davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX this law firm XXXXXXXX XXXX XXXX is in direct violation of the Fair Credit Reporting Act ( XXXX XXXX acct number XXXX ) and has violated several of my rights. 

15 U.S.C section 602A .Clearly states I have the right to privacy 15 U.S.C section 604 A section 2 : it also states a consumer report can not an account without my written instructions 15 U.S.C exclusions state transactions can not be listed on consumer reports per Experian report number XXXX prepared on XXXX XXXX for XXXX XXXX XXXX XXXX XXXX / XXXXXXXX XXXX XXXX is listing type of loan note : unsecured : date opened XX/XX/XXXX : address id as XXXX : which is not my address credit limit or original amount of {$8900.00}. terms 60 months recent balance of XXXX balance wrong payment history from XX/XX/XXXX to XX/XX/XXXX. It also says loan modified if the loan was modified I would have to agree to terms that were never presented a modification not showing a payment history of XXXX XXXX XXXX XXXX 180 days past due in the comment section it says loan modified XX/XX/XXXX- XX/XX/XXXX all these are transaction records which is a violation please remove from credit report and provide updated information showing deletion on usc codes thank you also the previous response to my complaint from Rolfe and Lobello was they don't report to the credit bureau that means i am a victim of fraud since this account i s no longer being handled by XXXXXXXX XXXX XXXX. The first payment of $ was XXXX directly from my XXXX XXXXXXXX checking acct on XX/XX/XXXX this company said I never made a payment last response they said they only received a payment on the XXXX of XXXX and the XXXX of XXXX inaccurate info. Payment dates are as XXXX {$250.00}, XX/XX/XXXX {$120.00}, XX/XX/XXXX {$240.00}, {$230.00}, XXXX XXXX {$250.00}, XXXX XXXX {$220.00}, XXXX XXXX $ XXXX XXXX {$200.00}, XX/XX/XXXX, XXXX. XX/XX/XXXX {$220.00}, XX/XX/XXXX, {$210.00}, XXXX XXXX {$230.00}, XXXX XXXX, {$220.00} XX/XX/XXXX {$230.00}, XX/XX/XXXX {$220.00} US CODE 1681 S-2 STATES YOU CAN NOT REPORT INFORMATION WITH ACTUAL KNOWLEDGE OF ERRORS. please delete it from my credit report XX/XX/XXXX {$230.00}, XXXX XXXX {$220.00}
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (IN)

everytime i feel out a job application they go in and make it look like I've been convicted of these charges when in fact they are pending and the job application states have you been convicted which my answer is no and checker background deliberately deletes the word " charges pending '' off my report so it can look like I've been convicted already this is so wrong
Consumer complaint received 2021-09-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (TX)

My name is [ XXXX XXXX ], and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on ERC ( Original Creditor : 1XXXX XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX does not have any way to contact them to dispute. They keep reporting my account in collection when I have already paid them in full. This inaccurate negative reporting has gone on for several months now and is affecting my credit privileges.
Consumer complaint received 2022-03-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Novea Portfolio Management LLC (CA)

There is an item on my credit report that I am unclear on. It is showing that the creditor is XXXX and is reporting as a charge-off with a balance of {$0.00}. I disputed this account with the 3 major credit bureaus, XXXX, XXXX, and XXXX. I requested on various occasions that they investigate the item and provide me with details of their investigation. To date, I have never received a response from these bureaus, so I am still not clear as to what this item is. I decided to send dispute letters directly to XXXX. My first letter to them was dated XX/XX/XXXX and I asked to see the following items : * The complete original alleged promissory note that shows my signature * The account transaction history * Any required default or acceleration notices * The notice of sale document * The Calculation of Surplus or Deficiency letter * Any additional finance contracts including those related to insurance or finance products * The buyers guide * The purchase order * Any license, bond or registration document required by the state that allows you to hold or service this alleged promissory note I did not received any of these items. I received a response on XX/XX/XXXX and XX/XX/XXXX saying they did not conduct an investigation as they said they can not assist with the resolution. They stated Buyers Holding LLC is claiming to now own the debt and XXXX can not assist with any resolution. Therefore the account can not be verified as accurate reporting since it is still reporting as XXXX XXXX XXXX. This is my second time attempting to dispute this account as the CFPB has sent me a letter trying to also stall the removal of this account reporting on my report. I will submit my email address along with this complaint as requested by the CFPB. Please ensure this account is expeditiously removed from my report as it continues to damage my credit score.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX I have been asking to have my name spelling corrected as in my ID and birth certificate. In addition I also made it known that there are unauthorized inquiries on my account. There should only be one on behalf of XXXX XXXX which will be XX/XX/year>. Can you please assist me by having this corrected.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-04-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC (NC)

I recently took out an auto loan with American credit acceptance LLC. After further investigation of my contract, I have came to a realization that they are in violation of several consumer laws. 
( 1 ) One being, they are not licensed to collect in my state. This was taken from the XXXX website directly. There should be a unique identifier showing that they are licensed in my state. I found the nationwide license ID displayed on their website, plugged it into the XXXX website and found nothing pertaining to my state. 
( 2 ) I also did not receive my gramm leech bliley act during the signing of my paperwork. This pertains to the company giving me the option to opt out of having my information shared to the credit reporting agencies.

