davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-28
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)

According to the Fair Credit Reporting act, - 15 U.S.C 1681 section 602 A. States I have the right to privacy.

- 15 U.S.C 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX  # XXXX, has violated my rights by reporting a duplicate account. 

XXXXXXXX XXXX XXXXXXXX # XXXX, has violated my rights. 

XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX # XXXX, has violated my rights.
Consumer complaint received 2021-02-17
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: AMERICAN EXPRESS COMPANY (NY)

There is an unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. AMEX ( XX/XX/XXXX and XX/XX/XXXX ). For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Consumer complaint received 2024-03-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (OH)

My husband was contacted by a company from a remote job. They sent him a contract and electronic check for {$5900.00} to be deposited in my Chase account on XX/XX/XXXX. On XX/XX/XXXX, the check showed cleared and they requested we wire it to their IT center in XXXX, XXXX to get things going asap. I completed the wire for {$5900.00} with the information given to me. They said the amount did not have to include the {$25.00} wire fee. About an hour later we started researching the company and discovered the people we spoke to did not exist in their company and that it was a scam. I immediately called Chase and told my story multiple times since I was transferred blindly. I was trying to get them to stop the transfer. Finally the filed a recall on the transfer and gave me a claim number. The next day the check that I deposited came back as fictitious and put my account in the negative I received an email this morning from Chase that did not make sense so I called the number in the email. The XXXX XXXX XXXX told me that Chase asked XXXX XXXX for the money back due to fraud and XXXX XXXX asked the customer for the money back and they said no.
Consumer complaint received 2022-04-28
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX & XXXX XXXX ; XXXX XXXX  ( Hotel and travel XX/XX/XXXX, XXXX XXXX  XXXX XXXX my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-07-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I leased a car from XXXX XXXX in XXXX. I was in an accident on Tuesday XX/XX/2019 and my car was totaled. I was 0 % at fault. XXXX was notified within a day of the accident and immediately closed my account. I personally contacted them to make them aware of the accident, too. XXXX was sure to let me know that I did not have any missed payments on the car. My insurance was handling the financial part of reimbursement to XXXX ( XXXX XXXX XXXX ).  I was working with multiple people, but one woman 's name was XXXX XXXX. Her contact was XXXX. The claim was completed immediately after the accident. When I went to purchase a new vehicle, I found out that my credit score had dropped significantly. I looked and saw a delinquency charge from XXXX just 2 and a half weeks after the accident. I was never notified of this charge by XXXX, either by mail or phone. I called my bank and asked them what the charge was from, and they said that XXXX submitted a delinquency charge against me on XX/XX/XXXX, only about 3 weeks after the accident. I do know that XXXX received their check from my insurance company on XX/XX/XXXX paying entirely for the totaled lease vehicle. XXXX was no help at all in this matter - and sent me on a wild goose chase which costed me hours of my time. I now can not finance or lease a new car due to this drop in credit resulting from a wrongful delinquency charge by XXXX.
Consumer complaint received 2022-01-10
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: CBC Companies, Inc. (PA)

I am writing to dispute the following information in my credit report. The credit report showed credit inquires that I dont recall authorizing. I understand that you shouldnt be allowed to put any inquiries on my file unless I have authorized it. Please have the inquiries removed from my credit file because it is making it very difficult for me to acquire credit.
Consumer complaint received 2022-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX & XXXX XXXX ; XXXX XXXX  ( Hotel and travel XX/XX/XXXX, XXXX XXXX  XXXX XXXX my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-12-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Velocity Portfolio Group (NJ)

They sued me for a debt that was more than 10 years old from XXXX. The lawyer was XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX NJ XXXX number XXXX XXXX XXXX the the company was Velocity Investments LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX. They are garnishing my pay without showing any proof that I owed the debt. I sent numerous letters to them but they moved forward with garnishing my wages. They sent me documentation that they bought the debt from someone back in XXXX I have several receipts from certified mail sent to all the parties involved letting them know that this debt was both not mines and it was too old to try to collect. 
The garnishment was for XXXX and they are taking 200 to 250 out of my paycheck every period. It feels like I'm being robbed
Consumer complaint received 2018-05-05
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: High Performance Capital (FL)

XXXX XXXX XXXX, was leased to me, I received a letter that if the car was resold it was going to be used partially to pay debt of car loan, it shows as opened past due when I dont have this car since XX/XX/XXXX please review
Consumer complaint received 2021-04-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC. (CA)

I submitted a complaint on XX/XX/XXXX after speaking with a representative, and asking for a settlement, they refused, then responded to my complaint stating they extended a settlement offer, however they have not tried to contact me once since the initial date in which I spoke with them, they then responded to my initial complaint stating to contact them to finalize the settlement offer of XXXX approved on XX/XX/XXXX per their response to me via this portal, and they refuse to have anyone call me back. 

