davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

My complaint simple and plain. My credt is being affected by unlawful reporting as i pulled my report. i sent the credit reporting agencies a affidavit 2 times to resolve this matter ammicably. since they didn't comply, i need your help CFPB. 15 usc 6802b stance about late payments. non public information can not be published to nonaffiliate third parties withouth my consent. unlesss i was given opportunity before the time that such information is innitialy disclosed to a third party. i was never given that opportunity and the CRA 's a third parties and in violation of that law. congress says ( exclusions ) the term consumer report does not include solely my transaction or experiences between ( me ) the consumer and the person making the report.therfore, late payments can not be included in my credit report. 15 usb 1666b states the timing of payments. the financial agency must send written notices/statement 21 days before the payment due date with information from section 15 usc 1637b . it must be mailed or delivered within 21 days of the payment due date from the consumer. they have never done that. they are all in violation of those laws. how could XXXX Equifax XXXX treat a payment as late without proof that these items were delivered to me the consumer. 15usc 1692k and 1640 civil liabilities {$1000.00} per violation not to exceed {$500000.00}. ive been damaged by them. all 3 of my XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX account # XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX a copy of the banks account statement of when the payment hit their account, or remove all late payments from my report. please be reminded as the consumer i'm protected by the privacy act.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The Clerk 's office for the U.S. Bankruptcy Court, Northern District of Alabama stated in the letter provided that they do no report or verify to the credit bureau.
Consumer complaint received 2024-01-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (IL)

I missed a payment because I was concerned with the cost of my monthly payment. It seemed to go up quite a bit from the previous month. When Navient called me to collect I asked the rep why has the monthly bill gone up so much from my previous bill, I was told it was due to some federal loans coming out of forbearance. That was puzzling because I get monthly statements from XXXX who processes my federal loans now, and that I haven't been on forbearance since before XXXX. I went back to XXXX XXXX XXXX XXXX and had in school deferment, or so I thought, but was told some loans were in forbearance and that they were collecting dues from both private and federal loans. 
I said I had no problem paying on the private loans, but that I won't be paying anything on federal loans until I get an explanation as to why they are trying to collect payments on them. 
This call was on Thursday, XXXX XXXX XXXX addicted XXXX central time.
Consumer complaint received 2023-05-09
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. (NJ)

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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-01-07
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. (NJ)

I have the following accounts as collections on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX First, I don't understand how these debt buyers are allowed to placed accounts not verified on people 's reports. Also, I noticed that the account numbers are the exact same on both accounts, from two different companies with two different amounts, which is alarming. This needs to be stopped.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I have the following accounts as collections on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX First, I don't understand how these debt buyers are allowed to placed accounts not verified on people 's reports. Also, I noticed that the account numbers are the exact same on both accounts, from two different companies with two different amounts, which is alarming. This needs to be stopped.
Consumer complaint received 2023-02-26
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: EQUIFAX, INC. (IN)

XX/XX/ 2022 i found out that XXXX XXXX reported a 30 days late payment for the month of XXXX. I lost XXXX XXXX. They correct my credit history back but did not restore my points. In return I was denied of a HELOC Loan i had been approved for because my credit score is to low now
Consumer complaint received 2022-12-19
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: U.S. Auto Credit Corporation (VA)

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 15 USC 1681 section 602 ( a ) ( 4 ) - I have rights to privacy. 15 USC 1681 Section 604 ( a ) ( 2 ) - states that a consumer reporting agency can not furnish a credit report without written consent from the consumer. 15 USC 1681c ( a ) ( 5 ) - states that no consumer reporting agency may make any consumer report containing the following items of information ... Any other adverse information, other than records of conviction of crimes which antedates the report by more than 7 years. 15 USC 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 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (KS)

In XXXX of 2022, I was offered an XXXX XXXX XXXX XXXX as a XXXX lease for $ XXXX + taxes. I was sent online documents to sign and I did however once the paper copies showed up, I learned that the dealership added a tire and wheel package for {$4900.00} which I did not agree to as well as changed the lease duration to XXXX. 

This ended up making my payment nearly {$3000.00} ; 20 % higher than what was agreed. I do not like dealerships that do bait and switches and I told them I was no longer intersted in the car and I was travelling and did not want to deal with nonsense. 

