davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-22
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/XXXX I received my income tax and paid my mortgage through XX/XX/XXXX. When I went to my account I saw they had withdrew 6 payments and leaving my account in the negative as well as paying mortgage through XX/XX/XXXX I called ( 10+ ) and went to the branches 4 times to have the 2 extra payment refunded to my account as well as get the the account to reflect correctly. Instead they refunded all the payments accept for a payment in the amount of XXXX in which they still have. And then sent me a letter of intent to foreclose on the XX/XX/XXXX. The payments due are XXXX for the XX/XX/XXXX payment to make it a full XXXX. ( XXXX plus XXXX ) and then the payment went down XX/XX/XXXX and XX/XX/XXXX to XXXX. I have tried 4 times since all this has happened to pay the XX/XX/XXXX and they returned the {$27.00}. They are not accepting transfers and I can not pay in the branch. I have sent them a certified check on Thursday. And I have to wait to see what happens.
Consumer complaint received 2022-05-23
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. (CA)

On XX/XX/XXXX, I sent 3 letters, one to each credit bureau, specifying an account that was being reported incorrectly, violating my right as a consumer to have a fair report. 

In those letters I pointed out and clearly specified the errors found and the instructions that I want to be followed for each account and they were ignored, I did not get any response.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (UT)

When I recently pulled my three credit reports, nearly all of my credit history is completely missing. There are only 4-5 somewhat recent accounts and everything else in all three reports is absent going back to approximately XXXX, when I turned XXXX. 

The addresses associated with where I have lived also have problems dating back to approximately XXXX. The addresses are mostly correct, however, there are duplicate addresses which are listed as single family residences when the address is an apartment complex. 

Also, the name they have listed is not my given birth name. They have my name as " XXXX XXXX XXXX '' when my actual birth name is " XXXX XXXX XXXX XXXX '' All three credit reports are attached
Consumer complaint received 2018-07-16
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: NAVY FEDERAL CREDIT UNION (CA)

The State of California passed legislation that requires every bank who does business in the State to submit every customer 's social security number into an Automated Data Matching System, see sections 17450 - 17456 of the State of California Family Code. The XXXXXXXX XXXX and the Navy Federal Credit Union have submitted my social security numbers into the State of California 's Automatic Data Matching System without first notifying me to opt out, or to dispute, or to challenge these actions in Court. These actions by Navy Federal Credit Union and XXXXXXXX XXXX violate the Gramm-Leach-Bliley Act, Dodd-Frank Act and the Right to Financial Privacy Act. I am entitled by law to be notified first before my non-public information is submitted to any third party. Since late 2013 over {$3000.00} was frozen then taken out of my joint savings account with my son and joint checking account with my wife and in both instances, this was not my money they took. Please enforce the laws that we had Congress pass to protect us from the very activities these banks are doing.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2022-05-23
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: Consolidated Information Services Solutions, LLC (SC)

These hard inquiries was not authorized by me. I dont have no open account with them. Company names : ( XXXX XXXX ) ( XXXX XXXX ) ( XXXX XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX ). ( XXXX XXXX service : XXXX ). XXXX XXXX : XXXX XXXX.
Consumer complaint received 2022-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I entered into a predatory loan in XX/XX/2018. I walked into XXXX XXXX XXXX looking to purchase a vehicle. The salesman by the name of XXXX assured me he would assist me throughout the process. From the beginning of the process until the end my father and I was forced into an agreement without the proper information. The agreement was not explained in its entirety and everything the salesman told us was completely different from the contract. We expressed the concern to XXXX XXXX XXXX the very next day. They forced us out of the office and aggressively stated the right to rescind was not allowed. We had no knowledge of the federal law at the time. There were a multitude of malicious things that happened during our experience. My father was listed as the primary holder and me as the co-signer. We were never informed that during the process nor did we see that in the contract. The contract that was provided to us and the one received from Capital One was completely different. We were taking advantage of as consumers. Capital one are contracted with a company that is doing bad business. As a consumer entering into a uniformed agreement. Capital one had charged the account off without considering the violations that has taken place by the XXXX XXXX XXXX.
Consumer complaint received 2022-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$220000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-05-23
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. (TX)

I requested the permissible permission used to access my credit report in XX/XX/2017 from Experian and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Neither had permission, neither explained, and neither sent me the permission used and at a minimum have never explained their actions or their reasoning for all the duplicate answers over the last five years. Instead both companies play the games to avoid because the permission did and does not exist. Both companies are unlawful while managed by attorneys.
Consumer complaint received 2022-04-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (CO)

I never opened an account with Chime and I reported this to the company as being fraudulent. I asked them to close the account but do not have verification that they have. I am still receiving notifications from them that the terms and services of my account have changed. 

