davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-10
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. (OH)

I purchased a home with my ( at the time ) husband using a VA loan through XXXX XXXX XXXX XXXX  in XXXX of XXXX in the state of XXXX. We were approved for the VA loan due to his XXXX XXXX status with the XXXX XXXX. I am not, nor have I ever been a member of the XXXX XXXX XXXX. We were divorced in XXXX of XXXX, and per our divorce decree, he was to be responsible for the house that we purchased and was to take over the mortgage payments. At the time of our divorce in XXXX, I left the state and moved to XXXX  ( I no longer occupied the house we purchased together since it was his per the divorce decree ). The house was foreclosed on in XXXX of XXXX ( unbeknownst to me ) as he apparently did not make the mortgage payments as was dictated in the divorce decree. As of XX/XX/XXXX, XXXX XXXX XXXX XXXX  is still reporting negatively on my credit report due to that mortgage being foreclosed on. I have sent them copies of the divorce decree multiple times, and even filed a dispute with them, however, they refused to remove the information from my credit report.
Consumer complaint received 2019-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One Bank USA NA, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX have reported late payments to the 3 credit reporting agencies. The companies are reporting this information to my 3 credit reporting agencies and the credit reporting  agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these claims.
Consumer complaint received 2019-07-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Notice for Proof of Claim Account : FIRST FED CREDIT CONTROL # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.

The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and MEDICAL-HOSP XXXX XXXX UNIVERSITY that gave you the right to collect this debt
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In 2021, I contacted CFPB because I assumed the credit cards I had opened were not being reported by the companies. I was wrong. 

They WERE reporting to XXXX, TransUnion, and XXXX, but XXXX refuses to report the credit correctly. 

I have 8 open revolving credit cards. I have 2 cards with XXXX XXXX XXXXXXXX, one with XXXX, two with XXXX  XXXX, one with XXXXXXXX XXXX, one with XXXXXXXX XXXX. 

I have a line of credit with XXXX, as well as XXXX XXXX XXXX, which is over two years old, and almost paid off. 

None of these open lines of credit are being reported on XXXX 's credit report. I have asked them over and over, and even spoken to a supervisor regarding this. 

The credit score is XXXX points LESS than XXXX 's. This I can not understand. 

TransUnion, the same. Why does XXXX report all of my credit lines correctly, and XXXX and Trans Union do not? I need help. 

I intend to fight to get this corrected because they are are deliberately hurting my ability to qualify to buy a home.
Consumer complaint received 2019-07-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: ALLY FINANCIAL INC. (CA)

I had a Car Loan with XXXX XXXX XXXX with a rate of 3.49 % Then I got an advertising letter from " XXXX  by Ally '' Company, they are broker company working with several creditors, offering me that I got pre-approval for a % 3.36. 

I got interested in the offer and claimed the new rate. On the Phone, the salesperson was so sure that I got the new rate with lower monthly payments. 

During our conversation, I evidently asked the salesperson that the new rate sounds so low, and asked how can it be. The sales person told me about different institutions having different financial situations and it is possible. I also asked about not to get hard credit check inquiries, and even if it is needed, I asked to have only with one. After clarifying those points, I decided to move forward. 

Hours later I got an SMS message from the company " From XXXX : Congratulations! The financial institution has approved your credit application Call XXXX for next steps '' Then I submitted all of my personal information ( SSN, Adress, ID numbers ..etc ) along with my car details ( Model, VIN..etc ) through their web portal as instructed at an approval email notice. 

Two days later, I got a phone from the salesperson, XXXX by Ally Company, and this time he told me that, Actually that credit has not been approved and there is one approved loan for % 4.50, and asked me if I would be interested in that offer!

I was shocked! 
Tried to understand, why did they first approve me and now try to sell a higher rate, but never get any clear answer to that, and they told me that every approval was actually pre-approval, it was not guaranteed. 

Worse than that, when I checked my Credit report with Credit Bureau, I saw that actually, TWO hard inquiries had been done for two different creditors by this broker npt ONE. 
I did never get an answer for why I got an approval message and had been inquired two hard credit checks.

I think they literally used that lower amount to get me in, run my hard inquire for two creditors, the actual approval was for the XXXX XXXX, and DECEIVED me as I got approval for the lower amount. 

I think this is a bait and switch scam. 

I want a complete settlement for this dispute Thank you
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

The Truth in Lending Act ( TILA ) is a consumer protection law enacted in 1968 in response to exceedingly predatory loan practices. Prior to the TILA, lenders would use a variety of terminology and forms of lending that manipulated uninformed borrowers. The TILA changed this by requiring a uniform system of disclosures and terminology to be used for lending like credit cards or mortgages.

Creditors were required to disclose details like the annual percentage rate and repayments details in a clear way to borrowers or else the borrower may be able to rescind the debt. TILA also limits the amount of late fees creditors can charge. Overall, TILA, since its signing has been updated to respond to changing lending practices to ensure borrowers clearly understand the terms and conditions they agree to.

