davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-14
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. (OH)

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. 

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 DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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 2023-02-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

This report open for over a year and remains a major impact to our credit score. It has impacted our ability to get a loan or credit or buy. I have been in touch with the bank and XXXX and to date NOTHING RESOLVED EVEN THOUGH BANK HAS ACCEPTED XXXX cents final paid in full PAYMENT they continue to post as charged off XXXX cents. It is beyond unacceptable!
Consumer complaint received 2022-05-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HOVG, LLC (PA)

As of XX/XX/2022 I have attempted to get Bay Area Credit to provide me with proof that i am in fact that the correct consumer who they claim owe {$530.00} per receipt forwarded to me by them but that does not constitute as a contract or any verification according to the Fair Debt Collections Practices Act ( FDCPA ). They continue to report this false information on my credit profile, to which has caused me continuing credit issues.
Consumer complaint received 2021-03-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX/XXXX, XXXX/XXXX  XXXX, and Bank of America. The Account Opened is XXXX/XXXX Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$25000.00}. The Account Opened is XXXX/XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$24000.00}. The Account Opened is Bank of America Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$6000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (MI)

On XXXXXXXX XXXX XXXX  and XXXXXXXX XXXX XXXX Credit Acceptance made a fraudulent consumer report using my personal information without my consent, to the consumer reporting agencies ( Bureaus ).
Consumer complaint received 2017-07-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

i contacted midland credit management, inc on XX/XX/XXXXabout debt owed from a credit card that i never owned and they said they wo n't dispute it because it was a charge off and is in collections. the amount it says i owe XXXX from XX/XX/XXXX which it was reported originally from XXXX. i told them i never stayed at the adress listed. i also tried to have it disputed with a 609 letter and they sent me a statement with no valid proof.
Consumer complaint received 2024-04-02
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Today XX/XX/XXXX, received a statement from BJ One Mastercard by Capital One. I was charged {$55.00} to renew membership on XX/XX/XXXX. I called today and they said they would refund the {$55.00}, but the credit would not post until on the card till XX/XX/XXXX XXXX days past the penalty date, where the would charge me a {$40.00} late fee. Capital One suggested I pay the {$55.00} today and wait for a refund. This appears to be a well planned sceam to collect late fees from unsuspecting consumers and put millions in their pocket. I told him I would not pay today {$55.00}, but its not right to charge me a late fee because of a business process designed to extract late fees from customers.
Consumer complaint received 2024-04-02
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

Bank of America transferred XXXX $ to a bank account called XXXX XXXX. They directly deposited this money into the XXXX XXXX account. I DO NOT have an account with XXXX XXXX. 
Bank of America refuses to credt my account back the XXXX $ Now I am accruing interest and late fee charges. I have been fighting with Bank of America for over XXXX weeks. I have filed a report with my local police department and called credit reporting agencies. I have been a member with BOA for XXXX  years. I have NEVER transferred money into another account especially in such a large amount. BOA never received my permission to due so nor did they contact me for such a large transfer balance. { This should have been a red flag to BOA }. I tried finding out on my own information about this " XXXX XXXX bank ''. XXXX BOA agent gave me a # that was linked to this XXXX bank XXXX XXXX XXXX XXXXThe person who answered said they were located in the XXXX and would not give me any more information unless I gave them my SS # or a credit card. I also reported this to BOA since they never looked into this fraudulent transfer.
Consumer complaint received 2024-03-25
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. (CA)

Please take note that this constitutes my numerous written request, indicating my firm intention to pursue litigation in accordance with the FCRA to uphold my rights and seek relief, including all monetary damages entitled to me under 15 USC 1681n and 15 USC 1681o, regarding your continued willful and negligent noncompliance. 

Despite previous written requests, the unverified items listed below persist on my credit report, which is a clear violation of Federal Law. According to the FCRA, you are obligated to possess a copy of the original creditors documentation to verify the accuracy of this information. 

