davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I had XXXX accounts that were an obvious data entry ( cut & spate ) error. I had a Bankruptcy and filed a XXXX for my car loan. All information was provided to the credit unions. A XXXX is a document that makes a loan outstanding Exemt from the bankruptcy. I signed a document stating I would pay my car loan as agreed. I ordered a copy of my credit report and it showed Pay Status paid as agreed. However, it comes up under adverse accounts because the remarks show chapter XXXX bankruptcy. I paid my car loan on time for XXXX years. Which is reflected on the account. Why then does it appear under adverse accounts and chapter XXXX. I disputed this and was sent the investigation results. XXXX loan was deleted bcz it was not mine. The XXXX XXXX loan pay status no longer shows paying as agreed. Now it says account included in bankruptcy. This is ridiculous. I was denied credit by the company I paid my loan to for XXXX years on time and extra money, XXXX XXXX. They denied me for poor performance on loan. What are they talking about. I have bank statements and previous credit report showing on time for XXXX years. I believe they are punishing me for my XXXX year old sons XXXX XXXX account poor performance. This should be illegal.
Consumer complaint received 2015-05-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC (AZ)

I have made several Attempts to contact Pinnacle Credit Services at XXXX and XXXX and XXXX time i get hung up on, XXXX time was this morning and the lady stated she could NOT pull up any records. I have included an attachment of what i want from Pinnacle Credit Services
Consumer complaint received 2021-09-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (TX)

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that ERC would verify the debt. So I took it upon myself to ask ERC for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2021-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (NY)

On XX/XX/2021, my credit card wyndham rewards/visa, from BARCLAYS Bank was charged fraudulent with an amount of {$7500.00} as temporary authorization, balance transfer, that day I call to the customer service ( XXXX ) XXXX to report this, and replace new credit card. Them on XX/XX/2021 that charge was posted on my credit card account, in amount of {$7500.00} plus {$150.00} as balance transfer fee an total of {$7600.00}. Also, I call to Police Dept. and report this incident, in XXXX, XXXX XXXX, New York. 
From Barclays Bank, I receive new credit card and a letter let me know they investigating and may be, an resolution in 60 days. 

I did some investigation and found that transfer was made to XXXX XXXX  in Ohio, Bank Routing Number XXXX, Checking Account ending in XXXX. 
The application was made as XXXX TO CK ACCT- XXXX XXXX Amount : {$7500.00} BALANCE TRANSFER FEE. Amount : {$150.00}
Consumer complaint received 2024-02-22
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. (CA)

All three major CRAs XXXX, XXXX and Equuifax unlawfully reported personal non public information without permissible purpose violating 15 U.S Code 1681 ( b ) Permissible purpose : ( 2 ) In accordance with the written instructions the consumer to whom it relates. I did not and do not consent to the reporting of this non public personal information which is a clear violation of the FCRA. Also P.L 90-321 ( 82 Stat. 146 ) that states you can only make reports without my written instructions to head of state or local child support agencies. 
XXXX is also violating section C of the code : Requirements relating to information contained in consumer report. ( b ) No Consumer Reporting agency may make any consumer report containing any adverse item of information other than records of convictions of crimes. XXXX, et al transaction and experiences between consumer and Credit card companies without my wriiten authorization XXXX et al, used my personal, private information without my knowledge or consent, and according to 12 U.S Code section 1022.3 Identity theft is a fraud committed using the identifying information of another person without authority. Anything added to my consumer report without my written authorization is identity theft. Lastly, XXXX et al, is liable according to 15 u.s.Code 1681n- Civvil liability for willful noncompliance. ( a ) in general -any person who willfully fails to comply with any requirements under this sub chapter with respect to any consumer is liable to that consumer in an amount equal to the sum of : any actual damages sustained by the consumer as a result of the failure or damages to less than {$100.00} and not more than {$1000.00}. ( B ) - in the case of a liability of a natural person for obtaining a consumer report under false pretenses or knowingly without permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. XXXX, knowingly and willfully violated my rights and caused harm to me causing me to not be granted credit and lowering my credit limit by reporting adverse personal information.
Consumer complaint received 2023-08-07
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: EQUIFAX, INC. (GA)

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. 

I wrote XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX # XXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX  # XXXX, Account Name : XXXX XXXX  # XXXX, Account Name : XXXX XXXX XXXX  XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2021-10-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (LA)

This car is a fraud loan I don't have this car and the charge me too much on use car. They would have someone taking car at shopping mall all time I had this and charge me XXXX for car they sold to someone else. I know santander has lawsuits on loan. If they right off XXXX why I still have XXXX. Somethings not right on credit report.
Consumer complaint received 2015-04-13
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc. (NY)

I have had my mortgage since XX/XX/XXXX and have made timely payments for the past XXXX years. I refinance in XX/XX/XXXX and the mortgage company messed up my FHA account number. They did not close the old account number out and were sending my escrow payments to the old FHA case number. They sent me a mortgage increase statement at the beginning of the year showing an escrow shortage of over {$5000.00}. I 've been working with the mortgage company to correct this issue for XXXX months. They figured out the escrow account problem but then stated that my MPI payments were never made during the transition from the old mortgage company to the new XXXX. Now their stating that I have an $ 800+ shortage. I received a reimbursement check approximately XXXX years ago for about {$300.00}. I explained that if I should n't have recieved that check I would be happy to repay the {$300.00}. but they can not seem to figure out why I have this shortage of over {$800.00} from my missing MPI payments. I have never short payed my mortgage, nor have I ever been late on paying. I feel that there is some illegal actions occuring and want my mortgage and the mortgage company investigated.
Consumer complaint received 2022-01-19
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. (MD)

