davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-17
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: CBC Companies, Inc. (TX)

XX/XX/2022, I sent a letter to the courthouse asking do they report Bankruptcies to the credit bureaus and I got a letter stating, They do not report any bankruptcies to anybody. If that is the case, how did the credit bureaus identity my bankruptcy as 100 % accurate? Your company never did a fair investigation according to the 15 U.S.C 1681. Where are you getting my private information when the courthouse stating they do NOT report bankruptcy? 

According to : 15 U.S.C 1681 section 602 ( A ) States I have the right to privacy.

15 U.S.C 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer-reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Consumer complaint received 2022-09-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XXXX I sent a letter regarding inaccurate and unknown items reflecting on my credit report. It is now well over 60 days later, I still have yet to receive a response. I feel like I've been taken full advantage of and ignored of my disputes requests. Section 611 ( a ) states, failure to investigate these items within 30 days gives sufficient reasoning to immediately remove stated items from my credit report. It has been over 60 days so stated inaccurate items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress that has been caused. Also my information was impacted by the Equifax Data Breach and may very well be in the hands of criminals.
Consumer complaint received 2022-09-17
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: EQUIFAX, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED 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 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 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 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 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 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 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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-09-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OpenRoad Lending (CA)

I was trying to refinance my car. This company gave me 3 different ". I did not accept any of them. They then proceeded to send me an email which they labeled as documents to review, but when I opened it did it was auto sign documents for a alone. You could not review the documents. They tried to trick me into taking a loan with an undisclosed rate. I can only describe this as criminal attempted fraud..
Consumer complaint received 2018-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NH)

We received a notice from XXXX XXXX in regards to my wife 's insurance score having a negative effect on our insurance rates. They use XXXX and/or XXXX XXXX to determine credit history. ( See attached notice from the insurance company - XXXX XXXX. ) It seems as though there are 4 specific negative factors as outlined by XXXX XXXX. I would like someone to please investigate 1-3 as shown with my questions/responses below? 

1. Number of Retail Accounts - I see one maybe two retail credit cards that are currently open on my wife 's XXXX report provided by XXXX XXXX. Are they saying she has too many or not enough? Two retails accounts seems totally appropriate to me. 

2. Lack of information reported on oil company accounts - Our oil company doesn't report to credit bureaus and as such we should not be penalized for this. We pay our oil as a cash price, up-front. We have never had a revolving or installment account with our oil provider. 

3. Number of inquiries with finance companies within last 24 months - The hard inquiries in XX/XX/2016 were done within the same month ( XX/XX/16 & XX/XX/16 ) and as such, those should be counted as one inquiry. In fact XXXX ( the company that XXXX uses for the XXXX ) created a webpage covering this very topic below : https : XXXX Thanks for forwarding this onto the appropriate people at XXXX XXXX , XXXX and/or XXXX XXXX.
Consumer complaint received 2022-09-17
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. (TX)

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX Account XXXX. I believe it was reporting in error. 
XXXX  XXXX XXXX Balanced Owed : {$0.00}
Consumer complaint received 2022-09-17
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: EQUIFAX, INC. (GA)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX MN XXXX ; XXXX XXXX XXXX XXXX, GA 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2022-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (OH)

The problem is the online banking periodically is unavailable for deposits. On Friday XX/XX/2022 I attempted to deposit my check several times until XXXX. This happens often. Everyone knows Friday is payday. Why would PNC who claims to accept same day online deposits until XXXX do this to their customers? I have a business run and this is not fair to me, I can not imagine how people without credit feel or manage. It is an unfair business practice. If they are having technical issues, they should post a notice so that people can go to the bank and deposit.
Consumer complaint received 2022-09-17
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: EQUIFAX, INC. (TX)

I was just notified via XXXX XXXX that my Equifax Credit Report has a delinquent account. I then logged into Equifax, reviewed my credit report and noticed that there is in fact a delinquent account present. The delinquent account is from a Homeowners Association in XXXX, TX. Specifically, it was from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX I have never lived in or owned property in XXXX, Tx or XXXX XXXX. My home is located on private property in XXXX, Tx. 
Furthermore, I have never owned property that was subject to a Homeowners Association. I am 100 % positive that this account does not belong to me. My credit score dropped more than 100 points overnight. I have contacted an attorney and plan to sue XXXX XXXX XXXX XXXX Fair Credit Reporting Act? I have been harmed financially due to XXXX XXXX XXXX negligence and record keeping practices. Is there anything your agency can do to help me with this matter? 

