davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-17
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. (MD)

I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.
Consumer complaint received 2021-12-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (MD)

Looking to refinance my primary mortgage, so applied on XXXX website, as part of the process by creating an application. 

After deciding to move forward with another lender, I decided to withdraw my XXXX application. However, there are no tools on their webpage that enables a consumer to withdraw their application. 

XXXX XXXX about this and they indicated that they will rather withdraw on their end. 

This makes consumers vulnerable to XXXX and I think that is a predatory/UDAAP practice.
Consumer complaint received 2019-05-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (UT)

MIDLAND FUNDING LLC and XXXX XXXX has erroneous been reporting a fraudulent debt in my name. I was able to find the police reports in regards to this matter. It was hard to find after our house flooded we lost most documentation. The detective emailed me a copy of the police report information. 

Police Report ( Case Number- XXXX-XXXX )
Consumer complaint received 2022-04-07
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

The date of XXXX XXXX at approximately XXXX I decided to go to XXXX XXXX XXXX to finance a Vehicle XXXX XXXX XXXX XXXX During this Process I worked with manageXXXX XXXX he proceeded to walk me through the entire process and explain to me the requirements for financing the vehicle. He asked if I would be putting anything down on the vehicle. I explained to XXXX, I wouldn't be putting anything down since they were under Truth In Lending Act pursuant to 15 U.S. Code 1605 : ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges. 
( 2 ) Service or carrying charge. 
( 3 ) Loan fee, finders fee, or similar charge.

( 4 ) Fee for an investigation or credit report.

( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.

( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed. 

XXXX then begin to tell me that a down payment was required, even though I'd just explained to him the laws and also explained to him it was false and misleading information. Pursuant 15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder. 

XXXX explained that I'd been denied by Capitol One Auto Finance. I then explained to XXXX once again that this was false and misleading and pursuant 15 usc 1681 thats adverse action because they can not deny me an extension of my own credit.
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2022 I sent a dispute letter to Experian about a account that is inaccurate, I have yet to get a response from them as of XX/XX/2022
Consumer complaint received 2021-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TN)

On Friday XX/XX/XXXX, I was scammed by someone I thought was an employee of XXXX. I was on the phone attempting to reverse a charge. They had me download an app called " XXXX XXXX '' where they were going to " verify '' my charge. I started to get suspicious and the person hung up on me. I then called my bank, Wells Fargo, and explained what was happening. They closed both my checking and savings and opened new accounts for me. Over XXXX was taken from my account. Wells Fargo was " investigating '' a {$500.00} XXXX charge that the scammer sent while inside my banking information. 

I was in the middle of a move from XXXX XXXX to XXXX XXXX I had no debit card. I had no access any of the funds I lost. If not for my fb friends, I would have had no money to move with. 

Today after calling Wells Fargo, I heard that my claim was denied. If this wasn't fraud, then why did the first employee I talked to close both my accounts? Why am I being penalized by not getting my money back.
Consumer complaint received 2021-07-15
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: DISCOVER BANK (VA)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2022-04-28
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. (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 open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

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 + open end consumer credit plan as late for any purpose.

4741
Consumer complaint received 2021-05-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

After ive sent my FTC report, a 609 letter and my Affidavit of ID theft, ive contacted XXXX and Transunion and asked them to confirm if they have received those documents and they stated that they did received them .They are refusing to block or removed the fraudulent account as the Law says which is a violation in Section15USC1681C2 of FCRA. They said there is nothing they can do about blocking it or removing it from my credit report.
Consumer complaint received 2021-12-03
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. (OH)

I am not an attorney or third party rep. I have a legal right to dispute items on my report. Going over my credit report and notice some accounts does not belong to me. The accounts need to be deleted from my credit report immediately. This is an act of fraud and I am a victim of fraud. Here are the accounts : -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 -SXXXX XXXX XXXX # XXXX -XXXX XXXX  # XXXX
Consumer complaint received 2020-10-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CHALLENGE FINANCIAL SERVICES (CA)

