of a closed account every month. Within the last 3 months they have removed the account, increased the amount, decreased the amount then now increased the amount. According to the fair act they are supposed to report accuarate information and they have not, please delete the account as it is signficantly hurting my score.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (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 a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as late for and purpose. 


Firstly, I tried to setup an autopay in my XXXX account online on XXXX XXXX, but it has failed to setup in their website. However, I havent realized that it has failed to setup the payment, when I checked the account later in the month around XXXX XX/XX/2023, I realized that the monthly amount ( {$4100.00} ) was still due, so I immediately scheduled the monthly payment. However, at the time I was in a hurry to go to a doctor appointment, as Im expecting a new baby in early XXXX, and selected the wrong account ( it had low funds ) from which the amount should be drawn. This has led to the account going into delinquent status. 

Secondly, I have not received any email or even a phone call from XXXX to notify me that my account went to delinquent status. I do not keep checking my loanDepot account every day to realize it. A courtesy call /text or email to check on me, why my payment was rejected and why my loan went into a delinquent status from XXXX would have been very beneficial for me in this situation. I have received a physical mail about this on XXXX of XX/XX/2023, by that time the damage has been done. I have been facing difficulty with using the XXXX website to setup an auto payment and accessing the messages and documentation on the website is very confusing and not user friendly. 

Thirdly, as a family my Husband and I both have mortgage accounts with XXXX, we have been comeback customers for our home loans and have been loyal good standing customers with XXXX. My husbands account number : XXXX. For your reference, you can check both our payment histories on these accounts. We have never made late payments before. This was a genuine mistake on my part, and could be room for betterment in notification services from XXXX as well. We can provide our employment verification letters or paystubs for your reference if you want to check on our income as well, to see that we are in good standing to make in-time payments. Our combined income has only increased since the time we took these loans from XXXX.
Consumer complaint received 2024-04-05
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)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-10-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (OK)

Disputed this debt x2, wrote to company and received a basic letter with no identifying information, AGAIN. Ive been disputing this for months and I want it removed no indication this ever belonged to me at all! They refuse to provide what I asked for and wont remove this
Consumer complaint received 2023-10-14
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. (IL)

I have sent all three credit bureaus my police report, my ftc report and letters provided by the creditors that the accounts was never paid late and they dont belong to me : I havent heard from the credit bureaus ; on XX/XX/XXXX I submitted my information : XXXX XX/XX/XXXX; XXXX I submitted my information :, on XX/XX/XXXX ; XXXX I submitted documents : XX/XX/XXXX and XX/XX/XXXX I submitted documents. No results the items remain the same.
Consumer complaint received 2018-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (NC)

I WAS CHARGES FOR SOMETHING I DID NOT AUTHORIZE. ON XX/XX/17 XXXX XXXX XXXX CHARGED MY ACCOUNT {$6700.00} ON MASTER CARD BARCLAY # XXXX I CALLED IN AND REPORTED FRAUD REP FILED FRAUD COMPLAINT I DID RECIEVE THE CREDIT ON MY NEW CARD THEY SENT ME BUT THEN A FEW MONTHS LATER THE CREDIT CARD SENT ME A LETTER STATING THEY WERE TAKING THE CREDIT BACK .... I NEVER DID BUSINESS WITH THIS SAID COMPANY AND I HAVE NO IDEA WHO THEY ARE. PLEASE HELP ME GET MY MONEY BACK ... WHY WOULD THEY CREDIT MY ACCOUNT AND THEN TAKE IT BACK. THIS IS NOT RIGHT THAT MASTER CARD BARCLAY ARE NOT BACKING THERE CLIENTS. THIS IS SENIOR CITIZEN ABUSE.. I NEED MY MONEY BACK. THIS IS ALOT OF MONEY ... I LIVE ON A FIXED INCOME AND THIS COMPANY STOLE FROM MY ACCOUNT. PLEASE HELP ME
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Porsche Financial Services, Inc. (NY)

I reached out to Porsche Financial to correct the incorrect report of a missed payment on my loan account. While they assured me that it was a mistake and that they would correct it, the error remains on my credit report. Despite the fact that no payment was missed, this erroneous information has lowered my payment history score from 100 % to 99 % across all three credit bureaus. I am urgently seeking a solution to address this matter and restore my account 's status to " no missed payments, '' thus returning my payment history to a perfect 100 %.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

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 XXXXXXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : AXXXX XXXX XXXX XXXX XXXXXXXX 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 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 2023-10-14
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. (IL)

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 XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2023-10-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION (TX)

I applied to Navy Fed Credit Union twice for a credit limit increase on my VISA SIGNATURE FLAGSHIP account and was denied. I applied in XXXX XXXX XXXX XXXX XXXX. Initially I was denied for insufficient income and I sent an adverse action letter to dispute their discrimination and no response was supplied by Navy Federal Credit Union. I applied again and was denied saying that I've reached the maximum unsecured credit limit, which is a blatant lie since the card goes up to {$80000.00}. Clearly, Navy Federal Credit Union is discriminating against me as a consumer since I have rights to credit. Navy Federal Credit Union is with holding my access to my securities, which is securities fraud. Navy Federal Credit Union is violating the ECOA & Consumer Credit Protection Act. NFCU is refusing to increase my credit limit per laws set forth by Congress.
Consumer complaint received 2023-07-28
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 am not liable for this dept with ( XXXX XXXX XXXX, or XXXX XXXX XXXX ), XX/XX/2021 Lp, I don't have a contract with XXXX XXXX  service, they did not provide me with the original contract as requested
Consumer complaint received 2023-07-13
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. (TX)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2023-12-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bay Area Receivables, Inc (DE)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2023-04-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CCF Intermediate Holdings LLC (CA)

