davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-17
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. (IL)

There is an auto loan debt/reposession reporting to my consumer report, and the account does not belong to me. This is a result of identity theft, I have been trying to dispute this matter with both the Credit Bureaus and furnisher, and the account still has not been removed and affecting me, my life, my children, and my family negatively.
Consumer complaint received 2018-10-10
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. (NY)

On XX/XX/2018, XXXX XXXX XXXX reported a negative trade line on my credit report without sending any verification in regards to the CCLR report standard form 750 claims collection litigation report Sec.904.2 of the federal claims collection standard 31.CFR900-904 is a requirement relating to particulars in the amount of {$46000.00} and {$33000.00}. According to title 15-1692B of the FDPCA dealing with communication with third parties, the only way a collection agency can communicate about any debt, 1 ) they must have a post judgement from a court of competent jurisdiction or 2 ) prior consent from the consumer giving express consent to a court of competent jurisdiction. This is in violation of New York general business law sec 349-Deceptive act, sec 380S-Identity theft and title 15U.S.C.Sec.1632-form of disclosure ( 2 ) creditor to provide contracts to the bureau. As defined under the title 18 U.S.C.Sec 1030-Access devise the reporting agency did not follows the laws under title 15 U.S.C.1681 S-2 ( a ) - duty of furnishers of information to provide the accurate information Attachments area
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY (SC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

Please see attached file for these items I am complaining.. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2018-10-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Systematic National Collection, Inc. (CA)

Bank owed debt on a cash withdrawal that caused account to stay in a negative status, the debt was incurred from a Bad Cashier Check Deposit ( the Cashier check was furnished from a Counter fit Person under investigation ) I personally filed a criminal police report on the person who gave me a counter fit Cashier Check with the XXXX XXXX Police Department. I wasnt able to bring my checking account to a positive status, thus creating a debt in the amount of the cashiers check. The collection agency has created over $ XXXX intrest on the original debt amount {$2000.00} ~ Under the Fair Debt Reporting Act, intrest cant be incurred if their no agreement and a checking account does charge intrest but a None Sufficent Fee, this Debt amount reported is inaccurate and not true. 
UNDER PENALTIES OF PURGERY THE INFORMATION IS TRUE AND CORRECT. 
XXXX XXXX @ XXXX XX/XX/18
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (FL)

I have an auto loan with the Westlake financial, my car had an accident and it was a total loss. My insurance paid the westlakes financial in XXXX. I have also paid and the payments do not appears in my credit report. Westlake has not report the payment to my credit report.
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: EQUIFAX, INC. (PA)

I have a fraud alert on all 3 bureaus I noticed inquiries on my account which I did not authorized which need to be deleted I did make another Ftc report as bureaus requested. 
the inquiries I noticed on XXXX is : XXXX XXXX XXXX XXXX and XXXX  the inquiries I noticed on EQUIFAX is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE (FL)

I have been dealing wiht  Barclays Bnk  regarding my credit card since   X/X/2017    . I have already submitted a complaint nothing has been done by the company to correct there mistake and now the problem has gotten worse.     On    X/X/2017      i called Barclays bank to inform them i was unable to return to work due to an injury, and asked if there was any programs to help me out as it would be very hard to make payments until i receive my  XXXX  hearing as i have very little income. The representative told me that they would be able to help me but not until my account was past due, she even went as far as to put me on hold while she double checked for me. She than informed me it would not be a problem but i needed to call back after my account was past due.     On   X/X/2017   the day after my account was due i called back and was told by a representative, that they would help me but my account needed to be more than 30 days late.     After reviewing my accounts  on  X/XX/17  i n oticed the account in question had been marked as past due and a fee applied, i called again on   X/XX/17     and was told sorry theres nothing we can do to help you.     I have been in contact with the office of the  President of Barclays  card who also refuses to help stating i was misinformed and that the person who i originally spoke with does not knnow the requirements for assistance.     When i called the first time to speak wi th Barclays on  X/X/17  m y account was not late yet, I allowed it to go late based one misleading information i was given by a representative of this company, i was given this incorrect information apparently multiple times.     Because of this company i now am two months behind and they are now damaging the credit i was tryinng to rebuild by making negative reports to the credit bureaus.     I was injured at work and am awaiting a disabilty hearing, i have every intention of paying my balances off with this company once i have an income source again.     i was misled into allowing my account to go late, if i would have been informed that there was no way to help me in the first place i would have done everything in my power to keep this account current, but becuase of the misleading information they gave me i am now two months behind and getting negative information given to the credit bureaus, i can not even apply for a debt consolidation loan becuause my score has dropped over  XXXX  points just from the negative comments from this company, this is an outrage,
Consumer complaint received 2022-11-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

5/3 bank sent a threatening letter saying that my hazard insurance had lapsed and that they were allowed to charge my account homeowner insurance during period lapse as per mortgage agreement. Letter states I need to show proof of insurance " immediately ", and it must be uploaded onto a certain website - not 5/3 rd webpage, not through 5/3 employ. Problem is- they NEVER checked with my insurance which is auto renewal so there will never be a lapse of coverage. When i called the number on the notice the lady said " don't worry you are fine, i see you up loaded info '' - I said problem is this is someones JOB - nobody ever checked- i should not be getting threatening letters. She said a manager would call me back - never happened. I called insurance company who confirmed- they would have shared info / or lender can " see '' by check some site that it is auto renewal. This is second year i have received this letter and done work for them uploaded proof of insurance. If they want patrons do upload proof of insurance each year- ask nicely, tell me at closing - Local branch also said they couldn't do anything about it as it doesn't come from them -- - Banks shouldn't be able to threaten patroons with large fees, and should do their due diliagence.
Consumer complaint received 2023-02-25
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: Bread Financial Holdings, Inc. (NY)

On XXXX XXXX I receive an email from this breadfinancial aka Comenity bank with good XXXX rewards card open with {$400.00} Id never apply to this company Im out of the country dealing with a family emergency so I did try to contact the company and they saying I have to wait
Consumer complaint received 2023-06-14
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. (CA)

I called the credit reporting agencies including Equifax, XXXX, and XXXX to inform them that some collection accounts listed on my account credit report are inaccurate and should not be reflected on my report, as I never gave XXXX, Equifax or XXXX permission to put the following accounts XXXX XXXX ( Account # XXXX ) and XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX on EQUIFAX, Account # XXXX ) on my consumer report. Also the investigation took well over 30 days, and no results have been produced. 

Equifax, XXXX, and Equifax are willingly and knowingly furnishing information on my consumer report without my consent, which is a violation of 18 US CODE 1028 AGGRAVATED IDENTITY THEFT. 1028A. 

Aggravated identity theft provided for such felony, be sentenced to a term of imprisonment of 5 years. Identity theft is a crime where someone wrongfully acquires another person 's personal identifying information for fraud or deception for economic gain. In other words, it's taking another person 's identity for fraud, false statements, or misrepresentations.
Consumer complaint received 2023-07-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FirstPoint Collection Resources (NC)

I satisfied this debt to the original company XXXX XXXX about 3 years ago. I switched carrier and do not owe this company or First Point Collection agency. This debt has not been verfied by either company and needs to be deleted. 

I sent certified mail to the collection agency via usps and have not heard a thing. 

This debt needs to be deleted from my XXXX credit file ASAP. 

This is fraudulent.
Consumer complaint received 2023-02-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX Date of inquiry : XX/XX/2021 XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX  Date of inquiry : XX/XX/2021 XXXX Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

The did not do this. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because under 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide an account without my written instructions I did not give anybody written instructions. 

I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2021 ( add the date the client started with us ) with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible.
Consumer complaint received 2023-02-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: WELLS FARGO & COMPANY (NV)

Wells Fargo is involved in a class action lawsuit pertaining to fraudulent car loans, or practices. I had a Wells Fargo car loan between XXXX. I was forced into XXXX insurance in order for Wells Fargo to approve the car loan. I never received any money back when my car was deemed totaled.
Consumer complaint received 2023-02-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (FL)

I have called them several times to lower my payments back to $ XXXX and was told that they couldn't do anything until XX/XX/2023. Which by that time they would have reported to my credit for 4 months and my co-signer, basically destroying our credit..
Consumer complaint received 2020-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

Equifax is reporting a XXXX XXXX collection that is not mine. XXXX and XXXX  has removed this collection due to failure to verify it was mine. Equifax has not complied.
Consumer complaint received 2017-05-14
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: DISCOVER BANK (CA)

I keep tellin g Discover Card (  they have my current cell phone and home numbers ) not to keep calling an elderly relative who I have n't seen in ten years. One day they called her house five times!! So they do not need to call her when they can call me.
Consumer complaint received 2023-02-25
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 2022-11-17
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'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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-14
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. (MS)

I valued your time to remove some of the information in my file that resulted from an alleged identity theft but I have items left that need to be removed. Per FCRA section 605 you are required to remove the items. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your wilful noncompliance. These fraudulent items need to remove from my credit file immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX Inquiry dated XX/XX/2022 ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX dated XX/XX/2022 ; XXXX XXXXXXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXXXX/XX/2022.
Consumer complaint received 2024-06-25
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (WI)

I received a letter from Citibank for a XXXX XXXX card that was addressed to the Estate of my name. I am not XXXX and by the XXXX XXXX XXXXXXXX hope not to meet my maker for a while. This is XXXX and wreaks of fraud or incompetence. 

I called Citibank and XXXX XXXX to no avail as they said Citibank sent the information to them ( XXXX XXXX ) which is a agency set up to collect from an estate on XXXX. They pointed me back to Citibank. 

WHEN REVIEWING CARD IT IS UNDER XXXX which is part of my hypen nated name I called and spoke to XXXX badge number XXXX. She has no idea where or why this was sent nor where it was generated from. Thus, I don't believe this to be true as it has to have originated somewhere for some reason. This is fraudulent and deceptive behavior and needs to stop with a full explanation of how this happened. The card was open and paid on and the only thing that did happen was a decrease of {$100.00} in limit from their end. I want this corrected with an explanation and an apology and off the account.
Consumer complaint received 2023-06-14
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. (NV)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.