( 3 ) I was also told that it was mandatory for me to put a {$1000.00} payment down to receive my vehicle. Which when it comes to finance charges, cash is not mandatory per 15 USC 1605 labeled under determination of finance charge. The definition of a finance charge states the following Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. 
( 4 ) I am also being charged well over the usury law for my state. The usury law from my state is capped at 16 % and I am currently being charged a 21 % APR. 
In the following attached documents, you can see that this company is not licensed in my state. You can also see the dealership which recommended the financing company. In addition said financing company partook in deceptive practices by having it appear that I needed to sign off on the negative credit reporting in order to receive my vehicle. I was never given an option to opt out of having my loan reported on my credit. There is also an attached document showing the confirmation of my XXXX XXXX down payment. This down payment was sent to XXXX, although XXXX explain to me that it was a requirement of the bank in order to receive my vehicle. You can also clearly see in the attachment that reads law XXXX and XXXX that my APR is indeed 21 %.
Consumer complaint received 2022-03-18
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. (NY)

I checked my credit report today and noticed an inquiry from XXXX XXXX  XXXX  that I never made. It was requested on XX/XX/2021. I called the company at ( XXXX ) XXXX to inquire. they checked their system and stated they had no information about that inquiry.
Consumer complaint received 2022-03-18
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. (CA)

I have contacted the below creditor and they apparently have NO proof I have initiated such inquiries, nor written authorization and have failed to provide permissible purpose. Since, they do not have my authorization, written nor verbal I am asking you to kindly DELETE these inquiries from my credit report immediately as there is absolutely no evidence of my authorization, nor permissible purpose.

According to my research, under Section 604. Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S.C. 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete. 

The following inquiries are at issue : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, EQUIFAX MORTGAGE, XXXX
Consumer complaint received 2022-03-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

Company Name : Freedom Mortgage Website : https : //www.freedommortgage.com/ Phone Number : XXXX Loan Number : XXXX Name : XXXX XXXX XXXX Before I start I should say that the last customer service person I spoke with a week ago told me he sees issues like mine everyday and that Freedom Mortgage abuses Veterans. 

I have been begging to get off Forbearance for over a year and a half. You can listen to my calls and Ive been kind and patient but have pleaded to get back to a standard payment. 

In which time I have had 3 modifications presented to me and then retracted because they were wrong. I always have to wait 6 months to have it completed. I made payments and have no clue where those payments went. I am promised phone calls and return calls and they never happen. However in the mean time XXXX racking up interest. I have escalated to XXXX XXXX ( the XXXX  ) twice and when I think I have found hope they quit calling. Each week I get a call from collections and no one has any clue whats going on with my loan. They each look and see that the escrow is wrong and my payment should be lower and all agree but nothing ever gets fixed. I finally modified last month for a {$2900.00} payment. When my XXXX payment was done they changed the payment to {$3900.00}. No one knows why as they can look in the system and see the escrow is wrong. Ive had people quote me rates that are wrong, Ive been asked to present a letter of credit from the day I closed which was over 2 years ago. They said they needed it for a VA audit. This has been the craziest saddest customer service experience issues ever and its obvious they want my house. They are forcing me into a payment that Ive said I cant afford. I paid the {$3900.00} last month to avoid a 30 day late but I cant keep doing that. Ive been in and out of XXXX for the last year and that on top of getting zero resolve on my mortgage is draining. There are customer service records on my from over a year and a half and every service person that reads my records stated thats no way to treat a Veteran and then adds they see this all the time. Can you please help me. Ive been patient, I send them what they ask, I have seen other companies on their medications work with fellow veterans I know and they made it so easy. Why is it taking me a year and a half. I have had two service people try to blame me for this because they refused to go back and see what all has transpired and the errors freedom mortgage made on my file and the two failed mod attempts where they messed up The escrow numbers. There is no reason to take my payment to {$3900.00}. Please please help me. 

