davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-06
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX. XXXX, XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions.In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions.In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 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 hand written instructions.
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is XXXX XXXX XXXX XXXX. I am a living man bringing a complaint against your company for the damages caused to me. Your company is reporting an incomplete account to my consumer report. You claim to have verified this information but it is still incomplete and inaccurate on my consumer report. You are reporting an account with an abbreviated name XXXX TRANSUNION is reporting a date last active of XX/XX/22, XXXX is reporting XX/XX/22, and XXXX is reporting XX/XX/22. How can this happen if the consumer reporting agencies claim to maintain maximum accuracy? I have told you about the payment history being incorrect and you still did not fix it. I have never been late on this account. The payment history should be updated to all dates paid as ok.
Consumer complaint received 2019-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC (CO)

I called them the XXXX of XXXX and talked to them about the payment that was past due. They told me as long as I made partial payments that they would not report to my credit. I made {$100.00} on the XXXX, XXXX of XXXX I made {$400.00}, XXXX of XXXX I made a {$1400.00} payment. I made these payments under the direction of them to keep any 30 day lates from being reported. If I would have known that a 30 day late would have been reported I would have made different arrangements to make the payment. I felt that I would be good being directed by the representative on the phone on what was best to do to keep my account in good standing.
Consumer complaint received 2021-09-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

I received a letter from Shellpoint Loan Servicing dated XX/XX/XXXX indicating my lender placed HAZARD insurance will be expiring. I called and spoke to XXXX XXXX from the Shellpoint Loan Servicing 's Insurance department, her email ends with pfic.com so I assume she works for a vendor named proctor loan protector. She indicated they did not have proof of hazard insurance FOR XXXX XXXX XXXX. I emailed her the proof of hazard insurance purchased by the condo association for the past 2 years. The letter I received does not indicate what type of HAZARD insurance that is going to expire. In XXXX of XXXX, lender placed insurance was purchased by the servicer for something called " XXXX '' insurance, covering the inside of the structure, at the rate of {$24.00} annually ( see attachment ). There are 2 types of HAZARD insurance, General hazard covering the structure and XXXX covering the interior. I explained that the letter received does not explain what type of insurance is going to expire yet indicates a cost of {$2200.00}, approximately 92 times the rate one year ago. She insisted the new coverage rate is for XXXX insurance but ignored that she stated they didn't have record of the general hazard insurance until I called. She said the only insurance being placed is for XXXX insurance so the quote is for that type of insurance. I specifically requested they provide a document to explain exactly what type of insurance is being placed/purchased, she refused and stated the letters sent are written by the CFPB. I seriously doubt this. I requested the policy that would be purchased on my behalf as well. Again, she said it would be for XXXX insurance, but will not be providing proof of that. I tried to explain that since there was no evidence of the general hazard insurance in their records ( since I had to provide that while on the phone ) that it could be possible this very inflated rate for XXXX insurance could be a mistake. She refused to accept that and shuffled me off of the call. My complaint is in 2 parts. First, the letter indicating a need for proof of insurance should be clear what type of insurance is being required. Second, the premium for the amount of coverage provided should not go up from {$25.00} to {$2200.00}. I don't have anything in the interior of my home that increased in value here, yet they provide no explanation for the increase.
Consumer complaint received 2019-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK (IN)

I attempted to make a charge on my Discover Card on XX/XX/XXXX for {$19.00}, and it was declined. I switched to another credit card and made the purchase. 

