davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting of misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2022-10-14
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: Experian Information Solutions Inc. (MI)

It is Very easy to see that these accounts are inaccurate. I am really disappointed that a Proper investigation was not done, and these inaccuracies are continually report after my request for an investigation. In Accordance with the Fair Credit Reporting Act, my request for a line by line investigation of the following accounts that could not have been done correctly. I am Really, Really upset because my credit report is still incorrect. These accounts Can not " Meet requirement of the Fair Credit Reporting Act '', as stated in your response to my complaint because I have accounts being reported as closed, when the accounts are continuously show as open month by month. The following accounts violated my federally protected consumer rights : XXXX XXXX  XXXX Account # XXXX, XXXX XXXX  XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account XXXX XXXX, XXXX  XXXX XXXX Account XXXX XXXX XXXX and XXXX XXXX  Account # XXXX XXXX In 15 U.S. Code 1681i - Procedure in case of disputed accuracy, ( a ) Reinvestigations of Disputed Information, ( 5 ) Treatment of Inaccurate or Unverifiable Information, and ( D ) the Automated reinvestigation system states that Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies. This was not done with any of my accounts. These accounts do not show that a proper investigation was completed, nor are the results accurate and fair credit reporting. My federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S.C. 1692d : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2019-08-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jana Ferrell & Associates LLC (OK)

I have been trying to work with this agency to resolve an outstanding debt with a physical therapy office. They have refused to verify the debt and never told me they required written request to verify debt until I hired an attorney to resolve the issue. I was never sent any notice by this agency at all - I called them after I saw a collection report on my credit. They told me I could fax in the request, but then refused to confirm whether or not they had received my request. They kept telling me unless they received a written request they refused to verify the debt for which they were ruining my credit. They also changed the amount I owed so now there are two collections on my credit, which is incorrect. Every time I try to talk to them they tell me I am being " combative '' and end the call.
Consumer complaint received 2022-04-21
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. (MO)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.
Consumer complaint received 2022-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I received a text message at XXXX XXXX on XX/XX/22 stating this, Congratulations, your Bank of America credit request was approved. Welcome package and card ( s ) will arrive within 14 days. Reply HELP for help or STOP to stop. I checked my XXXX credit and found that a card had been opened in my name that I didnt apply for. I called Bank of America and got the account closed.
Consumer complaint received 2016-04-06
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: FORD MOTOR CREDIT CO. (TX)

My father purchased a XXXX XXXX XXXX Pickup from XXXX XXXX XXXX in XXXX, TX on XXXX/XXXX/XXXX. My father was XXXX XXXX XXXX at the time he purchased the pickup. He traded in a XXXX XXXX XXXX pickup. Apparently, my late father did not attempt to negotiate with the dealer and paid full price. They gave him less than half of what XXXX XXXX XXXX says was the trade in for the XXXX XXXX pickup. Additionally, they sold him extras that were included in the financing. My father passed away on XXXX XXXX, XXXX so he had the truck less than one year before he died and he died owing Ford Motor Credit approximately {$32000.00}. My dad was making truck payments of {$690.00} per month which my sister and I do not intend to pay. Ford Motor Credit has not been at all cooperative. I took the truck to a local Ford dealer for an appraisal and they gave us an appraisal of {$25000.00} so there is a shortfall of approximately {$7500.00} between what the estimated value is and what he owed when he passed away. Ford Motor Credit insists that they want the full amount of {$32000.00} in spite of the appraisal of {$25000.00}. My fathers estate will take in the range of XXXX or three years to close. Ford Motor Credit called our probate attorney and said they would pick it up and take it to auction. Our concern is that they may sell it at auction for far less than the {$250000.00} then come back and expect us to pay the difference in three years when the estate closes. We offered to try to sell it for what it is worth and give them that amount with the expectation they would write off the rest. I feel this would be more than fair because I believe both XXXX XXXX XXXX and Ford Motor Credit may be guilty of something like elder abuse. They took advantage of an XXXX XXXX XXXX man whose health was failing. No, he would not have admitted that his health was failing and he was still handling his affairs. However, his mental capacity was diminished. Otherwise, he would not have paid full price for the truck and taken such a small trade in on his XXXX truck. I will also be writing letters of complaint to XXXX, my XXXX and the State of Texas. Ford Motor Credit has been pushy, unhelpful and uncooperative. They are treating us the same as they would someone who had taken out a loan and was n't making payments. In fact, even someone who no longer had the ability to make payments due life circumstances should be treated better. They should be working with us, not telling us what they want and what they will do whether we like it or not. Feel free to share this complaint with Ford Motor Credit and again, this complaint will not be my only effort to reconcile our grievances with XXXX.
Consumer complaint received 2022-11-22
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: Open Dealer Exchange, LLC (CA)

My information was used by an individual in XXXX Washington that tried to get a auto loan XX/XX/22. 

The dealership ran the credit app againts XXXX different institutions. 