XXXX XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX Texas. XXXX
Consumer complaint received 2023-06-26
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. (MI)

social security number being used to establish accounts additional addresses have on my credit report that i have no knowledge of i want all this information removed police report made ftc report made contacted creditors as well
Consumer complaint received 2022-03-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: FIRST HORIZON BANK (LA)

I received a letter in the mail from First Horizon thanking me for establishing a new line of credit. I DID NOT APPLY FOR ANY LINE OF CREDIT. I called First Horizon and was told that the overdraft protection for my HELOC was being converted into a Line of Credit. I never had overdraft protection on my HELOC. First Horizon is fabricating a scenario to create Lines of Credit for its customers. 
First Horizon is also going the extra mile to make it as difficult for its customers to close the account by not allowing the account to be closed over the phone. 
This is the same banking fraud XXXX XXXX did to its customers a few years ago. Please stop this company and its fraudulent business practices.
Consumer complaint received 2024-04-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

On XXXX the XXXX of XXXX My company XXXX XXXX XXXX XXXX did some XXXX  /XXXX  XXXX work for XXXX XXXX totaling XXXX. it was split into XXXX payments of XXXX  with a net pay of XXXX On XX/XX/year> My company XXXX XXXX XXXX XXXX did concrete and Miscellaneous work for XXXX XXXX for XXXX 
It was split into XXXX payments of XXXX and the other XXXX with the total net pay of XXXX and a grand total of XXXX on hold/review. 
My customer XXXX transportation who is also an account holder with JP Morgan paid everything in full. My bank JP Morgan Chase and their WePay/quick accept department did not do their due diligence and just contacting the customer who is also an account holder with them to verify that they authorized the transaction. As a result of JP Morgan Chase Bank incompetence it has caused my small business XXXX XXXX XXXX irreparable harm and damaged reputation because of the extremely large amount being held for no reason. I am really trying to get this situation resolved quickly and in a peaceful manner without taking legal actions against Chase. I was also looking at Chase customers complaints on the XXXX XXXX XXXX and a lot of their customers has experienced the same thing. Chase Bank is known to hurt a lot of small business owners because of the same situation. We just want our money
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

I just pulled a copy of my credit report and I noticed my personal information is being inaccurately reported and I need you guys to modify and update my information. Lenders are having a hard time verifying who I am because of the information you guys have of me. According to the Law, it is required that you report correct personal information within my consumer report, and it must be deleted and/or updated within my credit file, or you are willfully violating the civil liability section of the Fair Credit Reporting Act, 15 U.S. Code 1681n.
Consumer complaint received 2022-03-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ASSOCIATED BANC-CORP (WI)

i complained to XXXX about this is and now there telling me to go to the bank sop for this reason this is not a duplicate complaint. 

On XX/XX/2021 there was XXXX fraudulent transactions, on my Associated Bank statement from XXXX to XXXX XXXX There was XXXX of the same transactions XX/XX/2021, there was XXXX charges that said XXXX XXXX XXXX XXXX XXXX XX/XX/2021 there was XXXX charge from XXXX XXXX XXXX XXXX XXXX XX/XX/2021 there was XXXX charge from XXXX XXXX XXXX XXXX There was XXXX charges total. All these charges were facilitated from his device by him. I am alleging that this was fraudulent and unauthorized by me. I am asking XXXX to investigate this as a a a part of this complaint on there part. It looks I am out all of the money to begin with, the grand total would be all of it because it was coming from both accounts he was facilitating. The information I'm going to send is, my written list of the charges, and statements that Associated Bank had printed out. That XXXX account was totally comprised, it is something XXXX XXXX created. If XXXX is not aware of this they need to be aware of it. 
XXXX response is attached and explains to contact associated bank for further investigation and XXXX works with associated bank. I did contact XXXX XXXX they reached out to XXXX XXXX he lied to them. I am attaching the police report upon getting your written response to the CFPD complaint I will be taking XXXX to civil and or small claims court.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (VA)

XXXX is completely and inaccurate reporting my credit and my accounts. On their website, they are reporting my credit report has not been updated. When looking on the XXXX, and Equifax reports, my credit score is complete different. This is a violation of the FCRA. And I am seeking legal action. 

They do not stay consistent with information and they are inaccurately reporting.
Consumer complaint received 2022-03-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Recently, I received a refund check in the amount of {$35.00} from Capital One, a refund of an overdraft fee charged to XXXX checking account now closed, account number not available. The account was closed in 2017, the remaining balance in the amount of {$4200.00} not received. I've since moved to new address at XXXX XXXX XXXX, XXXX XXXX, CT XXXX. In case check sent to prior address, it was not received. My prior address is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CT XXXX. Refund check was mailed to current address at XXXX XXXX XXXX, XXXX XXXX, CT XXXX.
Consumer complaint received 2022-03-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (TX)

I called Caliber Home Loans because it was time for PMI Removal. I spoke with a representative that told me how to fill the form out for an exterior bpo and explained that I have to pay {$100.00} and I do not need to be present and I can be at work. I paid the money of {$100.00} which was cashed on XX/XX/2022. I called back 30days later and another representative told me that it will take 45 days for the process to complete and to be patient. I waited 45 days and sent an email to Caliber home loans in their secured portal. When I explained this and told them that I am coming to them for the third time in good faith and I would like the service that I paid for to be completed. After I sent them this message today, XX/XX/2022, they scrubbed the system and the emails can not be seen. You can see the subject line, but they made everything of our correspondence not accessible.