davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-14
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)

IN accordance with the fair credit reporting act, the list of account below has violated my federally protected consumer right to privacy and confidentiality under 15 u.s.c 1681 Account NameXXXX XXXX XXXX XXXX Account Number... XXXX 
Account Name... XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Number... XXXX Account Name.. XXXX XXXX XXXX  Account Number.. XXXX Account Name ... XXXX XXXX XXXX in Account number... XXXX Account NamXXXX XXXX XXXX XXXX XXXX XXXX  Account Number... .. XXXX Account Name XXXX XXXX XXXX Account NumberXXXX XXXX XXXX ... XXXX Has violated my rights. 
15 u.s.c. 1681 section 602 A. State, I have the right to privacy.

15 u.s.c. 1681 section 604 A. Section 2 : It also state a consumer reporting agency can not furnish an account without my written instructions..

15 u.s.c. 1681 C. ( A ) ( 5 ) section state no consumer reporting agency may make any consumer report containing any of the following item of information any other adverse item of information/ other than records of conviction of a crimes antedates the report by more than seven years.

15 u.s.c 1681 S. -2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.

There is a need to insure that consumer reporting agencies exercise their grave responsibilities, with fairness, Impartiality, and respect for the consumer right to privacy..
Consumer complaint received 2022-03-31
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. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.
Consumer complaint received 2021-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XX/XX/XXXX XXXX pm capitol one venture card representative after holding for an hour i was able to speak to XXXX XXXX whom seem to get upset when i mentioned i had been on hold for and hour and wanted to get my issue resolved quickly. instead she placed me on hold and then looped my call so i had to start the process over again. i feel this was done due to my last name being XXXX. 2 hours later still no answer
Consumer complaint received 2021-07-07
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. (FL)

Consumer rights have been violated. Under 15. U.S 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2016-06-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (OR)

Mortgage with HSBC for 10 years discharged from BK in XXXX. HSBC sold mortgage to XXXX XX/XX/2015 but stopped recording my mortgage payments in XXXX 2015. XXXX says XX/XX/XXXX, XX/XX/XXXX, XX/XX/2015 payments not made even though I have provided proof from bank. HSBC needs to acknowledge where and who received the mortgage money and rectify this with XXXX. Also negative remarks on my credit have been reported and threats of foreclosure even though I have made every month payment! I have sent a letter to HSBC with no response and have tried to discuss this with XXXX with no results still insisting I owe these months.
Consumer complaint received 2022-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Betterment LLC (TX)

on XX/XX/XXXX, Betterment decided to lock my checking account with no previous notice. 
When I called cs no answer was given and I was asked several personal questions such as XXXX and XXXX deposits and using the debit card overseas. I replied to all the answers over the phone and email. 
No action was taken as of XXXX of XXXX and I can not access my funds.
Consumer complaint received 2018-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN HONDA FINANCE CORP (NY)

i wrote a goodwill letter to Honda financial in XX/XX/XXXX in regards to my old XX/XX/XXXX Honda account showing up on my credit report and needing to be removed. I spoke with a representative who advised me he would have my late payments removed from the account. Instead what he did was changed the days late and did not remove any payments. I then spoke with Honda again because my second lease was ending. I was told by that rep that if i stayed in the Honda family my oldest XX/XX/XXXX account would be removed. When i went to the new dealership they said Honda refused to remove the old account and actually wanted to charge me HIGHER for a new vehicle if i stayed with them. when i called again they transferred me to a different woman who said to write another letter and dispute it with the credit reporting agency.
Consumer complaint received 2017-11-22
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: STATE FARM BANK, FSB (SC)

I received two notifications, via email -about this inquiry, I DO NOT know who or what this company is, Inquiry made on XXXX2017.  Never heard of this company!
Institution Information STATE FARM BANK XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX
Consumer complaint received 2021-09-23
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Mortgage Research Center, LLC (VA)

