davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am writing to you to report that I have become a victim of identity theft. Upon reviewing my credit report, I discovered fraudulent accounts and inaccurate information that I believe are the result of identity theft. I am requesting your assistance in investigating and resolving these issues promptly. 

As a consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the Identity Theft and Assumption Deterrence Act ( ITADA ). I am citing these laws to ensure that my rights are protected in this matter.

Under the FCRA : Section 611 grants me the right to dispute inaccurate information on my credit report.

Section 611 ( a ) ( 1 ) ( A ) requires credit reporting agencies to investigate disputes and correct any inaccuracies.

Section 605B mandates credit reporting agencies to block fraudulent information resulting from identity theft upon receiving a proper request from a victim.

Under the ITADA : This federal law establishes identity theft as a crime and provides procedures for victims to report and mitigate its effects.

I am exercising my rights under ITADA to notify you of my status as a victim of identity theft and to request your cooperation in resolving the fraudulent accounts and inaccurate information on my credit report.

Enclosed with this letter are copies of [ identity theft reports filed with law enforcement/FTC. I kindly request that you investigate the fraudulent accounts and inaccurate information on my credit report and take appropriate action to correct them as soon as possible. 

Furthermore, I am requesting that a fraud alert be placed on my credit file to prevent further unauthorized activity. Additionally, please provide me with a free copy of my credit report, as per my rights under the FCRA. 

I appreciate your prompt attention to this matter and your cooperation in resolving these issues. Please acknowledge receipt of this letter and provide me with updates on the progress of your investigation. 

Capital One Credit Card opened XX/XX/XXXX account number XXXX Capital One Auto Loan XXXX XX/XX/XXXX account number XXXX and Vin # XXXX Thank you for your assistance.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Medical Business Bureau (IL)

I recently checked my credit report from Medical Business Bureau and the account listed below show Medical Business Bureau as the creditor. 

This company is NOT the creditor, I never contracted with them, and I sent certified letters to them and also XXXX XXXX XXXX XXXX XXXX XXXX to immediately correct my report and remove this account. Despite my previous disputes regarding the validity of this debt, this company has engaged in deceptive practices by tricking me into making a payment. The Fair Debt Collection Practices Act ( FDCPA ) and the Illinois Consumer Fraud and Deceptive Business Practices Act are to be enforced here. I sent them a certified mail on XXXX
Consumer complaint received 2022-05-18
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: TRUIST FINANCIAL CORPORATION (MD)

my mortgage company bb & t changed its name to truist the bb & t name vanished from my credit file for 30 days, my credit score was XXXX then it took a dive to XXXX, and I lost critical points in the process. I know you are in the process of helping companies make money off of the taxpayers by keeping them in a low credit score bracket. doing this pandemic people are already in a low credit score bracket. if i wanted to refinance my home would have had to pay a higher interest rate because this credit score dived to XXXX i feel that my credit score should not have taken the dive, being protected under the fair credit act of XXXX - XXXX.
Consumer complaint received 2021-11-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

I recently satisfied a loan that was effecting my taxes every year by refinancing it, so that my new escrow analyses would be correct and make my mortgage payment lower. 

I notified my XXXX XXXX with several emails communications and attached documents proving an error had occurred with the property tax amount and that is was being corrected by the county. Once the correction was made i sent the mortgage escalation team the corrected document showing the change but they disregarded the change and paid the {$12000.00} in property tax amount that was incorrect. They will be doing a escrow analyses and my escrow account is in the negative over XXXX and the company will not make the correction to reflect the right amount due on the taxes of XXXX The issue has been well documented and the mortgage company was well aware of the mistake and still paid out the wrong amount to XXXX XXXX XXXX
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: EQUIFAX, INC. (FL)

I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 
Hard InquiryXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Delete this unconfirmed inquiry lacking certified evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C.

1681 ET SEQ. Section 604 of Fair Credit Reporting Act
Consumer complaint received 2021-11-13
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: Santander Consumer USA Holdings Inc. (DE)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Also, this is to inform you that there is no third party involve in this process. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by the Bureaus. Despite sending them written letters for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, they have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : CHRYSLER CAPITAL Date of inquiry XX/XX/2021
Consumer complaint received 2023-06-22
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. (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. 

Account name : XXXX  Accountnumber:XXXX Account name : XXXX XXXX  Account XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  Account number:XXXX  Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number:XXXX  Account name : XXXX XXXX XXXX Account number:XXXX  Account name : XXXX XXXX Account number:XXXX  Account name : XXXX  Account number:XXXX  Account name : XXXX XXXX  Account number:XXXX  Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX  Account number:XXXX  has violated my rights. Or 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 2021-11-13
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 (DE)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Also, this is to inform you that there is no third party involve in this process. Upon reviewing my updates, incorrect information was found in my reports. The Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : CAPITAL ONE AUTO FIN Date of inquiry XX/XX/2021 CAP ONE AF Date of inquiry XX/XX/2021 COAF Date of inquiry XX/XX/2021
Consumer complaint received 2022-12-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (CA)

Made ridiculously high payments on time they made a payment plan for late fees that I did not even owe and I do not know how to fix this because when I do get in contact with someone they're trying to make a new payment plan for things I don't understand you're telling me I was late for my first car payment after I paid my first car payment right after it said it was late already so it's always been late since I began to pay for the car which is very awkward
Consumer complaint received 2019-07-22
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. (NY)

My identity had been stolen, someone has opened credit cards in my name, your company has previously removed or block this in formation however you have placed it back in my credit damaging again my credit, please remove this XXXX XXXX   from my credit report.
Consumer complaint received 2024-04-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: VIAMERICAS CORPORATION (PA)

Hi I initiated a money transfer with XXXX on XX/XX/XXXX. When I initiated website showed it will be credited to my account in XXXX on XXXX XXXX after the completion of the transaction, it said it would take 6 days. so I immediately sent a cancelation request, next day on XXXX XXXX I saw a withdrawal from XXXX. 

