davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-31
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (GA)

This account was taken out by unauthorized family member in XX/XX/2917 when I found out I called them and let them know to close the account Ill pay final bill of XXXX for month ( only had account XXXX ) after about XXXX mths I noticed on my report after repeated attempts to get settled and removed they are still reporting inaccurate information as far as balance and dates! This account is over XXXX old but they are reporting as open in XXXX ( false ) on my credit report to remain as derogatory! Im asking that this account be removed 1 inaccurate reporting and 2 its old account over XXXX!.
Consumer complaint received 2022-10-08
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. (IN)

This is my ANOTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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 in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-07
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: PENTAGON FEDERAL CREDIT UNION (NY)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the item listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: AMERICAN EXPRESS COMPANY (CA)

XX/XX/2022 around XXXX pm XXXX time I receive a text message some one try to use my card if i want to us my card l need to verify those transactions and my answer no i didn't authorize those so and then i receive a call from the number XXXX and answer this call was a male person he told me he call from server amex which is my card bank so he asking a lot question about my account end XXXX so after the conversation i did not was a fraudulent call so i was give my information social security driver license and password from my account email address and he say was cancelled my card and sending a new card but a never receive so Thursday morning l have another text message if i doing transfer for XXXX from my account to pick up in XXXX so i say no is no me so after couple minutes when i check my account i note less money so i try to call the bank o card services and my account was block and no money after when i call several times l call fraud department and they give me all the details about the Person pick up the money and transaction number is the Person name is XXXX XXXX transaction # XXXX and XXXX store number is XXXX XXXX XXXX XXXX XXXX XXXX Florida so this person is a robber identity theft he or she use my card fraudulent please help me to find this person to search and sending to jail for scam and fraudulent person and then i call the company Amex server for my money back and then they tell me that dispute was denied because l was authorize this transaction and case number # XXXX i have with me a evidence that l did not authorize this transaction text message from the company server they asking me if i approved and l was response no but they pay authorize the transaction l don't feel safe anymore money in this institution
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - In accordance with the fair credit reporting act convergent Account # 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.
Consumer complaint received 2019-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Ive treid multiple times to have an account that is over 10 years old removed from my Experian account and they still refuse to do so. There is no legal basis or requirement to continue showing this account. It should be removed.
Consumer complaint received 2021-06-14
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. (FL)

I have a closed credit card account from XXXX with XXXX / XXXX that is seven years old and has been disputed before and on XX/XX/XXXX, XXXX one out of the three credit reporting agencies removed this account from my credit within five days, the other two agencies Experian and XXXX told me by phone on XX/XX/XXXX they have to follow federal guidelines but have the right to retain this information on my credit during that seven year period even if the closed dates are disputed to be incorrect, this account is showing in the XXXX system as frozen after it was disputed, it was explained to me by XXXX customer service this wasn't done by them that XXXX / XXXX put a freeze on this account so nobody could remove it from my credit until XX/XX/XXXX, I contacted XXXXXXXX XXXX questioning this and got nowhere with them, Experian is continuing to report this until XX/XX/XXXX and will not remove it until that date, this may only seem like a few months but this is a way for the credit card companies and credit reporting agencies to punish the consumer.
Consumer complaint received 2019-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Hi, There is no way I was late! Then it didn't apply fast enough or the way I expected. I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 for 30 days late???? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

After several attempts to get this matter resolved, XXXX XXXX XXXX still has a collection on my credit report while they are not able to provide 1 ) A copy of the original application which includes my electronic signature 2 ) Full payment history from the original creditor 3 ) The original purchase agreement that shows that they legally own this alleged debt that provides the name and address of the original creditor. Since they can't provide these items, that is proof they can not legally collect this alleged debt. Secondly, XXXX XXXX XXXX is NOT licensed to collect debt in the state of Alabama. Section 604 A Section 2 of the FCRA states a consumer reporting agency can not furnish an account without my written instructions. I have at no time sent any reporting agency my written permission and they are not able to prove that I have. Section 15 U.S.C 1666B states : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-03-22
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: DISCOVER BANK (FL)