Instead of cancelling the deal, the dealership sent me a demand letter from their attorney. I told them to pound sand. What sort of dealership does this? I have the texts between my son and the dealership where we brought up concern of the lease duration changing and the dealership said to sign and we can change it tomorrow as they had to meet monthly quotas. 

I did not and have not taken delivery, paid the down payment ( only the deposit ), and did not sign any of the registration paperwork and will not be purchasing this car. I cancelled the deal almost 2 months ago and Chase auto needs to stop reporting this car on my credit.
Consumer complaint received 2024-01-07
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. (NJ)

XXXX XXXX XXXX. has placed an account for collections on my credit reports. Not only do I have zero knowledge of this account, but I've had issues in the past where this company continues to attack my credit report without my knowledge or permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-19
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. (ID)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. is showing the incorrect amount financed, incorrect amount that was past due and the incorrect amount due as of today XXXX. I paid this off IN FULL on XX/XX/2023. This account is still showing late and reporting late/incorrect to the credit bureaus. This has been past XXXX days as of today XXXX, 3 days from now will be XXXX  days!
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

filed a complaint about this account earlier for incorrect information reporting, you did investigation and said information is accurate which is not true. In accordance with the Fair Credit Reporting act, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting I have an account that is not correctly reported. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX you have this account as closed with a balance of {$77.00}. but this account is fully paid-off and balance on it should be {$00.00} i have attached email confirming full payment of this account.
Consumer complaint received 2024-01-07
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Red White and Blue Autos, Inc. (PA)

On or about XX/XX/XXXX red white and blue auto in XXXX pa took my XXXX  for supposedly taking gps out of vehicle. On XX/XX/XXXXXXXX  I received a letter from. Rwb stating they took my car due to break of contract. In XX/XX/XXXX they reported it to credit report they repo my XXXX  for being 30 days late in XXXX when I was not even in possession of the vehicle in XXXX they repo it in the beginning of XXXX I disputed it multiple times threw credit burrow and now they reported no data for XXXX and they repo it on XX/XX/XXXX. My car was picked up on XX/XX/XXXX I have multiple witnesses and text and emails with rwb that correspond with it being picked up the beginning of XXXX including text saying they took it due to me supposedly taking gps out so how can I be 30 days late in XXXX and car be repo in XXXX when they repo it in XXXX
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

The following addresses are not associated with me, and should be removed from all three credit reports. I informed all three credit bureaus to correct this, but it still shows on my report 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 2023-07-24
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. (TX)

I

n 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.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. ()

I bought a used car a year ago from a dealership, returned the car within a week due to it being a write off and false information, XXXX  XXXX XXXX was the company who loaned the money, I contacted XXXX  XXXX to let them know I dont have the vehicle and its returned. They assured me it would be off my credit report once the dealership sends a check back to them, its been a year and Ive contacted them a dozen times, between emails and phone calls, I tried to contact them the last few weeks and they have now blocked my email address from sending emails. They are on my credit report and I can not secure a mortgage and its affecting my credit score.
Consumer complaint received 2024-01-07
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Rushmore Service Center, LLC (FL)

In the beginning of XXXX I was struggling to make my monthly payment and I called my mortgage company to request that we modify the loan to put the missed payment at the end of the loan. The mortgage person that I spoke with said that he noticed that I was in a disaster zone from a pervious hurricaine. He said because of this I can skip XXXX mortgage payments. He said they would be placed on the back of the loan. I asked several times during our conversation if they would be reported late on my credit report. I was told over and over again that the payments would not be reported late. I was told that I would resume payments in XX/XX/2024 ( I did not have to pay XXXX, XXXX, XXXX ) I received a call from the same mortgage company a few weeks later ( approx ) XXXX weeks and I was told that at the end of the grace period I would need to have all 3 months payments and if I did not they would be reported on my credit report and the company could foreclose. 

