davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-27
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. (GA)

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2022-01-27
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: WELLS FARGO & COMPANY (PA)

YOU BROKE THE LAW!! 


To whom this may concern, I XXXX XXXX Attempted to do business with your agency unfortunately your agency was not able to accept doing business with me because of them violating my consumer rights! Due to insufficient credit history as well as lack of funds to make a down payment as you are well aware youve broke the law & discriminated against me due to the reports you pulled from third party agencies Let me explain to you.. 15 usc 1681 ( a ) ( c ) ( i ) following 15 usc 1681 ( 2 ) ( b ) Youve committed FRAUD following 15 usc 1692 ( a ) ( i ) Pursuant to 1681 ( g ) ( h ) Disclosure to consumers, following 15 usc 1681 ( m ) Duties of users taking ADVERSE ACTION Following 15 usc 1611 Criminal liability 15 usc 1681 ( a ) ( 8 ) Authorization or Approval of a specific Extension of Credit directly or indirectly by the issuer of a credit or similar device should be excluded from a consumer report, When you ran my credit there was a finance charge involved and which ever agency in charge got paid but i was still denied & still with out a vehicle so with me explaining how you have violated me as a federal protected consumer! As my right Following 15 usc 1635 I wish to rescind on any & all contracts! 

I DEMAND YOU TAKE ACCOUNTABILITY FOR YOUR ACTIONS!
Consumer complaint received 2021-04-19
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: HUNTINGTON NATIONAL BANK, THE (MI)

In XXXX, I cosigned a recreational vehicle loan with my then-husband. In our divorce decree a year later, my ex-husband was held accountable for the loan and I was to be held indemnified in the case of default. 
All payments were made on time to the loan. 
In XX/XX/XXXX, I received a credit monitoring notification that the RV had been repossessed due to unpaid storage fees from a reseller lot. All payments to the RV loan were still being made on time. Despite my legal indemnity, I immediately made arrangements to pay the outstanding fees and reclaim the RV. 
In violation of the XXXX code, Huntington never sent me written notification that the vehicle had been seized. They never sent me notification of how I could reclaim it. They did not abide by the 15 day redemption period set forth by the XXXX. The vehicle was sent within 6 days to be auctioned. Had I not gotten a notification from my credit monitoring service, the vehicle could not have been redeemed and the bank would have taken a loss. 
Also in violation of the XXXX, the vehicle was stripped of personal items such as unattached electronics, propane tanks, the license plate and the keys. By law, I should have been notified in writing of the personal items contained in the vehicle and given an opportunity to retrieve these items. They never provided this notification and the items were never returned. 

Additionally, the reporting to the credit reporting agencies is inaccurate. The date listed for the repossession/voluntary surrender, according to my credit report, is XX/XX/XXXX. According to the account payment history, as shown on the Huntington online account, the repossession occurred on XX/XX/XXXX. 

I insist that this account be removed in entirety from my credit reports as it is, in numerous ways, false and misleading and Huntington violated the Michigan XXXX by sidestepping the notification process that could have prevented the whole repossession to begin with.
Consumer complaint received 2021-05-14
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: EQUIFAX, INC. (NY)

Equifax is not updating my XXXX card. Equifax is not updating my credit profile. Why is XXXX stating current and good standing and XXXX balaalsnce but equifax is not. XXXX they all have the same accounts. All.the credit bureaus should be on the same page.
Consumer complaint received 2021-05-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2021 I became the victim of wire fraud. 2 wire transfers 1 ) from XXXX XXXX for {$10000.00} and 1 ) Chase Bank for {$2700.00}. Luckily the receiving bank XXXX XXXX had placed a hold on this particular account due to fraudulent activities. On XX/XX/2021 I was able to recall {$10000.00} from XXXX XXXX but unable to get Chase bank to cooperate and or initiate a Indemnity/hold Harmless letter requested by XXXX XXXX for the recall. I have spent countless of hours via phone calls, secured messages, XXXX Branch visits and not one single person has any knowledge of a hold/harmless letter. XXXX XXXX informed me this morning that I have until XX/XX/2021 to submit this letter or I will lose my funds. Please be advised ... it took XXXX XXXX XXXX 20 minutes to provide me with the XXXXndemnity hold/harmless letter. I have been trying since XX/XX/2021 to obtain said letter to no avail.
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

They need to report my current student loan in its proper status. It has been placed on forebearance while I'm in Borrower Defense. I'm fairly certain that the servicer has sent them the information but they ignored it. Why I don't know. See attached and update the account appropriately.If I have to ask again, then a law suit will be filed. The account has been in forebearance for several years while a law suit in CA is being settled. Report it correctly or be sued.
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (KY)

