davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

On XX/XX/2021 I entered into a consumer credit transaction with XXXX XXXX XXXX XXXX XXXX A consumer credit transaction in which a finance charge was involved. Pursuant to 15 USC 1605, a finance charge is the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but they took my cash anyway. The finance charge is suppose to include insurance but I was made to purchase that separately along with the service warranty and other premiums allotted to me by my Federally Protected Consumer Rights.
Consumer complaint received 2019-10-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (CA)

They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it and verification of my identity before entering into a contract ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply.
Consumer complaint received 2018-06-03
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. (MO)

I have disputed the following fraudulent inquiries on my report a few times before in accordance with FCRA, all to no prevail. It is written within FCRA law that if such companies can not present physical documentation then the disputed items shall be forever removed. I have disputed the following and no one presented any physical verification but yet the 3 major credit bureaus still reported as being true. But still no physical evidence inwhich is in direct opposition of the law stated in FCRA. The following disputed inquiries are XXXX  (XX/XX/XXXX18 ), XXXX XXXX (XX/XX/XXXX-18 ), XXXX XXXX ( XX/XX/XXXX18 ), XXXX   XXXX  ( XX/XX/XXXX18 ), XXXX XXXX ( XX/XX/XXXX-18 ), XXXX ( XX/XX/XXXX18 ), XXXX XXXX XX/XX/XXXX-18 ), XXXX XXXX, XXXX (XX/XX/XXXX-18 ), XXXX XXXX XXXX XXXX  (XX/XX/XXXX18 ), XXXX XXXX ( XX/XX/XXXX-18 ), XXXX XXXX ( XX/XX/XXXX-18 ), and XXXX XXXX XXXX XXXX ( XX/XX/XXXX18 )
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account number:XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-05-27
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX has been paid in full going on two years now. It shows collections on my credit report. I have contacted the lawyer for XXXX and all credit report agencies and they are not showing it as paid in full. 

XXXX I am making payments of {$50.00} a month and have for quite some time now. The lawyer nor all credit reporting companies are updating this on my report that payments are being made on a monthly basis. 

XXXX XXXX XXXX : I do not recognize this company. I reached out to them about two years ago and they said this was not mine. No credit reporting agency will delete it. They said their investigation shows its mine. No proof has been forthcoming and I do not recognize this company.
Consumer complaint received 2018-11-12
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. (GA)

I was writing to inform you that there are still items are my credit report that are not mine. Please have these items removed from my credit report immediately as they are not mine. I have already contacted my local police and the FTC. Bankruptcy : Discharged CH-XXXX, XXXX,. XXXX XXXX.
Consumer complaint received 2018-06-01
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: EQUIFAX, INC. (AZ)

A medical collections company reported a debt incurred by my ex-wife for medical care. I am not liable for the debt, but because my ex-wife supplied the collections company with my prior address and SSN, they reported me to the credit reporting agencies. I was never notified of the underlying collection efforts because the collections company never called me and only used a very old address to attempt to communicate with me by mail. Therefore, only when I saw the {$110.00} attempted collection amount on my credit report in XX/XX/XXXX was I alerted to their collection attempts. I never had the opportunity to dispute the debt before they reported it to collection agencies. 

I disputed the incident with XXXX, XXXX, and Equifax in XX/XX/XXXX. XXXX and Equifax quickly resolved the dispute in my favor and removed the entry from my credit report. Equifax took much longer to conduct an investigation and then its website repeatedly failed over many different days, preventing me from seeing my results. Finally, I called Equifax and received the results of their investigation over the phone. They indicated that because the collection company was able to validate my SSN and address, that Equifax deemed the debt valid. Equifax did not give me the opportunity to explain why the debt was not valid.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

Upon reviewing my most recent consumer report, I noticed the presence of a bankruptcy entry that should not be included. Through my recent study of laws, I have become aware that the inclusion of this bankruptcy violates 15 U.S Code 1681 a ( 4 ) - Consumer Right to Privacy. It is my right as a consumer to have control over the release of my personal information, and your unauthorized disclosure is unacceptable.