This was in direct contradiction to what I was initially told. The company representatives lied to me and they should honor what was first told when I requested help and that was that I would resume making monthly payments at the end of the grace period.
Consumer complaint received 2024-01-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: OLD NATIONAL BANCORP (IL)

I went in to Old National Bank in XXXX Illinois on XXXX  XX/XX/24 around XXXX XXXX  to make a deposit. I deposited cash and a check drawn on ONB ( Old National Bank ). I later noticed that only the cash I deposited was available. I verified the Deposit Disclosure from ONB and they state that funds from a check drawn on ONB are available same day. I reached out for a correction. I left XXXX voicemails with the XXXX branch at XXXXXXXX XXXX XXXX and at XXXX XXXX  ish. I also reached out to ONB Client Services at XXXX XXXX  for assistance. The representative attempted to reach out to the XXXX branch and was also unsuccessful. She left an email for the branch manager. I never heard a response from the branch and my funds remained unavailable until the next day, which is not correct according to the Deposit Disclosures.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc. (MI)

I have had problems with identity theft and fraud on my records for years. There are several accounts on my credit report that do not belong to me. My identity has been hacked, sold on the dark web and I have been informed by several hospitals that I attend, that their systems were hacked into and my info was used by the hackers.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Per the FCRA as a federally protected consumer I XXXX XXXX XXXX am OPTING OUT of any and all authorizations I the consumer may have given you written, non written verbal and non verbal PER 15 USC 6802, EFFECTIVE IMMEDIATELY INDEFINITELY. The law also states its illegal to report Transactions History.Title 12 Also states anything dealing with a securities is and automatic Federal Court Case.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (NY)

Per the FCRA as a federally protected consumer I XXXX XXXX XXXX am OPTING OUT of any and all authorizations I the consumer may have given you written, non written verbal and non verbal PER 15 USC 6802, EFFECTIVE IMMEDIATELY INDEFINITELY. The law also states its illegal to report Transactions History.Title 12 Also states anything dealing with a securities is and automatic Federal Court Case.
Consumer complaint received 2024-01-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC. (VA)

I had checking accounts with Ally Bank. Ally Bank unfairly closed my accounts down without saying the reason why. I did complain in the past that the online banking of Ally Bank was frequently down for maintenance past midnight and it caused a lot of problems for me because I usually pay my bills after midnight, but that should not be the reason why they closed my accounts down unfairly.
Consumer complaint received 2024-01-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (MI)

I don't agree with the negative payment status and history listed on this account, i currently live with my mom and have never had any bills in my name please mail me the proof of your investigation or delete the negative information!!! Please Jefferson Capital System XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current (MA)

Heres what bothers me : in my previous complaint a few weeks ago. I complained that current bank debited my account for a withdrawal that was declined by current as being over the limit according to The XXXX  ( atm vendor ). Ive spoken to vendor, theyve supplied me with emails and transaction reports since my complaint Current open and closed a dispute investigation. They denied my appeal. They responded to my complaint with this agency ( although Im unable to see the complaint or response in my dashboard ; this was reported to customer service ). 

In my initial complaint I stated that Curreht had not contacted the ATM vendor. I figured that my complaint would prompt current to call. But vendor states no contact has been made. So back to my problem. How can current say they did an investigstion when they didnt contact the atm vendor who clearly would tell them the transaction was declined. Ive contacted current multiple times but they clearly have more important things to do. This is an outrage that I would have to put this much time in. Currents failure to investigate despite an active complaint with this agency is also shocking. Ive supplied documentation this time. What do you bet they still wont contact the vendor. 

I want transaction refunded XXXX plus fees. Plus all out if network atm fees for the last year refunded.
Consumer complaint received 2018-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX card was taken over by Capital One. I have had nothing but problems with Capital One throughout my adult life and a quick search on XXXX shows that many others have the same issue. Capital One talked me into electronic statements and then CHANGED the notifications preference to " no '' for an email telling me when my statement was available. I therefore did NOT receive a statement from XXXX XXXX/ Capital One for almost two months. Luckily I have a credit report monitoring service and when my score dropped dramatically I took matters up with them. I believe that Capital One does this on purpose to get as many fees from unsuspecting cardholders as they possible can. They have proven time and time again they are unethical when it comes to the practice of trying to get as many fees as possible from their customers and now with the negative credit bureau inquiry I had to report them. I am now in " wait and see '' mode if they " decide '' to remove this negative mark on my report that I understand could stay there for up to SEVEN YEARS. This happened starting in XX/XX/2018 and the call to correct it was XX/XX/2018 but as I said, I am still waiting to learn if Capital One makes the correction or not.