I have locked all my credit bureaus.
Consumer complaint received 2022-04-21
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. (OK)

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

, 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 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 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 2024-04-04
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (FL)

I have expressed in written as well as verbal form that Wells Fargo is in violation of my consumer rights. 
A letter was emailed as well as mailed in to Wells Fargo expressing the violations of my consumer rights and that I did not give them any written nor verbal consent to share my information with anyone. 
However Wells Fargo is ignoring federal laws and regulations and still sharing my information that is causing me signicant financial loss. 
As of XX/XX/year> Wells Fargo NA is showing that I am 150 days late on my credit report.

In accordance to the fair credit reporting act Wells Fargo has violated my rights in accordance to 15 USC 1681 Section 602 states I the consumer have the right to privacy.

15 USC 1681 section 604 A section 2 Also states that a consumer agency can not reporting agency can not furnish a account without my written instructtions.

15 USC 1666b A creditor may not treat a payment on a credit crd account under an open end consumer credit plan as late for any purposes. 


I have made several complaints about this matter and yet nothing has been done
Consumer complaint received 2022-04-21
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: Experian Information Solutions Inc. (NY)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 4. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. Validate Account XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

6. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. Validate Account XXXX - XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-10-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX 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
Consumer complaint received 2022-04-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX ( XXXX ) working with HSBC Bank is assisting XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX in committing mortgage fraud. They are stating that the home is their primary residence but they have been leasing the home since 2018. I have reported them to other agencies as well. I tried contacting HSBC themselves but they stated that I need to contact the federal authorities.
Consumer complaint received 2022-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TRANSUNION LLC is using my private information regarding 501 ( c ) ( 1 ) TAX EXEMPT ENTITY in PROHIBITED TAX SHELTER TRANSACTIONS for purposes of EMBEZZLEMENT pursuant to AGGRAVATED IDENTITY THEFT in commerce without consent nor return of benefit without XXXX or XXXX forms ever being filed. 

TRANSUNION BOARD OF DIRECTORS given notice of damage FROM TRIBAL LEADER via XXXX CERTIFIED MAIL NUMBER XXXX XXXX XXXX XXXX XXXX and refused opportunity to cure. 

TRANSUNION BOARD OF DIRECTORS now being given NOTICE OF INTENT TO LIEN and INTENT to SUE.
Consumer complaint received 2022-04-21
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. (CA)

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

XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2021-08-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (NJ)

I have a numerous amount of inaccuracies on my credit report as a result of me being a identity theft victim. 
XXXX XXXX account opened XX/XX/XXXX for a total amount of {$890.00}. This account is derogatory on my report. XXXX XXXX XXXX  opened XX/XX/XXXX which is delinquent and a total of {$470.00}. Convergent Outsourcing which is derogatory in collection. Opened XX/XX/XXXX with a total of {$750.00}. There is also a numerous amount of inaccurate inquiries on my report due to identity theft for car loans and credit card companies. My XXXX  report also stated that my personal information was found on the dark web. Due to identity theft my credit score dropped over 100 points.
Consumer complaint received 2022-04-21
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. (NY)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 3. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. Validate Account XXXX XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. Validate Account XXXX - XXXX Account Number : XXXX Please remove it from my credit report. 

8. Validate Account XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-04-21
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. (AZ)

XXXX Account # XXXX is reporting as a delinquent account on my credit bureaus with over 10 outstanding late payments. However, The account is current and has never been past due where the account is paid off in full. I am trying to go for a mortgage loan and these wild inaccurate accusations of having over XXXX late payments is severely hurting my credit and unallowing me to get approved for any credit card, home loan, leaving me in a bind of a situation. I need XXXX, XXXX and Equifax to respond to my demands that I have sent them the past 6 months and get on timing as well as XXXX to update this account status to current when it is not delinquent and was never past due. This is extremely wrong and if they can not have this fixed as reporting proper across all XXXX bureaus I want this account removed from all XXXX credit reports as no one is answering my demands or acknowledging me down to the creditor which leaves me no choice but to pursue legal action at this point.
Consumer complaint received 2024-04-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (TX)

At the beginning of this year, Navy Federal Credit Union started using a third party service known as " XXXX XXXX XXXX' to do what appears to be A/B testing on their mobile dashboard. For business reasons, I have a network wide ad/tracker/unknown blocker to prevent as much spying from XXXX parties as possible. 

XXXX XXXX  is included in the sites that are being blocked. However, due to this block, I am unable to access features of the NFCU website including statement downloads, access card details for travel, or accessing the internal mail system. This has been going on for almost 5 months now on personal and business accounts and is impacting my XXXX  ability to perform their duties. 

NFCU has been notified of the issue as well as the potential third party data exfiltration of account details and have yet to do anything about it.
Consumer complaint received 2022-04-21
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. (TX)

In accordance with the Fair Credit Reporting Act, the following accounts has violated my rights : XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX 15 U.S. Code 1681 section 602 ( a ) states that I have the right to privacy 15 U.S. Code 1681 section 604 ( a ) section 2 also states a consumer reporting agency can not furnish your account without my instructions.