davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-06
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 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 2015-08-19
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

It has been several years now, I did n't know about the CFPB at the time, my sister and I had inherited our grand parents house a XXXX family building. We were fixing and selling it, in the mean time she had found out XXXX, on the same day she got notice to appear in court for a Capital One credit card that she had fallen behind on cause she was being treated XXXX and not able to work XXXX The XXXX on her mind she had forgotten about it and no one else knew about it. She had signed the house over to me to cover a loan we had on the building for down payment on a house she was getting with her daughter. She passed away about a year later, we finished on the building and put it up for sale. We had gotten a buyer and when we went to close found out there was a lean on the building from Capital One for the loan my sister owed, well her loan started out at about {$2000.00} and at the closing was over {$5000.00} and had to pay before we could close on the sale. We knew nothing about this and was never notified about the lean if we had been we could have paid off the loan earlier. When we called and talked to the lawyer that was handling the loan he said they did n't have to notify anyone, if we had n't sold the building when we did they would still be adding interest to the loan and we would n't have known about it. My complaint is that people should be notified about these leans when there are more than one name on a property cause if we had n't sold that house till 20 years down the line can you imagine what the amount of interest would have built up.
Consumer complaint received 2016-01-22
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (CA)

credit unless I gave them permission. I told them I did not want my credit record checked. They assured me that it would not go on my credit record id I gave them some information. 
After checking my credit record I am seeing that they lied to me. There are a few checks by XXXX XXXX on XXXX XXXX, 2015, XXXX XXXX, 2015 and XXXX XXXX, 2015. The man named " XXXX '' insisted that it would be a soft inquirey that would not show up on my credit record. This is now affecting my credit score.
Consumer complaint received 2017-01-05
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I spent most of last year building my credit in preparation for a home purchase. In XXXX or XXXX I called Transunion to find out why they had not mailed my score to me yet. They told me my score on the phone, reported it as XXXX ( I later received written notice that the score was XXXX ). I called the bank and told the mortgage counselor my score and they advised me to have my credit run for a mortgage. The bank ran my score and told me it was a XXXX. I asked them to remove the inquiry because I relied on false information given to me by Transunion. The bank refused. Transunion refused to help me in that request.
Consumer complaint received 2024-02-16
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. (MD)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, Experian, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Reve
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2015-06-23
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Renton Collections Inc. (WA)

I do n't know how this company is even still in business with all of its complaints, XXXX rating, etc. They lie, degrade, yell, threaten, etc. Absolutely intolerable behavior. Other collection companies to not behave this way. XXXX is XXXX that lies and threatens and condescends and is always rudely sarcastic. This must STOP! Why is this allowed?
Consumer complaint received 2019-06-01
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. (IL)

Back in XX/XX/XXXX I went to finance my first car. I went to a dealership and authorized them to run a couple credit lender inquiries in the local area. I had no prior credit, and used a co signer to help get me accepted for a loan on a vehicle. 
While on XXXX XXXX I noticed there are 9 hard credit inquiries that I had no idea even took place. I would like them removed prior to the two years from my credit report so my score will be better. In the end, I chose one lender which is not even listed on the inquiries below. My biggest concern is minimizing the amounts showing as it was for one automobile loan, and the dealership ran that many without my knowledge. 

Inquiry details ... 

XXXX Inquiry from XX/XX/ Misc. 

