davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-12
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: V and H Portfolio (FL)

Im not liable with XXXX XXXX XXXX XXXX. i do not have contact with VANCE & HUFFMAN LLC. they did not provide me with the original contract as i requested.
Consumer complaint received 2021-12-17
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: Experian Information Solutions Inc. (NY)

I XXXX XXXX NEVER GAVE EXPERIAN, XXXX, XXXX ANY WRITTEN CONSENT TO REPORT THIS INACCURATE ACCOUNT ON MY CREDIT REPORT. NO WRITTEN CONSENT IS IDENTITY THEFT. THEY ARE IN VIOLATION OF 15 USC 1681B UNDER FDCRA.
Consumer complaint received 2021-12-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I XXXX XXXX NEVER GAVE XXXX, TRANSUNION, XXXX ANY WRITTEN CONSENT TO REPORT THIS INACCURATE ACCOUNT ON MY CREDIT REPORT. NO WRITTEN CONSENT IS IDENTITY THEFT. THEY ARE IN VIOLATION OF 15 USC 1681B UNDER FDCRA.
Consumer complaint received 2020-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

Hello, my name is XXXX XXXX and I am a victim of Identity Theft. The following fraudulent account was removed from my credit report and now it is re-reporting : Office of Attorney General Opened :  XX/XX/2005 Amt. XXXX Credit Bureaus if they re-insert a removed item from your credit report without notifying you in writing within 5 business days. 

Consumer protection afforded by the FCRA. 

FCRA Part ( A ) ( 5 ) ( B ) ( ii ) Fine:XXXX
Consumer complaint received 2023-02-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Professional Recovery Management (TN)

The young lady XXXX at fox collections, called a number that I know she went through a medical file to obtain. I advised her to have the orginating company to call me in regards to whatever the situation is. This number she called is not on any other file than one that is medical.
Consumer complaint received 2021-12-17
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: INTERCONTINENTAL CAPITAL GROUP (NY)

XXXX XX/XX/2020, both consumers entered into a private consumer credit transaction with INTERCONTINENTAL CAPITAL GROUP. The consumer did not enter a residential mortgage transaction with INTERCONTINENTAL CAPITAL GROUP because INTERCONTINENTAL CAPITAL GROUP did not lend any money to consumers to get said dwelling both consumers funded any alleged " loan " with their open-end credit. Per American Jurisprudence 2d 358 inasmuch as it is a general rule that a bank does not have the power to loan its credit to another by becoming guarantor or surety for the performance of the other 's obligation in a transaction in which the bank has no direct interest or from which it does not derive benefit banks etc are nothing but service agents, administrators, swap companies and etc banks can not claim to be creditors. INTERCONTINENTAL CAPITAL GROUP needs to provide material disclosures and GAAP to prove they lent consumers any credit in fact. I rescind my consumer application due to an unconscionable transaction, per XXXX CFR Part 1026 ( Regulation Z ) 15 ( a ) ( 2 ). Now INTERCONTINENTAL CAPITAL GROUP is in FTC and SEC Fraud. Pursuant to 12 CFR 1026.15 Right of rescission. ( a ) In a credit plan in which a security interest is or will be retained or acquired in a consumer 's principal dwelling, each consumer whose ownership interest is or will be subject to the security interest shall have the right to rescind there was a security interest stated in the contract, therefore, this transaction is rescindable... I am the depositor and true creditor for this account, therefore you never loaned anything Pursuant to 12 U.S.C 83 No national bank shall make any loan or discount on the security of the shares of its own capital stock which proves the alleged loan was paid for when I provided signature and social which makes any commercial paper security I also provided a promissory which paid for transaction 15 USC 1692h INTERCONTINENTAL CAPITAL GROUP has received payments on this alleged debt and affiant has the right to direct INTERCONTINENTAL CAPITAL GROUP to return all payments
Consumer complaint received 2021-12-17
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: EQUIFAX, INC. (FL)

I FILED DISPUTE AND I DIDNOT GET NO RESPOND. I FILED DISPUTE REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT. BEEN WELL OVER 30 DAYS AND HAVEN'T RECEIVED ANY INVESTIGATION RESULTS.
Consumer complaint received 2021-12-17
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: Westlake Services, LLC (GA)

Dealer XXXX XXXX XXXX ( XXXX, FL. ) ( * ) intentionally and fraudulently misrepresented buyer contract down-payment figures on a vehicle loan amount in order to desperately secure a loan from financier Westlake Financial Services XXXX XXXX, CA. ). 

The consumer/ buyer notified Westlake Financial of the fraud and a investigation by Westlake Services ( Dealer Compliance Dept . ) was launched. 

On or around XX/XX/2021 I had phone conversations with Westlake Rep. XXXX XXXX XXXX ) who confirmed that Westlake Financial Services had demanded ( dealer ) XXXX XXXX XXXX 'RE-PURCHASE ' the loan. 

