davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-04
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio (LA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Your Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act.

Collection agency has not provided validation information under 12CFR 1006.34 ( b ) ( 5 ) but yet they placed a collections on my credit report.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A )
Consumer complaint received 2022-08-18
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. (AR)

I am a natural person. I am a living, human being, I have rights under 15 USC 1681. 
Equifax is governed by 15 USC 1681. They violated my rights numerous times. I demand the accounts listed below be removed, because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

1. XXXX XXXX XXXXXXXX XXXX XXXX  ) for XXXX XXXX. I have been fighting this debt forever, as it is not even mine. 

2. XXXX XXXX XXXXXXXX ( for XXXX ) also in dispute. 

I was a victim of Equifax Data Breach in 2017 and believe accounts were opened in my name. These need to be removed immediately.
Consumer complaint received 2020-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

I noticed a new recent Total Checking Account and Credit Cards Account open under my information without my knowledge or consent. I did not acknowledge any of these accounts. Please verify authenticity of the account holder. I did NOT consent or acknowledge of these unknown account open under my information.
Consumer complaint received 2022-08-18
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: TRUIST FINANCIAL CORPORATION (TX)

I reviewed my consumer credit report and I noticed an unauthorized inquiries. I reached out to XXXX via phone to get these fraudulent inquires removed and they were no help advised me that I needed to get a letter and basically permission from the " data furnisher '' before they would remove any inquiry, but they are being reported without my permission or consent. The following are inquires that are reporting fraudulently to my XXXX credit report XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 I did not give my consent for these inquires to be done and demand they be deleted as soon as possible since I have no been able to receive any help directly from the credit reporting ageny.
Consumer complaint received 2022-08-18
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: EQUIFAX, INC. (MO)

I value your help to REMOVED a portion of the data in my credit file that came about because of aFRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 youare expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively rememberedthis report for a past letter and I am including it once more. I've educated my lawyer regarding my aimsand they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX XXXXXXXX XXXX Balance : {$660.00}
Consumer complaint received 2022-08-18
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: ALLY FINANCIAL INC. (TX)

I reviewed my consumer credit report and I noticed an unauthorized inquiries. I reached out to XXXX via phone to get these fraudulent inquires removed and they were no help advised me that I needed to get a letter and basically permission from the " data furnisher '' before they would remove any inquiry, but they are being reported without my permission or consent. The following are inquires that are reporting fraudulently to my XXXX credit report ALLYFINANC XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 I did not give my consent for these inquires to be done and demand they be deleted as soon as possible since I have no been able to receive any help directly from the credit reporting ageny.
Consumer complaint received 2024-04-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC (MA)

The finance company Acima who I had a 90 days same as cash agreement with, the sales person said it will begin after I received the furniture. The cost was {$1800.00} I have paid over XXXX and they are saying I owe XXXX if I want to pay it off today, more than original cost, seems like 100 % fees and no credit for what I have paid so far. I was intending to pay off {$800.00} balance last month. This is predatory lending!
Consumer complaint received 2022-08-18
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. (MD)

In accordance with the Fair Credit Act. XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 604A. 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 proper written instructions.

15 U.S.C 1668b. Also states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2019-01-26
Product: Credit card or prepaid card — Gift card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Blackhawk Network Holdings Inc. (CA)

XXXX  has failed to pay out the XXXX gift card owed and has essentially STOLEN. On XXXX XXXX I traded my XXXX ( {$65.00} ) and XXXX  ( {$49.00} ) gift cards in trade for an XXXX gift card. They gave a 2-3 day max and did not receive payment. They have sent an automatic reply twice. How do we allow companies like this to stay in business? Hundreds of others are being scammed too per reviews.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS (GA)

LEXUS Nexus is report inaccurate information regarding wrecks and tickets on file that are not nor did I have wrecks or tickets. The inaccurate information causes incorrect insurance quotes on my CLUE report
Consumer complaint received 2022-08-18
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: NAVY FEDERAL CREDIT UNION (TX)

I reviewed my consumer credit report and I noticed an unauthorized inquiries. I reached out to XXXX via phone to get these fraudulent inquires removed and they were no help advised me that I needed to get a letter and basically permission from the " data furnisher '' before they would remove any inquiry, but they are being reported without my permission or consent. The following are inquires that are reporting fraudulently to my XXXX credit report XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX NAVY FCU XX/XX/XXXX NAVY FCU XX/XX/XXXX I did not give my consent for these inquires to be done and demand they be deleted as soon as possible since I have no been able to receive any help directly from the credit reporting ageny.
Consumer complaint received 2022-08-18
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. (PA)

