davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-09
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: Experian Information Solutions Inc. (PA)

This complaint will be my sixth complaint about my credit report and scores. I have already told in earlier complaints that I was faced extreme hardship when I was in California, that time am not able to make payments and my car my wallet was stolen I have police report. Now I am paying my owes. This information I have told to XXXX XXXX XXXX and XXXX and experian. Still am facing hard time due to these three companies. I am applying XXXX  credit card they were denied me because of your credit report. So here is the bottom line if You dont repair my credit I will put case against XXXX XXXX XXXX XXXX and experin and I will put discrimination case too, I will approach leagally a lawyer.
Consumer complaint received 2017-12-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

This complaint will be my sixth complaint about my credit report and scores. I have already told in earlier complaints that I was faced extreme hardship when I was in California, that time am not able to make payments and my car my wallet was stolen I have police report. Now I am paying my owes. This information I have told to Bank of America and XXXX and XXXX. Still am facing hard time due to these three companies. I am applying XXXX  credit card they were denied me because of your credit report. So here is the bottom line if You dont repair my credit I will put case against Bank of America XXXX and XXXX and I will put discrimination case too, I will approach leagally a lawyer.
Consumer complaint received 2022-10-06
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. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Systemic institutional racism has, and continues to rear it's ulgy head, again!!! 

XXXX has erroneously inaccurately reported my account number XXXX as 90 day late which is incorrect for 2 reason : 1 ). I am/have NOT been 90 days late, or in fact EVER 30 days or more late making my monthly payment. 2 ). Due to the current pandemic I have been under a 90 day forbearance agreement that started in XX/XX/2020, to XXXX XXXX2020, and has been extended a additional 2 months. 

Also, per the recorded legal verbal consent from the XXXX representative I was clearly informed that there would be NO late payments, nor late fee assessments reported to the credit reporting agencies! 

In addition I have NEVER been contacted, nor notified to arrange any repayment plan, loan modification, or extension of the forbearance plan arrangement.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WA)

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.

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 2022-10-06
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: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an 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 2017-10-04
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Bureau of Carbon County (CO)

I 've gotten several calls on my cell phone from these people ( XXXX XXXX XXXX at XXXX and XXXX am ; XXXX XXXX XXXX at XXXX and XXXX am ; XXXX XXXX at XXXX and XXXX am ) and as I do n't know their number, I do n't answer. 

What leads me to believe this is a scam is that I 've never given my cell phone number out to anyone other than family and friends, nor has this company ( internet searches of their phone number show them to be " XXXX XXXX, XXXX '' ) sent me any written correspondence like a reputable or real collection agency would. 

When I called them today to find out who they are, they refused to identify themselves or the nature of their business. I told them to remove my name from their list and they demanded my name, address, and SSN to make sure I was not the person on their account. This is a clever way to get my personal information, and they refused to remove my name without receiving all my info first. Needless to say they got no information off me, but they 're still out there trying to scam people.
Consumer complaint received 2017-12-09
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: EQUIFAX, INC. (CA)

when I took look at my credit report I notice some Hard Inquiry that I know I did not give permission to run. I look at all of the majors credit agency each one is showing something different. with these hard inquiry cause my credit score to drop. I would like these hard inquiry to be correct and remove. from all three credit agency. 

This is list of all the Hard inquiry. 
XXXX. XXXX XXXX XXXXXXXX DATE : XX/XX/XXXX 2. XXXX XXXX -- -- -- DATE XX/XX/XXXX 3.XXXX XXXX XXXX -- -- -- - DATE .... XX/XX/XXXX 4.XXXX XXXX XXXX. -- XXXX DATE XX/XX/XXXX 5.XXXX XXXX XXXX  DATE XX/XX/XXXX.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2021-08-07
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: Experian Information Solutions Inc. (NY)

To whom this may concern, I have recently noticed fraudulent activity on my credit reports. as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. Please can you remove the disputed items as soon as possible.
Consumer complaint received 2017-12-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

XX/XX/XXXX I contacted XXXX XXXX of Huntington Bank for a mortgage preapproval. After paying of back taxes and presenting additional financial information XXXX stated he contacted the credit agencies to have the tax information removed from credit reports. He sent me a preapproval letter on or about XX/XX/XXXX. On or about XX/XX/XXXX I sent him a purchase agreement for a condo I wanted to purchase. I was waiting for XXXX to send me the loan application so I can begin to close process. I contacted him over and over most of the time with no response. I intended on using down payment assistance from OHFA because I had limited funds, so I asked XXXX if he had submitted the documentation to OHFA, he asked if I could get gift funds from some one because he did not want to deal with OHFA 's grueling paperwork. I told him I needed those funds and I did not hear from him for about a week. When he finally emailed me it was to tell me he could not do the loan. Then responded with counterclaims for his reasons why, which caused him to contact me by phone and state he made an error and would look over my documents again. I called back again asking me if I could get gift funds and I stated no. A couple of days later ( XX/XX/XXXX ) he sent me loan documents not including the down payment assistance funds and over {$6000.00} in closing cost. I sent him an email with questions which he never responded. I was due to close on XX/XX/XXXX and I had not received a response to my calls, texts or emails. Then after calling him about 9 times he answered and said " he was not able to get me approved for the same reasons as before. '' The reasons before were not valid. Now I have losed the opportunity to purchase my dream home and I am homeless.
Consumer complaint received 2021-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I made a payment to my Bank of America small business account on XX/XX/2021 for XXXX . The money was drawn from my account the same day and applied to my balance the same day. It is XX/XX/XXXX today and they will not update my available balance allowing me the credit I paid for. I spoke with XXXX XXXX who stated they can hold my money for 3-5 business days which I believe is terrible to do to a small business and being they took my money out of my account on XX/XX/2021. I believe they are being unethical and punishing people by holding there money and releasing the credit when they feel like it. Please do something about this to help other small businesses in the future. In todays day in age sending money via XXXX or other platforms is instant and it is hogwash that they can hold my money and credit limit down for 7+ days. 

