davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (FL)

I noticed a negative reporting accounts on my credit reports. XX/XX/year>, 30 days ago I sent a certified mail disputing the accounts. I have no heard back from any of the parties mentioned. 

I am writing to get compensation for this company XXXX XXXX and Lockhart , Morris & Mont for breaking the law and getting me denied when applying for credit due to their false reporting information. 

FDCPA XXXX. Validation of debts & FCRA Under 15 U.S. Code 1692k - Civil liability, FCRA 15 USC 1692g : Validation of debts 15 U.S. Code 1692e - False or misleading representations also XXXX, XXXX and XXXX for not responding to my disputes in 30 days. According to the FCRA they have 30 days to verify and provide accurate information on my report. Also to provide whom they spoke to and " verified '' this false collection / charge off on my credit reports also want to sue for damages caused when applying for credit during the last 30 days. 

Under 15 U.S.C. 1681 also have not validated 15 USC 1692g : Validation of debts I am owed in damages and need to have the negative items removed asap. 

Also XXXX XXXX and XXXX failed to mark
Consumer complaint received 2020-08-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: U.S. Auto Sales Inc. (NC)

In XXXX US Auto Sales decided to pay off the current car I had because it was going to cost to much to fix. They allowed me to get another car, they did not verify my employment and I had lost my job XX/XX/20. Nobody verified the employment at all. I got the car anyway and I managed to pay the payment with what I had in my savings account. Then when I found another job the pay was bi weekly and I tried to get them to change my payment dates and they would NOT change it. They have a GPS thing on the car so they can shut it off when they feel like it. They have shut it off 2 times I know of and I got my hands on some money so I went and got another car. I went and turned in the tags on Monday XX/XX/20 cancelled the insurance on the car. I then called US Auto @ XXXX and told them to come get the car, that I did not want it anymore. They read me the disclosure for the repo and I agreed. I got a phone call today from them today harassing me about the " past due '' amount. I missed a call from them yesterday as well. They clearly DO NOT check the account notes before they start calling and harassing people.
Consumer complaint received 2020-08-12
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. (OH)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-08-12
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Unauthorized inquiries on my Credit Report. I've tried to dispute to the credit bureau and I've tried going directly to the creditor but failure to respond. Failure to investigation and failure to provide details of the investigation under law and failure to removed unauthorized inquiries. At this point I am being denied on my acquisition of credit due to the fraud.
Consumer complaint received 2020-08-12
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. (UT)

My Complaint is with XXXX  the credit reporting agency and Transunion. XXXX  is only reporting my credit score as XXXX and XXXX is reporting as XXXX, this is due to the fact that they will not remove old issues and public records from my report. I filed a bankruptcy in XXXX of 2012 and the bankruptcy was XXXX in XX/XX/2012, 8 years ago. Every aspect of the bankruptcy has been met and my credit score with XXXX who is no longer reporting the bankruptcy is showing XXXX. I have disputed this fact with both XXXXn and Transunion multiple times over the last year and they keep denying stating it is reporting correctly and it is not. I feel as though this is a prejudice and I am being discriminated against on my credit reports. I am trying to get my score up to close on a home loan and I can not nor have I been able to for the last year due to this mis reported information. My FICO score is showing as XXXX as well however I am being punished for something that happened 8 years ago due to my husbands company going under during the economy collapse. It is seriously by law only allowed to be reported for 7 years after the discharge which is now 8 years ago. Please fix this asap so I can buy a home. I have paid off mostly everything else off in my credit report and this is just discrimination when this should have been removed over a year ago.
Consumer complaint received 2020-08-12
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: JPMORGAN CHASE & CO. (FL)

Unauthorized inquiries on my Credit Report. I've tried to dispute to the credit bureau and I've tried going directly to the creditor but failure to respond. Failure to investigation and failure to provide details of the investigation under law and failure to removed unauthorized inquiries. At this point I am being denied on my acquisition of credit due to the fraud.
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I had my credit ran today XX/XX/20 because I'm trying to refinance my house but I was unable to do so because there is an account from XXXX XXXX for an amount of {$1200.00} in negative standing appearing on my credit. This account does not belong to me and I never allowed anyone to open this account in my name. I do not have any written/verbal contract with this company nor did I benefit anything from this account such as money, goods, services or any other benefit and I never made payments towards this account. I am not affiliated to this company in any way and I have never authorized them to run/access my credit. I have already filed a police report regarding this suspicious account in hopes of getting it resolved.
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I had my credit ran today XX/XX/20 because I'm trying to refinance my house but I was unable to do so because there is an account from XXXX XXXX for an amount of {$1200.00} in negative standing appearing on my credit. This account does not belong to me and I never allowed anyone to open this account in my name. I do not have any written/verbal contract with this company nor did I benefit anything from this account such as money, goods, services or any other benefit and I never made payments towards this account. I am not affiliated to this company in any way and I have never authorized them to run/access my credit. I have already filed a police report regarding this suspicious account in hopes of getting it resolved.
Consumer complaint received 2020-08-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I found accounts in my credit report that I didn't originate or applied for, these account are fraudulent and need to be removed from my credit report immediately. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the account listed. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, statement are not quialify proof, you must remove the accounts listed below : CAPITAL ONE BANK Account Number : XXXX ; XXXX Account Number : XXXX also filed identity theft report with the FTC with the items in question. 
Please help me resolve this matter, Thank you. 


