davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc. (NY)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting service
Consumer complaint received 2022-03-10
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 (TX)

I am a victim of identity theft. I have credit monitoring in place and received notification that Bank of America requested my credit report on XX/XX/2022. I do not bank with Bank of America nor have I applied for any loan, credit card, or bank account with Bank of America. I have not applied for any credit with any creditor in over a year. This inquiry is fraudulent and any accounts that Bank of America has opened in my name were NOT opened by me.
Consumer complaint received 2021-09-08
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I show a bankruptcy on my XXXX, TransUnion and XXXX credit report. US BANKRUPTCY COURT XXXX  MISSISSIPPI/ Reference # XXXX. I have contacted the court and their response is attached. I also contacted each credit bureau to determine how they were provided with this information and their response was from the courts. I went on to contact XXXX  as well as XXXX XXXX and both responses are attached as well. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Consumer complaint received 2017-10-06
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: EQUIFAX, INC. (NC)

I have disputed a XXXX XXXX Credit Card account on my Equifax, XXXX, and XXXX accounts several times. Each time I dispute the discrepancies for the last day of activity, close date, and payment history, and the disputes are returned as verified. I have sent a dispute online and also mailed a dispute letter requesting validation of this account. Equifax, and XXXX has failed to investigate this account and continues to report inaccuracies on my credit report. 
According to my research, XXXX XXXX is reporting to XXXX : a closed date of XXXX/XXXX/XXXX, high balance of {$XXXX}, and last date of payment XXXX/XXXX/XXXX, but no payment history. 
Equifax is reporting no close date, date of last payment XXXX/XXXX/XXXX, and no payment history. 
I am concerned that these accounts may not belong to me and/or the reporting to the credit bureaus may be inaccurate. XXXX XXXX has failed to provide any validation of this debt so I am submitting a complaint.
Consumer complaint received 2021-02-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NC)

I currently hold a 27 year conventional mortgage loan with Rocket Mortgage ( Quicken Loans ). I began the process of refinancing the mortgage loan on Friday, XX/XX/XXXX and subsequently received an estimated loan package along with an intent to proceed which was sent to me in the early hours of XX/XX/XXXX and returned digitally signed by me and returned to them via their portal before XXXX  EST that same day. When logging in to my loan account on XX/XX/2021, I uploaded additional documents including a certification of trust and the current deed so that the home would be properly titled to the trust. The company subsequently, inactivated my loan application without notice or reason. I reached out to the lender via the email address they provided to me on XX/XX/XXXX to get clarity on why this occurred but am extremely frustrated with this practice and the amount of time this has wasted over the past 4 days.
Consumer complaint received 2018-02-01
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

After reviewing my credit report I noticed a few inquiries on there being reported by this credit bureau in which I have disputed them and put a fraud alert on my account as well with the creditors and the credit bureau is still reporting these not proven compliant inquiry deficient of true permissible purpose that REQUIRES immediate and permanent deletion, on my credit report. The last two letters I sent certified with tracking numbers in which the credit bureau responded back with verified and updated. After calling them, they told me if I believe this was unauthorized, please contact the creditor and still reporting these inquiries and ignoring my request of dispute. My complaint is towards these unauthorized and or possibly fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegations of credit inquiries by Original Creditors on my Experian credit report. Regarding the following inquiries. 1 ) XXXX XXXX   XXXX Inquiry from XX/XX/2017, & AGAIN on  XX/XX/2017. I have disputed these unauthorized inquiries for several months with no help from the companies or Experian. I have repeatedly asked for any type of detailed documentation of an original signed contract or proof of signature from all companies inquiries. I have NEVER applied for credit online or in the store with this company. I have had no response from certified letters sent. XXXX XXXX XXXX is a third party for another company and keeps telling me that they will not investigate these two inaccurate inquiries that they requested on my credit file. XXXX XXXX XXXX keeps referring me to the credit bureau to investigate or XXXX XXXX XXXX. It is NOT my job to track all of these companies down. These are UNAUTHORIZED inquires. I am not a veteran nor have I applied for a home loan. I am asking for these unauthorized inquiries be deleted from my credit file immediately! XXXX  & XXXX  have deleted these unauthorized inquiries and now I am demanding that Experian do their job and abide by the laws!!
Consumer complaint received 2022-09-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION (MT)

I paid off the remaining balance, XXXX ish, on the XXXX of XX/XX/XXXX. In the capital one app under title it said The title was mailed to the appropriate part. Give time for the title to show in the mail. The app also said the title was mailed on the XXXX of XXXX XXXX 
I had moved from XXXXXXXX XXXX to XXXX XXXX.about 2 years ago. I had called and gave the company my new address. Now that the car is paid off they send the title to XXXX. Its been thee weeks and no title at either address. I called the post office in XXXX and spoke with the post mistress. She said that they would have sent it back because the house is vacant. The post mistress double checked and there was no mail for me nor my husband there at the post office. I called capital one again and they just transferred me from one person to another. When I got it someone to help me. She was not listening to what I was saying. She just repeated her scripted line. Capital one cant find my title and their solution is to send me a release form that I would have to clear up with XXXX XXXX  then Ill be able to license and title my car in XXXX. My car has not been licensed in XXXX years because capital one has not sent anything to me in XXXX  nor XXXX so that I can register my car. 
I paid off the car XXXX XXXX XXXX early the maturity date isnt unti XX/XX/XXXX and the still ruined my credit score.
Consumer complaint received 2022-03-10
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

While checking my credit report, I notice an account from Capital One Bank USA that I believe is not being reported correctly on my credit report. On XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 90 days, I sent another certified letter on XX/XX/2021, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, which are attached, asking them to verify or remove the negative report on my credit report that Capital One Bank USA is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Consumer complaint received 2021-02-04
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. (FL)

I spoke with creditor XXXX this remark is NOT accurate. This account has been paid off and on time. XXXX said they sent a notice to the credit agencies why hasn't this been fixed. 