The item is still pending, so it is affecting my available credit. I understand that it will be cleared in a couple of days. The problem is that Discover Card removes my ability to see that the charge is still pending after it has been pending for three days, according to their phone CSR. They gave no valid reason for hiding this from me, only that is their " procedure '', which is clearly a nonanswer if I ever saw one. Can you tell me what regulation allows them to hide account information from me such as this?
Consumer complaint received 2019-09-28
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX AND CAPITAL ONE CAUSED MY DATE BREACH THE SIGNED THE FTC AND USED SOMEONE ELSE NOTARY WHICH I'LL BE WILL TO SWEAR UNDER OATH

XXXX  
I WENT TO TUAN V LE 
WHICH I NEVER DID BUSINESS WITH AND HE agreeD TO FIX WHAT XXXX CAUSED FOR FREE
Consumer complaint received 2019-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have checked my credit report and I've seen so many inquiries on my transunion and XXXX so I've called them they told me about rules and policies which want my argument. I've sent letters more than 30 days ago as well as called and they would not support my frustration to why these inquiries were in my credit report when they weren't authorized. I've contacted the company that pulled my credit and they didn't send letters stating that they went against protocol like they said they were going to do either. The law has been broken with my identity presumptively being compromised is so far from illegal that takes needs to be rectified. Thank you!
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information and fraudulent items which were being posted to my report. Here is the list of information which do not belong to me and accounts and inquiries were opened without my permission : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$8900.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXXXXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  =========XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$190.00} XXXX XX/XX/XXXX =========TRANSUNION : XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$190.00} XXXX XXXX XXXX Balance Owed XXXX {$1400.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

I am writing to follow up on my previous communication regarding the unverified negative items that continue to be reported on my credit file. Despite my repeated challenges and requests for investigation, these unjust and inaccurate information remain on my record, adversely affecting my creditworthiness and consumer rights.
Consumer complaint received 2022-10-06
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 of the Fair Credit Reporting act these accounts has violated my rights and is reporting inaccurate information. Please remove following account : Account name : XXXX # XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX # XXXX XXXXXXXX Account name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX  XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX # XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-05-05
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. (FL)

I sent a certified letter to XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX that was signed for on XX/XX/XXXX. The letter was a formal notice of dispute. I received a reply from XXXX dated XX/XX/XXXX stating that their investigation was complete and stated the account was being reported correctly. 

I waited 37 days to verify XXXX violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the required disclosure, notice of dispute, within the required 30-day period. 

I sent a certified letter to Equifax stating that XXXX did not notify Equifax about my dispute along with a copy of my initial dispute letter to XXXX, proof of delivery, credit report dated XX/XX/XXXX, and a credit report dated XX/XX/XXXX to show that the notice of dispute statement was not reported. 

Equifax has disregarded my proof of XXXX XXXX XXXX 's violation of the law and refuses to remove this trade-line.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 XXXXXX/XX/year> 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 2023-01-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

XX/XX/XXXX My Loan went into default about XX/XX/XXXX. I hired an Attorney ( XXXX XXXX ) to address my foreclosure case. My Attorney abandoned my case in State Court. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. failed to provide NOTICE OF JUDGEMENT HEARING DATE TO THE BORROWERS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX obtained Foreclosure Judgement on XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX Schedule Foreclosure Sale without providing the NOTICE OF SALE TO BORROWERS/OWNERS ( failure to notice of a prejudice inducing event such as Sale ; generally raised violations ( XXXXXXXX XXXX XXXX XXXX XXXX ) of due process. In XX/XX/XXXX, I STOP the FORECLOSURE SALE & REMOVAL CASE FROM STATE COURT ( BAIS ) THEN TRANSFER TO FEDERAL COURT. ( XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ). The Federal Judge stated to me that my defense should have been raised in State Court. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX extinguished ALL MY LEGAL RIGHTS to defend myself in State Court. Since XXXX, the law firm of misconduct has not change as XX/XX/XXXX. Hundreds of Minority Homeowners property rights were extinguished by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I recently obtained data that my property was sold at public auction On XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX took title to my home without following the due process.
Consumer complaint received 2017-07-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Ad Astra Recovery Services Inc (TX)

