davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-12
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. (GA)

To Whom It May Concern : I pulled my credit report today and after an analysis, I've found some information that needs to be disputed. I'm not sure how to do this other than to send a letter to you and ask for it to be investigated or for you to look into all of this, because I don't understand why it's reported inaccurately to begin with. Aren't you supposed to ensure its accuracy prior to the information being reported on the actual report? I thought that when a creditor sends their accounts to be reported, you're supposed to check their documentation. At least, this was what I read. 

Please also send me a new credit report reflecting the changes that you've made so that I can make my own determination and compare it to the original. I'd also like to see any paperwork that was furnished by any creditor or agent of any company performing the investigation. 

XXXX  XXXX Delete this account because Date of Last Activity does not show the same on all three credit reports. 
Delete this account because Date Opened does not show the same on all three credit reports. 
Delete this account because High Credit does not show the same on all three credit reports. 
Delete this account because Last Reported does not show the same on all three credit reports. 
Delete this account because Date of Last Payment does not show the same on all three credit reports. 
Stop reporting this due to FCRA non-compliance of inaccurate data being furnished on the consumer report XXXX XXXX  XXXX Delete this account because Date of Last Activity does not show the same on all three credit reports. 
Delete this account because Date Opened does not show the same on all three credit reports. 
Delete this account because High Credit does not show the same on all three credit reports. 
Delete this account because Last Reported does not show the same on all three credit reports. 
Delete this account because Date of Last Payment does not show the same on all three credit reports. 
Stop reporting this due to FCRA non-compliance of inaccurate data being furnished on the consumer report
Consumer complaint received 2023-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FirstPoint Collection Resources (IL)

I have been a victim of identity theft. My old apartment at XXXX XXXX XXXX XXXX. I believe the current residence was getting old mail and using my identity to apply for credit card loans utilities and apartments. I have been constantly getting items in my name without my permission. I am not aware of any of these items on my report
Consumer complaint received 2020-06-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (FL)

Coinbase issued a 1099K to a person, when all the funds were withdrawn into an LLC where the person is not an owner. The LLC paid taxes on the earnings, but does not have the 1099K. I have contacted Coinbase repeatedly over the last 6 months and they have offered zero help or resolution. I have requested they cancel the 1099k issued to the person, and instead, generate one in the name of the LLC that received the funds and paid the taxes on them.
Consumer complaint received 2020-04-12
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo Bank auto loan seized all money in my bank account in 2016 after agreeing to accept payments, then still seized the car, claimed charge off and collections on my credit report. Now they are listing charge offs monthly and repossession two months in a row because I disputed their information. They are intentionally negatively impacting my credit report. This account should have been closed and settled in 2016 when they took the car, my bank account funds and payment, but they renew negative information on credit report monthly. I am an XXXX XXXX  senior citizen, and feel targeted, harassed and discriminated against by Wells Fargo Auto Loan co.
Consumer complaint received 2020-04-12
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: Byrider Franchising, LLC (TX)

On XX/XX/XXXX CNAC XXXX ran my credit without my permission. I had a vehicle with them and they would not honor their warranty after several request. I decided to get another vehicle and return their vehicle to them. So I picked up my new vehicle on XX/XX/XXXX and they picked the vehicle up on either XX/XX/XXXX or XX/XX/XXXX. Then XXXX XXXX ran my credit to see if I purchased another vehicle. I know that was her purpose as I am a former employee of the company and she would run a customers credit anytime they return their vehicle. When asked if it was legal she said no but these people don't know any better. I emailed and asked why and for her to fix it. She replied her goal is to help with my credit but did not say that she would fix it nor did she apologize. I don't know how they are helping with credit if she runs a persons credit when ever she feels like it.
Consumer complaint received 2020-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp (NJ)

