davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-13
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. (PA)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.
Consumer complaint received 2023-01-13
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: EQUIFAX, INC. (PA)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (WV)

I submitted a security freeze and opt-out request to LexisNexis Consumer Center in early XXXX. They responded with a series of conflicting, ambiguous correspondence implying there are multiple files, then a few days later send a letter indicating they can not process my request, but fail to indicate which request. I sent a dispute letter on XX/XX/2021, and they failed to answer the dispute. These companies hold a lot of power and can and do affect the livelihood of consumers with the flip of a switch ; I expect their communication to be timely and unambiguous, and in my opinion, the law requires it.
Consumer complaint received 2021-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A. (OH)

XXXX Deposited a third party check ( {$12000.00} ) signed over to me from my husband via an ATM PNC bank where my bank account has existed for 30 years. 
XXXX The check was deposited and withdrawn ( no notification from the bank ). I discovered when I checked my balance. 
XX/XX/XXXX I called the PNC branch in XXXX, OH to understand why the deposit didnt go through. XXXX  ( the teller, said it was because the check was over the amount allowed to be deposited into the ATM. When I went into the branch later that day, the branch manager said it was because my husband isnt their client and they can not verify his signature. They were unable to return the check to me, but said I would receive a replacement legal check in the mail within 7-10 days. 
XX/XX/XXXX I called customer service for the status of the check. I was told the check was sent on XX/XX/XXXX. Then waited. 
XX/XX/XXXX I called customer service for the status of the check. The representative told me they can see that the check was lost. She said she could reissue the check but it would take an additional 7-10 days. So instead she encouraged me to go into the branch and told me to ask them to have Returns overnight the check. 
XX/XX/XXXX I left work early to get the branch before XXXX only to discover the banks new hours are XXXX. I got there at XXXX. I work from XXXX and will not be able to get there during their open hours until the weekend. So I called customer service. I spoke with XXXX who was helpful, but didnt have the structure in place to escalate my call to a manager. If the branch can request a check to be sent overnight, why cant customer service. We are living in a digital age. She had already sent me a multi factor identification code via text. But alas she did not have the ability to make the over night request. She also was unable to take the call when I asked for a manager. She wasnt able to get me to the Office of the President and when I let her know I would go public the best she could do was submit a complaint to have someone call me back at some point in the next day or so. 
XX/XX/XXXX I still havent heard anything from PNC bank. I still do not have the check I deposited on XXXX. And I have no idea when I will. I have lost all trust with PNC bank. And upon receipt I will be taking my business elsewhere after 30 years.
Consumer complaint received 2021-07-28
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. (TX)

On XX/XX/2021 I recognized that my credit was being used and there was unauthorized hard inquiries on my credit report from someone attempting to obtain credit in my name. I have filed a police report, and sent a formal letter to all three credit bureaus stating that I was victim of identity theft and fraud. I also placed a fraud alert on my credit. 

XXXX  was able to remove all of the inquiries, however, when I contacted XXXX  and XXXX  on XX/XX/2021 they refused to remove the unauthorized hard inquiries even though I mailed in a dispute letter with a police report attached. 

I am very furious because these fraudulent inquiries have hurt my credit and I am now not able to even apply for anything myself because the inquiries dropped by score 50 points.

There are 7 inquiries on XXXX  and 5 on XXXX  that I need removed immediately. The companies involved are XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and XXXX
Consumer complaint received 2021-07-28
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: CURO Intermediate Holdings (TX)

On XX/XX/2021 I recognized that my credit was being used and there was unauthorized hard inquiries on my credit report from someone attempting to obtain credit in my name. I have filed a police report, and sent a formal letter to all three credit bureaus stating that I was victim of identity theft and fraud. I also placed a fraud alert on my credit. 

XXXX was able to remove all of the inquiries, however, when I contacted XXXX and XXXX  on XX/XX/2021 they refused to remove the unauthorized hard inquiries even though I mailed in a dispute letter with a police report attached. 

I am very furious because these fraudulent inquiries have hurt my credit and I am now not able to even apply for anything myself because the inquiries dropped by score 50 points.

