davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-25
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: ID Analytics, Inc. (OH)

After Carefully reviewing my credit report i noticed there are a few accounts showing that i have not authorized. Due to this mishap im requesting my credit file be freeze. My name is XXXX XXXX XXXX i reside XXXX ROCKY XXXX XXXX COLUMBUS XXXX OH XXXX, Please remove the following address and unknown credit items from my report ... XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, DEBT RECOVERY SOLUTIONS # XXXX, XXXX # XXXX, XXXX following addresses/ and phone numbers are not associated with my social or XXXX MALLCREEK CT, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX CT, XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX CT, XXXX, WY XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX the XXXX numbers also : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2024-03-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I received in the mail a Capital One XXXX Credit Card, which I do not have an account for, nor did I submit an application for. Upon receipt of this card, I called Capital One Customer service to alert them of the fraudulant activity and account. They have placed a " hold '' on my account and are opening an investigation.
Consumer complaint received 2020-07-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America sold my loan back in XX/XX/XXXX without sending notification of new assignment. In XX/XX/XXXX it was discovered after receiving default notices from Bank of America mortgage servicer " XXXX XXXX XXXX '', that Bank of America Transferred and recorded all their interest in this loan to XXXX XXXX XXXX XXXX and XXXX, XXXX XXXX  is name as the mortgage loan Servicer. 

XXXX XXXX XXXX  is a Debt collector acting in the capacity of a mortgage loan servicer without consent from XXXX XXXX, or XXXX XXXX XXXX XXXX. A ASSIGNMENT DEED OF TRUST of this transfer was recorded XXXX XXXX. 

A letter dated XXXX XXXX, was sent to XXXX XXXX XXXX explaining the transfer discover on the Deed of Trust. XXXX XXXX XXXX refused to answer or return funds they collected after transfer, and continues to act as if the transfer never existed. 
An audit was done on this account and it was discovered that XXXX  XXXX XXXX committed a felony act by creating a delinquency for the purpose to foreclose on my property. I will be discussing this issue with the United States Attorney General Office as soon as their services are return to normal.
Consumer complaint received 2020-07-26
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

During XXXX of XXXX and XXXX of XXXX I lost my job due to the Covid pandemic. I made several attempts to let them know of the problem. Each time they responded with a generic respond stating they are aware of the lateness, and that they cant do anything. In fact they said they have to submit the remarks to the credit bureaus. In XXXX XXXX XXXX I made a large lump sum payment of XXXX to catch the account up. I have been current since. 

Since XXXX of XXXX the government released the CARES ACT which states if the consumer cooperates with the lender they will not penalise the consumer and remove any negative remarks. 

I called several times to let the lender know of the CARES ACT and each time they said its not their policy. This is in-spite of federal law. 

I would like them to remove these remarks or update these remarks on my report immediately.
Consumer complaint received 2022-06-16
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

XXXX XXXX XXXX  on XX/XX/XXXX my daughter purchased a car from XXXX of XXXX in SC. We filled out the application as my daughter being the owner and myself as the co-signer. The ran our credit and she paid her down payment of {$2500.00}. The next day she went to pick up the vehicle and XXXX sales man talked her into purchasing a warranty. Well the contract changed from daughter as the owner to the co-signer and put my name as the owner ( first red flag ). My daughter total the car on XXXX XXXX but the insurance company couldnt payoff the vehicle. Because XXXX of XXXX didnt have the title to the vehicle. Finally in XX/XX/XXXX XXXX of XXXX gave the insurance company the title but not after going o the DMV and lying about us purchasing the vehicle in XXXX to get the taxes paid on the car. Once XXXXXXXX XXXX XXXX XXXX  got the check we asked about the warranty refund. It took them until XX/XX/XXXX to apply the amount to our account but it wasnt the full warranty amount. Then XXXXXXXX XXXX XXXX XXXX charged off the account to handle the scandal. I contacted the company and spoke with XXXX that called the warranty on three-way. The company advised us that the warranty was voided by XXXX of XXXX and to contact them directly. So XXXX called XXXX of XXXX on three-way call and spoke with XXXX who explained that a representative from XXXXXXXX XXXX XXXX XXXX advised her to send the warranty refund minus the amount they owed the company from another consumer auto deal. And she thought it was okay to cheat me out of my full refund amount.
Consumer complaint received 2022-07-22
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: Experian Information Solutions Inc. (DE)