XXXX has been reporting an account from lending club corp on my credit report as in collection on XX/XX/2017 which never happened as i always paid the account on time & upon my repeat disputes, XXXX has refused? failed to further investigate the dispute as perviously disputed. This information is completely inaccurate & is hurting my credit due to mistake made by XXXX & must be corrected immediately.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 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 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 2020-06-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My husband applied to Capital One for a refinance on his used car loan on XX/XX/20. The reference number for the application is XXXX. When they called to obtain income verification on XX/XX/20 he gave them authorization to speak to me, XXXX XXXX, his wife. When the asked about my husband 's income I told them he was retired and only receiving SS which would not be sufficient to qualify for the loan but that he could use my income and I would provide the supporting documents. The representative told me that unless I was on the application and note he would not be able to use my income to qualify for the loan. We live in a community property state giving my husband the power to manage or control our community property. My income is not separate income and therefore part of our community property, I explained that this is a violation of the spousal signature rule under Reg. B. The  representative escalated the call to a supervisor who supported the original representative 's statement that I would have to be on the application and loan. Although my husband 's car is currently in his name alone, I am prepared to execute the security instrument but I also don't think this is a requirement if the loan is in his name alone.
Consumer complaint received 2020-04-12
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SCA Collections, Inc. (SC)

On XX/XX/2020 I requested copies of my credit reports from the credit bureaus and after receiving the reports I noticed that a company named SCA Collections , Inc. hereinafter referred to as SCA had reported an adverse collection account to XXXX, XXXX, XXXX credit bureaus claiming that I owed SCA {$240.00} dollars. 

I was never notified by SCA beforehand, nor contacted in any way whatsoever, before this derogatory collection account was placed on my credit report.If, I am not mistaken this account should have been verified, and it was not, which is a clear violation of the FCRA and the FDCPA. As a result, on XX/XX/2020 I submitted a dispute letter to SCA via USPS Certified Mail whereas I disputed their assertion. In that letter I requested certain documents from SCA because I want to try to understand how I came to owe them what they have alleged I owe on my credit reports. I believe I was very specific with what documents I requested from SCA. 

However, I received a letter from SCA, which was not within the time frame alotted by law, and the document that they sent was a copy of a bill that was altered. On that bill it appears to me that SCA attempted to re-age this account by changing the statement date to XX/XX/2020 as though this account was an active account. This again demonstrates to me that this is another blatant violation of the FCRA and the FDCPA, respectively. I will submit copies of all the letters herein for your review and consideration.
Consumer complaint received 2023-01-06
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party 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 2023-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Hi I had a checking account with Bank of America ending ( XXXX ). That account was closed by the bank in ( XXXX XXXX ) due to fraudulent activity and we were assigned a new bank account ending XXXX. In XX/XX/XXXX, we discovered an online transaction in bill pay {$1000.00} was sent to a deceased person ( died in XXXX ) used to do handy work. The money was taken from a back up account because the closed account didnt of course had any fund. How a closed account is useable and its backup account still effective. The bank didnt do close the account correctly. The bank didnt protect me. I called the bank the fraud department over 20 times and I also took off from work twice and went in person to Bank of America and no solution. I was told that they are waiting for the ( deceased ) person who cashed the check to get the check back. The check was cashed by another bank. The check was sent to a po box . So they have 2 official places to get their investigation going and closing the gaps. This is very exhausting.
Consumer complaint received 2020-04-12
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. (NJ)

Experian has been reporting an account from XXXX XXXX XXXX on my credit report as in collection on XX/XX/2017which never happened as i always paid the account on time & upon my repeat disputes, experian has refused? failed to further investigate the dispute as perviously disputed. This information is completely inaccurate & is hurting my credit due to mistake made by experian & must be corrected immediately.
Consumer complaint received 2020-04-12
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Ad Astra Recovery Services Inc (OR)

On XX/XX/2020, I emailed the following to Ad Astra : " Good morning, Due to the recent economic downturn as well as being laid off yesterday, I am unable to pay my account in full. What options are available to me? 
Thank you, XXXX XXXX '' To date I have received no reply to my email.
Consumer complaint received 2020-04-12
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. (NC)

I have 2 accounts reporting on my credit report that dont belong to me. I have no knowledge of these accounts and would like them deleted from my report. I filed a identity theft report with the federal trade commission
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

COMPANY IS REPORTING INCORRECT INFORMATION, SO I DISPUTED THE INFORMATION, I SENT OPT OUT REQUEST AND A COPY OF THE CIVIL LIABILITIES ACT. SO THAT NEGATIVE WAS NOT AUTHORZED TO BE SHOWN ON REPORT
Consumer complaint received 2020-06-12
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. (AR)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with identity IQ to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. CHAPTERXXXXBANKRUPTCYDISCHARGEXXXX   CHAPTERXXXXBANKRUPTCYDISCHARGEXXXX XXXX {$5600.00} XXXX {$590.00}
Consumer complaint received 2020-04-09
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: Experian Information Solutions Inc. (FL)