XXXX XXXX AUTO Fix this ASAP
Consumer complaint received 2019-03-04
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: REVERSE MORTGAGE INVESTMENT TR (AZ)

Our manufactured home was burned to the ground on XX/XX/2018. We have a reverse mortgage # XXXX. XXXX XXXX settled our file and we sent the signed check for {$78000.00} to Reverse Mortgage Funding along with the all of the required documents. We sent our plans and blueprints of the new home, the adjuster 's report, the contract for the new manufactured home, and the contractor who would set the new home on the foundation.

We have received no response. We have called and been put on hold for hours, just to be disconnected or told that they don't have our paperwork. We are being held hostage and can't even apply for a new loan until this is resolved. We can't afford to stay in a hotel indefinitely. Please help us. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Meridian ARG Inc. (WI)

XXXX/XXXX/XXXX XXXX PEOPLE IN MY FAMILY RECEIVED A CALL FROM XXXX THREATENING THAT IF THEY DID N'T CONTACT THE NUMBER ABOUT ME THAT I WOULD BE GOING TO CHAIR AND THE DA 'S OFFICE WOULD BE CONTACTED. THE PHONE CALL WAS VERY THREATENING AND THEY EVEN CALLED MY XXXX AND XXXX XXXX XXXX DAUGHTERS AND MY AGING IN-LAWS. I WOULD NEVER USE MY DAUGTHERS OR MY IN-LAWS AS REFERENCES ON ANY ACCOUNT. THE PHONE CALL WAS VERY BOTHERSOME TO ALL OF THESE PEOPLE BECAUSE THEY DO N'T KNOW THE LAWS AND RULES AND THOUGHT I WAS GOING TO GO TO JAIL.
Consumer complaint received 2024-08-12
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. (VA)

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, XXXX XXXX reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists " XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXXXXXX account # XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 

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 XXXXXXXX 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 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 2021-09-08
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (PA)

i recently sent a letter to the I.C. SYSTEM, INC and in That letter i clearly demanded to see and receive copies of the purchase agreement FROM THE ORIGINAL CREDITOR ( XXXX XXXX XXXX ) for the alledged debt, and the relationship documents with my wet signature of consent that allowed a third party to buy the debt ( Debt validation was never sent nor received ) and ive yet to get a response from them but they continue to harrass me phone calls with no proof of validation to collect on the debt. And if they have anything with my signature on it, than they are now beyond the allowed 30 day grace period to inform me that they obtained the debt which is a violation of the FCRA, IN ADDITION I clearly stated my request for them not to contact me by phone, at home or work or anywhere else. This letter was sent via certified mail with return receipt, which I have proof of. Since you have continued to call me after receiving that letter, you are now in violation of the FDCPA which I assume you know very well. And they continue to harrass me with phone calls and collections notices of debt that do not belong to me and if they continue to pursue reporting on my credit report than i would like to take legal action as soon as possible.thank you
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I spoke with creditor XXXX this remark is NOT accurate. This account has been paid off and on time. XXXX said they sent a notice to the credit agencies why hasn't this been fixed. 

XXXX XXXX AUTO Fix this ASAP
Consumer complaint received 2017-10-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have made every payment on time with XXXX XXXX XXXX on 2 loans for over 10 years they eronousley reported me late 60 days on my credit report ive never been late if you look at my credit on one of the 3 reporting buerus it shows all current but my fico score shows diffrent ive spent countless hours with bofa and every credit reporting buereu no luck XXXX a has ruined my credit because they accidentally submitted the incorrect information
Consumer complaint received 2021-02-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

On XX/XX/XXXX Someone has purchased with my debit card XXXX XXXX tickets and groceries from a XXXX. Totaling almost {$1300.00} I called the bank when my purchase was denied and found out I had unauthorized transactions. I disputed them with my bank on the XXXX when I found out and on XX/XX/XXXX Bank of America denied my claim of fraudulent acts to my account. 2 x {$35.00}. for overdraft fees XXXX XXXX {$19.00} XXXX XXXX XXXX {$230.00} x XXXX XXXX {$430.00} XXXX  XXXX {$250.00} and {$27.00}. Bank of America is not backing their Guarantee and promise saying the activity in question was posted correctly! That's not even possible. The purchases were made in another state first off and I never made these purchases. I've been a good loyal customer for years and now I can't trust them at all. I work hard for my money. I need that money back.
Consumer complaint received 2021-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (DE)

I made a payments on the Mr Copper website for XX/XX/XXXX and XX/XX/XXXX and its was reported 30 days delinquent both months. The payments are made before the end of the payment due month. I notice the payment amount had change in payment due for XX/XX/XXXX later on. I dont think that if the payment was made before the end of the month that I should be reported 30 day past due. Also, I dont believe I should be 30 day past due for XX/XX/XXXX if I made the payment on there website and the amount was for that month due was made. I believe there was a computer glitch that did not reflect the true amount due once the month amount changed.
Consumer complaint received 2018-05-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (IL)

XXXX XXXX states I owe XXXX. When I discontinued my service I paid the outstanding bill and returned all equipment. XXXX has placed this alleged debt in collections. I disputed the debt with the collection agency. I also talked personally with a representative form XXXX XXXX and I was told I have a XXXX  balance. I think that XXXX  is trying to take advantage of me because I am a elderly person. I know what the representative told me.