Title 31u.s.c.sec,3123 all XXXX are INITED STATES obligations.. 
XXXX THER IS NO RESON I SHOULD BE LATE OR MISSED PAYMENTS THERE IS NO REASON THERE SHOULD BE ANY COMPANY THAT IS REPORTING MY PERSONAL INFORMATION OR SHEARING MY INFORMATION OR SALING IT FOR ANY REASON I WANT EVERYTHING ON MY REPORT TO BE REMOVED AS IT IS NOT LAWFUL FOR ANY OF IT TO BE THERE I WILL BE FILING CHARGES ON ANYTHING THAT ISNT REMOVED..I WANT TO FILE FOR IDENTITY THEFT AND THIS SITE SUCKS FOR DOING SO AND I ASK THAT IT BE FIXED IMMEDIATELY SOMEONE HAS MY INFO AND I WANT TO LOCK MY SS # ASAP
Consumer complaint received 2022-01-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FirstPoint Collection Resources (FL)

I am, XXXX XXXX, submitting this complaint myself and there is no third party involved. 
I, XXXX XXXX, consumer, a natural living person and original creditor was sent a letter from FIRSTPOINT COLLECTION RESOURCES INC, to pay a alleged debt of {$110.00} ( Exhibit A ) which according to the FAIR DEBT COLLECTION PRACTICES ( FDCP ) is a violation of 15 usc 1692f ( I ) & 12 CFR 10006.18 ( 2 ) ( i ). FIRSTPOINT COLLECTION RESOURCES INC is now civilly liable to pay for damages.
Consumer complaint received 2022-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Resurgent Capital Services L.P. (IL)

these are not my accounts and I would like them removed asap as I have already did several disputes with XXXX. 




Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving account Balance on XX/XX/XXXX Credit Limit {$28000.00} Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving account  Balance on XX/XX/XXXX Credit Limit {$30000.00} XXXX Collection opened XX/XX/XXXX Account type Open account Paid off : 0 % Balance on XX/XX/XXXX Original balance {$23000.00}
Consumer complaint received 2021-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST NATIONAL BANK OF OMAHA (KS)

I enrolled myself into XXXX credit card and my account got transferred to FNBO Bank which I wasn't aware of. I was then bugged by FNBO bank on late payments. 

My XXXX credit card was on auto-pay and I initially used to double-check to make sure my payments were going through. My bills were always paid on time by the auto-pay service and when the account transfer happened without my knowledge or my approval I started receiving emails from FNBO bank. I assumed those emails were spam like all other pre-approved credit card emails I get. I got emails about late payments and I thought that was a scam email trying to steal my money. 

I decided to call and check if they were legit and I realized that they used my XXXX credit card info and created an account with their bank and charged me a late fee. The charge was for XXXX $ so I did not feel like wasting my time trying to fight it. They did not transfer my auto-pay information nor charge my bank. They probably decided to make money out of the late fee I guess. I also asked them to close my account with FNBO as it was something I never signed up for. I was pretty much tricked into opening up an account with them. 

The only credit account that was indirectly opened with them was my XXXX credit card and if that would no longer work with the benefits that were advertised I did not see a point in banking with some sketchy bank After all the mess that they have put me through the bank reports that I was late on payments. With the bank trying to get customers to use their cards and trying to scam me I called them to dispute that and they hang up on me. After few more hours of wasting my time, they tell me that I would have to contact all three consumer reporting services and dispute the report. 

How exactly is this legal and how do they expect me to assume that they aren't scammers? If they had all other information about me why did they not have my bank info and why wasn't I enrolled in autopay? Why was I never informed about the change in cards and why was I not asked if I would be fine to switch my account to FNBO bank and lose my XXXX benefits? 

This is literally a stunt to get free customers because that bank is probably running out of business. Why should I be going through all this for a XXXX $ charge that they put on an account that I'm unaware of? 

I'm so mad at them for wasting my time and not doing anything about this. Now I have a card on my report that I never wanted and also a late payment report that would ruin my credit score. I never missed a single payment on any of my other cards and why would I not pay XXXX $ If their people were legit and told me what that was for. Worst part is I still don't know my bank account number at this FNBO bank. 