Discover financial services agreed to remove the late payments due to the hardships brought upon me by the pandemic, and have yet to do so. Under the CARES ACT, they agreed to apply a courtesy update removal as long as I set up a repayment plan. They have yet to do so and are in violation of CARES ACT and XXXX.
Consumer complaint received 2021-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I've called XXXX XXXX multiple times, faxed three ( 3 ) and wrote to them four ( 4 ) times including the request for Validation Letters that I'd sent to the reporting Vendor. 
I've asked that they verify Per the Fair Credit Reporting Act, 15 U.S.C. 1681. To please PHYSICALLY verify and VALIDATE as required under the FCRA all of the following data on all the below accounts : ALL DATES, FULL ACCOUNT NUMBER, ACCOUNT STATUS, PAYMENT STATUS, ACCOUNT BALANCE, HIGH BALANCE, TYPE OF ACCOUNT, CREDIT LIMIT, DATE OPENED, MONTHLY PAYMENT AMOUNT, PAST DUE AMOUNT, ORIGINAL AMOUNT OF TRANSACTION/LOAN, DATE OF LAST PAYMENT, DATE OF LAST ACTIVITY, AND REMARKS regarding a collection that they have been reporting on my report since XX/XX/2021. 

I've written to EQUAFAX requesting VERIFICATION on XX/XX/2021, XX/XX/2021, XX/XX/XXXX, XX/XX/XXXX. 

They have yet to provide the required data.
Consumer complaint received 2017-06-01
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

I purchased a XX/XX/XXXX     XXXX   XXXX    with my brother ( co-applicant ) through  XXXX  in  XXXX . We traded the  XXXX   XXXX  in for  XXXX   XXXX   XXXX  on   XX/XX/XXXX   in My name only this time.That being said the  XXXX   XXXX  was paid off through  XXXX  and the dealership had possession of it. I would n't be able to get another more expensive car had the other car not been paid off..I took possession of my new ca r (   XXXX   XXXX   )   XXXX  In itially there were two 30 day lates, one reported on    XX/XX/XXXX  and the other in  XX/XX/XXXX . I was advised to dispute it by  XXXX  because they had different 30 day late dates and was advised sadly this happens and that we would just have to dispute it. I disputed it and they only  removed one 3 0 day late which was the  XX/XX/XXXX . When I called back in I was given a different story all together. I was advised that the final payoff amount that  XXXX   XXXX   XXXX  sent in was less than the total payoff amount and that 's why it was reported 30 days late but again I was advised the dates she showed were different. She advised me to have  XXXX   XXXX  of  XXXX   XXXX , MI to write an at fauIt letter stating they made a mistake with the payoff amount and they would remove the last 30 day late. I called  XXXX   XXXX  and spoke with my  Sales  person  XXXX   XXXX  and was advised they did nothing wrong on their part and they refused to write such a letter. I was advised to talk with a  XXXX   XXXX  @  XXXX   XXXX  who is over him. I called on several occasions and left several voicemail messages for a  XXXX   XXXX  @  XXXX  and he has never once returned my calls. No one wants to acknowledge their mistake and correct this, meanwhile we have a 30 day late that is tarnishing our credit reports. We did nothing wrong ... we were never late. The car was paid off and out of our possession on   XX/XX/XXXX   so how can we have a 30 day late on our credit report for  XX/XX/XXXX & XX/XX/XXXX  and if that was truly the case why did they wait 6 months to report it? That 's why they removed the   XX/XX/XXXX   late status because its impossible to have a late payment for a paid off vehicle and they know they were wrong. I 've tried disputing this a total of 5 times but it continues to come back verified and its illegal under the FCRA act to report inaccurate information. Neither  XXXX  or  XXXX   XXXX  will do anything to help me. I also feel that the credit bureaus are not doing there do diligence and that they are just going by what  XXXX  's response was or I really feel like they are n't even investigating the matter.
Consumer complaint received 2023-06-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE (WI)

In XXXX I was told by First Merit Bank ( now Huntington Bank ) the loan ( XXXX ) was written off due to bank acquisition errors in account transfers and could not find the owner of the loan. 

