davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-25
Product: Credit reporting 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)

The account was on a modification and should have not been reporting any late payments as the account was scheduled tp resume payments on XX/XX/24 however the home also sold on XX/XX/24 and they are reporting lateness on the month of XXXX as well have not deleted this from my credit report. 

also : In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 A Section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I requested my personal information to be updated and nothing has changed and I want this off of my report. 

I want the employer to be removed- XXXXXXXX of the month I want that removed off my report. 

I want XX/XX/XXXX put on my report and remove XXXX XXXX XXXX XXXX id not my name never used that name. I want that removed XX/XX/XXXX I want that removed XXXX XXXX XXXX XXXX TX XXXX non mailable address pls remove XXXX XXXX XXXX XXXX XXXX TX XXXX non mailable address pls remove
Consumer complaint received 2021-05-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NY)

Dear Midland Funding, I was sent a letter on XX/XX/2021 by the company XXXX XXXX XXXX XXXX XXXX about an alleged debt that I supposedly owed. On the letter it shows Midland Funding XXXX XXXX as the current creditor but I have not had any debt with your company or XXXX, who it shows as the debt collector. 
I requested for all written verification of the original debt and that it be sent to my address, showing what purchase ( s ) I made and the total principal amount owed on this alleged debt. I also requested a copy of the alleged final account statement from the 'original creditor ' or even from your company, as it shows you being the 'current creditor '. Documentation showing the total for these charges and the fees applied to them, the dates for each fee and the dates each were incurred is also requested. Also please provide the date this account first became past due and the date this account first went into Collections. At a minimum, I'm requesting a copy of the original signed agreement between myself and the original creditor showing proof of such exchange.
Consumer complaint received 2021-05-29
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: Experian Information Solutions Inc. (NY)

Experian continually uses incorrect information to get my FICO Score. MY score is 34pts higher with XXXX and XXXX  XXXX XXXX ) which is quite ridiculous and Experian does't use the correct formulas for calculating scores. a few pts here and there are one thing, but XXXX is not acceptable. Their system is antiquated and they refuse to do something about it. I have sent them many messages and they can't explain why they are incompetent. Many places use Experian as a credit check and it hurts when they are not reporting properly. They need to be accountable just like you and me. Please look into this matter. Thank you in advance XXXX
Consumer complaint received 2021-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I have written to this company and asked that that the information they keep in my credit file be 100 percent accurate and that if its not then they need to correct it. They have not done so. The continued reporting of inaccurate information is a violation of the law under the FCRA.
Consumer complaint received 2018-03-02
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: Bread Financial Holdings, Inc. (MI)

XXXX 's client XXXX XXXX is a victim of ID theft ; her information was used without her consent to try and establish credit accounts. While the applications submitted were not successful the fraudulent related inquiries were posted to her credit reports. Among this are XXXX XXXX XXXX XXXX XXXX ), where a previous CFBP escalation has already been submitted ( see ref # XXXX ) and Comenity Bank ( XXXX XXXX ). Attempts have been made with these creditors to have these items removed however the creditors have no replied to my client with the results of the dispute as is their obligation under federal law ( FCRA ).
Consumer complaint received 2021-12-08
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (GA)

Exeter Finance is continuing to show that my car that was paid off by XXXX XXXX is delinquent and/or charged off due to non-payment. I filed a claim through the credit reporting agencies, which came back saying that the information was true based on the information reported from XXXX XXXX. XXXX XXXX paid my car loan off completely in XX/XX/2020, when I purchased a new car through them. But, again it's showing up on my credit report as a charge off and or delinquent account. I want it removed.
Consumer complaint received 2021-12-08
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. (GA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-05-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CURO Intermediate Holdings (TX)

This company has no contract with me or my written consent to furnish anything on my consumer report nor have i gave ANYONE CONSENT to any alleged creditor and thats Identity theft!!!, statements from a 3rd party is a violation of my right to privacy USC 1681 ( a ) ( 4 ), I have not received any validation or verfication of any alleged debt. i have sent through USPS certified mail # XXXX XXXX XXXX XXXX XXXX  a request for removal from my consumer report to the company involved
Consumer complaint received 2016-04-20
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (DC)

Good Morning, For the past month I have been working solely with Equifax to try and rectify an issue with my credit report being frozen, locked, or blocked. I am in the preliminary steps of of purchasing a home and I have been held up for months now because my lender is unable to access my Equifax report. She is able to access XXXX and XXXX but continues to state that Equifax is locked or frozen. Equifax has been extremely unresponsive and unprofessional with this matter. I have spent myriad hours on the phone with them to no avail. 

