davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-28
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. (MD)

XXXX XXXX  IS A CURRUPTION INSTITION THAT CALLED MY JOB NUMEROUS TIMES. THEY CUT OFF MY DEBIT AND CREDIT CARD NUMEROUS TIMES. THEY ARE IN VIOLATION OF THE SAILORS AND SOLDIERS ACT SAYING I OWE MONEY THAT I DONT. I HAD A SECUR3D CREDIT  CARD AND THEY SAY I HAVE A BALANCE. HOW IS THIS EVEN POSSIBLE. THIS BANK IS XXXX AND HAS A DISTAIN FOR ALL XXXX PEOPLE. 

Falsely threatened legal action and wage garnishment : The XXXX   XXXX sent letters to members threatening to take legal action unless they made a payment. But in reality, it seldom took any such actions. The CFPB found that the XXXX XXXX message to consumers of pay or be sued was inaccurate about 97 percent of the time, even among consumers who did not make a payment in response to the letters. The XXXX XXXX representatives also called members with similar verbal threats of legal action. And the XXXX XXXX threatened to garnish wages when it had no intention or authority to do so. 
Falsely threatened to contact commanding officers to pressure servicemembers to repay : The XXXX XXXX sent letters to dozens of servicemembers threatening that the XXXX XXXX would contact their commanding officers if they did not promptly make a payment. The XXXX XXXX  representatives also communicated these threats by telephone. For members of the military, consumer credit problems can result in disciplinary proceedings or lead to revocation of a security clearance. The XXXX XXXX was not authorized and did not intend to contact the servicemembers chains of command about the debts it was attempting to collect. 
Misrepresented credit consequences of falling behind on a loan : The credit union sent about 68,000 letters to members misrepresenting the credit consequences of falling behind on a XXXX XXXX XXXX XXXX  loan. Many of the letters said that consumers would find it difficult, if not impossible to obtain additional credit because they were behind on their loan. But the XXXX XXXX had no basis for that claim, as it did not review consumer credit files before sending the letters. The XXXX XXXX also misrepresented its influence on a consumers credit rating, implying that it could raise or lower the rating or affect a consumers access to credit. As a furnisher, the XXXX   XXXX  could supply information to the credit reporting companies but it could not determine a consumers credit score.

Illegally froze members access to their accounts : The XXXX XXXX froze electronic account access and disabled electronic services for about 700,000 accounts after consumers became delinquent on a XXXX XXXX XXXX XXXX  credit product. This meant delinquency on a loan could shut down a consumers debit card, ATM, and online access to the consumers checking account. The only account actions consumers could take online would be to make payments on delinquent or overdrawn accounts.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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.

and 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 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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.

and 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 2022-05-18
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)

Im complaining on XXXX XXXX and transunion after they have told me to get a approved police repoRt that my identity has been stolen which took the detective 10 months to finall Approve my identity was stolen by an ex roommate and boyfriend of mines years ago they will not accept my documents i have been doing this for months and the detective did a thorough investigation for 10 months before he approved the police report i need XXXX XXXX  to get this off my credit report asap the email address they have on file is incorrect to mines telephone number and bank account that the payments were made from didnt match my bank account at all..the address they have on file is not affiliated with me..they even have a password on the account that i can not identify which i have the recording of several agents i spoke too.i even advised all three credit bureaus that i can not speak to XXXX XXXX because i can not identify the correct information on the account and they still refused my police report and also XXXX XXXX  refused to send me a fraud affidavit packet to have the detective fill out as approved investigationjust because a company can verify first and last name and date of birth and social doesnt mean that they acknowledge the account or have any affliction with it..i never even had license for over 5 years to even get a vehchile i have a medical condition/XXXX i have a fraud alert on my profile for over 5 years
Consumer complaint received 2021-11-12
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (NY)

Westlake Financial Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
I have made numerous attempts and I have all of the letters I sent certified and documented, Westlake is reporting to the credit bureau that I owe XXXX along with attached late payments.The dates attempted XXXX, XXXX, XX/XX/2021. 
Be advised that the description of the procedure using XXXX to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting.
Consumer complaint received 2023-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC (FL)

Please be advised that I have previously tried to validate the ownership of this acct directly with XXXX XXXX XXXX collection acct # XXXX, and with the credit bureau XXXX. 

As of today 's date I have not received the requested documentation to proof that this collection acct is mine. I do not know XXXX XXXX XXXX, and I have never signed any documentation with this company. 

