davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-18
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: General Motors Financial Company, Inc. (NY)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, AMERICREDIT add a hard inquiry on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-12-02
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. (NY)

On my Credit report is showed that there was a hard inquiry made on XXXX, XXXX XXXX  by XXXX XXXX. I proceeded to call equifax to get this hard inquiry removed. They then prompted me to call XXXX  XXXX, I spoke to them on the phone and they have no recollection of any of my data on file. I called back a couple of times confirming things and I was told the same thing.
Consumer complaint received 2020-07-29
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. (KS)

Twice in the last month, I've applied for things ( apartment as well as auto loan ) and my approval has been subject to conditional approval of district managers. While I don't have true detail, I was finally able to get one of the parties to tell me that it was due to a report of fraudulent activity from XXXX 2019. 

I have no idea what they're talking about and was unable to find anything within my XXXX, XXXX, and Equifax credit reports. This feels like a wild goose chase but I'm extremely nervous due to the fact I plan to begin applying for mortgages within the next month or two. 

What can I do?
Consumer complaint received 2017-01-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Fifth-Third bank had sent me a letter ( attached ) demanding that l sent to them the sum of {$1800.00} to update my loan file and bring it current by XX/XX/2017. l complied with the request, sending in {$1900.00} not minding that the company has no basis for their demand because l have series of payments in the amounts of {$430.00} ( usual mortgage payment for {$420.00} PI and additional {$9.00} for principal reduction ) and {$500.00} ( escrow ) sitting unapplied on my accounts. WhatThis check was returned to me with letter ( attached ) saying that it was not enough to off my loan. had happened was l was late on my taxes and the bank paid it but when l started getting more than double the amount of my mortgage because of this escrow gauge, l had called and spoke to one of the reps who told me if l wanted to pay off the escrow, all l needed was to bring in about {$3400.00} once. Also when l got this letter l had called the number given to me on the letter over and over and could not get connected. l made frantic efforts to reach the customer service number XXXX, up to 4-5 times, none of the people l talked to could help me either. Sometimes, the machine will attempt to connect me to the right department but it did always end up cutting off ( dropping ). Frustrated, l took my case to the branch where XXXX ( XXXX ) told me the escrow balance was {$2400.00} and I gave him the check right there to pay it and advice the right department to apply it to liquidate my escrow. This is in addition
Consumer complaint received 2016-01-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

We have requested that HSBC ( Household Finance ) correct their own accounting error in which they did n't properly credit our account for 2 monthly mortgage payments of {$1700.00} each or a total of {$3400.00} in XXXX. They sent their own accounting records to us which proved their error and we sent a copy of the records back to them with a letter outlining the error in XXXX XXXX. We have written to them multiple times and they have not taken action to rectify this error. We are now asking them to pay this amount to the company they sold our mortgage to ( XXXX ) toward the principal on our home loan. We are also asking that they pay a penalty to us equal to 6 months of payments ( {$10000.00} ) for failure to respond in a reasonable time frame.
Consumer complaint received 2019-08-21
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (TX)

Received a notice in the mail on XX/XX/2019 from Jefferson Capital Systems, LLC for a debt of XXXX. I called XXXX and spoke with a representative who explained this debt was from 5 years ago for a payday loan. I explained to the representative that I would be willing to settle the account with them for XXXX The representative needed to request approval from her supervisor and placed me on hold. When she came back on the line she advised me that they would be willing to settle and close the account for XXXX. I agreed and she took my payment over the phone providing me with confirmation number XXXX. She advised they would be sending me a letter confirming the debt had been paid and I would receive it in the mail. I checked my credit report and noticed the debt had been removed from my history.Unexpectedly onXX/XX/2019 I received a letter from XXXX XXXX XXXX XXXX  requesting XXXX for the balance owed to Jefferson Capital Systems, LLC. Infuriated that Jefferson would say they were settling with me only to sell the remainder of the balance to another debt collector I contacted XXXX XXXX XXXX XXXX  and spoke with XXXX. I explained to her the situation and asked her if they could review my call with Jefferson to see that I was told the debt would be settled. She placed me on hold and stated her manager was going to work with Jefferson and I would receive a call back. The XXXX is now showing up on my credit report and decreased my credit score! I didnt hear anything back from this company, so todayXX/XX/2019 I called XXXX XXXX XXXX XXXX  again at XXXX requesting an update and the representatives are telling me they cannot locate an account for me. This debt of XXXX has significantly decreased my credit score and I want it removed! Please help me! I feel helpless.
Consumer complaint received 2020-02-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (NC)

On XX/XX/2019 I called XXXX XXXX XXXX ( formerly XXXX XXXX XXXX XXXX ) to inquire over {$15000.00} of missing funds and what " JV '' meant on my statements. They asked if anyone else was on my account, I replied no it is an individual account. They shared " JV '' means " joint venture '' and if a criminal has your account number and makes a deposit they now have access to your funds. Funds were all transferred to XXXX account or Peoples United Bank dormant account of which I never authorized or have done in my 59 years. No one has returned my calls from the fraud department. 

This information is the smoking gun of numerous previous complaints how funds were diverted from my individual XXXX XXXX  XXXX Credit Card account from XXXX XXXX XXXX to Peoples United Bank. Accessing the XXXX account allowed the criminal to move automatic payments to XXXX  ( XXXX ) XXXX XXXX from XXXX to dormant Peoples account by opening a fake XXXX XXXX web payment page. 