Remove this account from my credit, do not contact me by phone only contact me by mail or through CFPB portal.
Consumer complaint received 2020-06-18
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

ABUSE OF POWER. FORCED LIFETIME MEMBERSHIP. Where credit cards opened & payments made using members Undeletable Profile. USAA. PROVIDES NO DELETE POLICY. See attatched XXXX Credit Report USAA Account ( XXXX XXXX ) opened XX/XX/XXXX date closed XX/XX/XXXX IS ALL INCORRECT. See attatched XXXX Account ( XXXX XXXX ) DEBT DISCHARGED CANCELLATION DEBT XXXXWHY DID ACCOUNT NUMBERS CHANGE? ALL DATES INCORRECT? THESE ARE THE SAME ACCOUNTS WITH ( XXXX ) BEGINNING & ( XXXX )?? OR IS IT see attatched USAA MC statement XX/XX/XXXX with {$100.00}?? DELIQUENT. beginning ( XXXX ) See attatched USAA XX/XX/XXXX CREDIT CARD ( XXXX )?? ACCOUNTS KEEP CHANGING NUMBERS?? end XXXX DID NOT SETTLE UNTIL XX/XX/XXXX.?? Kindly Note XXXX  Credit Report has USAA Account ( XXXX )?? DELIQUENT ALSO.see attatched CREDIT CARD FRAUD CLAIM OF XX/XX/XXXX UNAUTHIRIZED TRANSACTIONS {$470.00} VISA ending XXXX. USAA OPENED A VISA XXXX I DID NOT AUTHORIZE. A MC XXXX I DID NOT AUTHORIZE. USAA USED MY PRIVATE PROFILE DATA TO OPEN THESE TWO ACCOUNTS & POST A PAYMENT XX/XX/XXXX I DID NOT AUTHORIZE USING MY PRIVATE PROFILE DATA. USAA REFUSES TO DELETE MY PROFILE CLAIMING I AM A LIFETIME MEMBER. HOW CAN THEY HOLD MY PRIVATE DATA AGAINST MY WILL TIL DEATH DO US PART? ( *ABUSE OF POWER. * )
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

I contacted Equifax today, XX/XX/2020 and they would not allow for me to receive a free credit report. The first representative I spoke to on the phone asked me personal questions ( name, DOB, address, SS, etc ) and security questions. The first security question was about a mortgage and I said YES! We just moved into a new house on XX/XX/XXXX and I was surprised this was already listed with Equifax. I shared with him I would need to dig up this mortgage info because we had filed it away. He then proceeded to a second question about loans and I answered I have a student loan. I then took out the actual monthly statement from XXXX and read off the exact figure {$41.00}, XXXX XXXX this was from XXXX, 2020. It was after I shared this info that this Representative claimed I have " failed '' the security test!!! And he claimed Equifax would NOT give me a free credit report!!! 
I then proceeded to contact XXXX  and I contacted XXXX. Each of these credit reporting agencies gave me free credit reports in LESS THAN TWO MINUTES and neither of them asked me any SECURITY QUESTIONS! So what type of scam is Equifax running? And why are they not shut down for illegally denying free credit reports to US citizens? Thank you.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