I did not give you written instructions to furnish this account " XXXX XXXX XXXX '' on my report. you guys committed aggravated identity theft. I seen I had an inquiry from the company XXXX XXXX XXXX that you authorized a couple months ago. So you allowed this company to have access to my consumer file without my consent then furnished the report. You guys are violating 15 usc 1681 part of the fcra which you folllow.
Consumer complaint received 2022-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I reviewed my consumer credit report and I noticed an unauthorized inquiries. I reached out to Transunion via phone to get these fraudulent inquires removed and they were no help advised me that I needed to get a letter and basically permission from the " data furnisher '' before they would remove any inquiry, but they are being reported without my permission or consent. The following are inquires that are reporting fraudulently to my Transunion credit report XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I did not give my consent for these inquires to be done and demand they be deleted as soon as possible since I have no been able to receive any help directly from the credit reporting ageny.
Consumer complaint received 2022-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On XX/XX/XXXX, I deposited a {$9000.00} government issued check into my checking account. Upon depositing it, I was told by the teller all funds should be available the next day. After the teller deposited the check, I was told that the majority of the the check would be available the following day and the remainder would be available by that Friday, XX/XX/XXXX. I have a written receipt stating this breakdown. 

The following day after the deposit, however, XX/XX/XXXX, I login to my account to see that all funds wont be available until XX/XX/XXXX with the message that it is assumed that the government issued check would not be honored. Id like to mention that I have never had a returned check on this particular account and I maintain over {$6000.00} in direct deposits each month. 

Moreover, I had a payment pending for {$2500.00}, that had a online notice saying that it was a partial hold on the deposited funds to honor the payment that was pending. I login today, XX/XX/XXXX, and see that the payment was returned while my check is being held for two weeks to clear. 

Today I will be further researching and inquiring as to what next steps I should take, as this is the third time that Bank of America has placed excessive discriminatory holds on my accounts because any check I deposit, along with money orders, are determined by BOA to allegedly have a high likelihood of being returned. I am a XXXX, XXXX woman, who again never had any checks returned on this account and in total I have banked with Bank of America for over 20 years. I feel discriminated against, considering I live in a predominantly XXXX zip code with a majority of the per capita income below the national poverty line. In contrast, I deposited the check in a predominately White zip code branch location where the per capita income levels are some of the highest in the country. I also watched an older XXXX  man in line before me simply walk in and cash a {$12000.00} personally written check and my government issued check is being held for two weeks. The issuer has indicated that the check has already cleared, but Bank of America continues to not allow my funds to be available. The disparate handling of my account and treatment and lack of a response after I filed my initial complaint is troubling and distressing.
Consumer complaint received 2022-08-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I am writing to you because I am literally at my wits end. Im at a complete loss and I hope you can get accomplished at what Ive been unsuccessful at. 

On XX/XX/XXXX I walked into a local Bank of America branch to pay my mortgage. What I didnt know until Saturday, XX/XX/XXXX is that on XX/XX/XXXX the teller applied my mortgage payment to my Bank of America credit card XXXX I was scheduling my monthly bills this day when I was scheduling the BOA credit card it said I owed {$0.00} with a credit of {$570.00}. I was like do I have a secret Santa? Nope I saw payment made XX/XX/XXXX in the amount of my mortgage. I went down to the local branch with my receipts from XXXX which showed it was applied to the credit card. 

The gentleman took copies and said they couldnt fix it there and couldnt reach out to whoever until Monday XX/XX/XXXX. He took my info I got a direct number to that location went home. The guy from the bank called me said they could get ahold of someone but I needed to come back to authorize the fixing of the mistake. I went down they got a guy named XXXX on the phone he said he put in the change itll be reflected by Wednesday XX/XX/XXXX. 

As of today XX/XX/XXXX it has not been fixed Ive been to the local branch multiple times, Ive called the XXXX # and sent them messages. I have now been reported to XXXX twice for 2 months of late payments as my XXXX payment they took out of my bank account but have not applied it to my mortgage. 

This has been the worst experience ever, how difficult is it to remove the wrongly applied mortgage payment from the credit card and rightly apply it to the mortgage? Ive opened up a dispute with XXXX and then tonight I get another notification BOA has flagged me 2 months late Ive never been late ever in the 12 years Ive had a mortgage with BOA. It should not take this long to fix a mistake made by BOA and in the process my credit is taking a hit which I pride myself on good credit. 

Ive called, messaged and gone to the local branch not resolved. The customer service is awful right up there with XXXX. One response I got was were not responding to this your other message isnt closed, meanwhile theyre sending me stuff for having trouble paying my mortgage. 

I was charged at late fee etc. I just cant with this bank I honestly dont know if you can even help but this has been a nightmare. Ive included the documents you need the receipts the messages Ive sent screenshots showing I was reported to XXXX twice since Sunday, XX/XX/XXXX. 