XXXX XX/XX/XXXXInquiry fromXX/XX/XXXX XX/XX/XXXX XXXX Inquiry fromXX/XX/XXXX Finance XX/XX/XXXXInquiry fromXX/XX/XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX Inquiry from XX/XX/ XX/XX/XXXXXXXX XXXX Inquiry fromXX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/ Finance
Consumer complaint received 2015-10-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I started a re-fi on my current main mortgage. During the process my wife accidentally paid our mortgage payment to a credit card from the same bank. ( Bank of America ) Once we found the error I promptly called my re-fi agent and asked him what I should do to make sure the re-fi went through as scheduled. He had me call mortgage customer care. I spoke to a gentleman there, agreed on a payment date and made the payment on that date which he promised would keep me current and work for the re-fi. They still cancelled the re-fi and told me they could not see the notes the care agent entered. I told them this was not fair and that it is not my fault they have a technology problem. We even went to a branch to pay in full and they told us we did not have to as it did n't show in the system we were overdue/late I called mortgage customer care and demanded escalation. The escalation agent agreed that this should not have happened and she would help take care of it and call me on my cell in 48 hours with a resolution plan. Never got the call back. I called in and no one could help me. By this time I was already receiving foreclosure notices ( Have faithfully paid this mortgage for over 13 years ) and then suddenly the bank sells my loan after servicing it for 13+ years. Now I am in a bad financial position and it is the banks fault as I followed everything they told/asked me to do. And I am out the money I had to pay out of pocket for certain fees. This re-fi should have been a simple and quick HARP deal and because of an honest ( And documented ) mistake I was thrown into possible foreclosure. I will be calling the state provided lawyers in the foreclosure documentation and would also like to know what you recommend.
Consumer complaint received 2019-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I started using XXXX XXXX and realized there is a secured credit card through Bank of America under my name being used. I have never applied or obtained such card and I have only had a secured credit card through XXXX XXXX in the past and it was paid and closed over 2 years ago. This card is being used and paid under my name and its not accurate. I have no such card or account. I tried submitting a complaint through XXXX but its asking me for an account number to the card which I have no knowledge of, or possession. Please help me investigate this matter or please advise what I should do. Thank you very much. 
Kind Regards, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I opened an a credit account with  XXXX   XXXX    XXXX    XXXX   XXXX  in  XXXX  of  XXXX . There was an immediate problem with me receiving my statement and I was marked 30 days late. At that time in  XXXX ,  XXXX   XXXX  was to correct this information on my credit bureaus but never did! I closed and paid off my account. I opened another account with them in  XXXX  with no problems until the present. They once again said they would remove the negative information ( per attachment ) but never did. I think they keep confusing the  XXXX  accounts. The removal is to be fro the account ending in ...  XXXX .
Consumer complaint received 2016-03-18
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XXXX XXXX, 2016 the XXXX auto payment in the amount of {$540.00} due Capital One Auto Finance was deducted from my checking account. The following day- XXXX XXXX, 2016 Capital One again deducted {$540.00} from my checking account. 
For the past 2 weeks, I have been contacting Capital One trying to get the double payment reversed. 
Today, Capital One asked me why I had n't contacted my bank to reverse the charge. I explained that XXXX XXXX XXXX requires customers to contact the merchant before filing a claim. 
Capital One is refusing to reverse the 2nd payment. They are insisting that if they reverse the XXXX XXXX payment, my XXXX payment will be due on XXXX XXXX. 
They took out my XXXX payment on XXXX XXXX. How many payments do they need for the month of XXXX?
Consumer complaint received 2016-01-07
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Trans Union -- what a wonderful company ( lol ). Will not give me my free credit report for the year unless I pay for it. Trans Union online dispute form is always down and will not allow me to sign in or sign up. The security questions I have to answer truthfully are not factually correct to access my free online report. So when I answer truthfully then Trans Union claims I am not who I say I am. There are many problems with Trans Union. I ca n't be the only consumer to complain about Trans Union and these issues. XXXX/XXXX credit card has been closed by me for more than 10 years yet XXXX and Trans Union refuses to delete this from my credit report. In the meantime Trans Union denies me free online access to my credit report as well. Why? Trans Union, a XXXX XXXX XXXX taking advantage of the consumer.
Consumer complaint received 2016-05-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

In XXXX 2014 we missed one mortgage payment. Since that time, almost 2 years now we have been trying to complete a loan modification with Capital One. They continue to state that we are missing documentation, they ca n't read a date or signature on forms, etc. I have most of the documentation from them especially the one where they stated they ca n't read the date or the signature. The point is that they are stalling and stacking up fees and destroying our credit. There are many examples of this on the internet so I know that we are not the only ones dealing with this issue. We have not missed a mortgage payment since 2014 and we are willing to work with them to figure this out. They sent us a letter stating that we have a single point of contact so they abide by the law yet I have never heard from my single point of contact. When I call my single point of contact I get someone else every time. At one point we had someone named XXXX working with us and he has flat out lied to us several times. He told us that he called and left us messages which is not the case.
Consumer complaint received 2019-06-01
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: EQUIFAX, INC. (CA)