I have exercised my right under the Fair Credit Reporting Act, Section 609, to request information regarding items that is listed on my consumer credit report : XXXX  XXXX XXXX disputed accounts # XXXX and # XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. In response to my previous request and complaint Experian responded on XX/XX/2020 stating that they have " verified '' the disputed XXXX  XXXX XXXX accounts. However, at this time my request is not about VERIFICATION, although these false accounts are obviously disputed - I am exercising my right to REQUEST INFOMATION REGARDING ITEMS on my credit report. 
Therefore, this is not a duplicate complaint or request.
Consumer complaint received 2020-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: HSBC NORTH AMERICA HOLDINGS INC. (WA)

Tried to use an HSBC credit card I had for a while and it would not go through. 

A week later I get a letter that says the account would be closed if I did not use the card 3 weeks ago. If I wanted to keep the card, I need to use it 2 weeks before I got the letter in the mail ... 

Then they sent me another letter ( enclosed ) that the first letter was a mistake and I could used the card NOW if I wished to keep the card. Again when I used the card it was declined. I called HSBC that weekend and of course they said once again the card was closed. 

My contention was both letters were mail fraud and a backwards paper trail of why they closed my account TO MAKE IT SEAM LIKE THEY DID NOT CLOSE IT ALREADY. 

They are just trying to close accounts ahead of the Corona-19 problem which I understand but by sending letters too late and playing games which I assume is against banking laws. Enclosed is the second letter acknowledging the first letter.
Consumer complaint received 2023-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). 

I have disputed this account on multiple occasions, as recently as XX/XX/2023. The information on the account is not mine. I have requested a copy of the contract with the wet signature and proof of my identification that should have been provided. I have not received this information or any response. The XXXX account XXXX does not belong to me.
Consumer complaint received 2020-06-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (NY)

Our office would like to accelerate this file to the investor of the loan. We do not believe that the investor is aware of a down payment offer made during the last modification request of {$100000.00} We understand, as per the denial, their contractual payment will increase should the modification be approved however, our clients are now generating the necessary income to sustain the higher payment. Mr. and Mrs. XXXX are doing very well with their finances and have offered a down payment of {$100000.00} in efforts to lower the amount that is owed to Midland Mortgage. Although they can sustain the current or a higher PITI payment, they do not have the ability to reinstate the loan. Thir current escrow shortage is on or about {$150000.00}. 

As per our records our clients unpaid balance with arrears is on or about {$810000.00}. Should our client be allowed to keep the current deferment of {$220000.00} with a down payment of {$100000.00} the interest bearing portion of the loan would be on or about {$480000.00} yielding an estimated monthly contractual payment of {$5200.00} ( PITI ) if allowed to have a 30 year maturity. Although this is higher that their previous payment, our client has the ability to sustain the higher payment. Our client has sustained a bankruptcy trustee payment of {$5700.00} per month proving that they can sustain a higher payment. 

If our client is provided with a waiver and allowed to receive a deferment for some or all the arrears, they will be able to resume their mortgage payments to Midland Mortgage. If possible, moving the maturity date to 30/40yrs at a lower interest rate, the payment will be affordable. This waiver would allow our client to resume making their payments and save their home. Our clients are devoted to saving their home and keeping it in their family indefinitely. 

Mr. and Mrs. XXXX became delinquent on her loan due to circumstances outside of their control. Although they were modified in the past, they suffered additional hardships forcing them to default again. Their hardship is now over. Unfortunately, they encountered a temporary loss of income and unforeseen extensive property damage due to hurricane Sandy and hurricane Irene forcing them to default on their loan. They depleted their savings trying to keep current however, they were not able to keep up. Our clients are now employed full time and can resume making their payments should a waiver be granted. 

Our client is committed to paying their debt to Midland Mortgage and the current investor of their loan. If they are given the opportunity to resume their payments, they will not default again. Thank you for your time and consideration in this matter. I can be reached at XXXX Monday through Friday XXXX XXXX  to XXXX XXXX Eastern Time or by email at XXXX XXXX
Consumer complaint received 2023-01-06
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. (NY)

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.