Sincerely, XXXX XXXX XXXX Cell : XXXX
Consumer complaint received 2020-10-05
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: EQUIFAX, INC. (NC)

I contacted Equifax on XX/XX/XXXX to dispute XXXX XXXX XXXX XXXX collection of XXXX. The account was reported on XX/XX/XXXX and the original account belonged to XXXX XXXX in Florida. I moved to North Carolina on XX/XX/XXXX, and had not been back to Florida since then. I had not been to XXXX XXXX since XXXX and the original account was opened on XX/XX/XXXX. 

I also contacted Equifax on XX/XX/XXXX to dispute XXXX XXXX XXXX XXXX collection of {$73.00}. The account was originally from XXXX XXXX XXXX and was opened when I had moved to North Carolina. I did not have any accounts with XXXX XXXX at that time and filed a report with FTC stating that this account was opened as a result of identity fraud/theft. 

I also contacted Equifax on XX/XX/XXXX to update my name to XXXX XXXX as I had gotten married. I sent over my driver 's license, social security card, and my marriage license and I received the dispute results telling me to upload my driver 's license, social security card, and marriage certificate but did not tell me where to submit my documents again and did not update anything on my credit report.
Consumer complaint received 2022-09-16
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. (AZ)

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX, Account XXXX XXXX XXXXXXXX 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 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. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: EVERBANK, NATIONAL ASSOCIATION (VT)

For most of XXXX, I held XXXX shares of XXXX XXXX in a brokerage account with TIAA.. 
When I received my income tax forms from TIAA, I noticed capital gains associated with the sale of the XXXX shares of XXXX. I was neither aware of or authorizing of the sale. On XX/XX/XXXX, I called TIAA ( XXXX ) and spoke with XXXX XXXX. He advised that the XXXX shares had been acquired by XXXX XXXX on XX/XX/XXXX. He checked my TIAA brokerage filed reported to me that he found no notice to me of the sale. I e-mailed XXXX XXXX at XXXX XXXX XXXX XXXX  XXXX. I received an e-mail from XXXX XXXX, XXXX XXXX  Investor Relations on XX/XX/XXXX. XXXX XXXX reported that the merger was announced in a press release on XX/XX/XXXX. He indicated a XX/XX/XXXX press release announced regulatory approval of the merger. An XX/XX/XXXX press release announced the completion of the merger. TIAA did not advise me of any of these events. I remain completelyunaware of who authorized the sale or why, I, thenshareholderwas not consulted. I would not have sold the shares if I had known of the transaction. For documentation, I have TIAA Brokerage Account Year End Summaries showing the sale, a copy of the the XXXX XXXX  e-mail, and my notes regarding the XX/XX/XXXX phone call with XXXX XXXX. On XX/XX/XXXX, I filed a complaint by mail with XXXX. On XX/XX/XXXX, I called XXXX ( XXXX ) and spoke with XXXX. He advised that XXXX had no record of receiving my complaint and would not have contacted me anyway because " We run a completely impartial service. '' I find this investigation process to be completely unacceptable and instead filed my complaint with your agency.
Consumer complaint received 2022-09-17
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. (MO)