XXXX XXXX ACCOUNT # XXXX OPEN DATE XX/XX/2014 IS A FRAUDULENT ACCOUNT AND DOES NOT BELONG TO ME. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT.
Consumer complaint received 2019-06-01
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (MO)

On XX/XX/XXXX, I ordered products with a Free Shipping event. When my order was shipped, I was charged for shipping. My order confirmation clearly shows shipping was " FREE ''. I contacted the company and they replied " Thank you for emailing QVC. I apologize for the confusion we may have caused, our XXXX XXXX  special was for 4 easy pays on all items, not free shipping.Thanks for your understanding. It has been a pleasure assisting you. Thank you for shopping with QVC! '' I sent a copy of my confirmation and the QVC XXXX XXXX Free Shipping Event ad. Still they did not honor the Free Shipping. 

This is false advertising.
Consumer complaint received 2019-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NY)

Recently in wrote you and asked that you remove a delinquent account status and you replied that it is not reporting delinquent and that is far from the truth. I have enclosed proof of said account and ask that you correct the information on my report.
Consumer complaint received 2016-04-22
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

My friend add me As join account to his credit card but they restrict the account because of the fraud issue after summit all my information and validate my information gave me hard time in customer service because they never receive anything and always speak to someone who is out the country and have no idea about law in this country.
Consumer complaint received 2016-08-15
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On Thursday XXXX XXXX 2016 at approximately XXXX am I was denied service from a Bank of America located at XXXX XXXX XXXX XXXX, XXXX, Wa XXXX. I went to have my account verified as required by HUD for low income housing and was told by the manager XXXX that they would not be able to sign paperwork given by HUD verifying my bank of America account.When I asked why the only explanation that was given was that she did not feel comfortable verifying my account. I have been a bank of America customer for 10 yrs and know that this is not common practice.
Consumer complaint received 2016-05-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (VA)

After receiving Citibank offer in mail in XXXX, about applying for Citi XXXX account and performing XXXX bill pay in each of XXXX consecutive months I would get XXXX ThankYou points, I thought that that 's a great offer and I opened new account with Citi. Right after they approved me for new account, I contacted Citi via their secure message system to verify if offer noted on my account, I received confirmation of that ( XXXX ). I completed requirements in XXXX, and made an inquiry about my bonus in XXXX XXXX XXXX XXXX, but was told that I need to wait 3 months for that. Next inquiry was in XXXX ( XXXX ) when I was told that I will be getting my bonus in the beginning of XXXX. After my last inquiry in XXXX, I received letter that I 'm not eligible for promotion, and not getting my bonus.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or amend the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-07
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. (MI)

In accordance with the fair credit reporting act XXXX XXXX XXXXXXXX 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 my account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on credit card account under a open end consumer credit plan as late for any purpose
Consumer complaint received 2022-02-15
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)

I have read through my credit report provided by you and cant seem to make sense of this data you report. I need your help and would appreciate expedited investigation on this. 

A collection is late by default and therefore can not report a late payment. Remove account for violation. 

XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account number:XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) ( HIPPA code ) This is a collection/charge off how can there be a late payment on it? This a Violation. Delete this account immediately.
Consumer complaint received 2022-09-07
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. (MI)

In accordance with the fair credit reporting act XXXX XXXX XXXXXXXX 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 my account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on credit card account under a open end consumer credit plan as late for any purpose
Consumer complaint received 2021-06-06
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: Experian Information Solutions Inc. (CA)

There are XXXX accounts on my credit report that do not belong to me now I have gone thru the bureaus and the furnishers I have been sending them multiple letters and phone calls regarding this how is this on my credit report if it's not mine I need this taken care of ASAP!!! 

Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX I Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account
Consumer complaint received 2019-06-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

ON MY CREDIT REPORT THERE ARE FEW FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. THESE ACCOUNTS DON'T BELONG TO ME. THESE ACCOUNTS WERE OPENED WITHOUT MY CONSENT.