I have had the loan for 3 years and my principal balance has not gone down. I tried to call them to ask questions regarding the terms of my loan, but no one has called me back. I asked for a copy of my contract several times and no one has sent it to me or called me back with details of my loan.
Consumer complaint received 2019-05-10
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. (FL)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, AFTER REVIEWING MY CREDIT REPORT I REALIZED THAT THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY FILE. I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY MARKS AND HAVE THEM REMOVED OFF MY CREDIT.
Consumer complaint received 2022-04-07
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. (GA)

In accordance with the Fair Credit Reporting Act, XXXX Account : XXXX XXXX {$5800.00} Open On XX/XX/XXXX Account : XXXX XXXX {$250.00} Open On XX/XX/XXXX Account : XXXX. XXXX XXXX {$560.00} Open On XX/XX/XXXX Account : XXXX XXXX {$820.00} Open On XX/XX/XXXX Inquiries-XXXX XXXX XXXXXXXX XXXX On XXXX XXXX XXXX XXXX XXXX On XXXX XXXX XXXX XXXX  is a Closed/Charge Off Account and it should not be any activity once the account is closed. XXXX and Equifax are still reporting Late Payments on a Closed Account On My Credit Report. It also have 3 different dates and two different years for day of last activity. 

XXXX XXXX is Closed/Charge Off Account and Comments Say XXXX and Equifax Disputed By Consumer. Also on XXXX Date does not match, It is two different years for the day of last activity. XXXX XX/XX/XXXX... Equifax XX/XX/XXXX... XXXX XX/XX/XXXX. XXXX Open Date XX/XX/XXXX -- XXXX Last Activity XX/XX/XXXX Is not accurate, how can a account date Last Activity come before opening up account. 

XXXX. XXXX is a Closed Account and Still reporting negative on XXXX, it shouldn't be any activities once account is closed. It has two different years the date of last activity XXXX XX/XX/XXXX and XXXX XX/XX/XXXX XXXX XXXX  Is A Closed Account On XXXX and the Comments Say Account Information Disputed By Consumer. 

15 USC 1681 Section 602 A. 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 1692C ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2020-09-08
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: Experian Information Solutions Inc. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2022-04-07
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. (GA)

In accordance with the Fair Credit Reporting Act, XXXX  Account : XXXX XXXX {$5800.00} Open On XX/XX/XXXX Account : XXXXXXXX XXXX {$250.00} Open On XX/XX/XXXX Account : XXXX. XXXX XXXX {$560.00} Open On XX/XX/XXXX Account : XXXX XXXX {$820.00} Open On XX/XX/XXXX Inquiries-XXXX XXXX  XXXX XXXX On XXXX XXXX XXXX XXXX  XXXX On XXXX XXXX XXXX XXXX  is a Closed/Charge Off Account and it should not be any activity once the account is closed. XXXX and XXXX are still reporting Late Payments on a Closed Account On My Credit Report. It also have 3 different dates and two different years for day of last activity. 

Fair Collections is Closed/Charge Off Account and Comments Say XXXX and XXXX Disputed By Consumer. Also on XXXX Date does not match, It is two different years for the day of last activity. XXXX XX/XX/XXXX... XXXX XX/XX/XXXX... TransUnion XX/XX/XXXX. XXXX Open Date XX/XX/XXXX -- XXXX Last Activity XX/XX/XXXX Is not accurate, how can a account date Last Activity come before opening up account. 

XXXX. XXXX is a Closed Account and Still reporting negative on XXXX, it shouldn't be any activities once account is closed. It has two different years the date of last activity XXXX XX/XX/XXXX and TransUnion XX/XX/XXXX XXXX XXXX Is A Closed Account On TransUnion and the Comments Say Account Information Disputed By Consumer. 

15 USC 1681 Section 602 A. 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 1692C ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2022-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is a request for assistance with XXXX, Transunion, and XXXX. I am completing this complaint for myself and I no one is putting up to it. There are accounts listed that are not mine and I have given my written instructions to remove. Late payments on accounts that have not been late not once. This is my written instruction for the following accounts to be either removed or corrected. This is pursuit 15 US Code 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.