Title 31 Sub-section 3130 of obligations and interest on the public. False and inaccurate credit reporting causing instability and hardship.
Consumer complaint received 2023-02-24
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. (NY)

o whom it may concern : My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance.I am ocially challenging you to review your data on le for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deciencies of reporting.The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data eld formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be veried, complete with sources! The 2020 XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been conrmed as facts.Please take care of any false accounts on my credit report. I am requesting that you x this issue as soon as possible because it will aect me nancially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, veried and compliant data documented in it!
Consumer complaint received 2019-12-10
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)

Experian and XXXX are reporting incorrectly a collection in the amount of {$1500.00} on XXXX XXXX XXXX account number XXXX***. ( Please see page attached from my credit report. ) This medical collection account was reported recently on my credit report and is fraudulent. I called the collection agency and this account is from a hospital in XXXX, Arizona. I have not lived anywhere near XXXX, Arizona for over ( 17 ) years. They said that the collection was for my daughter whose name is either XXXX or XXXX. ( The representative was very difficult to understand. ) My daughters name is not XXXX nor XXXX. The names are not even close to similar. My daughter does not live in Arizona and she has her own health insurance. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this line item however, I have not been successful.
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

PLEASE REMOVE RANDOM INQUIRIES REPORTING ON MY CREDIT REPORT WITHIN 4 DAYS XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX
Consumer complaint received 2019-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE (CO)

Barclays Aadvantage Card offers a list of BENEFITS on their website including Flight Cents which rounds up miles earned. But it is NOT a BENEFIT, it's a SALES of Miles program that charges the card holder. So Surprise -- - my statement showed a Fee. I turned off this program on their website but was charged again. The customer service people refuse to turn it off, saying it must be done on the website. 

They will not Turn this FEE off and will not reverse the charges and will not provide a contact phone number to speak with anyone else.
Consumer complaint received 2019-07-15
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. (FL)

See attached documents from XXXX XXXX XXXX XXXX credit card services, in reference to this fraudulent account that has been disputed several time with all 3 credit bureaus and also reported to Identity Theft. XXXX  has already deleted this account by XXXX Bank by their investigation and also sent me an updated credit report via mail. I am requesting for XXXX  and Esperian to remove this account from my credit file immediately. This account was opened unauthorized and is damaging my credit file. See attached documents from the creditor.
Consumer complaint received 2023-02-17
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. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy XXXXXXXX XXXX have two fraudulent accounts reporting to my consumer report. Im placing my police report for the 3 consumer reporting companies to block this account at once I wasted to much time trying to have this frozen that account removed from my consumer report. 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 2019-12-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (FL)

I am not sure where to turn. I received notification from XXXX XXXX about a new collection that is reporting on my file that I knew nothing about. It's a company called Ability Recovery Services. It shows it was for a medical provider XXXX XXXX XXXX XXXX XXXX and opened XX/XX/XXXX. I have not been to the hospital in years so I called them to find out what this is or if this was a mistake. They told me it was from a debt back in XX/XX/XXXX. I never received anything in writing about this from Ability Recovery or anyone else for that matter. I asked the customer service person what location it was and she didn't know. I asked what they would settle for and she said {$700.00} I know had I was made aware of this at the time I would have been able to get help from the provider on the cost. The women told me that I should have done it then when it was with the provider. Again I was never told or I would have. She was extremely rude and all I was trying to do was get information.
Consumer complaint received 2024-02-21
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: Experian Information Solutions Inc. (NY)

I am formally submitting a dispute regarding the fraudulent inquiries currently affecting my credit reports. As a consumer protected by the Fair Credit Reporting Act ( FCRA ), I assert my right to accurate and timely credit information, and I insist on the preservation of these rights. The ongoing presence of these fraudulent inquiries on my credit reports is unacceptable, and their immediate removal is imperative. I hereby request the swift removal of the following inquiries from my credit report without further delay : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. I must emphasize that under the FCRA, credit bureaus are obliged to investigate and respond to consumer disputes within 30 days. Accordingly, I demand written confirmation of the removal of the fraudulent inquiries from my credit file within four business days. Failure to address this matter promptly will compel me to pursue legal action against your organization.
Consumer complaint received 2023-02-24
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. (IL)

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 XXXXXXXX XXXX XXXXXXXX XXXXF 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 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 2019-12-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (IL)

I had 3 transactions overdraft me for XXXX dollar fees each and i am having extreme difficulty trying to understand why of the merchants reversed those charges then why the fees cant be reversed either and i have to wait until XXXX next year for any posdible bank fee refunds. I have had extreme issue with my updated chase app not showing what my actual and current available balance is as well as the chase.com website available balance having the same issues as the app
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 2022-10-03
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. (SC)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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