I do NOT want to use Chime ever.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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. 
DEP OF ED/ XXXX : # XXXX, DEP OF ED/ XXXX : # XXXX, DEP OF ED/ XXXX : # XXXX, DEP OF ED/ XXXX : # XXXX, DEP OF ED/ XXXX : # XXXX, DEP OF ED/ 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 2022-05-23
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: SECURITY FINANCE CORP (SC)

These hard inquiries was not authorized by me. I dont have no open account with them. Company names : ( XXXX XXXX ) ( XXXX XXXX ) ( XXXX XXXX ). ( Security finance : XX/XX/2021 ). ( XXXX XXXX : XXXX XXXX ). ( XXXX XXXXXXXX XXXX  : XXXX ). XXXX XXXX : XXXX XXXX.
Consumer complaint received 2024-03-09
Product: Credit reporting 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. (AZ)

I ask the credits bureau to send my credit report. I saw several hard inquiries in my report I have requested for them to delete them since I did give this company to run my credit without my permission. XXXX has my name wrong and the refused to change or provide me with my credit report. XXXX has my loans closing several time on my credit try to reach to them and tge refused to update remove the inaccuracies on report that has been affecting my credit. Since all them refused to follow the law. XXXX tell to do a fcra report. I want tgem to remove all the hard inquiries, negatives and close accounts on my credit reports. I will report them since all them refused to help.
Consumer complaint received 2022-11-23
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. (TX)

Company reported this account as late which violates my rights under FCRA. This account was never late in addition I am the actual creditor so for this company to report anything as late on a secured account that was funded by me is fraudulent in nature. 

15 US Code 1666b In accordance with FCRA, ( XXXX XXXX ) has violated my rights. 15 US Code 1681 section 602 A states I have the right to privacy.

15 US Code 1681 section 604 A Secrion 2 : also states a consumer reporting agency CAN NOT furnish an account without my written instructions. I have not given anyone authorization to report said accounts.

15 US Code 1666 B- a creditor May not treat a payment on a credit card account under any open end consumer credit plan as late for ANY purpose.

15 U.S. Code 1692C -communication in connection with debt collection I contacted company to request that they not only correct the erroneous late reporting. Company has refused to correct this which is affecting my credit rating and reputation as well as my debt to income ratios.
Consumer complaint received 2022-11-23
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. (TX)

Company reported this account as late which violates my rights under FCRA. This account was never late in addition I am the actual creditor so for this company to report anything as late on a secured account that was funded by me is fraudulent in nature.

15 US Code 1666b In accordance with FCRA, ( XXXX XXXX ) has violated my rights. 15 US Code 1681 section 602 A states I have the right to privacy.

15 US Code 1681 section 604 A Secrion 2 : also states a consumer reporting agency CAN NOT furnish an account without my written instructions. I have not given anyone authorization to report said accounts.

15 US Code 1666 B- a creditor May not treat a payment on a credit card account under any open end consumer credit plan as late for ANY purpose.

15 U.S. Code 1692C -communication in connection with debt collection I contacted company to request that they not only correct the erroneous late reporting. Company has refused to correct this which is affecting my credit rating and reputation as well as my debt to income ratios.
Consumer complaint received 2024-03-09
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. (GA)

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, 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. 

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a credit report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 

I did not initiate any of these inquires furthermore if you feel like I did, please send me copies of my written signature giving consent to this matter.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

Under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ). 

XXXX XXXX You supposed to add notice within 30 days not 1 day over as i have proof. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Consumer complaint received 2021-11-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NEW IMAGITAS, INC (ID)

XXXX is advertising Boat & RV Loans through a XXXX paid search campaign ( that says Ad ). When you click on it, nothing discloses that its actually an unsecured personal loan application. In fact, youre given every reason to believe youre applying for a secured boat & rv loan until you consent to a soft pull, at which point you see a list of pre approved personal loan options at outrageous rates. This is deceptive and it pushes consumers into a higher, unsecured, rate thats 2-3x the average secured RV rate. I never would have consented to a credit pull for a personal loan. If thats what theyre selling, then it should be advertised as a Boat & RV loan.
Consumer complaint received 2019-11-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2022-10-13
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. (GA)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent my 2nd letters off to TransUnion, XXXX, XXXX on Monday XXXX XX/XX/2022. Here is my tracking number XXXX # XXXX, Transunion # XXXX, XXXX # XXXX. I told the credit bureaus to " investigate every piece of informaton '' on the accounts I listed. 

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

Attached is the letters I sent out in " Good Faith ''. 
Also to remove all information that was not 100 % accurate. According to the fair credit reporting act 15 USC 1681. I have the right to privacy and everything has to be 100 % accurate. Also according to 15 USC 6802. NO financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-10-13
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. (MO)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX Balance : {$660.00} ; XXXX  XXXX XXXX Balance : {$420.00} ; XXXX  XXXX Balance : {$24000.00}
Consumer complaint received 2022-05-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Marlette Funding, LLC (NC)

On XX/XX/2022, I called Best Egg to inquire about payment assistance on an existing loan - as was advertised on their website. 

I was offered 0 % interest for 12 months if I enrolled in auto draft and made all my payments on time. This offer was only good once for the life of the loan. I agreed to this offer and continually asked if this was 0 %. I was told that it was. 

However, on the 1st payment date of XX/XX/XXXX, I realized I was blatantly and fraudulently lied to. I was being charged interest, even though I was told I would not be charged interest for this plan. When I called back on XX/XX/XXXX, I was told that the disclosure did in fact say 0 % and there was an error. Then I was falsely told about 20 minutes later I was charged only for partial month interest, even though it obviously showed I was charged full months interest. Then another half an hour later I was told that I had to pay interest for the first month but after that then I paid no interest. I told, shocked at the 5 different answers I was getting 5 different times, that I was never told about an enrollment payment ever. Best Egg legally can not invent terms of a payment plan as they wish after the fact and in contravention to what I agreed to.