The criminal HOPE credit unions do NOT communicate with Federal Banks such as Peoples. They FOUND the gap of accountability. ALL are accountable to protect consumers. Cyber criminals are smarter than us.
Consumer complaint received 2020-02-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

After getting a recent report of my credit report, there is a collection I am unaware of. I became aware of this because I am trying to apply for a home loan. The original creditor is Capital One, but now has been sold to XXXX XXXX XXXX, XXXX. 
They are claiming that I owe Capital One {$140.00}. I never applied for a card in 2015, I never received a card In 2015. 
When I asked for proof of this, or any documentation showing my authorization of such card, they provided me with a letter. This letter just says the day they sold the account to this third party, with my name issued on it. They are claiming this is the proof to validate this account. 
This does not prove anything, and does not give me correct documentation, proving I am the owner of this account. 
When I initially disputed this as fraudulent, Capital One opened an investigation, and recently as of the XX/XX/XXXX, has closed the investigation because they prove this account is factual- because of these 2 pieces of info : your address matches, and your phone number matches. Regardless if they have a phone number and address, anyone can have this information, and open a card. That is not proof to me of the validity of this account. And capital one is saying that is all they need to prove that its mine. They are also saying there is nothing I can do, because they closed the investigation, and it is final. What am I supposed to do now, knowing that an account is not mine, and they keep coming back saying it is, and there is nothing I can do about it?
Consumer complaint received 2020-02-22
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Account Resolution Corporation (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
Consumer complaint received 2018-11-12
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: Waypoint Resource Group, LLC (CA)

XXXX has been non-compliant with removing the unverified account WAYRESGRP which has been deleted by XXXX  and XXXX. XXXX and XXXX  have both completed their research and determined that WAYRESGRP was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2023-03-24
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX account closed. 
XXXX XXXX -account closed _assigned to attorney 15U.S.C. 1681 section 602 A. & section 604 s.2 15U.S.C. 1681c. ( a ) ( s ) 15U.S.C.1681 section 2 ( 2 ) ( 1 ) These are in violation of my privacy
Consumer complaint received 2023-03-24
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 — Was not notified of investigation status or results
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

It was stated my report has been updated, I received no proof such as a credit report which the company usually sends to me if something has been fixed, changed or updated. I also did request a copy of my report showing proof my credit profile and report was indeed updated. its been over a month and I have still yet to receive anything
Consumer complaint received 2022-10-14
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. (NM)

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 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 2019-05-03
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: Santander Consumer USA Holdings Inc. (GA)

Santander Consumer USA obtained a copy of my credit report  on two occasions without my permission on XX/XX/2018 and XX/XX/2018. I did not authorize these inquiries.
Consumer complaint received 2020-02-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SD)

My wife and I are retired and live full time in an RV. We use a PMB address with XXXX 's XXXX in XXXX XXXX SD for my legal residence and all matters except banking. Because of the Patriot Act I use a next of kin address for the permanent address, all of which I've explained many many times. I've described this to every representative that would listen. Several people told me that it was not a problem. 

Anyway, on about XX/XX/XXXX I enrolled in the USAA Credit Union. I immediately created a savings account and transferred {$10000.00} from a savings account with XXXX XXXX. Everything was created via a telephone call because the online software was too buggy to work. Every representative I spoke with was told that I live full time in an RV and that I have no permanent physical domicile. I advised every representative that I would be using a next of kin address for my permanent address as per the Patriot Act. I stressed this vigorously with every representative I spoke. I've researched this and have found that if a customer has no permanent physical address, that next of kin satisfies legal requirements. Today I spoke with a banker with XXXX XXXX and she acknowledged that she also understood this to be true. 

I also contacted the USAA investments ( XXXX XXXX ) and arranged for XXXX XXXX to be transferred into an Ira , and XXXX of that was to be spent purchasing a fixed lifetime joint annuity. I then initiated a rollover from a 401k managed by " The Standard '' On XX/XX/XXXX I found that I was locked out of my online account ( this also happened the day before, but corrected with a phone call ). The representative told me that USAA was accusing me of fraud and that they were closing all accounts. I spoke with many representatives spending approx 2 hours talking to people trying to discover what the hell was going one.  Everyone I spoke to told me 1 ) I was suspected of fraud 2 ) They couldn't tell me anything about the fraud, evidence, or any details 3 ) They couldn't tell me why I was suspected of fraud 4 ) They couldn't tell me when, how or if my XXXX dollars would be returned except one lady said that she thought my money would be sent via a check. 

Today ( XX/XX/XXXX ) I spoke with a representative that told me that she could not tell me if my money would be returned. She could not tell me that my money would not be returned. She could not tell me why my money was being withheld. Basically, she couldn't tell me ANYTHING except that I was suspected of fraud. 

I've committed no fraud. I live an unusual life circumstance but I've tried very hard to explain this to every one that would listen. USAA clerks are all very mechanical and they engage the brains very little. 

the bottom line, I want my {$10000.00} immediately. I want the money to be placed into an account from which I can recover it immediately. Hell, wouldn't you? 

This has been a nightmare to a degree that I've never experienced.
Consumer complaint received 2023-03-24
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. (DE)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2022-10-14
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. (NM)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI TOTAL V 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 2019-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (CA)

I was never 30days late on this account SYNCB/MC I have made a payment on time I don't know why they report this. Account # XXXX below is the Creditors info. 

Contact Information XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Consumer complaint received 2024-02-12
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. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2022-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo is attempting to collect on a debt, that's charged off. This account was discharged and the alleged debt has been used as a tax write-off. This will be an act of tax fraud, to collect on a debt that is registered as income. The harassment to collect on this debt would be a violation of the FCRA 15 USC 1681eb, failing to report information that is accurate.