I am a rXXXX XXXX XXXX and received a Preapproval letter from XXXX XXXX of Veterans United Home Loans that did not indicate the buyer had to sell/close on another property to qualify for his loan. Our closing was delayed 13 days because of XXXX XXXX 's failure to disclose this information.
Consumer complaint received 2021-07-07
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)

On the above date and time and had a few inquiries that has been reported to Transunion, XXXX that were not authorized by me and are fraudulent. I already contacted the creditors and as well as the bureau and they are still reporting Transunion XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXXInquiry from XX/XX/XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX 
XXXX Inquiry from XX/XX/XXXX + Complete XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + Telephone Companies XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX XXXX  Inquiry from XX/XX/XXXX + Personal Loans Cos All these inquires are fraudulent
Consumer complaint received 2018-06-08
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. (GA)

I noticed a bunch of inquiries that I did not make on my credit report on XX/XX/XXXX. I called and had them removed. I noticed a lot of other inaccuracies throughout all three credit bureaus. The following accounts do not belong to me. 

XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - ( Account number unknown ) On XX/XX/XXXX, I received an email for a denial for a personal loan with XXXX XXXX that I did not apply for and the denial reason was that because I submitted an application within the last 365 days. I am filing a complaint that I believe that I may have been hacked for my information and I am desperately working with the credit bureaus to remove items due to identity theft
Consumer complaint received 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

These two addresses are reporting on my credit report I never lived here please removed incorrect addresses thank you XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX
Consumer complaint received 2022-09-10
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. (TN)

These two addresses are reporting on my credit report I never lived here please removed incorrect addresses thank you XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX
Consumer complaint received 2019-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

In XX/XX/XXXX, I began to repair my credit with a direct effort to secure a better FICO score. I began by paying off a loan with XXXX XXXX for {$4600.00}. I then acted to lower credit usage by paying down credit cards, lower credit utilization. I have not applied for any credit cards with exception of a XXXX XXXX late last year. If there are any inquiries on my credit report they should be deleted because they are not at my request. XXXX XXXX   reported the {$4600.00} as paid off on XX/XX/XXXX. For the months of XX/XX/XXXX and XX/XX/XXXX my FICO score was XXXX. XXXX XXXX provided FICO score each month included in my monthly statement. When I inquired on my XX/XX/XXXX FICO score, I learned that it had only advanced 5 points to XXXX. I called XXXX XXXX quite irate and they informed me that this score was provided by TRANSUNION. I spoke with TRANSUNION and they specifically stated that they could help if I made a payment to a subscription to XXXX. I was then directed to FICO where it was almost impossible to speak with a live agent. Being certified in the Fair Credit Reporting Act, I knew that my score rightfully should have been in the 700 plus range. I asked FICO to make the correction, the response was they would assist if I purchased a subscription. This is certainly consumer fraud and I request that my score be corrected.
Consumer complaint received 2018-06-08
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. (GA)

I noticed a bunch of inquiries that I did not make on my credit report on XX/XX/XXXX. I called and had them removed. I noticed a lot of other inaccuracies throughout all three credit bureaus. The following accounts do not belong to me. 

XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX - ( Account number unknown ) On XX/XX/XXXX, I received an email for a denial for a personal loan with XXXX XXXX that I did not apply for and the denial reason was that because I submitted an application within the last 365 days. I am filing a complaint that I believe that I may have been hacked for my information and I am desperately working with the credit bureaus to remove items due to identity theft
Consumer complaint received 2017-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (FL)

Citi retaliated against me for submitting a large dispute by closing my account which is in violation of the consumer credit protection act avg the equal opportunity credit act which prohibits banks from discriminating against anyone who exercises in good faith any of the protections protected by the consumer credit protection act which includes billing disputes
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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I reached out to TransUnion and XXXX diputing inaccuracies in my report. I send then documentation for prof showing that many accounts are reporting inaccurate and some are being reaged. I asked for then to be deleted due to the fact that it was inaccurate and a lot of violations. They got back to me with accounts updated and verified as accurate but when I check the last date of activity it still says from 2019 so clearly they didnt investigate
Consumer complaint received 2017-11-27
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (NY)