It has been drawn out into the open that you 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 you 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 XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$7200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$540.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-08-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC (CA)

XX/XX/22 Ive sent my right of rescission letter and affidavit of truth to Westlake Financial. I am deducting my liability to pay on behalf of the obligator as I have found several violations and fraud. I was given false and deceptive information ( violation of 1692e ) as I was told that a down payment of {$1500.00} was needed in order to drive off the lot. The buyer may buy the vehicle for cash or on credit and by law you cant do both. Pursuant to 15 usc 1635 ( a ) as I was never told I had 3 days to rescind the agreement nor was given the notices that come along with a consumer credit transaction. I participated in a consumer credit transaction and not a loan Pursuant to 15 usc 1602 ( I ). Also take notice that Pursuant to 15 usc 1605 the finance charge in connection with any consumer credit transaction shall be determined as a sum of all charges which was never disclosed to me which is a direct violation of this law. I am demanding my credit to be corrected and title of the vehicle
Consumer complaint received 2020-07-27
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: Experian Information Solutions Inc. (TN)

My identity was lost and/ or stolen awhile ago but I did not forsee these damages being done inwhich has compromised my credit file. All the accounts in question are unknown and unauthorized. I'm now demanding that these accounts be removed and blocked from my credit file., as following .... 

1 ) XX/XX/XXXX2 ) Missouri Div XX/XX/XXXX{$28000.00} 3 ) Missouri Div XX/XX/XXXX{$43000.00} 4 ) TN Dept of Human Svxs cs 5 ) US Dept of Education {$2000.00} 6 ) US Dept of Education {$3600.00} 7 ) Dept of ED/XX/XX/XXXX{$3000.00} 8 ) Dept of ED/ XX/XX/XXXX{$1700.00} 9 ) XX/XX/XXXX{$2000.00} 10 ) XX/XX/XXXX {$670.00} 11 )XX/XX/XXXX {$4000.00}
Consumer complaint received 2022-06-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX XXXX XXXX  on XX/XX/XXXX my daughter purchased a car from XXXX of XXXX in SC. We filled out the application as my daughter being the owner and myself as the co-signer. The ran our credit and she paid her down payment of {$2500.00}. The next day she went to pick up the vehicle and XXXX sales man talked her into purchasing a warranty. Well the contract changed from daughter as the owner to the co-signer and put my name as the owner ( first red flag ). My daughter total the car on XXXX XXXX but the insurance company couldnt payoff the vehicle. Because XXXX of XXXX didnt have the title to the vehicle. Finally in XX/XX/XXXX XXXX of XXXX gave the insurance company the title but not after going o the DMV and lying about us purchasing the vehicle in XXXX to get the taxes paid on the car. Once XXXX XXXX XXXX XXXX got the check we asked about the warranty refund. It took them until XX/XX/XXXX to apply the amount to our account but it wasnt the full warranty amount. Then XXXX XXXX XXXX XXXX  charged off the account to handle the scandal. I contacted the company and spoke with XXXX that called the warranty on three-way. The company advised us that the warranty was voided by XXXX of XXXX and to contact them directly. So XXXX called XXXX of XXXX on three-way call and spoke with XXXX who XXXX that a representative from XXXX XXXX XXXX XXXX advised her to send the warranty refund minus the amount they owed the company from another consumer auto deal. And she thought it was okay to cheat me out of my full refund amount.
Consumer complaint received 2018-05-01
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. (FL)

Transunion credit report result on XXXX XXXX XXXX2018 I am requesting a method of verification for XXXX XXXX XXXX. so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate this dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To Whom It May Concern : I noticed in my consumer report there is a charge off reporting to my credit report by the three major credit reporting agencies. The charge off is reporting and its illegal according to the IRS cancelled debt rules. IRS cancelled debt is income. I attached a screenshot of the IRS cancelled debt general rules.

