davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$500.00} XXXX XXXX XXXX Balance Owed : {$7300.00} XXXX  XXXX Balance Owed : {$14000.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$18000.00} XXXX XXXX Balance Owed : {$1300.00} XXXX  XXXX XXXX Balance Owed : {$300.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX 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 XXXXXX/XX/XXXX. 
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research itemsI found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2024-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or rectify the following inaccurate accounts in my report : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-06-03
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (TN)

experian is reporting XXXX XXXX XXXXe on my credit report without verifying or investigating information. who are experian working for if they can just put wrong information on people credit when they feel like it. 
XXXX is XXXX XXXX XXXX and exprian reported that they Last Reported : XX/XX/XXXX on this date meaning they investigated to see if was true as well. 

XXXX XXXX sent me a copy of someone record of a car they sold but this doesnt look like me or what i have done. 

XXXX XXXXXXXX is reporting through experian that Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX according to XXXX XXXX their information has another date of last activity. 

XXXX XXXXXXXX says from the attached information they sent through cfpb that the date of last activity was NOT XX/XX/XXXX and was NOT date of last payment XX/XX/XXXX they are re-aging the account and experian has said they verified this but as you see this information is wrong.
Consumer complaint received 2017-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

APPLICATION ID :  XXXX  On  XXXX   XXXX , 2017 I applied for a capital one spark business credit card for my company   XXXX   XXXX   XXXX   XXXX  . I am the owner and only member of this company. When I applied I received a message stating they were still reviewing the application.
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On  XX/XX/XXXX , I received an email stating they need more info. They needed Photo ID, Proof of address and SS card. I uploaded those documents using their online portal, as well as faxed. I faxed Drivers License, SS Card, Check stub from one of Employers and EIN from business.
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Only  XX/XX/XXXX h I called Capital One, they confirmed they had everything they needed and it will be 3 weeks for a decision to be made.
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Today  XXXX   XXXX , 2017 I received an email from capital one dated  XX/XX/XXXX  stating I was denied because they were unable to verify information and application was " incomplete '' But per the screenshot below in the attachments, I gave them everything they asked me for from the email they sent.
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I get home today  XXXX   XXXX , 2017 and I also received mail from them. Per attachment its dated  XX/XX/XXXX . 2 Days before letter on email. Mind you, they emailed me the letter today and its dated  XX/XX/XXXX  ( CONFUSING RIGHT ) The letter dated  XX/XX/XXXX  is stating they need proof of business existence for Entity   XXXX   XXXX   XXXX  , and Proof of physical address for your skincare spot.
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I am upset because this whole process is completely unorganized and misleading. When I called to confirm they had everything ( per recorded phone call ) they said they had it all and is processing application. Then I get a denial and a more info is needed same day but dated two different days apart?
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I am LOYAL CUSTOMER. I have a auto loan and   XXXX   personal credit cards. I dont deserve to be treated unfairly. My application deserves to be handled properly and with dignity. I am requesting capital one to review my application.
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Attached to this complaint is a screenshot of all correspondents from Capital One. Along with some of the necessary documents needed to process application fairly.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I hired XXXX XXXX  to assist me with incorrect information showing on my credit report several years back which Portfolio or XXXX was never reporting anything, then all of a sudden they hit my credit report with incorrect information that sunk my credit score for years, Portfolio and XXXX started to report debt and re age old debt as if it just happened and it's over 5 years old. It is costing me jobs and higher insurance due to incorrect information being reported for years. I want all the following accounts removed immediately, they have violated my credit rights for years which is approximately $ XXXX in collection charge offs, on top of original company reporting on my credit so it looks like I owe 2 companies same debt and dates of reporting of last activity and open dates are different with all of the following companies. 
XXXX XXXX  XXXX  XXXX XXXX Portfolio Recovery multiple accounts XXXX multiple accounts
Consumer complaint received 2015-05-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MI)

Mortgage paid off in full on XXXX/XXXX/15. Lender failed to return unused escrow funds ( {$1900.00} XXXX. Lender indicated funds would be returned by XXXX/XXXX/15. Funds have not been received as of COB XXXX/XXXX/15.
Consumer complaint received 2024-06-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FC HoldCo LLC (GA)

