davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE (IL)

On XXXX XXXX, I opened a new account with Huntington Bank only had and account with XXXX XXXX that transferred their accounts to Huntington.

I never personally applied for a Huntington account until XXXX XXXX At that time I was promised {$150.00} if I made a deposit for {$1000.00} within 60 days and in 90 days if the account was in a open status. Within 14 days the {$150.00} would be deposited into my account ending XXXX.

I spoke with several people that the calls were recorded in XX/XX/2022 that I would received those funds. 

Never received the funds.
Consumer complaint received 2019-10-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: BCB Investments LLC (MN)

1. They kept calling, leaving messages without identifying who they were and why they were calling.

2 They contacted people outside my home.

3. They threaten to take other actions if I didnt call back.

4. I returned the call and got the name of the company and realized it was a collectio
n agency, Alliance collection
Consumer complaint received 2022-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Avant Holding Company, Inc. (GA)

I am XXXX XXXX and Im submitting the complaint myself and there is no third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was denied my right of credit by XXXX. d/b/a AVANT. I was notified of this transgression of my rights, specifically 15 USC 1601- The Truth in Lending Act by XXXX d/b/a XXXX on XX/XX/2022, via email. According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by XXXX XXXX AVANT adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to ( {$5000.00} ), XXXX d/b/a AVANT is now civilly liable to pay me for the damages. Correspondence has also been sent to your company.
Consumer complaint received 2022-10-08
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: Experian Information Solutions Inc. (CA)

The following accounts have been opened fraudulently without my consent. According to the fair credit reporting act section 109 these accounts must be removed or I will pursue legal action. The first fradulent account opened was XXXX XXXX XXXX and it is dated opened XX/XX/XXXX and the total charges are {$430.00}. The second fraudulent account is XXXX AND ASSOCIATES that is dated opened on XX/XX/XXXX and the total fraudulent charged are {$770.00}. I demand these accounts be removed immediately.
Consumer complaint received 2019-07-31
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. (NV)

I have disputed the late payments on XXXX XXXX XXXX XXXX  for months. Experian refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2022-10-10
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: Experian Information Solutions Inc. (NY)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-10
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. (NY)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2022-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (VA)

There is a need to reopen the company 's response to Complaint XXXX which was closed prematurely. The company claims that it complied with the validation requirements of 15 USA 1692 by dismissing the requirements a low standard. However, most of the obligations the company alleges to be due from XXXX XXXX do not identify the creditor at all. The following claims have been reported to the credit reporting agencies for which XXXX XXXX never received any billing or explanation - including the actual creditor - listed as follows : XXXX XXXX {$850.00}, XXXX XXXX XXXX {$300.00}, XXXX XXXX {$760.00}, Credit Control Corp {$61.00}, Credit Control Corp {$84.00}, XXXX XXXX XXXX {$87.00}, Credit Control Corp {$150.00}, Credit Control Corp {$240.00}, Credit Control Corp, {$300.00} and Credit Control Corp {$760.00}.
Consumer complaint received 2022-03-14
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. (TX)

Spoke with multiple representatives about inquiries on my credit report provided them with the FCRA information that was provided and was advised there is nothing that can be done. Soke with the companies that have the inquires on my report and there is no paper work with my signatures.
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TN)

the Account for XXXX is XXXX XXXX  non-compliant. The account number is incomplete therefore this account violates FCRA for reporting incomplete and inaccurate information. This account has also been paid in full for over six months. Metro 2 says an account paid in full can not report over six months from payment.
Consumer complaint received 2024-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

My credit was used fraudulently to apply for credit cards and auto financing. It was not me nor anyone I associate with please remove from my credit .It is affecting my score and home buying.
Consumer complaint received 2023-06-25
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: Spring Oaks Capital, LLC (FL)

In accordance with the Fair Credit Reporting act SPRING OAKS CAPITAL LLC Acct # 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.

18 USC 1028A- Aggravated Identity Theft ( A ) OFFENSES. 

( XXXX ) IN GENERAL. 
Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

( XXXX ) XXXX XXXX. 
Whoever, during and in relation to any felony violation enumerated in section 2332b ( g ) ( 5 ) ( B ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person or a false identification document shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 5 years.
Consumer complaint received 2022-03-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Twice, I have mailed letters requesting inaccurate information be removed from my file in Transunion 's office. I sent my requests with proof of ID and verified my SSN, my address, the current date, as well as clearly stated my request, my objective, my ID, and anything else. Twice, Transunion mailed generic notices back acknowledging that " someone '' tried to access my file but since they couldn't verify my identity they won't do anything. These notices do not say what I could have done differently to get my request processed. I sent a copy of my driver 's license both times. When I call them, I am unable to speak to any live representatives and the automated system have no helpful options for me. I have since suffered adverse action directly related to Transunion 's holding inaccurate personal and financial info, and my inability to fix it with. I was denied renting a house because the managing office uses Transunion. The second time I mailed my request to them I verified that it was me trying to request removal of bad info from my file in their office, and again they mailed a generic response that they can't verify my identity, even though I mailed a copy of my driver 's license. This is beyond frustrating, stressful, and it causes my XXXX  to go through the roof!! I need help because I can't get through to anyone at Transunion and they are wasting my time through the mail system.
Consumer complaint received 2022-10-10
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. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-03-14
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 XXXX XXXX Account # 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.
Consumer complaint received 2023-06-25
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: Exeter Finance, LLC. (OH)

