davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

In accordance with the fair credit reporting act XXXX, XXXX, equifax, has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section a states I have the right to privacy.

Delete these addresses they do not belong to me. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-06
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. ()

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since XXXX a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXXXXXX 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 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
Consumer complaint received 2022-05-13
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. (MD)

In accordance with the Fair Credit Reporting Act, XXXX XXXX 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 an account without my written instructions
Consumer complaint received 2018-06-20
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. (MO)

I submitted all the proper paperwork to XXXX they investigated and concluded that it was reported wrong. They removed the bankruptcies and then put them back on. I have a copy of when they deleted them.
Consumer complaint received 2022-05-13
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. (MD)

In accordance with the Fair Credit Reporting Act, XXXX XXXX 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 an account without my written instructions
Consumer complaint received 2020-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

A few months ago I requested the BOFA 's credit card department to waive the annual fee for my XX/XX/XXXX credit card due to the difficult situation and uncertainty of the moment. They denied it, and the only option available to get this charge reimbursed according to them was if I decided to close the account. I asked if I could switch or convert this credit card to a different one, and they said that I was able to qualify for the conversion. Recently, less than a week ago I called again and I almost got the same answer but to my surprise, I was able to qualify for the conversion-which technically they close one credit card and open another one- However, they couldn't reimburse the fee because it has had been a long time since my first talked around the subject with them. We are talking about XXXX but wait for a minute. Life has changed dramatically since then? I didn't like the unfair treatment, especially since I have been a customer for over 3 years and I never had missed a payment or been late. On top of that, I explained to them that the main reason for getting this credit card is not there anymore because XXXX XXXX doesn't fly anymore to my country of origin. It did it just for my first year of using the credit card.
Consumer complaint received 2022-12-14
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. (AL)

I submitted a letter to the 3 Credit Bureaus last XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-05-13
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. (AR)

On XXXX I sent a letter regarding inaccurate and unknown information on my credit report. To this day over 30 days later, I have received a response yet. I feel like they are taking advantage of me because they control my report, so they can just ignore my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those inaccuracies off my credit report. They are outside the scope of their investigation period, so those items should be deleted promptly. I demand these accounts be deleted immediately or I will be seeking litigation of the matter due to the stress this has placed on me and my credit report.
Consumer complaint received 2022-12-14
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. (AL)

I submitted a letter to the 3 Credit Bureaus last XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX Balance : {$480.00} XXXX  XXXX XXXX Balance : {$740.00} XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-12-21
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (FL)

This online complaint is against Experian, one of the three mayor credit bureau. 
They do not allow me to dispute items in my credit report. 
The Experian website always blocked me to submit any new dispute. 
Please see the screenshot I have attached with this complaint. 
My Experian Member ID is XXXX Thank you.
Consumer complaint received 2022-05-13
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

Inquiry details XXXX  XXXX XXXX XXXX Bank ) XXXX XXXX, XXXX XXXX ( Bank XXXX XXXX XXXX, XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX, XXXX XXXX XXXX  ( Bank XXXX XX/XX/XXXX CAPITAL ONE ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX ( Bank ) XX/XX/XXXX CAPITAL ONE ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX I did not Authorized of those hard inquiry. please Remove. I Appreciate your time.
Consumer complaint received 2022-05-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, has violated my rights 15 U.S.C 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 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.
Consumer complaint received 2022-05-13
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: TD BANK US HOLDING COMPANY (MD)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card under on open end consumer credit plan as late for purpose.
Consumer complaint received 2021-11-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK (FL)

My complaint is against Discover Financial Services. On XX/XX/2021 I opened a checking account with DFS. At the time of opening the account I did a mobile check deposit of {$10000.00}. On the morning of XX/XX/XXXX I tried logging into my account and found that it was locked. I called DFS and got it all cleared up and I once again had access to the account. A few hours later, in the early afternoon on the XX/XX/XXXXt I received a message to contact DFS immediately concerning my account. I called them and they told me that they closed my account. They gave me no explanation as to why but I didn't have a problem with it until the following day. On the following day, XX/XX/XXXX, I received yet another message from DFS stating that my mobile check deposit had posted to my account. I was very surprised as to how they can post funds to a " closed '' account. Once again I call DFS to ask what needed to be done for me to access my funds. They informed me that I would not have access to my funds until they were done with their investigation, which would take anywhere from 60-90 days. 

This is insane!!! How XXXX  XXXX do you close my account. After it's " closed, '' you accept my deposit and place my {$10000.00} into a " closed '' account and then tell me I have no access to my funds for the next 60-90 days.

I believe Discover Financial Services is intentionally holding my funds hostage for 60-90 days for their own personal gain/profit. This way they would not have to pay me any interest while they do whatever they want with MY money.
Consumer complaint received 2023-08-12
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Onity Group Inc. (MD)

I set up autopay for my mortgage payment with PHH Morgtgage XX/XX/XXXX. It was never processed. In XXXX I received a notice on my credit report that my payment was delinquent over 30 days and my credit score dropped 1 plus points. PHH mortgage claimed to have sent a letter ( which I don't recall ever receiving and I work away from home as a truck driver ) ... I don't recall ever receiving an email, text or phone call indication that I missed my XXXX payment. In the past few days ( this week ) I got several phone calls from PHH mortgage but they never left a voicemail. I often receive sales calls from PHH indicating that I can use the equity in my home ; therefore it never occurred to me that I had a missed payment. Now my credit is destroyed over a simple miscommunication and they claim they can not reverse the negative reporting.
Consumer complaint received 2019-08-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America was attempting to conduct a loan modification without the knowledge or authorization of this writer. Their attempt to modify the loan led to a dispute that has lasted ten months. Bank of America has refused to come forward with the truth about what happened and instead has hidden behind vague claims, d ensuring that they address the issues in a manner that leaves no written evidence of their actions and intentions. 
In addition, my credit score was affected when Bank of America conducted a credit inquiry, again without my knowledge or authorization. 