Check into cash, exceeded ACH withdrawals numerous of times from my account and because of them my account got closed despite that my account got closed they still sent me to collections and was getting harassed and build on a daily basis and I still sent them to cashiers checks And I just received a phone call yesterday from them on a different number. I dont know how they got my new number or how they found this phone number but they called and demanded payment so I went through my bank statements that I received when the bank account was open and I seen that, they deducted more than what they shouldve have because I only recall taking out one payday loan or so I demand reimbursed payment of {$900.00} from check into cash for taking more money than what was signed for and agreed of terms. I honestly feel like checking the cash, not only are they harassers but thieves and I demand and expect justice
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: LD Holdings Group, LLC (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 a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as late for and purpose.

Firstly, I tried to setup an autopay in my LoanDepot account online on XXXX XXXX, but it has failed to setup in their website. However, I havent realized that it has failed to setup the payment, when I checked the account later in the month around XXXX XX/XX/2023, I realized that the monthly amount ( {$4100.00} ) was still due, so I immediately scheduled the monthly payment. However, at the time I was in a hurry to go to a doctor appointment, as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and selected the wrong account ( it had low funds ) from which the amount should be drawn. This has led to the account going into delinquent status. 

Secondly, I have not received any email or even a phone call from LoanDepot to notify me that my account went to delinquent status. I do not keep checking my loanDepot account every day to realize it. A courtesy call /text or email to check on me, why my payment was rejected and why my loan went into a delinquent status from LoanDepot would have been very beneficial for me in this situation. I have received a physical mail about this on XXXX of XX/XX/2023, by that time the damage has been done. I have been facing difficulty with using the LoanDepot website to setup an auto payment and accessing the messages and documentation on the website is very confusing and not user friendly. 

Thirdly, as a family my Husband and I both have mortgage accounts with LoanDepot, we have been comeback customers for our home loans and have been loyal good standing customers with LoanDepot. My husbands account number : XXXX. For your reference, you can check both our payment histories on these accounts. We have never made late payments before. This was a genuine mistake on my part, and could be room for betterment in notification services from LoanDepot as well. We can provide our employment verification letters or paystubs for your reference if you want to check on our income as well, to see that we are in good standing to make in-time payments. Our combined income has only increased since the time we took these loans from LoanDepot.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I reached out to XXXX XXXX to correct the incorrect report of a missed payment on my loan account. While they assured me that it was a mistake and that they would correct it, the error remains on my credit report. Despite the fact that no payment was missed, this erroneous information has lowered my payment history score from 100 % to 99 % across all three credit bureaus. I am urgently seeking a solution to address this matter and restore my account 's status to " no missed payments, '' thus returning my payment history to a perfect 100 %.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I reached out to XXXX XXXX to correct the incorrect report of a missed payment on my loan account. While they assured me that it was a mistake and that they would correct it, the error remains on my credit report. Despite the fact that no payment was missed, this erroneous information has lowered my payment history score from 100 % to 99 % across all three credit bureaus. I am urgently seeking a solution to address this matter and restore my account 's status to " no missed payments, '' thus returning my payment history to a perfect 100 %.
Consumer complaint received 2017-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

I have contacted ChexSystems many times advising them of my bankruptcy and they are still continuing to report negative information about previous accounts including balances owed on those accounts whenever I attempt to open a bank account, so I am being declined. This is of course inaccurate since I have filed bankruptcy. I have also contacted them to request a copy of my report and they refuse to send it to me. This is harming me.
Consumer complaint received 2023-10-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My card was blocked because Bank of America mistakenly put it on the fraud watch list, as confirmed by their fraud servicing department, there is no problem with this account and it was misplaced under fraud watch. In this case, a simple call to them and provide my personal information would be sufficient to get the account unlocked. 

However, their agents had been telling me to visit a branch which is more than XXXX miles away from my home since the account was locked in XXXX. 

Similarly, after I filed a complaint against the bank with CFPB, their resolutions agent XXXX XXXX who authored the attached final resolution letter directed me to email my sensitive personal information including scanned pages of government IDs to an unmonitored email address XXXX. 

After sending the information to this email address, it turned out to be an unmonitored email inbox. 

This caused great security risk to my personal information and violates my rights. 

I have also called their customer service line many times but no one knows about this email address nor do they know what to do.
Consumer complaint received 2023-10-15
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. (NY)

My equifax account login shows the wrong information, it displays a completely different person with the same date of birth and similiar name. Equifax has since then srill showed a mix of the other persons credit report with mine. This has been an ongoing issue since XX/XX/XXXX, with two disputes to Include XXXX, and XXXX. I have attempted to resolve the issue first through contact with equifax customer support and further more by providing pertinent documentation to prove my identity. By around XX/XX/XXXX, core credit was registered and yet my equifax account information was further distorted when a customer service representative assured me that it would be resolved. It is now XX/XX/XXXX, I'm still waiting for my actual credit report to be mailed to me alongside the confirmation email that my situation is being escalated to the proper departments as the entire account has gone on to display the other person 's information except for my email, phone and login. Furthermore several days after my complaint, I have been barred from accessing the website through XXXX with a XXXX forbidden error which means that their server sees my request but denied authorization to login.
Consumer complaint received 2023-04-20
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: Credit Corp Solutions Inc. (VA)

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 a 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 and purpose.
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.