There are 7 inquiries on XXXX and 5 on XXXX that I need removed immediately. The companies involved are XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and XXXX
Consumer complaint received 2021-03-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Yamaha Motor Finance Corporation USA (CA)

I have my boat loan with Yamaha Motor Financial company. They have terrible costumer service for one. And two, I have my account set up with auto-pay. My bank does a 5 day check payment, and only withdraws the money once the payment has processed with the payee. Yamaha is claiming they did not receive my payment until 2 days after the due date, and now charging a late fee. My bank statement shows that my payment posted with Yamaha on the due date. I submitted my proof with Yamaha and they are still refusing to reverse the late fee charges! I HAVE PROOF of payment on time!!!! Yamaha is TERRIBLE!!!! 
*I also make larger payment amounts, not just the minimum payments. Oh, and double payments. So, tell me why they won't reverse their mistake on an account that is an upstanding one??
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

After reviewing my consumer report I have found that several companies have violated my rights as a federally protected consumer. Companies in violation : XXXX XXXX Acct # XXXXXXXX XXXX-Acct # XXXX XXXX XXXX XXXX XXXX- Acct # XXXX XXXX XXXX Acct # XXXX XXXXXXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXX Acct # - XXXX Acct XXXX XXXXXXXX XXXX XXXX XXXX Acct # XXXX Acct # XXXX In accordance with the fair credit reporting act, under 15 U.S.C 1681s-602 it states I have the right to privacy and these creditors have violated my rights. 15 U.S.C s-604 ( a ) s-2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666 ( b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Privacy Act of 1974 states that no agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.

Even after my information as a consumer was provided to a 3rd party without my authorization or consent, the reporting agencies have inaccurately reported information to my consumer report. This is a direct violation of 15 U.S.C 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate. I have attached additional documents that show these companies unlawfully provided my personal, nonpublic information to 3rd parties WITHOUT my consent, as well as discrepancies ( highlighted items ) in my consumer reports which are the following : Inconsistent Derogatory Remarks of alleged late payments
Consumer complaint received 2021-02-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capstone Credit & Collection, LLC. (OH)

Recieved letter from Capstone Credit & Collections, LLC XX/XX/XXXX stating a client of theirs, XXXX XXXX XXXX XXXX XXXX, has extended me a settlement offer on a debt placed in collection with their office. Immediately took action to review my credit reports in search of said collection, as i had no such contract with referenced creditor and letter was addressed to me with different last name. To my disbelief, this collection has been on my credit since XXXX in the amount of XXXX for a debt i had not incurred. In immediately trying to dispute the inaccuracy with all reporting credit bureaus, all had come back with a decision that it met all Fair Reporting Act requirements and was to remain on my credit. I then turned to research said creditor to obtain any documents or proof that collection exists. What I have found out is that XXXX XXXX XXXX XXXX XXXX doesn't exist. 
XXXX XXXX XXXX which consists of two adjacent communities that were previously known as XXXX XXXX and XXXX XXXX XXXX  sold to XXXX XXXX  XXXX XXXX in a deal that closed XXXX XXXX, XXXX. The seller was a partnership of Tampa-based XXXX XXXX XXXX XXXX and XXXX XXXX XXXX of XXXX XXXX, and that the current owners/management company, XXXX XXXX XXXX  XXXX, has no knowledge or records of my supposed debt and can not find my name anywhere in the system. Needless to say I am beyond angry at this point, and proceed to contact Capstone Credit & Collections, LLC to rectify the innacuracy they are reporting. XXXX XXXX proceeds to tell me that i am in collections for an eviction per the records of the county and that its perfectly legal to continue with trying collect on said debt, as well as reporting with the credit bureaus and hangs up on me. I HAVE GOTTEN NOWHERE FURTHER WITH RECTIFYING THE SITUATION OR DELETING INACCURACY ON MY CRESIT AS XXXX KNOWS I HAVE TRIED EVERYTHING AND ANYTHING POSSIBLE TO CLEAR THIS UP. Please advise me of the next possible step in trying to clear this issue as your agency is designated to handle such affairs. THANK YOU AND HAVE A WONDERFUL DAY.
Consumer complaint received 2021-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I recently discovered that the statue of limitation on debt in TX is 4 years. I filed a dispute with the credit bureaus twice and XXXX XXXX repeatedly failed to address the new law passed in XXXX. I filed an internal dispute via the bureaus customer service and requested they specifically code the dispute to address statue of limitation. XXXX XXXX response was to charge off the account XXXX times on all three bureaus. XXXX XXXX  wilfully and knowingly submitted Erroneous information to all XXXX bureaus in violation of the XXXX CFPB settlement prohibiting the bank from submitting Erroneous information to credit bureaus. 4 months ago XXXX XXXX XXXX  was sold to XXXX XXXX. As of last week state farm forwards all call to XXXX XXXX, XXXX XXXX reports " no record '' of my account. The entry on my Bureau Report is from XXXX XXXX and the XXXX charge offs were submitted by XXXX XXXX.
Consumer complaint received 2021-07-27
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. (FL)

