davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-18
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: Onity Group Inc. (OH)

What I'm failing to understand is unprofessionalism and the many violations coming from CFPB. This is NOT this first time you have provided my personal information too unauthorized companies. A company that has no legal right or my consent to access or utilize my personal information. 

I made my report to you, CFPB about a company that was a part of my XXXX XXXX discharged bankruptcy that had gone out of business however XXXX continued fraudulently reporting for OVER four years ruining my credit report. 

I got a letter in the mail from some strange and unknown mortgage company that i have NEVER did business with, ever. This unknown company is NOT a part of my bankruptcy. The original creditor is listed in the bankruptcy and that account number has been discharged under the original creditors name. 

For this unknown company to have gotten access to my personal information and accessed files FROM the United States Bankruptcy Courts, FEDERAL documents and illegally altered the information, AFTER a Judge has discharged the account is a whole crime within itself! 

This unknown company has NO legal rights too any of my addresses, account/case numbers nor anything else. For one, I did NOT willingly consent and for two, the entire account was long discharged in Federal Bankruptcy Court BEFORE the company went out of business. 

PLEASE tell me when will this stop? When I filed Bankruptcy, EVERY account under the bankruptcy rules and laws were too be REMOVED off the credit report COMPLETELY! This is the results of bankruptcy debt buyers that are only interested in XXXX  XXXX and XXXX XXXX discharged debts. 

It's been ALMOST 5 years since the discharge and i have NEVER fully been given that right too a fresh start because you all allow these discharged accounts too continue too be listed on my credit report. How could an agency that is supposed too help allow such criminal behavior? This is supposed to be an government agency I have kept all my copies of reports and complaints and a very long list of criminal activity because I want others too witness how horrible an government agency allowed an consumer to be treated by creditors that are allowed to violate FCRA and completely ignore an court injunction & boldly being in contempt of court.
Consumer complaint received 2022-12-29
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. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still an accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm this account ( 1 ). ( A ). 

XXXX XXXX
Consumer complaint received 2020-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge 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 (OH)

I had tried to dispute this bill of {$41.00} but CAPITAL ONE customer service didn't want to listen. Therefore I files a compliant with CPFB # XXXX when I files the charge was more than the amount above so Capital One did credit some. 
I recached out the the merchant last year but never heard back from them, XXXX make the contact for you since its a third party purchase and then the merchant was to contact me but it never happened. The current balance is {$41.00} amount in dispute {$0.00} Interest and {$28.00} late free applied while I am disputing the charge of {$41.00}. 

The actual amount was {$41.00} I called Capital One to dispute again today the chick ask for my DOB after I was identified through automated system. Heck no unacceptable.
Consumer complaint received 2020-04-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

XXXX Lost wallet and ID document, SSN, Driver license, Green card , 3 XXXX  XXXX  XXXX credit card , 1 XXXX  XXXX  XXXX debit card , XXXX ID and Driver license, 1 XXXX Bank credit card. 

-Replace all lost documents XXXX Notice from XXXX XXXX XXXX Detective about debit cards ( XXXX XXXX XXXX XXXX , XXXX , XXXX XXXX ) that founded from arresting Jomunrek Gatus at XXXX XXXX Precinct : notify call center about the issue and verify ID. 

XXXX receive letter form Santander Bank . 

XXXX sent the letter provided proof of identity, Identity victim 's complaint and affidavit and NYPD police slip via mail.
Consumer complaint received 2022-01-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (PA)

I sent a letter to Spring Oaks Capital on XX/XX/XXXX requesting a validation. In response, I received a letter dated XX/XX/XXXX with a statement with balances from what seemed to be from another collection agency along with a Bill of Sale document. In response, I responded with a failure to validate letter on XX/XX/XXXX. Spring Oaks replied on XX/XX/XXXX ( received in the mail XX/XX/XXXX ). The letter states they WILL " NOT be conducting another investigation of the dispute '' since they responded to the last letter. With this letter there were more statements along with the Bill of Sale document. The account is reporting on my credit report and I have yet to get any clarity on this debt as requested. I have given ample time for validation yet the so-called account is still not validated and is continuing to report on my credit report causing a negative representation of my character.
Consumer complaint received 2020-04-10
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. (CA)