I ask that you please contact Equifax and remove ALL freezes/ locks/ blocks on my account and please notify me when you have completed this. I am glad that this resource is available because it has been extremely frustrating trying to resolve this with Equifax.
Consumer complaint received 2021-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

My bank account was closed on XX/XX/2021 by the bank. They reported it to ChexSystems that there is an outstanding balance of {$440.00}. And reported it as Account Abuse THIS IS INCORRECT!! 
<< My last 2 bank statements at time of closure indicate no balance. 
( {$0.00} balance owed ) >> There has been no documentation that has been presented that shows a balance of - {$440.00}. 

** I DEMAND UNDER FEDERAL LAW THAT CHEXSYSTEMS PROVIDE ME DOCUMENTATION FROM XX/XX/ 2021 -XXXX 2021 ( SAME MONTH OF ACCOUNT CLOSURE ) THAT VERIFIES A BALANCE OF - {$440.00} IS OWED ( THE REPORTED CLAIM TO CHEXSYSTEMS XXXX PLEASE PROVIDE THE FOLLOWING : 1 ). My Bank Account Statement from XXXX 2021 to XX/XX/XXXX  2021 that shows and confirms the balance - {$440.00} that was reported to chexSystem. 

WITHOUT THIS BANK ACCOUNT STATEMENT FROM XXXX 2021- XX/XX/2021 SHOWING THE BALANCE OF - {$440.00} THE AMOUNT THAT WAS REPORTED TO CHEXSYSTEMS THEN THIS CLAIM OF - {$440.00} CAN NOT BE VERIFIED AND NEEDS TO BE REMOVED FROM CHEXSYSTEMS XXXX 

FEDERAL LAW INDICATES THAT THE INFORMATION THAT HAS BEEN REPORTED TO CHEXSYSTEMS MUST BE VERIFIED. 
ALL TRANSACTIONS AND BALANCES ARE DOCUMENTED ON THE CUSTOMERS BANK ACCOUNT STATEMENT THEY RECEIVE EVERY MONTH. 
THE ACCOUNT WAS CLOSED XX/XX/2021 SO TO VERIFY ANY BALANCE OWED WE NEED TO VERIFY THE BANK STATEMENT FOR THIS MONTH. IF CHEXSYSTEMS CAN NOT VERIFY THIS BY BANK STATEMENT FOR THIS MONTH ( XXXX 2021 - XXXX 2021 ) THEN THIS CLAIM IS UNVERIFIED AND NEEDS TO BE REMOVED.
Consumer complaint received 2021-05-29
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : -CAPITAL ONE AUTO FINANCE # XXXX -XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2021-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (TN)

On closed accounts, this is the problem I'm having with Wells Fargo as a credit card company there trying to shut down the means of complaining after I shut down the credit card. I believe this techniques is being passed on to other banks, the problem with this is they can send the derogatory information instantly to my credit report and to me personally through the mail an email. And then they will accuse me of not caring about, and being slothful towards account. I've been using email to respond to them immediately when they do something wrong. I believe that is illegal I need answers to this this question if I need to go legal route I will.
Consumer complaint received 2021-05-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have executed and filed a dispute regarding the incorrect items on my credit report. It has been well over 30 days plus and I haven't received any investigation results within a timely manner. All 3 credit bureaus has clearly violated my rights according to the FCRA Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (MD)

Two unrecognized hard inquiries appear on my credit repot ( see attached ), from " XXXX XXXX '' and " CITI CARDS CBNA '', both on XXXX. I did not apply for any cards or loans in that timeframe. 