I did not give Equifax Permissible purpose to furnish any information on my credit file. Pursuant to the Fair Credit Reporting Act 15 USC 1681b - Permissible purposes of consumer reports. ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give permission as the " consumer '' Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681a ( c ). Violation of my consumer file is a violation of the Fair Credit Reporting Act 15 USC 1681n ( 1 ) ( A ) civil liability for damages sustain by the consumer not less than {$100.00} and no more than {$1000.00}.
Consumer complaint received 2021-01-25
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. (UT)

I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent intoXX/XX/XXXX do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked XX/XX/XXXX to Please block, remove or delete this information pursuant to section FCRA 611. XX/XX/XXXX is the reason why this has happened!
Consumer complaint received 2015-04-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (FL)

I 've had XXXX different fico scores for the past XXXX months from XXXX differentcompanies. 
XXXX ( via XXXX card ) = XXXX, XXXX ( via auto dealer ) = XXXX, Equifax ( via XXXX ) = XXXXI was denied credit from the XXXX due to my fico scorechecked by them. I 'm a XXXX in need of a used car and ca n't get itbecause of my fico score.
Consumer complaint received 2015-12-04
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: Altisource Portfolio Solutions, S.à r.l. (DC)

THIS COMPANY SINCE SUSPICIOUS TO ASSIST ME. THEY FEEL THEY ARE IN A XXXX LIEN POSITION WHEN THEY ARE IN A XXXX LIEN POSITION. THEY REJECTED MY $XXXX OFFER AND COUNTERED WITH $XXXX BECAUSE THEY STATED THE HOME HAS EQUITY, NOR DID THEY CONSIDER THE FINANCIAL HARDSHIP. THEY ALSO REFUSED TO PROVIDE THERE OFFER IN WRITING.
Consumer complaint received 2022-07-19
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. (TN)

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, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXXXXXX XXXX  # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX  XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX 's XXXX # XXXX, has violated my rights. 
XXXX # XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX  XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX DEPT OF ED # XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX  XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX DEPT OF ED # XXXX, has violated my rights. 
XXXX  # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  TN XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have rights to privacy.

15 U.S.C 1681 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 items 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 2021-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I the consumer did not consent too, nor authorize this inquiry from XXXX XXXX XXXX  on my Experian consumer report. XXXX XXXX  did not have my permissible consent to obtain my consumer report from Experian. Everything is electronic I did not give them my written consent to obtain my consumer report per section 1681n ( b ). Any corporation who obtains a consumer reporting agency knowingly without permissible pretenses shall be liable to the consumer reporting agency for actual damages in {$1000.00} Per section 15 USC 1681n ( c ). If you can provide a copy of a credit application authorizing the disclosure of my files with my signature, I will accept the inquiry. If such application is removed I demanded this inquiry be removed from my consumer report. In accordance to section 15USC 1681 ( b ) I the consumer sustained actual damages I was humiliated by Experian for sharing my consumer report with another corporation. My credit score went down at least 10 points I demand them to raise my score and {$1000.00} for the violation via Check .I would greatly appreciate a response from you within 30 days.
Consumer complaint received 2016-02-23
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (TX)

On Sunday XXXX XXXX, 2016 I was called by Cash Central in XXXX, Utah, a company I 've never heard of. The caller, a woman named XXXX, said that she was following up on an lending inquiry I had made online. I repeatedly told her that I never made any inquiry and I repeatedly asked how and where she got my name and number. She would not answer. I asked for a supervisor and was connected with a woman named XXXX. I told her that I had never contacted or even heard of Cash Central ever in my life and I demanded to know where and how they got my information. She would not tell me. The next day, Monday XXXX XXXX, 2016, I received an alert from my credit monitoring company XXXX XXXX, informing me that XXXX credit reports were taken out on me today : XXXX from Cash Central and XXXX from XXXX XXXX XXXX. I have not applied for any service from either of these companies ever and I want to know who is doing so in my name. I have filed a XXXX XXXX XXXX with XXXX on Monday, XXXX XXXX, 2016.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

On XX/XX/2024 I called XXXX XXXX XXXX and spoke to the Rep XXXX I believed, and this account is not mine. They do not have any contract or anything that states this account is mines. I request this account to be removed immediately or I will seek legal action and reimbursement for financial damages that this will cost me from the company and credit bureaus that is reporting the fraudulent account on my credit report.
Consumer complaint received 2020-07-09
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. (AR)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.
Consumer complaint received 2018-03-15
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: EQUIFAX, INC. (PA)

On both credit reports Equifax and XXXX  they show that I have accounts with XXXX XXXX XXXX and XXXX XXXX. I do not have accounts with them. I called XXXX  XXXX XXXX and XXXX XXXX they both said that they do not have any accounts with my Social Security Number. The partial account number listed on XXXX XXXX XXXX is # XXXX on both Equifax and XXXX. Partial account number listed on XXXX XXXX is # XXXX. 
This number is on both Equifax and XXXX. I have filled out the papers that both XXXX  and Equifax provide if you have issues with the reports. Told both Equifax and XXXX that these account are not my. To remove them immediately. I contacted the fraud departments of the bureaus. I have also informed the Federal Trade Commission and they said to contact you. Also filed a police report with XXXX, PA police department. Report number with them is XXXX.
Consumer complaint received 2024-02-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

I have disputed this account through XXXX. & I have disputed directly through capital one. 

XXXX says they cant remove it. Only capital one can. I have provided capital one with a FTC Report. 

They have yet to remove this account. 

I have requested the original contract with my signature for this account, per section 609 of the FCRA, capital one has not responded nor provided me with the information I requested