davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Home Loan Center, Inc. (OR)

Lending tree and I have a contract and they forced me to give them my ssn and they ilegaly got my credit score and ilegaly and knowingly passed my credit score to a tun of banks and I didn't see any benafits fromthat but a promisary note was created and my privet trust was fleeced and I can't tell you how many times this has gone on but I can tell you alot. To much and I'm not going to stand for it. Lending tree wants to act like their not a lender so they can keep their hands clean but that's not the way XXXX works. See those banks are their partners and as a consumer that was forced to give up my ssn I have to see benafits or they are comiting credit card fraud. XXXX says ssn is a credit card fraud and if I dont see benafits then they are breaking the law. Now they block me from doing anything on their website. It just says denied every time and it don't do that for anyone els. Iv talked to them on the phone iv emailed them and reminded them of the consumer credit laws and it was ok at first. I had a auto loan for {$150000.00} and 2 home loans for {>= $1,000,000} and they disappeared. I tried to buy a car and they just wouldn't give my my credit. So 15usc1602 says my credit is my property and I'm the creditor. 12cfr1002.7and regB says they have to give me my credit if I want it. Lending tree can't just put the blame on the banks. And just say they aren't the lender. Of course their not the lender banks don't evin have money to loan. They take it from our trust and them charge us for our owen money plus intrest. Now that a fraud on another level and I will mot stand for it. I blalieve its 42usc1431 says banks are the borrowers. But I have the case laws to prove it. And I want what's mine. It's only right. 42usc408 I balieve says I have to see benafits or its credit card fraud. They can't evin ask me for my social that's a crime and it's not an ID.
Consumer complaint received 2020-11-10
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: Experian Information Solutions Inc. (IN)

on XXXX I notified the all 3 credit bureaus on invalid and inaccurate reporting after over 45 days the accounts are still present on my reports. None of the accounts furnished have my written consent to be furnished. That is violation of the FCRA 15 usc 1681b ( a ) ( 2 ). Also I have medical related accounts being furnished. that is not only a hippa violation but is a clear violation of my privacy which I have the right to according to the FCRA 15 usc 1681 ( a ) ( 4 )
Consumer complaint received 2020-11-07
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: EQUIFAX, INC. (FL)

I am above and beyond tired, I have tried several times to remove these items permanently from my report. I have contacted the agencies, the people reporting and no-one will remove the items or provide my original signature or anything that states that it is my debt. They can not supply this as this is not my items.
Consumer complaint received 2020-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

A debt buyer company, XXXX XXXX, bought an account from XXXX Bank, and is reporting the account on my credit report still although, the date of first delinquency with the original creditor renders that this account no longer be reported anymore because the statute for reporting this accounts information has expired. Account number : Account number XXXX for a balance shown of {$640.00}. The original creditor has already deleted the account from my credit reports across all three bureaus because the alleged debt is so old.
Consumer complaint received 2023-03-14
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. (NY)

My name is XXXX 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.
Consumer complaint received 2020-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

A debt buyer company, XXXX XXXX, bought an account from XXXX XX/XX/XXXX, and is reporting the account on my credit report still although, the date of first delinquency with the original creditor renders that this account no longer be reported anymore because the statute for reporting this accounts information has expired. Account number : Account number XXXX for a balance shown of {$640.00}. The original creditor has already deleted the account from my credit reports across all three bureaus because the alleged debt is so old.
Consumer complaint received 2023-03-14
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for purpose.
Consumer complaint received 2020-11-10
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (MA)

I see multiple 30-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-10-17
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. (NC)

I am a victim of ID Theft and I filed a police report and provided to the credit bureaus however they have not provided me with detailed information I have requested which is required by law according to my attorney. 