I was not able to reach anyone via phone to get more details at either XXXX or Citi.
Consumer complaint received 2021-07-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I received an account statement from Huntington Bank - showing I have an account with them. 
I have never visited this bank. I do not want an account with them. 
I am reluctant to reach out to them knowing that they allowed an account to be opened with my information and without my authorization.
Consumer complaint received 2018-12-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

XXXX XXXX XXXX. continuity calls repeatedly even after normal hours on weekends too. The amount they say I owe is not a legitimate charge. The company they purchased it from failed to submit their claim for payment to my Attorney at Law that was paying medical fees & Bills from an Automobile Lawsuit against XXXX XXXX XXXX XXXX. XXXX XXXX XXXX in XXXX, Texas settled the claim and XXXX XXXX XXXX 's Client failed to REQUEST PAYMENT from the Courts on the medical bills which relieved me and my wife of the obligations. But they continue to HARASS us.
Consumer complaint received 2020-11-04
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. (NJ)

XXXX, Transunion and XXXX have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter.
Consumer complaint received 2021-05-29
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. (NJ)

I purchased a vehicle from a dealership in XXXX, NJ called XXXX XXXX XXXX XXXX. The bank that approved me for the loan was XXXX XXXX. As of today it is now well over 60 days since the date of purchase XX/XX/21. The dealership engaged in unfair and deceptive business practices, I still do not have plates for my vehicle. The bank XXXX XXXX has not only failed to obtain the vehicle title from the dealership, they have also engaged in unfair and deceptive business practices. 

XXXX XXXX has violated my consumer rights by violating the FCRA. 
They have reported a vehicle loan on my credit report insinuating that I am paying them for a car that THEY DO NOT LEGALLY OWN. The bank has already paid the dealership for the car. THE TITLE WAS NEVER GIVEN TO ME, I WAS NEVER LISTED AS THE OWNER/ FINANCER OF THE CAR NOR WAS XXXX XXXX LISTED AS THE LIEN HOLDERS. 


THIS ACCOUNT SHOULD NOT BE ON MY CREDIT REPORT, NOR SHOULD I BE MADE RESPONSIBLE FOR PAYMENTS UNTIL THE BANK HAS OBTAINED THE TITLE AND ARE LISTED AS THE LIEN HOLDERS.
Consumer complaint received 2021-05-29
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. (NJ)

I purchased a vehicle from a dealership in XXXX, NJ called XXXX XXXX XXXX XXXX. The bank that approved me for the loan was XXXX XXXX. As of today it is now well over 60 days since the date of purchase XX/XX/21. The dealership engaged in unfair and deceptive business practices, I still do not have plates for my vehicle. The bank XXXX XXXX has not only failed to obtain the vehicle title from the dealership, they have also engaged in unfair and deceptive business practices. 

XXXX XXXX has violated my consumer rights by violating the FCRA. 
They have reported a vehicle loan on my credit report insinuating that I am paying them for a car that THEY DO NOT LEGALLY OWN. The bank has already paid the dealership for the car. THE TITLE WAS NEVER GIVEN TO ME, I WAS NEVER LISTED AS THE OWNER/ FINANCER OF THE CAR NOR WAS XXXX XXXX LISTED AS THE LIEN HOLDERS. 


THIS ACCOUNT SHOULD NOT BE ON MY CREDIT REPORT, NOR SHOULD I BE MADE RESPONSIBLE FOR PAYMENTS UNTIL THE BANK HAS OBTAINED THE TITLE AND ARE LISTED AS THE LIEN HOLDERS.
Consumer complaint received 2021-12-08
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: EQUIFAX, INC. (FL)

I just pulled update of my credit report I already sent you few rounds of complaints, like I said before I dont know any of these accounts. I never apply for it. Why you still posting this information on my name. Im sure that someone have my personal information.
Consumer complaint received 2021-07-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I'm being asked and threatened by USAA to answer personal questions and I whole heartedly disagree with having to reveal information like net worth, I feel that's 100 % just for marketing reasons but yet they're threatening revoking access to my accounts ... I haven't had a single other bank ask these questions and I feel USAA is going too far to collect information they don't need and will only abuse.
Consumer complaint received 2021-02-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Lending Club Corp (WA)