In both the initial investigation and subsequent reinvestigation, you asserted in writing that these items were " verified '' and being " reported correctly ''. I am left questioning who conducted this verification process. Furthermore, you have not provided me with any original documentation, such as a consumer contract bearing my signature, as mandated by 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Additionally, you have neglected to furnish the method of verification as required under 15 USC 1681i ( a ) ( 7 ). It is important to note that under 15 USC 1681i ( 5 ) ( A ) of the FCRA, you are required to promptly delete all information that can not be verified. 
Discharged XXXX : Bankruptcy Reference Number XXXX.
Consumer complaint received 2022-11-25
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: Experian Information Solutions Inc. (NH)

In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX, XXXX XXXX  : XXXX, XXXX  XXXX  : XXXX, XXXX  XXXX XXXX : 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
Consumer complaint received 2024-04-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: NEW YORK COMMUNITY BANCORP INC (GA)

On XX/XX/year>2023 we noticed our flag star were locked for any transfers. Called flagstar on XXXX to see how I could pay. 

In the meanwhile we sent XXXX payments XXXX on XX/XX/XXXX ( {$40000.00} ) another on XX/XX/XXXX ( Approx ) for {$7200.00}. 

Both credited on XX/XX/XXXX and XX/XX/XXXX. 

If you see the attachment, there is no mention of XXXX on XXXX. In fact I had to take a blind faith and send that XXXX in the for of a bankers check no possibility of confirmation is lost in mail. That is scary. Also this is not the only payment sent in XXXX, Insite of Flagstar having major issues, The reason being the customer service dud not seem to care and suggested the mail with XXXX could be lost. Please listen to recorded conversations, The bank folks are not trained at all. Sounds as though dealing with money leaders in medieval times.

A brief history Flag star bank limits your incoming transfer. Customer can not change if there is no physical flagstar bank. This will either force you to create multiple transfers or make a mistake one day.

Flag star has reported this to the credit bureau in spite of the fact XX/XX/XXXX in the date to call late ( as per Flagstar ) Flagstar then raised my interest rate and I now can not go to any other Leander due to their " Late reported to credit '.

Please note that Flagstar web accounts are full of bugs. At no time did I get an email or message that {$40000.00} was credited.

One more example. I have an auto debit set got XXXX ( XXXX ) extra for principle. Flagstar website only shows installment to be debited and not principle. I can go on with at least XXXX important bugs that are specifically designed to throw customers off. 

Further the entire latter half of 2023 had web related issues day in and out. If it was possible to get Flagstar XXXX system. We will see this actions in their log ( deliberate or not I am not sure ). 

None of the credits show in time. Even a check of {$7200.00} transfer from flagstar to its own mortgage took XXXX  days.

Looks like they start debt collection before default. All this amounts to my suspicion that this bank is not functioning as it is supposed to. 

End of the day, all consumers in third party reviews say the same thing, Suspicious and fraud. 

I am one small consume. But for a bank to do this is wrong.

Thank you, Sincerely.
Consumer complaint received 2024-04-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (PA)

My car was wrecked in XX/XX/XXXX and it was considered totaled in XX/XX/XXXX. I called to get payoff amount and they informed me on XX/XX/XXXX that it was approximately {$8100.00} prior to insurance payment and prior to approximately {$1600.00} credit for car warranty that would be cancelled and that they would owe me after all payments are applied. Well when I logged in on XX/XX/XXXX and called them they argued stating otherwise and have added additional interest fees and have a payment still reflected as past due when they just got a large payment from my insurance on my behalf. Im being given the run around. This company seems like a XXXX  and I want it investigated.
Consumer complaint received 2022-11-15
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete these immediately : 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-04-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ALLY FINANCIAL INC. (FL)