After series of email exchanges, they said money will be refunded after 7 days, and sometimes XXXX business days which is supposed to be XXXX XXXX. 

No one wants to own the problem and resolve and they have taken the money against my approval TX ID for ref : XXXX They entice people initiate transfer stating 2 days and everything changes on completion of transaction. 

I'm attaching a sample clip where it always shows money delivered in 1 day
Consumer complaint received 2023-04-15
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. (IN)

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 Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX 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 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 2022-05-20
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. (FL)

In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX company name XXXX XXXX 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.

5 USC 1666b : A Credit may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc. (CA)

In accordance with the Fair Credit Reporting Act, these creditors : XXXX -Kickoff Lending XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights under 15 U.S.C 1681 section 602 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 under 15 U.S.C 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-10-04
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: Experian Information Solutions Inc. (CA)

The following inquires were due to identity theft 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 2022-05-20
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 the Fair Credit Reporting Act XXXX  Account # XXXX company name XXXX XXXX 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.

5 USC 1666b : A Credit may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
Consumer complaint received 2021-11-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TekCollect Inc. (NC)

I had a medical debt of {$160.00} which i wasn't aware of until I was in process of refinancing my home. I had never received any phone, letter or email communication from them. The company is called XXXX from Ohio. Had i known, i'd have paid it off for a such a small amount. They reported to my credit which took a long time to build. I paid that off immediately but my credit 's gone down significantly for {$160.00}. This happened during covid when i was laid off from my job Is there anyway you could help me?
Consumer complaint received 2022-12-16
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: DISCOVER BANK (MO)

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 an open end consumer credit plan as late for purpose.

44.8K
Consumer complaint received 2022-05-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (NJ)

the alleged debt from XXXX  XXXX was sold to a 3rd party " RESURGENT ACQUISITIONS, LLC '' without my permission, and I have been contacted several times via email and text message by the 3rd party " debt collector ''. they are harrasing me and using abusive words such as " debt '' and " owe ''.
Consumer complaint received 2021-11-13
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: EQUIFAX, INC. (MD)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later, I have not received a response yet. I feel like I am being taken advantage of as well as my disputes are being ignored. As plainly stated in SECTION 611 ( a ) a failure to investigate these items within 30 days gives a reason to IMMEDIATELY remove those items from my credit report. I has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this have caused me. my information was also impacted by the Equifax data breach and may have got in the the hands of the wrong person.
Consumer complaint received 2021-11-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE (OH)

During mid-XX/XX/XXXX, I received notice from the USPS that it had unsuccessfully attempted to deliver a letter from Huntington Bank ( which had been my bank for business and personal checking and savings accounts for over 20 years ). The notice gave no indication of the content of the letter, so I took little notice. A few days later, in conversation with my estranged wife, who also held accounts with Huntington, I learned that she'd received notice that all of her Huntington Accounts were being closed by the bank because she had " exceeded the risk threshhold. '' I immediately called the customer service center, where ( after being transferred once or twice ) I was only told that my accounts were to be involuntarily closed on or around XX/XX/2021. The call center reps were either unable to or prohibited from explaining why. I mentioned that I had received no formal notice until this, so I was advised a second letter would be sent. It was not actually delivered to me until well after all accounts had been closed, in XX/XX/2021. ( The letter said roughly the same thing -- being closed because I had " exceeded the risk threshold '' or something similar ). The representatives were unable to tell me the reason, and there was no appeal process. I spoke to my branch manager, who, although professional, could not ascertain the reason from resources within the bank, either. 

The entire scenario was disruptive to me. I'm in the midst of a Chapter XXXX bankruptcy petition, so losing access to all of my previous statements online forced me to scramble to gather my electronic statements in paper. In addition to the inconvenience in regard to my bankruptcy process, I was forced to transfer all of my business and personal banking to a new bank, which was tremendously inconvenient. I also had to rearrange my pre-scheduled/auto debit bills and expenses, including my IRS child tax credit , one vendor at a time, which led to some disrpution in my payment of my routine expenses. It also disrupted my invoicing/receivables for my business. As is common when entering a new banking relationship, many of my business receivables were placed on temporary holds for a month. Most importantly, I was never given a transparent or direct explanation as to why my banking relationship with them had been terminated by them after 20 years. Telling me my accounts are being terminated unilaterally because I somehow " exceed a risk threshold '' would be no better than me telling my wife I'm seeking a divorce on the grounds of " lack of satisfaction. '' If this is what Huntington truly is, then I thank them for showing me the truth. I have no desire to work with them ever again. And while the termination and the manner in which they gave " notice '' may or may not be legal, I'll be sharing my story with anyone and everyone I know.
Consumer complaint received 2021-11-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc. (NY)

I saw unauthorized transactions from a company I have never heard of in my checking account. Something called Money Lion. On XX/XX/2021 Someone set up an account under my name with Money Lion and they proceeded to make 2 charges under : XXXX XXXX XXXX via this Money Lion company both charges were {$500.00} each. I also received a phone call with the caller ID as my bank name and the bank told me they never even called me. I have contacted Money Lion and they closed the unauthorized account which they say was made on the same exact day as these charges showed up in my checking account, XX/XX/XXXX. I went to the bank yesterday XXXX and sat with a banker to tell them of the fraud that has taken place. My bank has closed my checking account. Today I emailed and called this Money Lion to report this and they told me they would close it. I want this investigated as I am terribly upset and concerned!