Section 1681 of the Fair Credit Reporting Act ( FCRA ) actually pertains to the responsibilities of consumer reporting agencies regarding the accuracy of consumer reports. Under this law, it is illegal for consumer reporting agencies to include charge-offs, on a consumer 's credit report. Charge-offs are considered cancelled debt and according to the IRS cancelled debt is considered income, income can not be reported in a consumer report. The document attached is a screenshot of the IRS cancelled debt general rules. Any attempt to report charge-offs on a consumer report in violation of the FCRA 's guidelines outlined in section USC 1681 is considered illegal. Compliance with the FCRA is crucial to protecting consumers ' rights and ensuring the accuracy of their credit information. 

I hereby assert that the three major consumer reporting agencies have violated the Fair Credit Reporting Act ( FCRA ) by including inaccurate and defamatory information on my credit report, specifically regarding charge-offs, and collections. This action has resulted in significant financial harm and emotional distress. As such, I intend to seek litigation against these consumer reporting agencies to pursue damages and ensure accountability for their actions.

I am formally requesting that the three consumer reporting agencies promptly delete the inaccurate and defamatory accounts from my credit report according to the IRS Cancelled Debt rules. These erroneous entries, particularly regarding charge-offs, and collections are in violation of the Fair Credit Reporting Act ( FCRA ) and the USC 1681 theses errors has caused considerable financial harm and emotional distress. I expect immediate action to rectify this situation and restore the accuracy of my credit report. Failure to comply may result in further legal action. 


ACCOUNTS : XXXX XXXX I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NY)

I applied for a XXXX credit card inXX/XX/XXXX When I applied the promotional offer included 1 free anniversary night at ANY hotel of theirs. In XX/XX/XXXX I received a letter that they changed the promotion and it is 1 free anniversary night in a hotel up to 40,000 points. BUT if you apply for a new card fromXX/XX/XXXX to XX/XX/XXXX then you will get the old promotional offer of 1 anniversary night at ANY hotel of theirs.

I called Chase and they told me it was an XXXX issue. I called XXXX and spoke to three representatives, 2 of them managers from XXXX. They stated that the small print in the application said they can change the terms. So I explained that it seemed unethical to change the terms for people who applied for the card fromXX/XX/XXXX- XX/XX/XXXX and then change it back for people who applied XX/XX/XXXX- XX/XX/XXXXjust so they can encourage people to sign up to the card. I told them that if the promotion was changed for me then it should be for everyone and why was I being penalized for applying for the card a little more than 2 months earlier and spending money on it? Both supervisors were rude ( XX/XX/XXXX ) and one spent half an hour telling me that its the same promotion since we both get a free night.

I stated several times that it seems very unethical and a fraudulent practice or at the very least dishonest to exclude JUST the customers from XX/XX/XXXXto XX/XX/XXXXwho applied for the card in good faith that XXXX   would honor their promotional offers.
Consumer complaint received 2020-07-27
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. (TN)

My identity was lost and/ or stolen awhile ago but I did not forsee these damages being done inwhich has compromised my credit file. All the accounts in question are unknown and unauthorized. I'm now demanding that these accounts be removed and blocked from my credit file., as following .... 