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 account under a open end consumer credit plan as late for XXXX  purpose. 
XXXX
Consumer complaint received 2022-03-14
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 XXXX XXXX Account # 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.
Consumer complaint received 2019-07-31
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

This problem with XXXX  has started back around XX/XX/XXXX when I filed a dispute against the record they filed on my credit report as XXXX XXXX XXXX. To this day XX/XX/XXXX it is still listed on my credit report as reinvestagton in process. I was disputing that XXXX listed different amounts where it says Past Due and the amount thats charged off. What is also inaccurate is the last date of payment. The last payment I had made on this account was XX/XX/XXXX. Under the fair credit reporting act any investigation that takes over 30 days must be removed. By this incorrect information staying on my report i a paying 14 % interest on the new car loan that Im current on now. I get lower credit offers than what i should qualify for otherwise.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than XXXX  days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2016-03-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AmeriHome Mortgage Company, LLC (ID)

I sent a written communication to my lender ( attached ) more than a month ago concerning my Private Mortgage Insurance and I have not heard any kind of response from them. I would like to hear back concerning my request to remove PMI from my loan which is in great standing.
Consumer complaint received 2016-01-28
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

ok on XXXX I have to declare bankcrupcy chapter XXXX while having a WellsFargo mortgage and the reafirmation proccess on this mortgage was not completed on time and ever since the bank has refused to report my payments with the XXXX credit bureaus even though I have never been late or missed a payment since I took out this mortgage in XXXX. 
What recourse do individuals in this situation like mine have? it is been very hard for me to refinance to take advantage of lower interest rates currently avialable to me.
Consumer complaint received 2022-02-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (IL)

Real Estate Attorney XXXX XXXX ( with many many aliases in many states and large family fraud scheme circle ) also undisclosed Real Estate Title Attorney for XXXX XXXX XXXX working with XXXX XXXX XXXX escrow closer for same title company posing as an escrow officer, realtor XXXX XXXX also dual agent and managing broker for XXXX XXXX  XXXX XXXX XXXX XXXX County Recorder, XXXX XXXX XXXX XXXX XXXX  aka XXXX XXXX XXXX XXXX XXXX real estate attorney. XXXX county recorder is backdating for bribes ( only explains why these documents are suddenly showing up after repeated research and I have the original forms in hand ),. XXXX XXXX XXXX ( many aliases, many states ), is back filing with back dating files to cover for her large-scale scheme defrauding sellers in distress with large amounts of equity and XXXX XXXX and XXXX XXXX recorder participating in fraud. My warranty deed that just was filed yet dated XX/XX/XXXX but warranty deed signed XX/XX/XXXX when closing occurred XX/XX/XXXX and all through docs says send to myself and not my real estate attorney XXXX XXXX. I was defrauded of approximately 100,000 dollars with false liens etc and false forms and straw buyer. False POA, closing supposedly on XX/XX/XXXX yet XX/XX/XXXX ( XXXX XXXX XXXX ) completed after fraudulently ecrow advancing large sums of money and ALL closing costs from escrow to falsely inflate payoff statement only to repay hours later after closing on sale where attorney with the aide of XXXX ecrow closer repaid all closing costs and LIENS not paid off and 2 completely fraudulent and per IRS both state and federal, liens llikely fraudulent and not yet paid. ALL persons involved refuse to speak with me and XXXX XXXXXXXX XXXX with XXXX works for XXXX XXXX XXXX.!! 

I VERY MUCH BELIEVE THE BUYER XXXX XXXX DOES NOT EXIST. 

PLEASE CALL OR EMAIL AS i AM XXXX
Consumer complaint received 2022-03-14
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)

15 U.S.C. 1681 section 602A states I have the right to privacy 15 A.S.C. 1681 section 604A section 2 It also states A consumer reporting agency Can not furnish a Account without my writing instructions. 



In according with the fair credit reporting act XXXX  accounts listed under XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( 6 late payments during Covid ) In according with the fair credit reporting act convergent accounts listed under trans union has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 6 late payments during Covid ) In according with the fair credit reporting act convergent accounts listed under Experian has violated my rights Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX* 6 late payments during Covid )
Consumer complaint received 2022-12-06
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. (NM)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Consumer complaint received 2022-10-10
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Neon Newco Corporation (VA)

someone stole my id ss card an made there own stuff. they have got my unemploment for the whole time that i was soppose to receve it an also a biness grant start up thay have bought a house an a number of cars an trucks in allit is over a XXXX  dollers i also have letters saying that i have receved ssi for XXXX an never seen a XXXX the law at XXXX XXXX va has a report and i know who it was that stole it well most of it they are really trying to kill me or hurt they are taking the money an paying people to do it if you dont help i will never see 2023 and thats the truth plz help me i live at XXXX XXXX XXXX in XXXX va XXXX my phone number is XXXX i really need help XXXX XXXX