My wife made an online purchase from a company in XXXX XXXX using her debit card. The product arrived with no issues but within days of making the purchase her card was being used in XXXX XXXX and online to make attempted purchases. There were purchases for XXXX, XXXX, XXXX XXXX food delivery, local stores and more. It amounted to over {$3000.00}. Most of them were rejected and about {$2000.00} was returned to our account automatically. I called the bank the day they were made and were still pending and filed a fraud claim. They rejected the claim stating that since the CVV was used they can't return the money. We asked that they escalate the dispute and they again denied it for the CVV. Talking to the customer service agent he admitted that CVV information can be compromised. Both my wife and I work in banking and have extensive experience with fraud cases. We know that CVVs can be compromised and we have not been in XXXX for years, I haven't been to XXXX in over 20 and my wife hasn't been in just as many if not more. 

Their refusal to investigate more than the CVV and refusal to refund is goes against our protections and liability for fraud. They won't refund our money, I will also be filing a complaint with the state Attorney General. Please help to resolve this. The bank is XXXX XXXX, they are now owned by Lending Club
Consumer complaint received 2024-02-26
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: Fidelity National Information Services, Inc. (FNIS) (SC)

The reason you have received this complaint today is in reference to the company called XXXX XXXX XXXX which may be a pay day loan company based on an XXXX XXXX XXXX  and the information listed within my credit report is cited XXXX XXXX company cited based on behalf of another meaning that the company may not have had authority to access my credit report. I know for a fact that I do not have any information in reference to this an I need this off my credit report on the XXXX XXXX. I also have contacted XXXX XXXX and it seems as if they use an XXXX XXXX  XXXX  call center everyone sounds the same and none of them seem to listen, or just plain do not understand XXXX  and this needs to stop., I need the citation to XXXX XXXX, and the company that they work behind to make the inquiry XXXX XXXX to be removed from my XXXX XXXX Report. 

XXXX XXXX XXXX DBA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ND, XXXX The address us wrong on the report and is over XXXX XXXX XXXX, and the phone number is wrong so I don't know what this is all about plius I understand there is a class action lawsuit, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX , GA XXXX It's a business and no phone number - seems legit ( NOT ). How did XXXX verify this if there is no phones number? Please remove from the credit report.
Consumer complaint received 2021-02-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: FISERV INC. (NY)

I opened a XXXX XXXX XXXX account and savings account online on XX/XX/2021. As soon as I opened it it gave me the option to fund my bank accounts via direct deposit from my current bank. I direct deposited {$2000.00} into my XXXX checking account and {$20000.00} into my XXXX savings account from my current bank, XXXX. It left my XXXX account on XX/XX/2021. I received the funds in my XXXX account on XX/XX/2021 and was able to see it in my XXXX mobile banking app. On the same day I received it, that night I received an email that my XXXX account is locked and to visit a branch. I visited a XXXX branch on XX/XX/2021 and they unlocked my account. My {$2000.00} deposit was in my XXXX checking account, but my {$20000.00} was gone from my XXXX savings account. They told me that I would see it back in my account later that day. It never came back. The next day on XX/XX/2021, I returned to the XXXX branch and they told me that XXXX  reversed the {$20000.00} deposit and it should be back in my Santander in 3 business days. I waited 5 business days and I still never received the {$20000.00} back in my XXXX account. I went back to XXXX bank on XX/XX/2021. XXXX said they didnt have the funds because it was sent back. They had me call XXXX and XXXX said they hadnt received any funds from XXXX. Then XXXX said they would have to call Fiserv, which they explained to me as the middle man between the two banks. I came back later that day to the same XXXX branch and was told that someone at Fiserv was assigned to find my {$20000.00} and a claim had been made. I was told I would hear back from them the following Monday. I never heard from anyone. I went back to the XXXX branch on XX/XX/2021 and they had me file a claim with XXXX bank. It is now XX/XX/2021 and I havent heard from either bank about where my {$20000.00} is.
Consumer complaint received 2018-03-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (TX)

Chase is refusing to give me a copy of the appraisal. 

loan : XXXX XXXX I want a copy of the appraisal. They are violating the Appraisal Disclosure Notice.