What are my options here? Doesn't the law protect customers from being scammed? My information was misused here.
Consumer complaint received 2022-10-24
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)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 SECTION 602 A. STATES I HAVE A 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 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and Equifax has submitted a debt on my credit without my consent, according to XXXX XXXX Code subsection XXXX, that credit agencies have to give 30 days notice prior to reporting on my credit file. On top of reporting information incorrectly, this debt was not opened in XXXX, this debt it outside the statue of limitations according to California XXXX, this credit transaction is 100 % false and incorrect and should be removed from my credit file with the credit agencies. This was originally opened with XXXX in XXXX and last date of activity was XX/XX/XXXX. Accordance to the Fair Credit Reporting Act it requires credit reporting agencies and furnishers to follow reasonable procedures to ensure the accuracy and integrity of the information they have reported. The Fair and Accurate Credit Transactions Act ( XXXX ) which amended the FCRA and added new provisions to prevent identity theft, enhance consumer access to credit information, and improve the accuracy of credit reports. Because of the XXXX XXXX, I am requesting the CFPB to enforce these laws and rules to have this account removed from every report. This has negatively affected my ability to do business, caused stress and placed me under duress with them destroying my credit worthiness, thus making it difficult to obtain further credit and operate in commerce as my constitutional right and liberty.
Consumer complaint received 2022-01-27
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. (PA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bristlecone, Inc. (CT)

I call the companies in XXXX, XXXX and etc each time they said they would stop the calls but I'm still receiving calls.in XXXX of XXXX I told them don't call back.
Consumer complaint received 2022-04-11
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. (TX)

The credit bureaus XXXX, Experian and XXXX are reporting inaccurate information in my credit file because they are reporting a account/ debt in my credit file that is not mine. The debt/ account is under the name XXXX XXXX XXXX XXXX This debt/ account does not belong to me. I have disputed this alleged debt/ in my credit file with XXXX , Experian and XXXX . It was not resolved and deleted from my credit file. The response to me was updated or verified. I did not know how this could be possible when the account is not mine. However, I asked XXXX, Experian and XXXX to provide me with debt validation document evidence but they never honored my request. They refused to delete this alleged fraudulent account from my file. They are lawfully bound to report accurate information. This debt they are reporting is not ( XXXX to XXXX ) not e-Oscar valid or verified. The date they have for this account shows opened XX/XX/2019. I have attached documents to prove that this account/ debt does not belong to me.
Consumer complaint received 2024-03-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC. (IL)

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICE I HAVE FRAUDELANT ACCOUNTS ON MY REPORT, PLEASE REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital one has consistently failed to resolve my dispute of receiving a wrong item. The bank has requested me to submitted unreasonable request of the wrong item I received a month ago. I have disposed the item as it was not something I ordered, but the bank failed to consider my dispute because I didnt provide a picture of a food
Consumer complaint received 2022-04-11
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. (TX)

The credit bureaus XXXX, XXXX and TransUnion are reporting inaccurate information in my credit file because they are reporting a account/ debt in my credit file that is not mine. The debt/ account is under the name XXXX XXXX XXXX XXXX This debt/ account does not belong to me. I have disputed this alleged debt/ in my credit file with XXXX XXXX XXXX and TransUnion XXXX It was not resolved and deleted from my credit file. The response to me was updated or verified. I did not know how this could be possible when the account is not mine. However, I asked XXXX, XXXX and TransUnion to provide me with debt validation document evidence but they never honored my request. They refused to delete this alleged fraudulent account from my file. They are lawfully bound to report accurate information. This debt they are reporting is not ( XXXX to XXXX ) not e-Oscar valid or verified. The date they have for this account shows opened XX/XX/2019. I have attached documents to prove that this account/ debt does not belong to me.
Consumer complaint received 2021-05-17
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. (PA)

Under 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) in GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I, XXXX XXXX never gave EQUIFAX any written consent to report anything on my consumer report, No consent is identity Theft.
Consumer complaint received 2022-04-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 78 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2021-05-17
Product: Credit reporting, credit repair services, 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)

Equifax have two credit reports on me. Equifax refused to merge the two credit reports. 
I have requested credit from a Creditor I was denial because of the two different reports. 
They decision which on of my Credit Report to send out. This have created two different FICO scores. This is FRAUD!
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I currently ran my XXXX credit reports XX/XX/year> and noticed someone has been using my information. I am devistated to find out i have unauthorized inquiries and accounts that do not belong to me, As i now become more aware of the importancy of credit I need someone to please help me resolve this problem Please see attached files. 

COLLECTIONS- 15 us code 1692j - furnishing certain forms - It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. - Please delete. 


I saw the adresses linked to those accounts and I have never lived there.