I missed a payment, it was over looked on my part. I have attached a goodwill letter and my bankstatement showing funds were avaivale to make the payment just due traveling for work I over loooked it.
Consumer complaint received 2021-02-05
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 XXXX at XXXX and XXXX Pacific time XXXX I was on a two way conversation with XXXX XXXX executive officer mister XXXX ; to resolve my Consumer protection complaint/credit dispute regarding the incorrect information placed on my credit report. I asked mister XXXX where did the balance from because, Prior to moving the city government disbursed approximately four different payments to XXXX XXXX. 
Mister XXXX stated I have not paid the bill in approximately four years and that is why the balance is so high. I replied, that is untrue sir .... For the record, the incorrect balance reflecting is {$6000.00} The account number in question was XXXX and the service address was XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX. To make a long story short ... .. 

Mr. XXXX stated on a recorded conversation ( which I have saved in my email ) that if I can prove one payment he will RIGHT the WRONG and remove it from my credit report. I begun digging deep into my archived paperwork, and was blessed to find a payment the government made of approximately {$400.00} dollar.. 
And a running balance sheet which also showed many payments. XXXX  XXXX  have been doctoring and fraudulently creating running balance statements and bills which have never been sent to us customers. Moreover, mr. XXXX reneged, and went against his word.
Consumer complaint received 2024-03-25
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: EQUIFAX, INC. (FL)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2021-07-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

In XX/XX/XXXX I received a letter notifying me that I needed to show proof of hazard insurance ( please note this is the second time, Shellpoint did this to me in XXXX too ) ; so on XXXX I uploaded the doc to their site as well as emailing it to their general document email address ; received confirmation that it went through. XX/XX/XXXX received a second letter threatening to charge me unless I show proof of hazard insurance ; so I faxed the company and I called and spoke to a rep who told me that they have my paperwork it just had not been processed yet ( a month??!! ) ; so were good then and she confirmed with me over the phone we were good. Today ( XXXX ) I receive a third letter dated XX/XX/XXXX stating that they are charging me over {$1700.00} for hazard insurance!!! I am so angry with this company I do not want them to be my mortgage company they are absolutely horrible and have caused me so much stress having to deal with this ... .it is their job to contact my HOA to get this information I should not have to be doing their job!! All the other companies prior to them always took care of this
Consumer complaint received 2021-03-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc. (KS)

Hi, I had opened a dispute for remittance transfer made using the Service of Remity on XX/XX/2021 receipt/reference number XXXX for the amount of XXXX . The money was supposed to reach my bank account of XXXX XXXX XXXX Account XXXX but it didnt due to No credit status on my XXXX XXXX account. 

Upon contacting Remilty same the customer representative XXXX XXXX/XXXX/XXXX/XXXX  asks me to upload my XXXX XXXX bank statement which I did right away upon further investigation they gave me UTR Number XXXX provided by remilty partner bank in XXXX and asked me to check with XXXX. 

When I contacted XXXX XXXX they informed me that they had returned the money to the XXXX XXXX  on the same day itself and provided me UTR Number XXXX. 

I am providing this information to the Remitly Customer representative for more than a month but still and there is no response from them. I am calling every day about it and getting very rude and weird responses. I had more than 64 calls in the last 30 days and chat with customer representatives more than 27 times also. 

I am attaching my XXXX XXXX bank statement for the last 30 days and email confirmation from them about the refund to the XXXX  XXXX  along with UTR details. Also attaching the chats transcripts which I had with the Remitly customer representative. 

My money is still with Remitly and their partner Bank XXXX XXXX and they are really not willing to return my money back.
Consumer complaint received 2023-03-09
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. (TX)

In accordance with the Fair Credit Reporting Act, 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. My legal rights have been violated. Due to this violation this account must be removed from my credit report immediately. 


In accordance with the Fair Credit Reporting ActXXXX 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. My legal rights have been violated. 
Due to this violation this account must be removed from my credit report immediately.
Consumer complaint received 2021-07-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Transunion is violating my rights. I made them aware of fraudulent inquiries and they refuse to investigate/delete them. I have contacted the businesses who fraudulently accessed my credit report. I filed a FTC identity theft complain. These inquiries should be removed immediate