Bank of America overcharged this writer {$170.00} over the total amount due. Note that the over-paymentwas never acknowledged by Bank of America. On XX/XX/2019, Bank of America mailed this writer a check for the amount of {$100.00}, however {$77.00} have still not been reimbursed.
Consumer complaint received 2022-04-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

I tried to contact this company Fair Collection & Outsource XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX a number of times by certified mail dated XX/XX/2021, XX/XX/2021, XX/XX/2021 in reference to a collection account on my XXXX, XXXX, & XXXX credit reports. Until this date I have not received any information verifying that this account belongs to me and is correct and method of verification used.
Consumer complaint received 2020-12-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (TX)

I was alerted the other day of a collection that popped up on my credit.A collection for a debt I was not notified of, by a company whom I looked up and shows not to be licensed to collect in my state Medical Data Systems. Not only that, but as I have never been notified of this there has not been opportunity to dispute. This should immediately be deleted from my credit report as it can not reflect correct information. Furthermore as medical information is Hipaa protected and this company is based in another state and not bonded to collect in Texas they can not have a signed contract verifying said debt. I have attached a screen shot of the secretary of state website where the only company under this name that was bonded to collected in Texas has that bond cancelled.
Consumer complaint received 2022-05-13
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. (FL)

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. 

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 Have All 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.

All of the accounts listed above have violated BOTH of my federally protected rights.

Delete all of these accounts immediately, or be held {$1000.00} per violation.
Consumer complaint received 2020-12-22
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (CT)

I took out a 39 month lease with Kia Motors Finance ( KMF ). KMF reported to the credit bureaus that the last payment I made was more than 30 days late. 

I paid off my lease and returned car to dealership where they do an inspection. A month or two later they send me the bill for any excess wear and tear and the turn in fee.

I then proceed to remind KMF that they need to apply my lease insurance and they tell me to wait for new bill. New bill comes and it is due XX/XX/XXXX - I pay the XXXX. Now I found out they reported my XXXX payment as late ... if that is the reason I am even late at all. 

KMF refuses to speak to any customer regarding credit reports.The only way to handle it is to write to KMFs mysterious internal Care department. This clandestine department can not speak to anyone on the phone - customer or KMF employee according to policy.

KMF expects the customer to send a letter via mail and hope after 30 days that the department can properly sort it out and wait for a letter back. If the customer believes their response is not factually accurate they will have to send another letter back. 

KMF has a created a circular highway of purgatory, it is just not right. Especially to a XXXX year old hard working honest young man who took his first car loan out at the age of XXXX thinking he was in good hands, who made every payment on time via auto-pay for 38 months straight, and who just wants a simple straight answer.
Consumer complaint received 2022-05-13
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # 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
Consumer complaint received 2018-02-24
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: General Motors Financial Company, Inc. (CA)

I began writing letters to the credit bureaus and specific creditors reflected on my credit report beginning in XXXX of 2017. I believed items on my credit report reported inaccurately an not in compliance with the FCRA and FDCPA. The accounts in question are XXXX XXXX XXXX, XXXX XXXX XXXX and GM Financal.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from 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
Consumer complaint received 2019-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

with this company. In additionally, I have sent in a copy of my police report to Equifax, XXXX, and XXXX. I have disputed these items with these companies over and over again. The fraudulent items are : XXXX XXXX : Reported Balance $ XXXX- Fraudulent item : XXXX XXXX : Reported Balance {$3.00}, XXXX Fraudulent item XXXX : Reported Balance {$410.00} Fraudulent item Never heard of this company and have disputed this item before and required proof of document with sign. 
XXXX XXXX ( CLOSED ) : Reported {$560.00} -Fraudulent item- Account has been proven fraud and removed according your company response to last complain # XXXX to Consumer finance.gov. Your response ( This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX XXXX ( CLOSED ) SAME ACCOUNT ABOUT WITH DIFFERENT REPORTING BALANCE : REPORTED BALANCE : {$920.00} ; FRAUDULENT ITEM. This account has been proven fraud by your company in before complaint ; however, it is listed on my credit report. Previous report number is : Your response : XXXX has been proven fraud by your company however, it is still listed on my credit report. Reporting Balance : {$7000.00} :, XXXX XXXX XXXX, XXXX, IN XXXX Phone : ( XXXX ) XXXX. ). The complaint report number ( # XXXX to Consumer finance.gov. Your response ( This item has been deleted from the credit file. If you have additional questions about this item please contact : ) XXXX have been deleted. 

XXXX : Reported Balance {$1100.00} Fraudulent item Never open this account. 

The collection account XXXX XXXX : Reporting Balance $ XXXX- This item doesnt belong to me. The original company reporting it is XXXX XXXX XXXX. I was never treated by this company. The person it belongs to had insurance and it was billed. 

Please do you due diligent and removed these fraudulent items from my credit report. This is causing harm to your future in purchasing and getting a career I desire. I have sent in a police report and you still have these items on my report. Also, you guys have items which have been proven fraud by Equifax, XXXX, and XXXX listed on my report. 
Please remove incorrect personal informant Equifax : Name : XXXX XXXX. My name is only XXXX XXXX. 
I ASKED BEFORE TO REMOVE FRAUDLUENT INQUIRY WHICH ARE INQUIRY I DONT HAVE AN ACCOUNT WITH. THANKS ALL COMPANY.
Consumer complaint received 2022-05-13
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: CLGF Holdco 1, LLC (IL)

A indigo credit Card was opened in my name. Now its been reported on my credit as closed account due to inactivity but still reporting of payments has been late and then on time the next month.