This is a follow up to the initial complaint ( XXXX ) whereas NMAC responded XX/XX/XXXX24 insisting they couldn't find my file due to not having my SSN. They also deny responsibility for fraudulently accessing my credit report and sharing it with several unauthorized companies ( included in this complaint : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ) even though the loan application was submitted via THIER WEBSITE ( NMAC ) not XXXX XXXX Nissan which XXXX XXXX assured me they did what was needed so that when I submitted the loan app through Nissan 's site that it would only be pulled for NMAC financing. You can even read the correspondence that I provided copies of that the loan application was submitted Nissan 's website and it should be the responsibility of Nissan and it's subsidiaries to protect consumer info and manage their platforms and the manner in which they access consumer protected data accordingly, that's not my job or ability as a consumer and NISSAN needs to contact it's representative to address this issue NOT ME. XX/XX/XXXX2023 I was in the process of searching for a vehicle and came across Nissan in XXXX, NC ( XXXX XXXX Nissan ). During the process I emailed their team specifically requesting to ONLY have the pre-qualification and loan process be pulled for Nissan financing prior to applying for a loan and they agreed to this PRIOR to my submitting the application. Their representatives responded confirming that this was possible and that my loan would ONLY be pulled for Nissan financing. I look at my report and they alternatively submitted my information to multiple companies resulting in multiple inquires on my report and negatively impacting my credit score. They proceeded to be extremely unprofessional and unapologetic about their unethical practices and I received several junk letters from various institutions that I never applied to. They also consistently gave me incorrect pricing information from their advertisements, tried to hide and manipulate the sales and incentives and would refuse to apply certain incentives that I qualified for. Their team was psychologically and emotionally abusive. See attached screenshots. I demand that they remove all Nissan and Nissan partner inquires from all XXXX credit reports and any subsidiaries and that they delete my name and contact information from their systems immediately. Nissan is also one of the many companies that later sent a loan decision letter and other correspondence to my address further proving that the application was submitted via their platform. There is no way to submit my SSN via this complaint process, only a loan or account number that I do not have.
Consumer complaint received 2024-04-10
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: TD BANK US HOLDING COMPANY (MS)

i have expressed to target over and over that this account was run up by an ex. I made several attempts to get this individual to pay the debt but they refused. The card was used without my knowledge and by the time I found out it was too late. Like I said before if I was personally responsible for the charges I would have made arrangements to negotiate and pay it off. All I ask is that Target please understand that I was a victim of identity theft and at that young age, had no idea what to do. Now that Im older and understand clearly what happened I would like to fix this because it has been extremely harmful to my life and way of living. I have also noticed that its not just me having issues with Targets way of doing business. I need this account removed completely from my credit report. The original documents havent been verified or sent to me by law.
Consumer complaint received 2024-04-10
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I am not liable for this debt with credit acceptance corpor I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, I presume that no such proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2022-10-31
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: MoneyLion Inc. (MS)

I am using Moneylion prepaid card to receive my work payments and the card is not trusted everywhere so I have to transfer money to other cards to make purchases. Moneylion froze my account claiming it is because of fraud. I turned in all documents needed and still am unable to access my money after two weeks of being told it would be unlocked after 48 hours. The people I have talked to have been rude and giving me the run around. Which leaves me to believe they are playing games and never really escalating anything.
Consumer complaint received 2023-06-27
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. (AL)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, US department of education account # XXXX, US department of education account # XXXX, and XXXX XXXX XXXX account # 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
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (NM)

This account is over 7 yrs old. This account is not listed on XXXX or XXXX. I didn't approve for Exeter Finance to sell my loan. Due to these violations, I will seek legal compensation in the amount of {$3000.00} per each violation. Remove this account XXXX Immediately and instruct XXXX XXXX to do the same
Consumer complaint received 2022-10-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (CA)

On XX/XX/2022 I went to my bank CiTI bank to make a international money transfer to XXXX XXXX for the amount of {$6000.00} XXXX I got charged {$45.00} XXXX for the transaction, the bank told me like is Friday it will be taking around 3-4 business day to get the complete transfer to my bank on XXXX XXXX XXXX On XX/XX/2022 I called to see if the transfer was complete and the bank told me that was missing some information from my recipient on XXXX XXXX, it was, what type of account was, passport number and phone number of my recipient, so I went to the bank to provide the information missing, the banker called the transactions department told him, that nothing was missing that we just need to wait a few more days to get the transaction complete, the next day I notice on my Citi bank account some transfer been made to my checking account for the amount of {$5700.00} dls and went back to bank to ask what was that money coming from they said that my transaction was canceled and the return the money to my account less money of what I sent that was {$6000.00}, and because when the canceled the transaction without letting me know the exchange dollar was less, I very mad with action been made.
Consumer complaint received 2022-10-31
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: Experian Information Solutions Inc. (NC)

I was informed by agents of three separate accounts that a third-party company that I had no idea or contract with had attempted to make payments on my behalf. All those payments were returned by the bank because they were not authorized by me. These banks then close/shut my account with no explanation whatsoever. 


I am a senior with fixed income and used these credit cards till they were closed. The closure of the accounts has really stressed me and put a strain on my finances. I did not authorize anyone nor any company to make payments on my behalf. The creditor refuses to re-open the account leaving me with very few options to live by.
Consumer complaint received 2020-08-12
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: Experian Information Solutions Inc. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report. US DEPT ED XXXX {$1800.00} DEPTEDXXXX  XXXX {$2100.00} XXXX XXXX {$1800.00} DEPTEDXXXX   XXXX {$2900.00} DEPTEDXXXX XXXX {$2000.00}