In the beginning of XX/XX/XXXX I started to monitor my credit and found out there was a loan that I did not apply for. The amount was for {$650.00} and was " opened on XX/XX/XXXX. I have recntly contacted this company by phone and spoke to a collections rep that was rude and would only tell me that the loan was done in person. I requested validation of this debt and the rep told me no to just pay the balance and that they did not have to validate. I sent letters to the bureau 's to get this taken off since it was not mine nor validated and they refused to take it off saying it was accurate. I spoke to all 3 bureau 's about this and none of them had validation with my actual signature on the contract. I then sent out validation letters to AD ASTRA requesting validation and they sent a copy of the contract with my name typed in. In XX/XX/2017 I sent a second validation letter letting them know what they sent was not validation but just an unsigned  copy. A 3rd letter went out 30 days later and no response.
Consumer complaint received 2022-12-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: PNC Bank N.A. (MD)

I want to add additional information to my previous complaint regarding PNC bank. I read about a customer sue in pnc bank for taking money out of my checking account without my permission during a bankruptcy I had to file due to theft and fraud. During this time my checking account was supposed to be closed. I called the bank 3 times requesting this account be closed. Instead of closing my checking account pnc bank deliberately kept the account open because they knew I was going to receive my 2nd stimulus payment by direct deposit from the irs. Pnc bank then took half of my money without permission and applied to a loan and a credit card that they issued a year previous. Knowing full well I could not pay back because all my money in stock was stolen and loans were taken out in my name. Due to my identity was sold in the XXXX XXXX then posted on XXXX in a different language using my personal information. I wrote letters to pnc bank with state police report explaining that XXXX.with recipes showing I had no money left. Because it happened in XXXX I would not get any of my money back that Was stolen from me. Pnc bank did not care and said I was lie in and did not believe me. So they took my money out of my checking account to pay the loan and the credit card balance without my permission.
Consumer complaint received 2020-06-07
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: Westlake Services, LLC (OH)

I have requested proper legal documentation from XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX. I HAVE NEVER HAD ANY ACCOUNTS FOR BUSINESS WITH THEM AND I HAVE YET TO RECEIVE ANYTHING THAT SHOWS THEY ARE IN COMPLIANCE WITH FEDERAL AND STATE LAWS FCRA OR FDCPA, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts SECTION ( C ) AND SUBSECTION ( 3 ) I HAVE HAD SEVERAL DUBIOUS AND FRAUDULENT CLAIMS FROM FAKE COMPANIES IN THE PAST AND I DO NO WISH TO BE A VICTIM AGAIN. I NEED THIS ACCOUNT DELETED ASAP.
Consumer complaint received 2019-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

my credit is XXXX i have no credit and can't get approved for any credit because i don't have any credit so how am i supposed to build credit if i get denied for everything i apply for and the only thing that's on my record is hospital bills from when i was pregnant and i was on XXXX so XXXX should have paid for those bills but for sum reason they are still on my record i have tried to get it taken off but it aint went nowhere. i have tried and tried to build credit but cant seem to get approved for anything since i don't have any so what do i do how do i build credit if i cant get approved for anything that do i do because i cant even get a loan and im trying to buy a home and start a business but cant because i have no credit what should i do
Consumer complaint received 2019-09-28
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

CAPITAL ONE DATA BREACH CAUSED THE FTC VIOLA TION THAT IS NOT FIXABLE I'VE TRIED MORE THAN 4 MONTHS ENCLOSED THE ACCOUNTS THAT CAN NOT BE RESOLVED THEN WENT TO XXXX XXXX AT XXXX XXXX
Consumer complaint received 2019-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (PA)

I never applied for SCRA benefits with my mortgage company. At the beginning of XXXX XXXX XXXX alerted me that I had missed multiple payments on my mortgage dating back to XXXX. I did a hard pull on all 3 credit bureaus and verified they claimed I had missed 23 payments, and they claimed I owed XXXX dollars more on my mortgage than was was shown on my account. I logged into my account and the ledger was in utter disarray, almost a hundred entries on XX/XX/XXXX. I proceeded to call and ask what was going on they told me it was due to SCRA benefits and to call the credit bureaus which I did, it has been a month and still no resolution to my report. My credit score has taken a huge hit and I was turned down for a loan. What is my next step.
Consumer complaint received 2022-01-10
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. (CT)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.