I ordered a copy of my report from XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX, and XXXX has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX days. Please check payment history, date open, last activity and Status of the accounts XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; and XXXX XXXX XXXXXXXX Balance Owed : {$0.00} as I believe these accounts are reporting in error.
Consumer complaint received 2022-04-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent I XXXX XXXX XXXX was approved for a Capital One XXXX XXXX Auto Loan on XX/XX/XXXX in the amount of {>= $1,000,000} for a XXXX XXXX XXXX submitted by XXXX XXXX XXXX XXXX XXXX sales associate XXXX XXXX, but under certain stipulations that violate Equal Credit Opportunity Act ( ECOA ), Truth in Lending Act ( TILA ), and the Fair Credit Reporting Act ( FCRA ). It has come to my attention that the criteria for qualifying applicants and determining interest rates is based on a TIER METHOD that ranges from 1-9. Please note that this method is in clear violation of the Equal Credit Opportunity Act as it intentionally discriminates against applicants with lower credit ratings, and applying higher interest rates and requiring down payments to applicants with a lower credit rating even though they qualify for credit. Also, based on the decision details the stipulations for the Auto Loan as mentioned in the comment section stated that there was a minimum down payment of {$1000.00}, maximum allowed maintenance is {$2000.00}, and maximum allowable payment is {$800.00}, all of which are clear violation and discrimination as an applicant can not be offered less favorable terms than someone else who qualifies for credit under Equal Credit Opportunity Act, Truth in Lending Act and should be included in the Finance Charge and the amount approved. These terms set forth by Capital One XXXX XXXX has impacted my ability to obtain goods and services for personal use, impacted my general mode of living, and impeded with commerce. I am requesting that Capital One set forth favorable terms that are issued for someone else who qualifies with a better rating. As I understand credit rating is one of the factors for consideration it is NOT a deciding factor. Please be advised that these stipulations set forth by Capital One XXXX XXXX does constitute adverse action and has caused actual damages in the amount of {$38000.00} and any failure to remedy this Auto Loan or provide favorable terms you agree that the above-mentioned statements are true and that XXXX XXXX XXXX may take all necessary steps to collect the amounts owed to him. You have THIRTY ( 30 ) DAYS upon receiving this complaint to cure any defects. 

Thanks for your immediate attention regarding this matter! 
Very Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-09-17
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. (IL)

According to the FRCA The Term Investigate consumer report Means a consumer report or portion Thereof In which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items or information They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece Of information on this account are still not reporting 100 % accurate and according to the FRCA 15 U.S.C 1681 everything has to be accurate Account # XXXX XXXX XXXX
Consumer complaint received 2019-09-16
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. (FL)

I HAVE CONTACTED THIS BUREUA MULTIPLE TIMES REGARDING THESE UNAUTHORIZED HARD INQUIRIES. THEY ARE NOT COOPERATING AND HAE NOT GOT BACK WITH ME REGARDING THIS ISSUE. I HAVE MAILED MULTIPLE LETTERS AND ALSO CALLED THEM. THE UNAUTHORIZED INQUIRIES ARE AS FOLLOW : XXXX - Card Service Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX
Consumer complaint received 2019-09-16
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: SYNCHRONY FINANCIAL (FL)

I have an unsolicited hard inquiry on my credit report from SYNCB on the date of XX/XX/2019 I have not applied for any credit line or service in the year of 2019 and this inquiry has not been done under my permission, it is most likely fraudulent. 

Researching online, I've also discovered several other people have been impacted by the same hard inquiry as it's apparently common for this company to be used for fraudulent activity I would like these inquiries removed and any possible credit allowance or charge removed from my name, these actors should be shut down as they seem to be causing issues to several consumers
Consumer complaint received 2019-09-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Thrift Investment Corp. (NJ)

The account has been an issue for several years. We have tried ( husband and wife ) to work out payment plans and get a comprehensive accounting of our account. What the company has sent to us is a print out that has codes that we do not understand and nobody has taken the time to explain. When asked how much we need to pay they gave us 3 different amounts within days apart. When we requested a print out because of the confusion on the amount they repossessed the vehicle and the company they hired for the repossession caused damage to the garage of the home we are temporarily staying at. Both companies have refused to provide us with the insurance company of the repossession company. The company has harassed us, threatened us, and violated our rights by not giving us proper documentation. They forced us into another loan which added more money onto the original loan. We have numerous text messages, and recorded conversations with the car loan company and the repossession company.
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My payment is due on XX/XX/XXXX and i was unable to make my payment. I submitted a loss mitigation application asking for assistance because i was unable to make this payment with arvest bank. Arvest bank approve my loss mit application on XX/XX/XXXX stating that i was under forbearance. At this time my XXXX payment was not 30 day past due and according to the letter my account will be report to the credit bureau as current while under this forbearance. The letter did not say it was only for XXXX through XXXX payments but it just stated payments will be XXXX till XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX and it never talk about anything else making me feel that everything was ok according to this letter so that should make my XXXX payment current because the letter should have told me about this payment if they had this issue.