Account MUST be removed immediately as its harming my credit. Thanks for your prompt response and cooperation with this request.
Consumer complaint received 2022-05-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (AZ)

In 2016 a person unknown to me and without my authorization, opened 2 bank accounts with my personal information in California, I was affected since the creditors do not want to help me get out of this scam of which I was a victim and as a result, now I have debts. 
In XX/XX/2016, he opened an account for a credit card with Discover Bank and left me with a debt of {$6100.00}, I have tried on multiple occasions to fix this problem directly with the bank without obtaining results. 

The person who used my name and social security without my authorization used this address to open the account : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX.
Consumer complaint received 2022-05-18
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. (FL)

In accordance with fair credit reporting XXXX XXXX ( s ) numbers XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, ( Original Creditor : 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 states a consumer reporting agencies can not furnish a account without my written instructions
Consumer complaint received 2023-04-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC. (VA)

I had a $ XXXX car loan with Santander for 5 years which started in XX/XX/2017 and the principle balance only decreased $ XXXX. The company did not properly explain the high interest and fees along with loan deferrals and apparently did not apply my payments correctly if my principle did not decrease much with each payment that I made. This resulted in the car being repossessed because my payments were not making a dent in my loan. 

My credit history with Santander with all credit bureaus have inconsistent data across the board. How is that possible if the information should be coming from the same place? Every instance that I've attempted to correct issues have been met with my credit standing worsening and this is in violation of the Fair Credit Reporting Act. 

I attached the article on " XXXX XXXX XXXX Settles with Santander Consumer USA Inc. for Credit Reporting Violations in Connection with Its Auto Loans '' that outlines the predatory lending practices of Santander which have negatively impacted my credit and my family 's livelihood.
Consumer complaint received 2022-04-08
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. (NY)

Received a phone call from XXXX XXXX Bank. Asking me to return their call about possible fraud with reference # XXXX. I have left XXXX separate messages and have heard nothing back from XXXX XXXX bank.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

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 XX/XX/XXXX Account name : #, XXXX XXXXXXXX XXXX XXXXXXXX XXXX Closed Account name : #, XXXX XXXX  XX/XX/XXXX Account name : #, XXXXXXXX XXXX XX/XX/XXXX Account name : #, XXXX XXXXXXXX XXXX  XX/XX/XXXX Account name : #, XXXX XXXX XX/XX/XXXX Account name : #, XXXX  XX/XX/XXXX Account name : #, XXXX XXXX XX/XX/XXXX Account name : #, XXXX XX/XX/XXXX Account name : # XXXX XXXX XXXX XX/XX/XXXX Account name : #, XXXX XXXXXXXX XX/XX/XXXX Account name : #, XXXX XXXXXXXX XX/XX/XXXX Account name : #, XXXX XXXX XX/XX/XXXX Account name : #, XXXX XXXXXXXX XX/XX/XXXX Account name : #, XXXX XXXX XXXX XX/XX/XXXX has violated my rights 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 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.

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.

My information was impacted in the Equifax data breach and my personal information has been compromised, I see a few fraudulent accounts and inquiries that arent mine neither have I authorized anyone to apply for any of these accounts or inquiries listed below : its to my understanding that I have rights to a fair accurate credit report according to FCRA and consumer laws protecting me and my information. I would like these items removed due to them affecting my credit report and scores and i have no type of association with any of these acounts or inquiries U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.
Consumer complaint received 2022-05-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONWIDE MORTGAGE BANKERS, INC. (GA)

In XXXX XXXX XXXX Nationwide Mortgage Bankers offered me financing terms for a mortgage to meet my XX/XX/2022 closing date. Somewhere along the line they realized that they could not deliver what they have offered and instead of being upfront and truthful, they stringed me along for almost 6 weeks ; constantly delaying, lying and creating unnecessary issues, all in hopes that I would walk away on my own initiative. Within less than 2 weeks of losing my Earnest Money, Inspection cost and everything else I have invested, I decided to quickly use another bank to close the transaction so that I do not lose what Ive already invested. With such short timeframe and increasing interest rates environment, I was forced to accept an interest rate that was almost 2 times greater, a down payment that was 10 % higher and almost {$3000.00} higher points. I am a real estate agent and a real estate investor for the past 15 years and would have never under normal circumstances purchased an investment property under the financing terms I ended up accepting. 