I want to emphasize that I am a victim of identity theft, and the inclusion of this inaccurate bankruptcy entry further compounds the damages caused by the fraudulent activity. It is important for you to understand that there are legal consequences, both criminal and civil, for such actions. 

Thank you for your immediate attention to this serious issue.
Consumer complaint received 2020-09-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caneel Capital, LLC (CA)

Trinity Financial Services have not made contact with me until XX/XX/XXXX this year. 
The original second was 14 years ago ( XXXX ). I have not received a mortgage statement. My original debt was with a completely different company I show a loan of {$120000.00}. I do not have documentation of Trinity securing my loan. They are currently stating I owe double the amount including a 11.5 % interest rate. I've had no correspondence or knowledge of this company until a couple months ago.
Consumer complaint received 2019-05-27
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: EQUIFAX, INC. (NC)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX.
Consumer complaint received 2020-09-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC (WI)

I called about three weeks from today and inquired about the letter that was sent to me about a settlement offer. In the offer its states that they have a very special offer to resolve your unpaid balance. Also that they are willing to settle my account for 75 % of the balance due as stated above. When I called the young lady told me that they dont settle for 75 % and they can only do it for 25 %. I read the letter to her a few times and from what I was told that was in correct.
Consumer complaint received 2018-09-21
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: MORTGAGE LENDERS OF AMERICA (WA)

I was identified to Mortgage Lenders of America through XXXX. They contacted me and at first they were unable to provide me with a loan option. Per the loan officer, he called me back and stated after some digging he infact found out that I would qualify for a USDA loan. We moved forward and I provided all requested documents promptly. Documents included income pay stubs and bank statement. I paid for multiple inspections and the appraisal. He even stated that I could put notice to move from my rental. We were on target to close. Two days before close he stated that I was denied the loan and was unable to provide me with actual options to fit my needs. He then became very disinterested and vague in responding to my questions directly and timely. It then took him several weeks to send me a denial letter in writing so I could move forward. I had also requested a refund of fees I paid out and he ignored my request. After i reached out to his supervisor. I then received another vague response stating " I dug into this more and unfortunately we can not refund the appraisal amount. '' After speaking with other loan officers about this they tell me in their experience it should have been caught early on and not made it as far as it did.
Consumer complaint received 2022-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I dont know every time I was called scammers or who, because after I approved capital one credit card and also made purchases on the card already, then they frozen my account ask me to send in ID copy and SSN card copy and utility bill statements just for verifying I am the card holder or not, This very songs like scammers but my capital one credit card account is frozen, But anyway I did send in my ID, my tax forms from recent years, and my address utility bill statement, but still not work, the person whos on the phone must ask me to send in my SSN card copy, I just got confused, thats how capital one credit card company let us know how to protect identity by ourself? or thats just the ways making you guys workers easy? who told us dont sending any personal information documents to anyone or email or fax? why dont face it up? As a bank credit union , a public establishment, what can our users trust you?
Consumer complaint received 2019-05-27
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (CO)

Dovenmuehle Mortgage is essentially stealing my home away from me and the {$12000.00} the insurance company paid them to fix my home. My home suffered significant damage when two hail storms destroyed a large portion of my roof in XXXX. The insurance company paid Dovenmuehle, but they never paid my contractor. I had to pay the contractor out of my own pocket, but did not have the enough money to pay him to finish the work. I was forced to stop making my mortgage payments in XXXX of last year and use the payments to pay the contractor for the damage, while I fought with Dovenmuehle to release the funds the insurance company paid them. Dovenmuehle advised that they will hold onto the money until the damage is repaired, but this is unfair. The contractor is refusing to continue working without pay and my home is sustaining significant water damage and mold issues. Since the time that I fell behind on my mortgage, Dovenmuehle has failed to provide me with any sort of retention option on my home. They have wrongly set a foreclosure sale date on my home for XX/XX/XXXX and they have failed to give me the opportunity to save my home. They have not allowed me to work through any sort of home retention options and are refusing to give me insurance money that I am rightfully entitled to receiving. I have filled out FIVE COMPLETE  mortgage assistance packages and have never had a full review for mortgage retention options. I am requesting that someone within your agency reach out to Dovenmuehle Mortgage and get the sale of my home stopped and my mortgage payments back on track. I am a veteran and want to spend the rest of my life in my home, but will be kicked into the streets if I do not get help.
Consumer complaint received 2019-05-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BMO Bank, N.A. (IL)