I applied for a XXXX credit card today XX/XX/20 and I was not approved. I had no idea why I didn't get approved since I don't have any negative account information on my credit ; I called to ask why I was denied and I was told that the reason I wasn't approved for the credit card was because there are accounts in negative standing on my credit. I immediately looked through my credit report and found three accounts that are not mine. The accounts are from XXXX, XXXX XXXX and XXXX XXXX. None of these account belong to me and I have never opened any account with any of these companies. I have reason to believe that someone stole my personal information and used it to open these accounts without my permission. I have already filed a police report with the information that I have. I never received anything from these accounts such as money, goods, services or any other benefit and I never allowed those companies to run or access my credit.
Consumer complaint received 2020-04-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: U.S. Auto Sales Inc. (SC)

US Auto Finance has a balance reflected on my credit report which shows charged off. This car was totaled. I did not receive any letters or calls stating that there was a balanced owed. If this company checks my account can they see I called to inquire if my load was covered with the payoff from the insurance company and was told yes. There were no further communication from US Auto.  In years my account was never late!!! I demand this be removed from all credit reports as I have no statement showing what this balance is for or why!
Consumer complaint received 2020-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (CA)

I recently discovered that Wells Fargo has been charging me a XXXX dollar annual fee for a credit card for the past XXXX years. I went into a branch to ask about it and they told me in the branch that there should not be a fee. They told me I would have to call customer service and talk to them. I called and spent an hour and twenty five minutes on the phone with them. They told me yes, there is no fee but we can only reimburse you for last year. Not the other years that they stole from me. 

I asked " Wasn't Wells Fargo recently fined by the government for stealing money from their customers through credit card fees, etc. '' That got their attention and the person I was speaking with passed me over to someone else. That person spent 20 minutes trying to locate a original agreement between the bank and I regarding fees but could not find it. I then reminded them to just look on their website where you advertise this very card - it says there are no fees. She then gave me an 18 digit case number and said someone will call me someday. I have no faith that they will act accordingly.
Consumer complaint received 2022-04-13
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: Experian Information Solutions Inc. (TX)

I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF EXPERIAN NEEDS AUTHORIZATION TO PROCEED, THEN I GRANT EXPERIAN MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. I, XXXX XXXX, consumer and natural person, am a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand that a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer pursuant to 15 USC 1681b ( c ) ( 3 ). Pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized.
Consumer complaint received 2020-04-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: U.S. BANCORP (IL)

I was hit and my car was totaled in XXXX. I had an extended warranty on the vehicle and there was a refund of the unused portion of that warranty. Because there was still a small balance on the loan and the Title was still with U.S. Bank the dealership refunded the unused warranty money to U.S. Bank. I had payed off the loan not knowing the dealership would send the overage to U.S. Bank. U.S. Bank has been over payed for the loan in the a mount of {$2000.00}. The dealership sent a check to U.S. Bank for {$2000.00} on XX/XX/2020. I have called U.S. Bank 15 times about this matter and they continue to tell me that they do not show having received the check. Multiple Bankers and Managers have promised to look into this matter and call me back. To date I have received 0 call backs. The time I have spent trying to resolve this matter can never be recovered. In my opinion U.S. Bank should be trying to resolve this matter but that has not happened. Please HELP. The names and locations of the 15 people and five call centers I have talked to can be provided if you wish.
Consumer complaint received 2020-04-10
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. (CA)

In 2018 I suffered a debilitating illness and was in the care of a family member which required me to leave my residence and move in with my sister at her residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts with XXXX XXXX XXXX ( FTC Report # XXXX )
Consumer complaint received 2020-04-10
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. (CA)

In 2018 I suffered a debilitating illness and was in the care of a family member which required me to leave my residence and move in with my sister at her residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts with XXXX XXXX XXXX ( FTC Report # XXXX )
Consumer complaint received 2020-04-10
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. (FL)

XXXX XXXX XXXX XXXX is appearing on my credit report as delinquent when there is a pending Appeal of this case and no decision has been rendered in this matter, therefore this debt collection agency is falsely reporting a voluntary repossession on my account, while this case is being Appealed currently with the Fourth District Court of Appeals.