In XXXX I was told by First Merit Bank XXXX now Huntington Bank ) my loan was written off due to bank acquisition errors in account transfers and could not find the owner of the loan. 


Collateral used on the loan was released by the bank and has since been sold. 

In the process of taking out a home equity loan, through a title search, it was discovered that F & M bank ( now Huntington Bank ) show having a lien on my property as a mortgage. Clearly on the promissory note attached you can the home was not used as collateral. 

Nothing on this loan appears on my credit report, nor have I been contacted by Huntington Bank or First Merit Bank to collect on this debt. 

I contacted Huntington upon the information provided by the bank I am using to secure HELOC. The information I received shows Huntington Bank ( from F & M acquisition ) holds a mortgage on my home. 

9 years later, Huntington Bank provided the original loan paperwork ( attached ) showing the collateral used to secure the loan and which show the final payment in XX/XX/XXXX. 

In the paperwork Huntington Bank supplied me, a XXXX XXXX XXXX, XXXX XXXX XXXX and a XXXX XXXX travel trailer were used as collateral. 

I thought this matter was settled back in XXXX based upon conversations with First Merit when they said it was written off. See the attached notes on the linage of my loan and you can see all the conversion I had on this starting in XXXX XXXX with names and phone numbers. 

When I requested a report of all payments made on this loan, they sent me the attached document. The sheet only has 5-line items, starting XX/XX/XXXX, XX/XX/XXXX, XXXX & XX/XX/XXXX. Clearly you can see that they acknowledge on XX/XX/XXXX, the load was charged off. Also, in XXXX, XXXX XXXX and XXXX XXXX at First Merit referred that the loan was written off and no action was required from me. 

How could Huntington get this filed as a mortgage with the promissory not clearly shows the home was not used as collateral? 

How can they come back after such a lengthy period? They have made no effort to contact me the past 9 years as only now that I asked them to remove this, they are perusing it. From the payment history they sent, no entries were made after XXXX. 

I did submit a complaint to the Office of the Comptroller of the Currency, case XXXX, and they said I need to work with XXXX XXXX XXXX XXXX. 

How do I get Huntington National Bank to acknowledge that this was written off and that they need to remove the lien on our property? 

I have attached all correspondence and documents.
Consumer complaint received 2022-07-07
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. (CA)

I am utterly frustrated to see that the Credit Bureaus have done nothing to remove the inquiries that were the result if the Theft of my Identity despite the countless written letters that I have been sending to the Credit Bureaus. It has been drawn out into the open that the Credit Bureaus are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that the Credit Bureaus decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law : XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-07-07
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. (NJ)

In accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-06-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC (GA)

Called UsAutoSales/Westlake XXXX XXXX because my vehicle needs repairs that is covered under my warranty. 
{$3500.00} Warranty amount included in my financing. Company said my warranty contract was void, and is refusing to deduct warranty amount from price or repair my vehicle
Consumer complaint received 2019-01-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: SYNCHRONY FINANCIAL (TX)

I received a notice that I am being sued for debt collection by XXXX XXXX XXXX XXXX on a closed/and or charged off amount on a Synchrony Bank (Lowes) credit card and must respond/appear in court in 19 days. I have been disabled by a judge and only receive Disability benefits and cannot drive to appear in court, Account opened in XX/XX/XXXX,state of Texas, amount $XXXX. Any advice on this matter is appreciated,
Consumer complaint received 2021-06-14
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. (TX)

Through XXXX XXXX I received an alert on XX/XX/2021 to verify my credit and when doing so I realized that they had subtracted 100 points from my credit score in Equifax where until the day of XX/XX/2021 I had it score at XXXX. This caused me great concern and at the same time a great annoyance since I do not understand what happened here. 

I proceeded to call Equifax who assisted me in customer service XXXX who explained to me more or less what happened and where she provided me with this website ( www.ftc.gov ) to submit this claim where I ask that this situation be verified. that I have all my accounts up to date, and I have never fallen behind in any and where I have not requested an increase in any of my accounts currently. 

Please, I ask you to help me in this situation which has me very bad and worried.
Consumer complaint received 2021-06-14
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 ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.