davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-15
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. (IL)

I XXXX XXXX am acting on my own behalf In accordance with the Fair Credit Reporting Act, 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. I have contacted XXXX, Equifax, and XXXX about inaccurate/fraudulent inquires on my credit report by mail and phone multiple times and to no avail. They have continued to ignore my request for immediate removal of the inaccurate information and have not investigated nor provide me with proof bearing my signature of inquiries on my report that I did not authorize. I'm asking to please delete these inquires as they are affecting my odds for approval of credit moving forward.
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 — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I do not have balances on none of my accounts, nor am I delinquent on such accounts. I have written letters to them and the credit bureaus with no resolution. 

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. 

- [ x ] XXXX Account # XXXX, has violated my rights. 
- [ x ] XXXX XXXXXXXX Account # XXXX, has violated my rights. 
- [ x ] XXXX XXXX  Account # XXXX, has violated my rights. 
- [ x ] XXXX Account # XXXX, has violated my rights. 
- [ x ] XXXX Account # XXXX, has violated my rights. 
- [ x ] XXXX XXXX XXXX Account # XXXX, has violated my rights. 
- [ x ] XXXX XXXX Account # XXXX, has violated my rights. 
- [ x ] XXXX Account # XXXX, has violated my rights. 
- [ x ] XXXXXXXX XXXX Account # XXXX, has violated my rights. 
- [ x ] XXXXXXXX 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 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 2019-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I supplied all the necessary documentation to capital one proving the vet killed my puppy. They refuse to credit back these charges and I refuse to pay for them. I have tried settling the account and they are rude and obnoxious. They continue to charge interest, late fees and reporting my account as written off but still shows a balance.
Consumer complaint received 2023-12-28
Product: Credit reporting 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)

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 The following personal information is incorrect
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 — Account information incorrect
Company: EQUIFAX, INC. (CA)

I do not have balances on none of my accounts, nor am I delinquent on such accounts. I have written letters to them and the credit bureaus with no resolution. 

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. 

- [ x ] XXXX Account # XXXX, has violated my rights. 
- [ x XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 
- [ x ] XXXX XXXX  Account # XXXX, has violated my rights. 
- [ x ] XXXXXXXX Account # XXXX, has violated my rights. 
- [ x ] XXXX Account # XXXX, has violated my rights. 
- [ x XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
- [ x ] XXXX XXXX Account # XXXX, has violated my rights. 
- [ x ] XXXX  Account # XXXX, has violated my rights. 
- [ x ] XXXXXXXX XXXX Account # XXXX, has violated my rights. 
- [ x ] 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 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 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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX, Account # XXXX has violated my rights. 15 US 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 an account without my written instructions.
Consumer complaint received 2022-07-07
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. (TN)

On XX/XX/2022, I mailed a letter to each of the credit bureaus asking for verification on items that are reported differently for each of the XXXX bureaus. On XX/XX/2022, I mailed a letter to each of the credit bureaus asking that they provide a number of details about each item that was challenged. No response has been received and the items that I requested proof of validation on have not been confirmed. 

I am kindly asking for help with resolving this matter as it has been much longer than the 45 days and I still have not received a response. 

In accordance with the Fair Credit Reporting Act, the following XXXX Accounts have violated my rights : Account Name XXXX XXXX XXXX - Account # XXXX Account Name XXXX XXXX  - Account # XXXX Account Name XXXX - Account # XXXX Account Name XXXX - Account # XXXX Account Name XXXX - Account # XXXX Account Name XXXX XXXX - Account # XXXX *** Account Name XXXX XXXX XXXX - Account # XXXX 15 U.S.C 1681 section 602A. It states that I have the right to privacy. 

15 U.S.C. 1681 section 604A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Accounts : -XXXX XXXX XXXX XXXX # XXXX -XXXX XXXX XXXXXXXX XXXX XXXX XXXX -XXXX XXXX Account # XXXX -XXXX XXXX XXXXXXXX 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 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)

In accordance with the Fair Credit Reporting act XXXX  Accounts : -XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX -XXXX XXXX XXXXXXXX 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 2023-09-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

It was a fraud in my business checking account I notified the bank on XX/XX/2023 was {$63.00} in two business days they reverse amount of {$14.00} first they told me its gon na take 60 days for investigation after 60 days they told me its gon na take 90 days now its five months its still under investigation Im still missing amount of {$49.00} and its been over five months every time I contact them theyre telling me its on the investigation this is the claim number XXXX and this is the phone number I called ( XXXX ) XXXX its Bank of America bank
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. (FL)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Consumer complaint received 2019-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XX/XX/XXXX 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, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2019-11-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Lending Club Corp (NC)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that LENDING CLUB has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-11-04
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. (FL)

I have just reviewed my credit report and have realized that there are some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of these accounts and have no idea who would have access to my credit. Unfortunately, due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have these derogatory accounts removed from my credit file.
Consumer complaint received 2019-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: I.C. System, Inc. (FL)

This company is reporting erroneous information on my credit report and negatively affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my civil rights according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.
Consumer complaint received 2019-11-04
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: EQUIFAX, INC. (IL)

After sending information to verify myself with my disputes ( XX/XX/2019 ), Equifax has failed to respond to my latest dispute. They have violated the FCRA, it has been more than 30-days. Please see the items below. 