1 ) XXXX 2 ) XXXX  XXXX XXXX XXXX  {$28000.00} 3 ) XXXX XXXX XXXX XXXX {$43000.00} 4 ) XXXX XXXX XXXX XXXX XXXX XXXX 5 ) US Dept of Education {$2000.00} 6 ) US Dept of Education {$3600.00} 7 ) Dept of ED/XXXX  {$3000.00} 8 ) Dept of ED/ XXXX {$1700.00} 9 ) XXXX   {$2000.00} 10 ) XXXX XXXX XXXX XXXX {$670.00} 11 ) XXXX XXXX XXXX {$4000.00}
Consumer complaint received 2020-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NV)

Synchrony Bank fails to honor its policies regarding disputed transactions. In later XXXX, I bought airline tickets with my Synchrony Mastercard ( around $ XXXX XXXX for a international trip on XX/XX/XXXX. In mid-XXXX the air carrier notified me that the flight was cancelled and failed to issue a refund in a timely manner. Thus, I was forced to file a dispute with Synchrony. Upon filing, I was informed of the policies which stated that Synchrony would investigate the dispute in up to 60 days. Throughout this period, I called numerous accounting managers to get updates, and documented these exchanges. Having been through this situation before with another credit card issuer, I asked for procedures in the event that the merchant does not respond to Synchrony within 60 days. I was told that if that is the case, then Synchrony would issue a temporary credit and allow the merchant another 30 days to respond. If the merchant failed to do so, the case would be considered closed. I filed on XX/XX/XXXX. As the XX/XX/XXXX deadline got near, I was told to rest assure that the case would be resolved in the 60 days. Well XX/XX/XXXX came and went and I still have not received an update. Moreover, the communication with the Synchrony dispute team has been minimal, at best. With other credit card issuers, such as XXXX and XXXX, their dispute team followed up with me periodically to provide updates. Despite providing numerous documents, Synchrony has neglected to reach out to me. Since their dispute involves a air carrier cancelling the flight and failing to issue the refund, the resolution is clear. As per a pair of Department of Transportation ( DOT ) memos, air carriers are mandated to provide refunds to customer. Since the services were not rendered, it is up to Synchrony to provide me with a refund in a timely manner. I have provided Synchrony 's dispute team with a plethora of evidence, documents and letters outlining the reasoning for my dispute. Unfortunately, Synchrony is not living up to its own dispute procedures. I expect Synchrony to respond with a revision of their dispute terms. The reason for this is every time I catch one of their account manager in a lie, they pause and then note that the previous account manager who provided me with a specific piece of information was in the wrong and they are in the right.
Consumer complaint received 2018-05-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (FL)

I HAVE NO KNOWLEDGE OF THIS LOAN. UNABLE TO RECEIVE VERIFICATION -- - PROOF THAT THIS LOAN IS MINE I MADE SEVERAL REQUEST FOR DOCUMENTATION SOMETHING ANYTHING THAT PROVES THIS IS MY LOAN AND NOTHING HAPPENS, ON THE TELEPHONE THEY LAUGH AT ME AND HANG UP WHEN I WROTE LETTERS I GET NOT REPLY. 
IF THIS IS MY AUTO LOAN THEN I WOULD HAVE SIGNED SOMETHING.WHEN THIS LOAN WAS MADE I HAD NO DRIVER LICENSE. HOW CAN THIS BE I DONT KNOW WHAT TO DO ANYMORE IM TRYNG TO GET STUDENT LOAN TO GO BACK TO COLLEGE AND BEING DENIED STUDENT LOAN BECAUSE OF THIS FRAUD LOAN.
Consumer complaint received 2022-06-16
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. (IL)

XXXX accordance with the Fair Credit Reporting act 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose a collections account from 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 2021-09-20
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. (TX)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (NY)

I previously filed a complaint on XXXX by XXXX  due to a denied loan. I was told the reason was due to too many inquires, which was strange because I hadnt applied for anything. I was told to contact Sagestream LLC, a company Ive never heard off. Ive tried to call to no avail. Ive submitted all requested information to Sagestream in order to receive a copy of my credit report and have not received a response.