I called XX/XX/XXXX, never received a call back on XX/XX/XXXX as stated in their previous response. 

I called XX/XX/XXXX after reading their response to CFPB, and was told i would receive a call back, and never did. I am now on the phone XX/XX/XXXX at XXXX PST and was told I will receive a call back, but they have no idea when I will. 

I just want to pay the {$11000.00} they agreed upon in my previous complaint, but they have sent no formal settlement offer to my email address on file, nor have they tried to call me at XXXX - I am asking for them to send me via email to XXXX or XXXX a copy of settlement offer, and allow us transfer funds, or set up a payment immediately to finalize settlement offer. 



Original complaint below XX/XX/XXXX Purchased vehicle for XXXX, at interest rate of 19.35 % with sub-prime lender Exeter Finance, located in XXXX Texas, Promised by finance officer that we would be able tor refinance, however actual value of vehicle was never the amount that was listed, and due to several mechanical issues, and failure with engine, it made it impossible to refinance this vehicle. Requested assistance XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and no options made available by Exeter and was told I would have to complete 72 payments on original contract and there is no reprieve that can be provided, even based on the current value of vehicle. Current vehicle is worth less than the settlement offer, they have received total payments in the amount of XXXX well exceeding the amount of the loan originally financed, and am hoping they will take the little amount I have and settle on this debt so i can move on with my life. This is a predatory loan, with no exit. Refinance, is impossible as it would require the difference of what is owed on this underwater XXXX. I have done my best to comply with the awful interest on this loan, despite now being qualified for better financing, and a better rate on a brand new vehicle, however the purchase of this vehicle and terrible interest haunt me.
Consumer complaint received 2021-02-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I have asked Experian to to investigate and check some errors I noticed in my credit report. Experian has disregarded my request.They have mentioned something about they need authorization but clearly if im asking for the second time I am giving them permission/authorization. I included a bank statement and proof of id to confirm my identity.
Consumer complaint received 2020-12-23
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. (MA)

Hi Team ; I'm not sure what's going on with this XXXX XXXX account number. It just doesn't make sense at all. I personally went to XXXX XXXX because i saw a charge-off account on my credit for {$280.00}, and when i talked to a representative there, she said that it was transferred to XXXX XXXX XXXX XXXX. However, when i check all my 3 bureaus ' credit reports, it's not reporting as such. NOt only that, my the balance that's on my credit report is completely incorrect - instead of {$280.00} charge off balance, the rep said it's now $ XXXX. How is that even possible. For the last 6-9 months, i been trying deliberately to resolve the issue, but the credit bureau and XXXX XXXX continue to reply back as reporting as accurate. How is that possible? If the account is reporting incomplete, misleading, incorrect information including the balance and they failed to report who is the company that they transferred to. This is illegally reporting and it's unverifiable account. It's my understanding under the provisions of frca, that the furnisher and the credit reporting agencies need to ensure that the account is reporting 100 % accurate - well,, this is inaccurate this is in violation of the consumer laws. 

Again, here is the list of errors with this account for your summary : This account has the wrong balance This creditor does not own this account This account was sold but still reports a balance Doesnt show transferred/sold but does not say paid and doesnt have a balance Each bureau reports a different date of last activity Account has been re-aged Account disputed and nothing was sent to me to legally verify this account this is the confirmation of payment : CONFIRMATION OR ID NUMBER : XXXX XXXX XXXX XXXX XXXX {$200.00}
Consumer complaint received 2021-04-16
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 — Problem with personal statement of dispute
Company: LD Holdings Group, LLC (FL)

I applied for a mortgage loan back in XX/XX/2020. I authorized MTH to obtain my credit score. It was obtained and used correctly. On XX/XX/2020, I had a conversation what Mr. XXXX XXXX  regarding approval of a lower child support amount that Mr . XXXX  and I had discussed in back in XXXX. There was absolutely no discussion about any credit reporting or any request to run my credit again. I check my credit report recently and noticed I had an iquiry on XX/XX/2020. This inquiry was obtained WITHOUT my consent. 

I filed a complaint against MTH and this was their response. " Ms. XXXX and Mr. XXXX contacted MTH on XX/XX/2020, to advise that Mr. XXXX child support payment was reduced. At that time, a request was made for MTH to pre-qualify them again. When the request was made, Ms. XXXX and Mr. XXXX authorized MTH to review their credit profile, resulting in MTH pulling a tri-merge credit report that same day. MTH is unable to remove the credit inquires made on XX/XX/2020, as it considered the credit pulls valid pursuant to the authorization provided. MTH and loanDepot is committed to responsible lending and servicing and we apologize for any frustration or inconvenience this matter may have caused Ms. XXXX and Mr XXXX XXXX. ". 