I not only want my mortgage payments applied correctly, I want the XXXX ( XXXX ) reports to XXXX to be removed. My credit should not take a hit because the bank made the mistake.
Consumer complaint received 2022-08-28
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. (SC)

On XXXX I disputed inaccuracies, I came across my credit report from XXXX, and Transunion XXXX XXXX XXXX XXXX 


Both credit bureaus had vast discrepancies in the information reporting, although their investigation results dated ( XXXX ) XXXX advised they were still investigating, and it should be completed by XXXX. Which is past the 30 days allowed. The investigation did not change information reporting, there are still inaccuracies. I sent a method of verification request on XXXX via certified mail. That request was ignored by both credit bureaus. I have yet to receive that information which is now past the statue time.
Consumer complaint received 2020-02-07
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. (CA)

I filed a dispute with XXXX  because XXXX  reported my information as the responsibility for a patient that I am not legally responsible for per court order. I did not take this person to treatment. I provided the correct contact information for biological mother and father to XXXX and said that although they used my insurance, I am not financially responsible for anything insurance does not pay. The bio father paid on this debt his 50 % and gave billing info for the other 50 % to legal parent XXXX XXXX who also was the one who accepted financial responsibility at the doctor office. Ms. XXXX was also required to provide her own insurance per court order. When I tried to get this straightened out with XXXX, they laughed and said good luck getting this removed. I sent proof to Experian that this claim had been removed and had already gone through dispute after I did all the work. XXXX  removed this claim. Experian did not fully investigate that I had no contract, the balance was inaccurate and not billable due to insurance, and I am not legally responsible for any part of this childs medical bills as outlined in a court order with his biological parents. In addition all balances are due from XXXX XXXX and all I do was provided and removed accordingly from XXXX. It appears Experian did no such investigation and only did a debt validation where no case information was reviewed. This was not the dispute reason. This is due to inaccurate balances, incorrect and illegal reporting after being provided with legal owners of the account and failure to properly bill all insurance carriers.
Consumer complaint received 2017-11-05
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: EQUIFAX, INC. (FL)

I traded in a XXXX I had on lease early. During the process I contacted XXXX XXXX several times to make sure of exact amounts and how to pay. The dealer did not pay the termination fee as agreed. When I saw the error I immediately called XXXX and was told not to worry they do not report termination fees as late till 120 days. After contacting the dealer I logged onto my XXXX account online and paid the termination fee. My account screen reflected a XXXX balance. Now months after the lease was paid off early I receive a notice from equifax XXXX reported me 30 days late in XX/XX/2016, 90 days late in XX/XX/2016 and 180days late from XX/XX/2016 through XX/XX/2016 when I made my final two payments early. 

This gross error has cost my credit score to plummet! At no time during several conversations with XXXX was I told my account was delinquent. XXXX never called me once over a 18 month period to tell me my account was delinquent. At no time during that period when I logged online did my account show delinquent. 

I feel XXXX XXXX has violated the FCRA and should be held accountable
Consumer complaint received 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX 1 LATE PAYMENT Credit usage 6 % Balance {$18.00} Balance Updated XX/XX/XXXX Credit limit {$300.00} Account info Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Charge Card The information on this card is completely incorrect that it should be a XXXX balance and no late fee I mean every attempt to contact the credit bureau as well as the credit card company for XXXX XXXX XXXX well as capital 1 no 1 seems to want to help me we are in the covid 19 cares at legally they are not able to file missing information on my credit report I also believe I was a part of data breach for the Equifax as some information has been mixed up and given to other people please help me fix this situation
Consumer complaint received 2017-12-23
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (TN)

In XX/XX/XXXX Attorney XXXX XXXX help to take my home of eighteen years. 

He did not do any research to learn of the history of my loan. I paid off the loan I had with XXXX XXXX XX/XX/XXXX. The Deed of Trust was documented in XXXX County register office FZ page 4716. XXXX was paid in full by XXXX XXXX XXXX {$11000.00}. 

XXXX XXXX XXXX transferred my loan internally in XX/XX/XXXX,XX/XX/XXXX & XX/XX/XXXX. I 've been told by them the bank was restructered, yet I was n't notified. In XX/XX/XXXX the loan was transferred to XXXX XXXX XXXX located in Texas. 

I was n't notified, it does n't appear as though US Bank Home Mortgage was notified. Three different Federal Identification numbers was used, with the same loan number to report my XXXX-mtg interest statements to IRS. 

I just learned of this XXXX XXXX. I just recently received payment history for XXXX XXXX XXXX XXXX  from XX/XX/XXXX. 

I was under wage earner when these transfers was done. Government records have been tampered with using my personal information. 

I recently pulled my credit report to learn that someone added a address for Michigan to my credit report. As I 've mentioned my credit report have been manipulated. 

The FBI told me to pull my tax transcripts to learn that XXXX was reported to IRS in XX/XX/XXXX. They was a sub-servicer for XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX Loans did transactions on behalf of XXXX XXXX XXXX XXXX a division of XXXX XXXX XXXX/ their corporate office located in XXXX Texas . XXXX XXXX XXXX Loans was n't on my credit report when I filed bankruptcy in XXXX. 

This is/was a Breach of Contract. As I 've mentioned, I now have a copy of payment history from XXXX XXXX XXXX XXXX. I did n't make payments to XXXX XXXX XXXX XXXX, because I just recently learned of them/ XX/XX/XXXX.