Throughout this time frame ( XXXX through XXXX ), as I rightly became annoyed and persistently pressed My Broker ( XXXX XXXX ) for an explanation as to what was delaying the progress, he became very unprofessional, disrespectful, uncaring and unsympathetic to the stress and fear of losing my earnest money, that I was going through. XXXX XXXX began to ignore my calls/texts/emails for days/weeks, and whenever he did respond it would be some open ended nonsensical remarks, such as I am in a lot of meetings I spoke to his immediate supervisor, XXXX ( I can not remember his last name ), he too seemed helpful initially but ultimately disappeared. I went as far as to write a letter to Nationwidewide Mortgage Broker CAO ( XXXX { Can not remember his last name } ), but he did not bothered to respond. 

This company and its practices really need to be looked into. I saw similar reviews about them, but unfortunately I used them before I checked the reviews.
Consumer complaint received 2022-05-18
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NOVAD Management Consulting, LLC (CA)

XXXX  XXXX XXXX and NOVAD Consulting, for months, have been unable to respond to workout options costing thousands in lost equity for the borrowers estate and family, The corporate office for NOVAD has a person who hangs up when the tough questions arise. 

XXXX  XXXX XXXX has been proving to be of no value because they are aware of the level of misuse of personnel. 

The level of mismanagement and misinformation is leading to lost equity for the public and mental stress that is unnecessary and caused solely by the inability to service.
Consumer complaint received 2021-11-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PCR Group (MI)

Debt with XXXX XXXX. They are reporting that 1 I was evicted. I was not. I turned my keys into the former manager also my former supervisor as agreed.

2. Was charged for back rent I did not owe. They revoked move in special I received. Charged for grass cutting that was not done or needed.

3. The debt was suppose to be apart of the workers comp claim. For the injury that happened while working for the community.
Consumer complaint received 2019-01-26
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 (NY)

XXXX XXXX XXXX  charge card had two fraudulent charges that were reported at least two weeks ago. I was assured that the matter would be taken care of on two separate occasions. I should point out that this card was never used. I have always used the " XXXX '' app to make purchases which is a direct payment from my bank. 
Account is owned by Synchrony Bank. 
The card was canceled and a new card issued. I continue to get past due notices and I see that it has also been reported to credit rating agencies. 

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX GAL PREMIUM {$40.00} XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX GAL PREMIUM {$42.00} XXXX
Consumer complaint received 2022-05-18
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: Bread Financial Holdings, Inc. (VA)

XX/XX/XXXX Comenity CapitalXXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, OH XXXX did a hard inquiries on my credit report. I did not apply for any credit through this company. I called and they informed me that there was an application however the address didn't match mine. They said that they would contact the credit agency however the inquiry is still on my report
Consumer complaint received 2023-06-01
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. (NJ)

In accordance with the Fair Credit Reporting act " XXXX XXXX '' with account number # XXXX, and " XXXX XXXX XXXX' with account number # XXXX, and " XXXX XXXX '' with account number # 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 2019-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I AM A VICTIM OF ID THEFT. MY INFORMATION WAS COMPROMISED DURING THE 2017 XXXX DATA BREACH. I HAVE ENCLOSED DOCUMENTS TO ASSIST IN BLOCKING INFORMATION FROM BEING REPORTED ON MY CONSUMER REPORT
Consumer complaint received 2019-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (PA)

I have a Discover cash-back credit card since XXXX with no unusual events. On XX/XX/XXXX, I received an email to join a 5 % cash back promotion ( attached a copy ), and I successfully activated the promotion. 
Suspiciously, a few weeks later, I received a new card in the mail, with the same card number, but different benefits ( travel, miles card ). The note says nothing about why Discover changed my card arbitrarily and without contacting me, let alone getting my  permission. 
On XX/XX/XXXXat XXXX EST I called Discover customer service, and after speaking to a supervisor I was told that the issue would be fixed immediately. I was instructed to keep using my cash-back old card, discarding the new miles card without activating it. 
I followed the instructions explicitly. 
On XX/XX/XXXX I logged in to my Discover home page, and was stunned to find out that the card on the account is actually the new, never-activated, miles card. The card number is the same as my current cash-back card. 
There is nothing about the 5 % cash special promotion cash back as well. 
I then called the customer service ( on XX/XX/XXXX, XXXX EST ) and was told that the supervisor from the prior call was wrong, and that Discover can't revert the card change, nor providing me the 5 % cash back that was promised. I asked to be transferred to a supervisor, and the call disconnected. I have never received any call back.
Consumer complaint received 2023-06-01
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. (OK)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.