Remove the following accounts - [ ] XXXX  XXXX Account XXXX - [ ] XXXX XXXX & XXXX Account XXXX - [ ] XXXX  Account XXXX - [ ] XXXX/XXXX  Account XXXX - [ ] XXXX  Account XXXX Remove late payments on the following accounts - [ ] XXXX  Account XXXX - [ ] XXXX XXXX Account XXXX - [ ] XXXX XXXX Account XXXX - [ ] Remove the following address - [ ] PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (NY)

I trust this message finds you well. I am reaching out to address a matter concerning my rights as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ). 

Recently, I became aware that a charge off on my credit report is considered a certificate of indebtedness, which in turn is regarded as income and must be removed from my credit report. This issue pertains to the reporting of transaction history, and I believe it violates the FCRA, specifically outlined in 15 USC 6802 through 15 USC 6805. 

Given this circumstance, I am formally exercising my right to opt out of any and all authorizations, whether written, unwritten verbal, or nonverbal, that I may have previously given. It is imperative that my personal information is handled in accordance with my preferences and in adherence to federal guidelines, as mandated by the FCRA. 

Additionally, I kindly request clarification or a summary of the provisions detailed in 15 USC 6805 for my reference and understanding. Your assistance in providing this information would be greatly appreciated. 

Furthermore, I kindly request acknowledgment of receipt of this opt-out request and prompt action to rectify the reporting discrepancy on my credit report. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

I've reached out to transunion and my mortgage lender ( pennymac services ) about my mortgage loan not being reported to my transunion. Nothing is being fixed. I've waited more than 60 days. I've had the loan for 7 years.
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (GA)

I have a subscription with self lending. I have made all my payments on time however as of XX/XX/2021 its showing I missed a payment and that is false. i tried to contact them multiple times regrading the situation but Im having a very difficult time getting in touch with them
Consumer complaint received 2021-07-15
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ASG Solutions LLC (NV)

My sister received a call from XXXX XXXX " claim XXXX '' stating that he has legal documents to issue for me. To mention he never made any calls, nor provided any written communication to me. I return call to number provided XXXX XXXX XXXX  and it went immediately to voice mail of XXXX XXXX now Claim Director no longer investigator. I left voice mail with my name and contact informations. Shortly after I got call from XXXX. I answered and another female XXXX XXXX called and said that she is there to work with me on settling my debt. She told me that I owe {$1900.00} to XXXX and that her company ASG Solutions LLC is hired to collect debt. No official " This is an attempt to collect debt '' I informed her that Advance.cash. com was not licenced in my state and that I spoke with them informing them that I will stop making payments until they provide me with information that they are legal to operate in State of Nevada. I made total of 5 payments for {$240.00} each on {$900.00} loan before I stoped making payments to them. They never provided info back. I ended up paying {$700.00} with XXXX just to stop disturbance of my parents and sister. I believe XXXX XXXX lied and make false claim about legal documents. They used unfair collection practices on loan that is not enforceable. Contacting others then me was wrong as well. They had no records of any written communication to me. I wasn't allowed to dispute the debt as per law.
Consumer complaint received 2021-05-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PENTAGON FEDERAL CREDIT UNION (AR)

XX/XX/2021 at XXXX XXXX, I got a text message from XXXX about a fraud alert in the amount of {$140.00} to PenFed Credit Union. I called XXXX and told them that the charge wasn't valid. On XX/XX/2021, I got a form from PenFed CU in the mail showing a new account number and thanking me for joining. On XX/XX/2021, I got a letter in the mail from PenFed CU that said a stop pay request was placed on a check. On XX/XX/2021, I reviewed my credit report and saw the PenFed CU account on it, with a XXXX balance. I put a dispute on my XXXX information. On XX/XX/2021, I called PenFed CU and was told that there was an account under my name and social security number, but that it had a different email address as a contact. I put in an identity theft report with PenFed CU.