However, there are multiple errors in this response. First off, I was the ONLY individual who talked to Mr. XXXX XXXX  that day. Second, there was no verbal authorization or any authorization given to pull a credit report. This is fraud.
Consumer complaint received 2019-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I strongly believe Capital One has discriminated me due to me age. I am XXXX yrs old and applied for a Capital One credit card. I had credit scores of XXXX XXXX and XXXX with XXXX  and XXXX   Capital One 's reason for denial was very very vague. First they used my lowest credit score with XXXX they also said I had : 1. Too many recent inquiries : seriously I have had 3 inquiries in last 6 months, 2 of those are on the same day with XXXX opening a checking account & Credit card 2. Too many new revolving accounts. I opened 2 new revolving accounts in last 60 days, since when is that an issue 3. Recent credit Bureau inquiry :?? seems this is the identical reason as # 1 just worded differently to make it seem like a separate issue. 
4. They claim my credit limits on recent " XXXX '' accounts. What the XXXX?? My recent XXXX is {$20000.00} and XXXX XXXX is {$10000.00} Capital One also conveniently did not mention that I have no mortgage. My home has been paid off for the last 20 yrs, I have no car payment, I do not pay car insurance. My debt to ratio is under 3 % and I have over a XXXX  dollars in assets. I would love to compare my credit report with others who Capital One has approved for credit. This is clearly Discrimination.
Consumer complaint received 2021-12-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (FL)

we needed CFPB Order TD Bank to refund our in the amount ofXXXXand XXXXfor overdraft and returned fee of XXXX from XX/XX/2021 through XXXX XXXXin XXXX month is what TD bank charge and returned all the item and collect these fund from our bank account. i just look at the CFPB report where that was order to paid these fund back to the XXXX XXXX XXXX most convenient bank TD bank was ordered to pay XXXX million in penalty and restitution to it custom this ordered by the CFPB. as of XX/XX/XXXX. XXXX and we just file a compliant against this two month. ago.
Consumer complaint received 2021-06-15
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. (GA)

The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/2021 and Several times prior to that. 


Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$0.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$1.00} Reason : Account is fraudulent
Consumer complaint received 2021-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (NY)

I lost my job due to covid ans this bank didnt even let me know or offer me assurance which caused my account to fall behind and be delinquent now I called customer service they refuse to assist me they blocked my online access they wont even mail me statements they stopped sending me so how was I supposed to make a payment without a bill I asked they refused to send me a paper statement by mail to see my balance and offer hardship Assistnaxe I was a loyal customer until this happened to me
Consumer complaint received 2021-02-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Commerce Home Mortgage, Inc (CA)

I have tried numerous attempts in trying to get assistance from Commerce Home Mortgage called their Customer contact number XXXX and left messages letting them know that I was having a log on problem and needed help from their technical department on getting my issue resolved. In logging on I keep getting my previous property in XXXX at XXXX XXXX XXXX XXXX, which causes problems in being able to make a payment to my new property at XXXX XXXX XXXX in XXXX in using the Home Mortgage Website. I have left numerous messages to no avail. I am currently being forced to rely on mailing out my payment and hope that the USPS delivers my payment to the correct address, I wish to send out my payment online using XXXX Home Mortgage Website.
Consumer complaint received 2022-07-23
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. (GA)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information and accounts in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX  XXXX Balance : {$4900.00} XXXX XXXXXXXX Balance : {$3000.00}
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/2021 and Several times prior to that. 


Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$0.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$1.00} Reason : Account is fraudulent
Consumer complaint received 2021-04-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

We had an credit card with Capital One with a {$500.00} credit limit. We were not using it and closed the account with a {$0.00} balance to avoid further fees in XXXX. Capital One stopped communicating with us after we closed the account. In XXXX XXXX XXXX put an item on our credit report claiming that we owe {$1200.00} on the closed Capital One card. They claim that the account was not closed and that Capital One increase the credit limit repeatedly before sending the account to collections. We have requested documentation and disputed the debt three times through XXXX & XXXX to avail. XXXX XXXX claims that they've send us documentation on two occasions but has never done so. They are also required to send documentation when the debt is disputed. They have never done so. Our best guess is that Capital One secretly kept the account open, charged themselves service fees and increased the credit limit without disclosing this to us. We believe that whatever documentation XXXX XXXX has shows this and that is why they refuse to provide documentation. We believe that both companies are in clear violation of the FCRA