Thank you
Consumer complaint received 2020-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX  XXXX # XXXX is reporting an account with a balance to my credit that should not be on there. I settled this account a while back and it says it is settled on my credit report, but it is still reporting a balance. It should not have a balance on it and I need this account removed.
Consumer complaint received 2023-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX I contacted XXXX about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$530.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXXXXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$47.00} ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$3800.00} XXXX  ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX XXXX ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$330.00} XXXX XXXX XXXX XXXXXXXX XXXX. ). Its been over 45 days and XXXX havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Systemic institutional racism has, and continues to rear it's ulgy head, again!!! 

XXXX has erroneously inaccurately reported my account number XXXX as 90 day late which is incorrect for 2 reason : 1 ). I am/have NOT been 90 days late, or in fact EVER 30 days or more late making my monthly payment. 2 ). Due to the current pandemic I have been under a 90 day forbearance agreement that started in XXXX XXXX, 2020, to XXXX XXXX2020, and has been extended a additional 2 months. 

Also, per the recorded legal verbal consent from the XXXX representative I was clearly informed that there would be NO late payments, nor late fee assessments reported to the credit reporting agencies! 

In addition I have NEVER been contacted, nor notified to arrange any repayment plan, loan modification, or extension of the forbearance plan arrangement.
Consumer complaint received 2022-10-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (PA)

Car was broken in to, and wallet was stolen. Someone stole my identity and created XXXX XXXX accounts. Called Enhanced Recovery spoke with XXXX XXXX ( Service Rep ) and XXXX XXXX  ( Supervisor ) they said they could not find me under my Social Security number. I told the company this was fraud.
Consumer complaint received 2017-12-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (CA)

On XXXX XXXX, XXXX, I initiated a purchase of 10 Ethereum for {$1900.00} The website showed that the transaction has " COMPLETED '' and everything looks normal. The website still shows this transaction as " COMPLETED ''. 

On XXXX XXXX, XXXX, Coinbase deducted XXXX XXXX from my Coinbase account. 

I did not authorize this transfer. I authorized {$1900.00}, not XXXX BTC for the purchase of ETH. Please return my BTC and debit my bank account for this purchase.
Consumer complaint received 2017-12-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A. (LA)

Original debt was closed and processed by original creditor and then XXXX XXXX  purchased from secondary lender. Now the balances are completely incorrect from what actually was paid off as well as denied debt validation. XXXX also hasnt tried to reach me before going to court and filling a lawsuit.
Consumer complaint received 2021-09-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX  XXXX XXXX, SC XXXX has been sending me collection notice in the amount of {$980.00} the collection has been reported as pass due. I do not know this company. I never have did any business with this company, this company this not have a contract with my signature.
Consumer complaint received 2019-11-08
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. (NJ)

Account # : XXXX Account Type : Revolving Account Type - Detail : Credit Card Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$540.00} No. of Months ( terms ) : 0 High Credit : {$540.00} Credit Limit : {$400.00} Past Due : {$540.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX
Consumer complaint received 2017-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is a utility account open XXXX XXXX. I did n't open this account, however I paid it in full in the early months of XXXX, I believe it was around XXXX or XXXX XXXX account had an outstanding balance of {$71.00} dollars. I paid it because at that time I was buying a house and it was an outstanding negative balance on my credit profile. 

The credit agencies are still showing this as an negative account. I disputed this account with the credit reporting agencies and I guess they must have contacted the utility company and the company says this account is still showing not paid and as a charge off.
Consumer complaint received 2017-12-08
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

My husband and I have been Toyota owners for over 20 years. We lease our vehicles, and replace them every 3 years so I have had lots of interaction with Toyota. Most recently, we both upgraded to XXXX, and I elected to turn in my XX/XX/XXXX Toyota Prius after a year and a half into the 3 year lease. I am disappointed that I missed the single notice from Toyota ( Toyota sends ALOT of mail ) 4 months after I turned in the vehicle for an additional {$700.00} due, only to be referred to collections 21 days later. Additionally, my husband received his final bill on his lease for mileage within 30 days. 

I called Toyota Financial Services and the manager indicated they are not able to help me. 

I have called the collections company, XXXX XXXX 3 times, and left messages for 3 different people. Before XX/XX/XXXX, on XX/XX/XXXX, and on XX/XX/XXXX, at XXXX. 

I emailed Toyota Motor and they referred me back to Toyota Financial. I 've emailed Toyota Financial earlier today and am waiting to hear back. 

I am VERY disappointed that A ) I am not able to find out what the charge is for ; B ) Toyota only sent one notice ; and C ) This company who Toyota has agreed to do business with has the ability to impact my credit wont return my calls. 

I am so upset that I am trying to resolve this issue and I am not able to get anyone who can and will speak with me. I am very concerned about this impacting my credit and I have a hard time understanding after 18  months with this car, what the issue might be. 

Finally, I am spending way too much time trying to resolve this issue which is beyond ridiculous.
Consumer complaint received 2017-10-04
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 disputed the error with Transunion, and they stated that the information was verified. I know this in not true because I called the XXXX myself and they stated they do not confirm Bankruptcy. After contacting Transunion numerous times about reporting a Bankruptcy on my credit report they refused to remove it without verification. The XXXX XXXX of Georgia does not verify Bankruptcies. I called and spoke with the court and she stated they do not confirm Bankruptcy to the credit bureau 's. I feel Transition is violating my rights, by reporting information that they can not verify.