Please see attached documents
Consumer complaint received 2022-04-13
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: Experian Information Solutions Inc. (OH)

I have credit freeze, a fraud alert, credit locked, and social security number frozen. i keep getting alerts that i have new accounts. How can that happen? It's always XXXX  XXXX XXXX. I have talk to them over 5 times over the last 3 months about me not applying for this card. They say they will take care of it, but once again XXXX  XXXX XXXX approved a card with a {$12000.00} credit limit. I have also talked to all XXXX credit reporting agencies. Nothing seems to get done. This is starting to effect my health. I am at my wits end. PLEASE HELP!!!!
Consumer complaint received 2023-07-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NC)

Hello, The debt collection agency is attempting to collect interest on a debt in which the originally debt/ contract ( it is housing ) does not have debt. I have reached out to them to get it resolved, they submitted proof that there is no interest on the originally contract but will not remove the interest. The debt itself is also not viable since I receive a pay or quit notice when rent was not even late and after I filed a complaint for unlivable housing conditions.
Consumer complaint received 2022-01-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/2022, I was unlawfully discriminated against by Lightstream when I applied for a used auto loan and pursuant to 15 USC 1691; it was a violation against my rights as a consumer! I reached out to express my frustration with the company and they directed me to an email, that they said, contained the results that allegedly led to my denial, which wasn't the case. The email didn't serve as a resolution to the infringement upon my rights so I decided to reach out again and so far, no resolution!
Consumer complaint received 2020-04-10
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)

XXXX XXXX XXXX XXXX is appearing on my credit report as delinquent when there is a pending Appeal of this case and no decision has been rendered in this matter, therefore this debt collection agency is falsely reporting a voluntary repossession on my account, while this case is being Appealed currently with the Fourth District Court of Appeals. 

Please see attached documents
Consumer complaint received 2020-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

I was just informed that a chase employee named XXXX at number XXXX : Discussed my banking history with chase AND XXXX XXXX  with an unauthorized third party ( XXXX XXXX ) and then refused to contact me through an interpreter and let me instruct her regarding a check I wrote that cleared and what if any financial information I would allow her to disclose if at all! 

She refused to accommodate calling me to conference in with XXXX XXXX  regarding a check which cleared XXXX and that chase would not clear for this third party. 

She said XXXX XXXX has been bouncing a lot of checks with this 3rd person.

You need to make this right. I am himilated and feel dehumanized. She would not contact me in an accessible way and so now this person things I bounced a check with them that I didnt! She defamed me and they need to make this right. 

Ps - the check was my part of rent and now Im late and Im going to get 100s of late fees.
Consumer complaint received 2020-04-10
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. (CA)

I applied for a XXXX credit card today XX/XX/20 and I was not approved. I had no idea why I didn't get approved since I don't have any negative account information on my credit ; I called to ask why I was denied and I was told that the reason I wasn't approved for the credit card was because there are accounts in negative standing on my credit. I immediately looked through my credit report and found three accounts that are not mine. The accounts are from XXXX, XXXX XXXX and XXXX XXXX. None of these account belong to me and I have never opened any account with any of these companies. I have reason to believe that someone stole my personal information and used it to open these accounts without my permission. I have already filed a police report with the information that I have. I never received anything from these accounts such as money, goods, services or any other benefit and I never allowed those companies to run or access my credit.
Consumer complaint received 2020-04-10
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: Experian Information Solutions Inc. (CA)

I applied for a XXXX credit card today XX/XX/20 and I was not approved. I had no idea why I didn't get approved since I don't have any negative account information on my credit ; I called to ask why I was denied and I was told that the reason I wasn't approved for the credit card was because there are accounts in negative standing on my credit. I immediately looked through my credit report and found three accounts that are not mine. The accounts are from XXXX, XXXX XXXX and XXXX XXXX. None of these account belong to me and I have never opened any account with any of these companies. I have reason to believe that someone stole my personal information and used it to open these accounts without my permission. I have already filed a police report with the information that I have. I never received anything from these accounts such as money, goods, services or any other benefit and I never allowed those companies to run or access my credit.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

After reviewing my credit report, I spotted some inaccurate late payment accounts that need reporting and correction through your company. 

I attached on this complaint the PDF copy of the dispute letters I sent to the involved Bureaus. I also sent them my personal documents.
Consumer complaint received 2024-01-05
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. (TX)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. Please help
Consumer complaint received 2020-04-10
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: Experian Information Solutions Inc. (CA)

In 2018 I suffered a debilitating illness and was in the care of a family member which required me to leave my residence and move in with my sister at her residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts with XXXX XXXX XXXX ( FTC Report # XXXX )
Consumer complaint received 2023-02-28
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # ending 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