I purchased a car with my mom at XXXX XXXX XXXX. I was experiencing transmission issues and I was told that I need to take the car to the XXXX dealership. At the XXXX dealership I waited a month to find out the car needed a transmission replaced and I was going to be the one to foot the bill. I personally performed oik changes which XXXX XXXX XXXX found no issues with oil or engine performance. The failure of the transmission was the only thing that was wrong with the car. I was told that the warranty was included with the purchase of the car and because of the amount of mileage I had put on the car i had to have receipts for the oil changed. I don't understand why they failed to cover the warranty stipulations during signing. The finance company offered no assistance. Now we have a repossession on our credit and we're out of car which cause the loss of my job
Consumer complaint received 2023-05-24
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: TD BANK US HOLDING COMPANY (CA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to ensure my private information is not shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Target/ TD is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Target/ TD, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Target/ TD whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Target/ TD never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2017-07-15
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)

In late-  XXXX   I contacted  XXXX , Experian and  XXXX  with the following request. " Please remove the following derogatory report from my credit report :   XXXX   XXXX   XXXX   Date Reported -  XX/XX/XXXX  Payment Status - 120 Days Late Account Status - Derogatory Account Number -  XXXX  Account Type - Conventional real estate mortgage Original Loan Amount - {$260000.00} Date Account Opened -  XX/XX/XXXX  Date Account Closed -  XX/XX/XXXX  This property was sold via the HAFA program on a short sale. The short sale was approved by  XXXX  in writing on XX/XX/XXXX  and the transaction was completed on XX/XX/XXXX .
Since it has been over 3 years from the date of sale this should no longer be reported as derogatory. This was not a foreclosure, even though we were informed by   XXXX   on  XX/XX/XXXX  that they insist on using the foreclosure code even for short sales. Unlike other homowners who lived for years without paying their mortgage, we only missed 10 payments between XX/XX/XXXX  to  XX/XX/XXXX , prior to the short sale, after the market crashed in  XXXX . This derogatory reporting should no longer be reported as derogatory. '' I initially contacted   XXXX   XXXX   XXXX   who advised me that I needed to contact the credit reporting bureaus. It was interesting when I spoke with   XXXX   because they said that my account shows a foreclosure, not a short sale. I offered to provide evidence of the short sale, but they declined, stating that even a short sale is listed as a foreclosure.
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I was told by  XXXX  as well as licensed realtors that if I did a short sale it would be on my credit report as derogatory for three years. I feel I have either been lied to by both, or that   XXXX   XXXX   current practice is incorrect. I would really like to know rules or laws, if any, apply.
Consumer complaint received 2024-03-06
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. (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.

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 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate items are still reported on my personal credit report which is not clearly stated as the accuracy and verification of the information. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please fix the account : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-11-23
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. (NY)

I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated as the accuracy and verification of the information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please fix the account : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediateXXXX 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 2024-04-30
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Management Partners, LLC (IL)

Company continues to call and leave messages but is an automated call asking me to contact the company. I've asked for communication to be sent via correspondence yet they continue to call me through various numbers. I have blocked them and they continue to call and leave voice messages.
Consumer complaint received 2023-06-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I submitted a credit repair request to a company, but they failed to respond within the XXXX-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

I've informed Experian on several occasions that I've never did business with XXXX XXXX XXXX. I've requested the purchase agreement which XXXX failed to provide I've disputed this item several times and the law ... 15 usc 1611 states that Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.
Consumer complaint received 2023-05-24
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: COLUMBIA BANKING SYSTEM, INC. (IL)

Contract # XXXX I financed a used printing press in XX/XX/XXXX. The CONTRACT states it is for a used XXXX model. I received a XXXX model. 

I filed a complaint with the XXXX on XX/XX/XXXX and received the attached response from Financial Pacific on XX/XX/XXXX. 

In the early stages, XXXX XXXX did send me an email stating he had a XXXX XXXX XXXX  XXXX XXXX. We talked about several different machines all with different years. At a later date, he then told me via telephone that it was a used XXXX model. The contract stated it was a XXXX model. Why didn't the broker ( XXXX XXXX, XXXX XXXX XXXX ) or Financial Pacific Leasing put the serial number in the contract? Attached to the complaint, is an email between XXXX XXXX XXXX and the original owner of the machine, proving that he had the serial # the entire time and was aware, that it was NOT a XXXX model. 

How and why didn't the broker or leasing company verify the serial # so they know exactly what it is they are financing? 

No one from Financial Pacific Leasing has reached out to me for a resolution. They have however, reached out to the co-signer threatening to sue him and demanded he return the machine, which legally does not belong to him. 

In this complaint, is my new proposed resolution in which I consider fair for all parties involved.
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, 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. (CA)

I received a copy of my credit report & noticed some hard inquires i don't recognize I have filed a complain once and noticed that these did not get deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX 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