XX/XX/2017, {$350.00}, the ladie in a XXXX XXXX ask me about if i want a credit store and i said NO i have to much credit cards to pay and she told me it 's not a credit card it just a application to see if you qualified for purchases and i filed thinking this do n't go to affect my credit report so then some days later I 'm receiving a credit card from that store " XXXX XXXX ''! 
The point is she told me to much lies to make me apply for that card and now I 'm no sure if trying to close this account this going to affect my credit and I want to report the store and the " lier lady ''
Consumer complaint received 2020-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Total Card, Inc. (ME)

I submitted a request for verification to XXXX XXXX XXXX , XXXX 0n XX/XX/2020 in regards to a XXXX XXXX XXXX  account. I received a letter saying the debt was returned to the original creditor. Thus, I contacted Total Card, Inc. on XX/XX/2020 and received a letter stating that they sold the account to XXXX XXXX XXXX. There is no way to settle this debt and I would like it removed from my credit reports.
Consumer complaint received 2021-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

I've already contacted cpfb once over fifth third bank letting someone steal. My money they switched the addresses on my account while I was XXXX for 2 years they sent a reply to y'all said time frame is why they can't refund my XXXX XXXX first off I know that's illegal because I was not notified due to their negligence and letting someone change address to ones I don't know and steal XXXX XXXX from me and I wasnXXXX XXXX  two years I had no knowledge and then when I get out I've called and got around I sent proof where the bank let.them.change it XX/XX/XXXX I was XXXX on XX/XX/XXXX awaiting extradition for XXXX XXXXime in VA I could not have known or took money out they are at fault
Consumer complaint received 2021-09-11
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: EQUIFAX, INC. (GA)

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big XXXX on my life.
Consumer complaint received 2017-11-27
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: CCS Financial Services, Inc. (FL)

Looking at my credit report back in XX/XX/XXXX I saw accounts in collections and I never gave any company the right to share my information whatsoever. One for {$82.00} which is listed on my credit report as account XXXX. I sent a letter to the agency on XX/XX/XXXX requesting that they validate the debt and show competent evidence bearing my signature that I have or ever had some contractual obligation to pay them. They have not responded and they never provided me any evidence bearing my signature that I have ever had some contractual obligation to pay them. As a result they are in violation of the FCRA ( Fair Credit Reporting Act ), the FDCPA ( Fair Debt Collection Practices Act ) and HIPPA ( Health Insurance Portability and Accountability Act of XX/XX/XXXX).
Consumer complaint received 2021-06-21
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. (SC)

I have disputed an XXXX account on my report multiple times and Equifax claimed to verify/update the account. The claim was NOT TRUE. I sent a factual disputes to them showing the error on my reports and showing the inaccuracies between them and XXXX requesting them the delete the account multiply times because they failed to report the account accurately in prior requests THE DID NOT. I filed a complaint last month adding the screen shot of the inaccuracy showing on my report and THEY COPIED the HIGH BALANCE from the screen shot to attempt to solve the CFPB complaint but they did not investigate anything they just updated the XXXX  account show what the XXXX report high balance showed on the screenshot. They also reage the account stating the 1st date of delinquency was XX/XX/2021 which is inaccurate. They are still reporting inaccurate information and disregarding the request for the information to be deleted because they can't provide accurate information. They are violating the FCRA regulations and I will contact a lawyer next if they continue to disregard the law in reporting this inaccurate account instead of deleting it.
Consumer complaint received 2021-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Citizens bank can not provide reasonable accommodations to consumers who do not communicate effectively via telephone. When a customer contacted Citizens Bank via a secure messaging system requesting that the customer 's account is opted out of sharing information and from marketing Citizens Bank refused to honor the request as can be seen in the attached document.
Consumer complaint received 2021-07-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC