davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westcreek Financial (IL)

I have spoken with the below mention companies advising that i'm not the account holder and not open the account. The XXXX  police report number ( XXXX ) was completed regarding this matter and the items have not been removed from my consumer report. 

XXXX - {$1800.00} and another account {$790.00} XXXX- {$3700.00}
Consumer complaint received 2023-11-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

UPON MY REVIEW OF THE ATTACHED EXHIBIT ( EXHIBIT E ) I REALIZED THAT I NEVER SAW THIS DOCUMENT, NOR DID I SIGN IT. MY SIGNATURE ON THIS DOCUMENT IS A FABRICATION.
Consumer complaint received 2022-12-09
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. (OH)

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 

XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX and XX/XX/XXXX XXXX XXXX - XXXX day delinquency reporting XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (IL)

I have spoken with the below mention companies advising that i'm not the account holder and not open the account. The Illinois police report number ( XXXX ) was completed regarding this matter and the items have not been removed from my consumer report. 

XXXXAffirm - {$1800.00} and another account {$790.00} XXXX- {$3700.00}
Consumer complaint received 2024-10-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC (CA)

this is a follow up to complaint XXXX which was previously filed, and your do nothing service which dismissed this with no research. i have filed identity theft report # XXXX with FTC. also made statement to XXXX XXXX XXXX acct # XXXX last 4 digits ) and Jefferson Capitol ref # XXXX. i have received communication from Jefferson Capital acknowledging the identity theft involving me, and their letter stating file closed and collection process terminated. i would like your records corrected to show this error has been resolved. i also demand you contact the XXXX credit reporting agencies to correct their files so my credit record is relieved from this impingment.
Consumer complaint received 2019-11-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hauge Associates, Inc. (SD)

I keep seeing XXXX XXXX  on all 3 credit report, that was in my dead fathers name and they think since i lived there i owe !!! No i do not! I also see another account from XXXX XXXX or XXXX this also is my fathers, these 2 accounts are suppose to be in his name not mine!!
Consumer complaint received 2023-01-27
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. (MI)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and EQUIFAX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2022-12-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 

XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX and XX/XX/XXXX XXXX XXXX - XXXX day delinquency reporting XXXX XXXX  XXXX - XX/XX/XXXX
Consumer complaint received 2020-12-31
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. (CA)

I made a payment in XX/XX/2020 for XXXX XXXX. For unknown reason, my payment was declined. I discovered that my card was frozen. Eventually the freeze was lifted. 

I contact XXXX  XXXX to explain why the payment did not go through & was advised to reach out to the credit reporting agency. 

I put in a claim to dispute the late payment & my claim was denied. At the time of the complaint. I did not have supporting documents regarding my accounts being froze. I had to keep call XXXX XXXX XXXX to get them to send me something in writing to support my claim. That document did not arrive until mid XXXX. The system wont allow me to dispute the late fee claims again
Consumer complaint received 2022-10-20
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: EQUIFAX, INC. (NY)

My name 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 2022-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (PA)

On XX/XX/2022 I opened a Checking and Savings account with Ally Bank. Immediately after opening the account I transferred {$250.00} via XXXX into my new Checking account. The next morning on XX/XX/2022, I received an email that my account had been locked and I needed to call Ally to fix it. I called right after receiving that email, and the person on the phone told me that logins were attempted on my account from another country and they had locked the account for that reason. I was told someone from the Fraud department had been assigned and I would receive a call back within XXXX business days. 

I did not receive a call back, and had to call again myself. I was transferred to the Fraud Department and they told me that I would need to provide photos of my Driver 's License and Social Security card in order to unlock my account. At this point I decided I no longer wished to bank with Ally, and asked that they return my funds and close the account. The person I was speaking with said they could not do that and explained that the only way for my money to be returned and account closed was to provide the private documents that they requested. Ally has proven to me that they are an untrustworthy company by only locking my account and requesting these private documents after I deposited my hard earned money into their account. I explained to the representative that I do not trust Ally, and will not provide the requested documents. I was transferred to a supervisor, and got a voicemail that told me I would receive a call back with 48 hours. I left a message, and 3 business days passed without a call back. 

I called Ally again on XX/XX/2022, and again explained my situation to the representative who told me the same thing as previous, and again offered to transfer me to the supervisor voicemail, I insisted that I told directly with a supervisor and not the voicemail because that did not get me a call back last time. The representative said there is nothing else they could do for me, and transferred me to the voicemail where I again left a message to be called back. 

At this point it feels as though Ally Bank has stolen this money from me, and is holding it hostage until I turn over my private information. I no longer trust Ally Bank, and will not provide them with any further documentation. I would like my money returned exactly as it was deposited, and my accounts closed.
Consumer complaint received 2020-12-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The accounts reporting from XXXX, XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX XXXX are fraud, they are not mine and its affecting my credit score.
Consumer complaint received 2021-07-09
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. (CA)

I have several inaccurate and unauthorized accounts reporting on my credit report that were added wrongfully on my credit file and are fraudulent, therefore I filled a identity theft affidavit along with the Fair Trade Commission and submitted it to XXXX, XXXX, and Equifax. XXXX and XXXX and Equifax are not doing their job and are just verifying these accounts as accurate without really investigating.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

Equifax is falsely reporting inaccurate information from XXXX XXXX XXXX XXXX, XXXX in the amount of {$240.00} XXXX XXXX XXXX XXXX, XXXX in the amount of {$100.00} on my credit report. I've asked that this information be validated by the contract, note, or other instrument bearing my wet signature or that this item be removed XXXX Conf. # XXXX XXXX Conf. # XXXX XXXX Conf. # XXXX No information has been provided to me, nor has these items been removed. These accounts do not appear on any of my XXXX or XXXX reports and they do not belong to me! This is extremely detrimental to my overall credit rating and has caused me severe financial and emotional distress. 

According to the FCRA code 15 U.S.C 1681a2, states that I must give written permission to have these accounts furnished on my credit report. I did not give written permission to have these accounts report, as they do not belong to me!
Consumer complaint received 2023-01-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (NV)

I purchased a XXXX pre-owned XXXX XXXX XXXXXXXX from XXXX in XXXX TX in XXXX. After almost a year of ownership my daughter was diagnosed with XXXX XXXX and I lost my job. 
I contacted Wells Fargo to set up a payment plan. No one ever responded to me and one morning I went out and my car was gone. I was told that if I wanted it returned I would have to pay several months in advance along repossession and storage fees.
Consumer complaint received 2022-12-05
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. (NC)

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate. I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which are : Equifax, XXXX, and XXXX; did not modify or removed anything. I asked for the description of the investigation according to 15 USC 1681i. I still didnt receive anything. Per the FCRA they have violated my federal rights under the following laws : 15 USC 1681a ( 2 ) ( i ) report containing information solely as to transactions or experiences between the consumer ( an individual ). and the person ( any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity ). making the report ; 15usc 1666b which states : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
15USC 6802 ( a ) ( b ) ( c ) ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) OPT OUT ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2023-11-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (SD)

On XX/XX/XXXX I filed a complaint with the CFPB against XXXX XXXXXXXX XXXX XXXX for deceptive practices and converting a purchase agreement into a lease arrangement after the product was paid in full ( CFPB Complaint ID XXXX ). On XX/XX/XXXX the CFPB ordered XXXX XXXX to pay {$36.00} XXXX in penalties and provide relief for tricking consumer and hiding contract terms ( CFPB choice of words from their press release heading ). Docket number XXXX. XXXX consented to this order. In XXXX of XXXX, XXXX sold the alleged debt to XXXXXXXX XXXX XXXXXXXX XXXX. With the assistance of the CFPB I was able to get them to delete the tradeline from my credit reports and received a commitment from them to never resell the debt. ( CFPB Complaint ID XXXX ). However, Vance and Hoffman purchased this debt and refuses to acknowledge the terms of the consent order and all previous CFPB actions. This tradeline remains on my credit file and is resulting in a significant rate bump on my mortgage application due to it lowering my credit score. Over the course of the mortgage term, this rate bump is equal to {$86000.00}.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. 
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 and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is 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.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
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 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 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (TX)

Jefferson Capital Systems is reporting a collection on my file that is not mine. I have been disputing this for months with the bureaus and have received 0 information on this account and no validation or removal. I have filed an Identity Theft report for this account. I do not recognize the company XXXX XXXX XXXX. I have never had an account with them as I do not know what they even offer. 
Please remove this immediately as it is severely affecting my credit file and caused personal distress.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2022-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital One changed the mailing address on my account without my input or permission while had caused all the saved card information to mismatch. Since I didn't know Capital Onr had taken it upon themselves to change the personal information attached to the accohbt this mismatch has generated fraud alerts and caused the account to become restricted.
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Re : Violation of the Fair Credit Reporting Act ( XXXX ) Your company denied my claims of fraud for a negative account and verified the account is reporting accurately. My claims were not reported in error, and you are violating my rights has a federally protected consumer. 

It is against the law to report any information that is not PROVEN as accurate. You are required to provide evidence of your allegations to deny my request associated with the account below : PLEASE REMOVE THE FOLLOWING ACCOUNTS REPORTING THAT SHOULD BE EXCLUDED THATCONTAINS TRANSACTIONS EXPERIENCES PER VIOLATION 15 U.S.C. 1681 ( a ) ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX My personal financial information was obtained without my permission which qualifies as identity theft. Thus, a violation pursuant to 15 USC 1681c-2. Block of information resulting from identity theft. 

Enclosed : 1. FTC Report 2. Copy of Driver License
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have pulled my report and saw accounts inaccurately reported. I know that credit reporting agencies are supposed to report only 100 % accuracy. This is obviously a violation of my rights Under 15 USC Code 1681e ( b ) and 15 USC code 1681i ( 5 ). Below are the accounts being reported. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-12-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Recovery Solutions, LLC (MO)

On XX/XX/XXXX, I received a notice of a collection from XXXX XXXX, XXXX. I immediately sent a letter to request a verification of debt on XX/XX/XXXX. To date, they have not responded to the request. However, they are still calling me. Today ( XX/XX/XXXX ) they left me a voicemail about paying the collection through their website, however I am not supposed to be contacted during the dispute process. On XX/XX/XXXX, I sent another letter, stating that I had not received verification of the debt.
Consumer complaint received 2022-12-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (IL)

A modified loan was made, I > payed {$500.00}, and an additional loan, XXXX XXXX  resulted, XXXX because of the fraud not handled. I was told by XXXX for the XXXX next 4 months not to send in the payment, wait for the > papers to come in the mail, and XXXX I owed nothing. At the XXXX same time I was being called in the XXXX month, that I was > behind XXXX payments. The agent saw the file, and said, no, I > was fine, and do not pay until the loan papers came, and I > owed nothing behind. Fraud, misinformation, resulted in > foreclosures, higher payments, additional loan. I was > victimized and I recently~ applied for FHA loan, but XXXX  has > late payments on m~ record. If XXXX took this off, I could > pay all of the loan ir 20 days. If XXXX  gave me a letter XXXX addressing what happenned to me, I would qualify for the FHA XXXX loan. > Print - Close