In accordance with the Fair Credit Act XXXX the Accounts listed in this complaint, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Act Convergent the information provided below has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Accounts that I did not open nor authorize and are due to Identity Theft listed below : 1. XXXX XXXX Account Number : XXXX 2. XXXX Account Number : XXXX 3. XXXX Account Number : XXXX 4. XXXX  XXXX Account Number : XXXX 5. XXXX XXXX Account Number : XXXX 6. XXXX Account Number : XXXX 7 XXXX Account Number : XXXX 8. XXXX XXXX Account Number : XXXX
Consumer complaint received 2019-04-23
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. (CA)

Transunion is reporting incorrectly that I am 30 days past due on XXXX  partial account number XXXX. ( Please see page 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2024-03-05
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

The consistent timeliness of my payments for this account contrasts starkly with the distress I feel upon seeing an inaccurate late payment entry. Maintaining a record of punctuality has been my steadfast commitment, and this discrepancy weighs heavily on my mental well-being, disrupting my sleep and peace of mind.
Consumer complaint received 2020-11-10
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Shellpoint Partners, LLC (MA)

I see multiple 120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENCORE CAPITAL GROUP INC. (CA)

A debt buyer company, Midland Funding, bought an account from XXXX XXXX, and is reporting the account on my credit report still although, the date of first delinquency with the original creditor renders that this account no longer be reported anymore because the statute for reporting this accounts information has expired. Account number : Account number XXXX for a balance shown of {$640.00}. The original creditor has already deleted the account from my credit reports across all three bureaus because the alleged debt is so old.
Consumer complaint received 2020-11-07
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: EQUIFAX, INC. (GA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$58.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$58.00} -This is not my account.
Consumer complaint received 2020-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Premier Auto Credit (CA)

Alleged 90 days late was a clerical error from the insurance company on total payment amount for total car payoff, total amount was wrong. Then total payment amount was corrected and the car was paid off in full. Premier Auto Credit agreed to remove alleged 90 days because of the insurance payment error, but never did. I requested numerous times to remove incorrect reporting according to FCRA act. Still waiting for Five years on the agreed verbal and mailed terms. Premier Auto denies receiving such letters and claims the letters may have been lost during moving transition.

Company has many consumer complaints for not agreeing to terms and agreements with their customers. Address on the credit report for Premier Auto is wrong and inaccurate : Previous Address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Current XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I sent XXXX, XXXX and Experian letters to validate the accuracy of four bankruptcies showing up on my credit report. They sent back responses saying that XXXX validated them. I then asked XXXX to verify this information and they responded that they do not report any bankruptcies with me. I also received letters from the two courts stating they did not provide any information to the third party or credit bureaus. I then sent this response to the credit bureaus and they still say they have validated it with XXXX and will not remove it. XXXX consumer # XXXX and Case # XXXX dated XX/XX/2020, shows there is not a bankruptcy on me. I have been going back and forth with the bureaus since XX/XX/2020.
Consumer complaint received 2020-11-07
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: EQUIFAX, INC. (MD)

i have disputed an XXXXXXXX XXXX account XXXX with Equifax many time yet all XXXX XXXX  have to do is just respond accurate ... .they failed to follow the law ... XXXXXXXX XXXX  have no Proof or contract under my name baring my signature ... .I have flie a police report, i have reported the account to the Federal trade Commision, and the Consumer Financial Protection Bureau . yet Equifax is the only credit bureau still have this account on my file, XXXX and XXXX have deleted the XXXX XXXX as Fraudulent account. yet equifax refuse to follow the law ....
Consumer complaint received 2018-04-23
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. (CA)

XXXX XXXX paid XXXX XXXX/XXXX XXXX fraud never had an account with either company. I wasn't even XXXX. I already disputed XXXX XXXX who took it off but this collection is not mine either. 
XXXX XXXX - I am an authorized user. Account does not belong to me. 
XXXX fraud never had an account with either company. I wasn't even XXXX. 
XXXX  account fraud this account does not belong to me.
Consumer complaint received 2020-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/2020 I went to a drive through of a TD Bank on XXXX XXXX in XXXX Florida. I withdrew {$1300.00} from my account in $ XXXX and $ XXXX. I counted the money but I didnt look very carefully. 1 of the {$100.00} bills was a counterfeit bill. I found out because the person I gave it to took it straight to his bank and they rejected it. There is no question it came from this bank and they have reacted by not caring in anyway. They have not even asked to see the bill to try to resolve this in anyway. The branch manager wont even give me someones number to file a complaint or a case. Please help me
Consumer complaint received 2020-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I had a capital one card, I never missed a payment, never had late payments and never carried a balance. They placed a 26 day hold on my payments even though they confirmed on the phone with XXXX XXXX XXXX XXXX and trust that they received the funds, the kept randomly adjusting my available credit and it didnt reflect my my actual available amount.
Consumer complaint received 2020-11-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