Since that time Westlake Financial Services has refused my request for a copy of this demand letter and has reported the contents of the loan as accurate to all ( 3 ) credit reporting bureaus. 

( * ) Reported that I submitted ( {$7000.00} ) dollar down-payment when in fact I only submitted ( {$3500.00} I don't believe I should be held liable for intentional misrepresentation and fraud in a fradulent contract.
Consumer complaint received 2021-12-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

Police Report attached. 

Fraudulent accounts to be deleted are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX 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 caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MS)

WHILE I WAS AWAY XXXX  MY TIME IN THE XXXX XXXX XXXX SOMEONE STOLE MY IDENITY. I HAVE NEVER FILED XXXX BEFORE! I REALLY DON'T HAVE A REASON TO BECAUSE THE XXXX  PAYS ME WELL. XXXX WILL NOT REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT FILE. I AM TRYING TO REFINANCE MY {$300000.00} HOME BUT THE LENDER ID GIVING ME A HARD TIME BECAUSE OF THIS. PLEASE HELP ME GET THIS ISSUE RESOLVED.
Consumer complaint received 2020-02-27
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 (TX)

i have unauthorized inquiries on my credit report i have reached out regarding inquiry and i either get no response or unable to locate file but no one has taken the initiative to remove they unauthorized inquiring.
Consumer complaint received 2021-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/21 i was XXXX  by XXXX XXXX. I was in XXXX  until XX/XX/21 during that time my idinity was stolen my checking account balance was XXXX XXXX Purchases and withdraws were taken from my account. Utility bills were paid at different locations charges me to companies Ive never done business I report it to Bank of America at the branch office on XX/XX/21 the explained my checking account had been taken over. Every security feature had been changed such as telephone number email address postal address username and password I filed a claim on all the charges made from the time that I was in XXXX I faxed over court paper work. Showing that I was indeed in XXXX  I also faxed over everything that the banker asked for police report and written explanation as to what happened so on and so forth. My claim was denied. At no time had I given permission to to anyone or shared with anyone my information. It was impossible for me to know that this fraud had taken place and the moment I was XXXX  and bank was open I went into BOA branch office to report the issue
Consumer complaint received 2020-02-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AZ)

They are trying to foreclose on my house, I am scared for my life. Please get to the bottom of why they are trying to foreclose on me. I paid the XX/XX/2019 payment, I have proof it's attached. They have nothing but retards hired and are trying to punish me for their retards faults. That was never an issue, I did not even ask about that, did i? Are YOU XXXX????. I have received multiple letters from them claiming they will foreclose. Why?????? could care less about a payment that I did make, find out why they are trying to kick me out of my house? I'm being discriminated against for being a minority single male. Please find out why I am being foreclosed on, once again I repeat find out why I am being foreclosed upon illegally. I will seek legal action after I receive this next response, because I know it will once again be less than satisfactory. 


see the attachment it shows where I paid the payment in full the next month. I had to cancel the check on them because, i made a {$250.00} extra principle payment, loan care XXXX  put it towards interest instead of towards principle. So I cancelled the check and made another one that did not have extra principle since they made it obvious they will be XXXX XXXX  and put it towards interest even tho I wrote " additional principle '' on the check. Loan care is punishing me because they don't know how to handle an escrow account.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX is inaccurately furnishing information to Transunion and XXXX who are reporting onto my consumer report. This is causing me significant damages as I have repeatefly tried to get this information updated to reflect properly. 

Last Verified : XX/XX/XXXX -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX Account Rating : Paid -- Closed Last Payment : XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1692j - Furnishing certain deceptive forms U.S. Code ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.
Consumer complaint received 2020-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

Hello, my name is XXXX XXXX and I am a victim of Identity Theft. The following fraudulent account was removed from my credit report and now it is re-reporting : Office of Attorney General Opened :  XX/XX/2005 Amt. XXXX Credit Bureaus if they re-insert a removed item from your credit report without notifying you in writing within 5 business days.

Consumer protection afforded by the FCRA.

FCRA Part ( A ) ( 5 ) ( B ) ( ii ) Fine:XXXX
Consumer complaint received 2020-02-27
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)

PLEASE FIND THE ATTACHED DOCUMENT WITH THE DEROGATORY ACCOUNTS THAT HAS BEEN TARNISHING MY CREDIT AND MY SSN. THE ACCOUNTS ARE INACCURATELY PLACED ON MY CREDIT AND I WOULD LIKE FOR THEM TO BE REMOVED IMMEDIATELY. THIS SITUATION HAS ME DISTRESSED AND I CAN'T BELIEVE SUCH THING IS HAPPENING TO ME. I HAVE NEVER HAD NEGATIVE ITEM ON MY CREDIT AND BECAUSE OF THIS IT IS HARD TO ACQUIRE NEW CREDIT.
Consumer complaint received 2023-02-04
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: W&A Intermediate Co., LLC (IL)