On XX/XX/XXXX I received an statement from ally credit card XXXX XXXX XXXX XXXX Texas XXXX stating that I own XXXX which was charge on XX/XX/XXXX from a company XXXX XXXX XXXX  XXXX XXXX XXXX fl. I never applied for the card and I dont know the merchant. I call ally they were very helpful I report fraud they inform me they are going to sent me some papers that I need to sent back and told me to file a police report which I already did but the police ask me if the credit card was open online or in person which I dont know that information. Anyways the report has been filed and now I would freeze my credit.
Consumer complaint received 2024-04-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CO)

I did not receive a XXXX billing statement for my payment that was due on XX/XX/2024. They sent me a billing statement on XX/XX/2024 for my XX/XX/2024 payment, but no billing statement was sent for XXXX. 

As of today, I received an electronic letter that my account was on Administrative Forbearance, but no explanation or details were given.

Ever since being transferred to Mohela as my loan servicer, there has been nothing but problems. From difficulty getting a hold of them, missing or late billing statements, and delays in processing PSLF waiver forms and employment verification.
Consumer complaint received 2024-04-02
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Consumer Portfolio Services, Inc. (GA)

In accordance with 15 USC 6805, this complaint is being submitted to the Consumer Financial Protection Bureau for enforcement and action to be taken against the financial institution being complained against, Consumer Portfolio Services d/b/a New Roads Auto Loans. I am writing to make a complaint pertaining to their handling of vehicle financing under the Securities Exchange Act. There is evidence of Securities Fraud and Tax Evasion. With reference to my promissory note and certificate of indebtedness, they received a CUSIP Number from the Treasury and engaged in trading activities on the secondary markets. According to the XXXX form recently dated on XX/XX/2024, XXXX XXXX XXXX XXXX XXXX is named as the trustee and XXXX XXXX XXXX XXXX, named as the Chief Executive Officer.
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-06
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is ( client name ) and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-17
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: Experian Information Solutions Inc. (AL)

I the federally protected consumer have been VIOLATED by EXPERIAN. I've been calling them for multiple days now and yesterday I tried to get in contact with a supervisor and they told me a supervisor would call me back in an hour which NEVER happened. I called again today and I finally was able to get ahold of a supervisor I told her there is inaccurate information on my consumer report and ask what investigation did EXPERIAN conduct to make sure this information was accurate. she told me NO INVESTIGATION was done to verify the validity or the accuracy of the information. I told her the information was inaccurate and that I never even gave consent to have my private information furnished in the first place and asked that the inaccuracies be removed from my consumer report. she told me that BY LAW they don't have to remove anything and as a BUREAU. I know that information is FALSE because EXPERIAN is NOT a bureau they are a credit reporting AGENCY. the CFPB is the ONLY BUREAU and the information she was giving me was already inaccurate from the beginning. the CFPB has recently released an article proving that EXPERIAN has not properly handled customer disputes and proper investigations were not being conducted. I told her that the company is infringing on my right to privacy and is reporting inaccurate information and she HUNG UP ON ME!!! this is a violation of my consumer rights 15 USC 1681i ( a ), 15 USC 1681i ( 5 ), 15 USC 1681c ( a ) ( 1 ) and 15 USC 1681b ( a ) ( 2 )
Consumer complaint received 2023-05-09
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. (NV)

I am a victim of identity theft. The information listed in attachment which appears on my credit report, does not relate to any transaction ( s ) that I have made. 
It is the result of identity theft. 
I have disputed these accounts with you since XXXX of 2022, and NO action was taken. 
section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within FOUR BUSINESS DAYS and to promptly notify the furnisher ( s ) of that information. As consumer I am requesting these accounts to be deleted IMMEDIATELY Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Consumer complaint received 2022-11-15
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: Experian Information Solutions Inc. (NV)

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 Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  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 take 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 2022-11-26
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00}, XXXX XXXX XXXX Balance Owed : {$70.00}, XXXX XXXX Balance Owed : {$680.00}, XXXX XXXX XXXX XXXX Owed : {$1600.00}, XXXX XXXX Balance Owed : {$220.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.