My XXXX XXXX XXXX was purchased with XXXX miles. All the service has been completed on the vehicle up to XXXX miles where the vehicle just stopped and no service engine lights appeared. The motor is completed done with no more life. Capital One will not assist with current outstanding loan left on the vehicle of {$7600.00}, nor will XXXX XXXX  XXXX or XXXX XXXX XXXX. They told me it was a XXXX  but with less than XXXX miles this vehicle should have plenty of life left. Now I am stuck with a loan and no car. I need help very seriously. This vehicle should be bought back by the original company that made the motor or I should have some assistance with the company buy a refurbished motor at their cost for only XXXX miles driven and regular maintenance. Please help, Im at a loss for words at how this can happen in today 's world of long running vehicles.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.
Consumer complaint received 2018-06-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HARBORONE MORTGAGE, LLC (NH)

We have received two ( 2 ) debt collection notices from both XXXX XXXX XXXX and XXXX XXXX for the loan # XXXX originating from Harbor One Mortgage. Harbor One needs to immediately address this issue and ensure only one debt collection company has access to our loan. 

1. Letter from Harbor One dated XX/XX/XXXX states that our loan has been transferred to XXXX XXXX XXXX. We have not received a bill from them but this would be a third ( 3 ) debt collector. 
2. Letter from XXXX XXXX XXXX dated XX/XX/XXXX states our loan has been transferred to them. We already set up our account, provided our personal information and set up auto bill. It will not let me cancel the auto payment at this time. This needs to canceled immediately. This company has our current escrow balance and is clearly getting information from Harbor One.

3. Monthly Statement and bill from XXXX XXXX XX/XX/XXXX attempting to collect on the same loan as XXXX. 


I spoke with Harbor One on XX/XX/XXXX and they confirmed that XXXX XXXX should be the only company servicing the loan. At this point our personal information and bank account information is with XXXX.
Consumer complaint received 2017-05-28
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. (GA)

I have disputed an account for  XXXX   XXXX   XXXX  several times now with Transunion and have not had a resolution as of yet. First I must say that the account is not mine and no one has validated this for me if for any reason I do owe on this account. Second this account has been removed several times from my credit report and reinserted without my knowledge which violates the FCRA Part ( A )  ( 5 ) ( B ) ( ii ), the dates are as f ollows  :   XXXX   XXXX   XXXX      ,   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX  . Also not to mention, I feel that they are also attempting to reage this account by continuing t o change the amount owed from {$1100.00} to {$1100.00}, these amount has been changed several times, this violates FCR A Section 605 ( c ). I curre ntly have an open dispute with Transunion and fear that I will still have no resolution to this issue.
Consumer complaint received 2021-11-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

Chase closed my checking account without providing me a notification of account closure to date ( Account closed on : XX/XX/2021 ). Upon multiple hours of following up with customer service ( Operating Loss Prevention Department ) I was told that the reason of closure was due to three checks I deposited from payee which happens to be my new employer ( one of the most reputed management consulting firm ) and these checks were my salary checks. 

Not only did Chase close they account, they also cancelled the debit card associated with it and withheld the checks which has caused me great financial strain, overdue notices from credit card with autodebit from this checking account and possible negative credit bureau reporting. 

I understand that Chase is protected by having the right for closing accounts, I feel my case does not qualify for a " suspicion behavior '' given my long good standing with Chase. 

My hardship continues due to this blatant exercising of rights by Chase : - I am told to follow up with Chase to have theses checks cleared rather than them proactively taking necessary actions - I am told that it will take ~6 additional business days for my funds to be credit back- I will have to open new checking account and notify all connected parties - I am not given any apology/compensation by Chase This all sounds like a consumer abuse rather than fraud prevention. 
Hope legislators / consumer agencies take notice.