Hello, I have been trying to get an inaccurate, misleading statement off of my credit report but am having problems finding correct information for the creditor, WAKEFIELD & ASSOCIATES. This was the second letter I sent them, the first was over 30 days ago, still with no response. Not only is XXXX reporting inaccurate and misleading information, but XXXX is also reporting inaccurate and misleading information about this creditors address compared to that which is found on the creditors XXXX XXXX XXXX profile. I have sent requests to WAKEFIELD & ASSOCIATES several weeks ago, but due to the credit bureaus reporting inaccurate and misleading information, I am unsure of the true address. This is complicating and is negatively affecting my life and the life of my family who need me. The attached documents are the receipts of the certified mail I sent in attempt to reach WAKEFIELD & ASSOCIATES. This was the second letter I sent them, the first was over 30 days ago, still with no response.
Consumer complaint received 2022-02-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NH)

USAA decided to start the closure process of my account on XX/XX/2022. This made it so that they would only accept deposits and restrict me from withdrawing any of the money. Unfortunately, my disability check from the VA ( I am 100 % XXXX veteran ) was already sent to the account and was pending deposit so I couldn't have it send to my other account. I called USAA and received many different answers about when the account could be closed and have the corporate check sent to me. I emailed the CEO XXXX XXXX and President of the USAA Federal Savings Bank asking if they could close the account immediately and send me the check expedited as I depend on the check to live for the month as I have no other source of income. The CEOs office called and said they couldn't close it for 60 days due to laws and regulations, however I could not find anywhere in their disclosures that state these laws and regulations. The letter they sent me said that it would be closed WITHIN 60 days, but the representative who called said they couldn't close it until 60 days. Another representative told me they would be able to close the account and expedite the check to me once the account is in positive balance. Which it is.
Consumer complaint received 2021-12-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my XXXXr told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2021-12-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (GA)

These collections on my credit is preventing me from becoming a first time home owner on top of that this company has threatened me multiple times After Ive explain to them that I do not know what this debt is. This company is really affecting my health as I am traveling back-and-forth to the hospital because of stress. Im getting deny left and right when applying with Banks to get a mortgage, My fianc is suffering from XXXX and the price of living is entirely too high to continue paying rent at the property I currently live in. Im a XXXX veteran trying to make a honest living here in the United States but this company Is placing collections and outstanding balances onto my credit which is preventing me from succeeding in life.I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report. I did not authorize nor know anything about these accounts listed. these are fraudalent accounts. i know my rights. This is stopping my life please remove them immediatley .You have 30 days. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 615 ( f )
Consumer complaint received 2024-04-03
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (OH)

Had my XXXX XXXX send a full payment check ( {$3500.00} ) based on the last statement I received ) to TJ Maxx/TJX Co to pay off and close my account on XXXX XXXX2023. 
-Got XXXX statement with same debt showing. Called, was told the check was not received. Called back, was told the check could take 15-30 days to process because it was for more than I normally paid. 
-Called back and was told I didn't owe {$3500.00}, so was issued check # XXXX in the amount of {$200.00}, but still my initial check was not recieved. 
XXXX23 received letter stating they could not find the check, so they were re-billing my account for {$3500.00}. 
XXXX23 was told that the holdup was because a check was sent, and that I could pay the new balance of {$2800.00} via credit/debit card. Which I did pay via my XXXX. 
XXXX23 was told they received the {$3500.00} payment on XX/XX/23. 
-I requested a refund of the {$3500.00}, because I had paid them what they told me I owed them -- {$2800.00}. Received check # XXXX dated XX/XX/23 refunding the check they had said they never recieved! 
XXXX23 TJX sent another statement re-charging me for {$3500.00}. 
-I called speaking with a manager for 35 minutes who said she found the error and that new documentation would follow. 
-My next statement had an amount due of {$720.00}. When I called the manager back She told me that each time I called to dispute, they put a {$360.00} 'credit ' on my account! Not only was I not informed that was being done in previous conversations, I never requested it! It was done only the 2 times I spoke with the credit manager! 
-When I asked why they would put a crdit on my account that I was trying to pay off, she said that was how they do business. I told her I had paid off 2 other Synchrony Bank-funded accounts, and had NO problems with them accepting my large payments or crediting my account! 
-Since that conversation, I continue to recieve statements with late charges and interest added each month. 
-Bottom line, because I am over XXXX, I feel cheated, penalized and taken advantage of -- told her so -- and told her I could NOT and would not pay them any more money as I am on fixed income and had borrowed money to make payments to XXXX other creditors with which I no problems. 
Please help me cause this is showing up as 'delinquint ' on my credit reports, and is causing my rating to be reduced. 
-I am starting with your company, but will contact the officers of TJX Co. and Synchrony Back to let them know how their customer are bing treated.
Consumer complaint received 2021-12-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

A month ago I received a debt collection letter requisition payment on a debt that I don't recall ever taking out. I contact them to get more information and they told me that someone made a purchase with my XXXX XXXX  account that I have not use for more than 2 Years. They offered to file a fraud claim but they have not provided any resolution.