ACCOUNTS XXXX XXXX XXXX  XXXX never late DEPT OF ED/XXXX   XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX   XXXX not mine DEPT OF ED/XXXX  XXXX not mine DEPT OF ED/XXXX   XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX   XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX   XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX   XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX   XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX   XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX   XXXX not mine DEPT OF ED/XXXX XXXX never late XXXX XXXX XXXX  XXXX XXXX not mine XXXX XXXX XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU 3XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine COLLECTIONS XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine
Consumer complaint received 2022-12-02
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. XXXX pledging us as collateral to back government debt. 
XXXX XXXX XXXXXXXX the government has obligation to discharge and settle debt we may incur
Consumer complaint received 2023-11-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC (GA)

I have been trying to contact Lakeview Loancare for a week now. The phones are down and the website hasnt been working. I cant check my account or even make a mortgage payment for this reason. No sort of contact has been made with lakeview. Ive read discussion boards and other customers are having the same problems I am having and its ridiculous. Im blind on amounts and transactions within my mortgage
Consumer complaint received 2022-07-07
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (TX)

I purchased a giftcard balance on my amazon.com account using my amazon.com store card, which is through Synchrony Bank. This is a credit card that can only be used at amazon.com. The amount of the giftcard balance purchased to be added to my amazon.com balance was {$800.00}. XXXX closed my account, thus delivering the funds to an account that I can not access. Therefore, XXXX has committed fraud by charging me for something that was not delivered in a way that I can usefully use it.
Consumer complaint received 2019-08-03
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. (GA)

I recently went to check out a new car at XXXX after careful consideration I decided to apply for a loan for the car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate which prompted me to check my credit report. After doing so I noticed a couple of items on my report that are not mine. I have reached out to the FTC  and to my local police department. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am doing all of this on my own.
Consumer complaint received 2019-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: HOVG, LLC (FL)

This company is reporting erroneous information on my credit report and negatively affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my civil rights according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.
Consumer complaint received 2019-08-03
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. (GA)

I made my payments on time the credit card company applied the payments to an old closed account, after contacting them they fixed the problem and applied all payments and waived the late fees, but they still reported as late to the credit reporting agencies I tried to dispute with XXXX XXXX  and experian for the wrong information but no response.
Consumer complaint received 2019-11-04
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Before I opened the Savor credit card with Capital One, my husband ( who was also a Savor card holder ) and I specifically asked about whether cruise ship charges would be considered entertainment for Savor card reward purposes, therefore earning 4 % cash reward instead of 1 %. Both agents explicitly and definitely stated that cruise ship charges, including all expenses incurred on cruise ships are categorized as entertainment and would be receiving 4 % rewards. 

As a result of Capital One agents ' response, we put all cruise ship expenses on the Savor card, expecting 4 % reward ( instead of putting these charges on another credit card that give us 3 % rewards for travel ). The transactions included : XX/XX/19 XXXX {$2600.00} XX/XX/19 XXXX XXXX XXXX XXXX {$910.00} XX/XX/19 XXXX XXXX XXXX {$68.00} XX/XX/19 XXXX XXXX   {$3900.00} However, contrary to what Capital One agents told us, we were only credited 1 % cash rewards for these transactions as Capital One claims that these merchants categorize these transactions as travel. Capital One mis-informed us of its reward program categorization and as a result, we did not receive {$220.00} of cash reward that we were informed we would earn with these charges.
Consumer complaint received 2019-11-04
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A. (CO)

My Husband works in XXXX and was out of work due to the snow therefore we fell behind on the mortgage which then we reached out to Flagstar and spoke with an agent. XXXX sent out an application to apply for modification after all documents were sent we were reassured that we would be okay BUT we received a letter months later declining our application. I then reached back out to XXXX and spoke to him regarding the mail which he then stated we can redo BUT at that time we were so far behind and a notice for foreclosure had been sent to the home. 
My Husband and I had placed our family home up for sale after reaching out to a Realtor which he was willing to sale but advised that filling for Chapter XXXX Bankruptcy is also an option. 
My family had told us about a program called XXXX whom can assist which Monday we had reached out to them to learn our options. XXXX had sent over ALL documents needed BUT after 2-3 months they stated they have not received any documents. XXXX representative faxed and emailed documents which also included confirmation BUT in that same email Flagstar replied stating they still have not received documents. 
I went along and filled Chapter XXXX so we wouldn't lose the home because the sale date is XX/XX/XXXX which my Lawyer has been in communication with Flagstar but having a hard time getting anything out of them or complying. 
XXXX and my Lawyer both called me again XX/XX/XXXX asking if I still wanted to move forward which we do and are attempting to contact Flagstar AGAIN but informed me that I am able to make a complaint which i was told to do so months back but i wanted to give them an opportunity which they have failed yet again. At this point everyone is frustrated with Flagstar