We were a long time business customer with BMO Harris in XXXX. Our account was repeatedly compromised. Starting XX/XX/XXXX, small telephone transfers began to happen. We reported this. However, the transfers began to mirror our own ACH payments such as XXXX, XXXX, XXXX XXXX, etc. We assumed that these payments were ours. When we realized they were not, we contacted the bank and found that an unknown person had been given permission to make telephone transfers. These transfers totaled {$14000.00}. BMO told us that our only option was to close our account and there were no other remedies. Their fraud division is not contactable and does not respond to calls or emails. We were told by our local branch to close our account. We had the expectation that BMO had fraud measures in place, however, it seems probable that the person that committed this fraud actually works for the bank. After forty years in business, working with BMO has been the worst experience we have ever had.
Consumer complaint received 2019-05-27
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Company TransUnion Submitted on XX/XX/2019 File number XXXX This is like the 5th time i told them this is not me. I have never lived in Indiana and never will. This is my son 's account. Our names are spelled different. I live in Arkansas and have for 20 years. 
The account is with XXXX XXXX XXXX and the balance is {$830.00} as of XX/XX/2019. 
I guess nobody can figure this out at TransUnion because I have complained for over 5 years or maybe they are unable to read english. 
Thank You for your help
Consumer complaint received 2019-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

they are reporting a fraudulent account that doesn't belong to me on my credit file. XXXX XXXX XXXX confirmed this and i sent them as well as them documentation to remove this negative and incorrect account from my credit files. it was removed from some but not all of them i see now. XXXX  XXXX XXXX account is not mine and should be fully removed.
Consumer complaint received 2023-08-19
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)

To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX ACCT # XXXXXXXX XXXX ACCT XXXX XXXXXXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) 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. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deleted late payments to the referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Consumer complaint received 2018-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK (TX)

I Received my credit report showing a inquiry from XXXX XXXX XXXX from XX/XX/18 showing I applied for a credit card. 3 years ago, I was a victim of identity theft where my ID AND SOCIAL SECURITY CARD were stolen. I did not apply for any credit cards and this Inquiry remark on my credit is causing many issues for me applying for a home which is affecting my score. The Inquiry is inaccurate, misleading, or incomplete, may have violated federal law.. I do not know how this company receive my info.
Consumer complaint received 2019-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (AL)

Regions bank frozen my bank account for no valid reason. They not giving me any reason even when i visited the branch. I have funds in my bank account and most of my payments got returned. I am suffering damaged and returned payment fees because they froze my account. I started new job and deposited my first check since then my account is frozen and i cant have access to my funds. Its illegal to hold my funds for no reason. I have never committed fraud neither my balance ever became negative. 

My account is frozen from XX/XX/2019. 
I am asking CFBB TO help me because i am unable to reach anyone help me with this awful scam bank. If i dont get my funds i am going to the court. 

I am 5 years customer at the regions bank. I will never do business with them. I have suffered alot to cover up the returned payments.
Consumer complaint received 2019-05-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GATEWAY FIRST BANK (OK)

Around XX/XX/XXXX I approached XXXX XXXX  XXXX to gain an understanding of my Mortgage loan options as I've never tried to purchase a home before. I was assisted by XXXX XXXX who checked my credit and said she'd have to think about what my best options would be but that if I could send her paperwork such as my XXXX, check stubs, etc. that it would help. I did as was asked and that was the last time I heard from her or the company. My emails and voicemails were met with no reply and I was left with my credit lowered and my time wasted. I'm simply incredibly disappointed and got a loan elsewhere.