davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (CO)

I discovered that this account on my credit report was incorrect when I reviewed them. It is not permissible to fail to validate this reporting account as unverified without providing any proof within the time frame specified by law. My credit report includes this erroneous account that needs to be investigated and deleted : XXXX XXXX XXXX XXXX : {$1000.00}
Consumer complaint received 2020-12-07
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. (NY)

On XXXX I sent Disputes for those accounts I found on my credit report inaccurate and unknown. over 30 Days today since I've sent those disputes but I haven't received a response. I was a victim of an XXXX  Data Breach. I demand to Delete those accounts or I will file litigation.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2020-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Reliant Capital Solutions, LLC (SD)

I am in default. Started the default resolution program in XX/XX/2020. Made {$10.00} payment ( only required {$5.00} ), then the virus hit, and president order went into effect. Made another {$20.00} payment in XXXX or XXXX. 

Keeps being reported as late payments on all 5 accounts even though thats not the case. Program should have ended in XX/XX/2020 and it didnt until XX/XX/2020. 

I have disputed with all 3 major credit agencies as well is US Dept of Education and the collection agency to no avail.
Consumer complaint received 2020-12-07
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I am writing to KOHLS DEPARTMENT STORE because I am having difficulties with applying for new credit cards. I paid the charged off and do not owe anything, but the marks in XXXX, XXXX  and XXXX  reports prevents me from achieving the desired results. 
I am kindly requesting KOHLS DEPARTMENT STORE to remove this charged off from my credit reports as a gesture of goodwill.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-12-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

For the past 2-3 years I have tried to get 4 student loan accounts that should have aged off my report 6 years ago. Trans union and XXXX disputes has always resulted in saying the creditor has deemed the information accurate and therefore will stay on my report, despite all evidence I show otherwise. I have tried disputing with XXXX as that is the company both Transunion and XXXX  tells me is the company reporting the items. I filed two complaints against XXXX through CFPB. The second complaint resulted in XXXX reiterating they are not the ones who are reporting, XXXX  is. XXXX also instructed to call the number XXXX, listed on my credit report, for any concerns specifically for the credit reporting in question. That line connects directly to XXXX. I also contacted XXXX and as I have said over and over again, they have checked the national credit bureaus and there zero records of any reporting is being made. I showed them the items in question and they instructed me to contact XXXX. So if XXXX  claims they are not the ones reporting, and XXXX  says there are no records of any reporting being made, why are these accounts that are negatively impacting my score still on my report??? Why do both credit bureaus refuse to delete these marks off my credit report if both companies claim they are making no such reports to them. I have contacted XXXX, XXXX, XXXX XXXX, Even XXXX  XXXX XXXX - they all claim they are no records of them ever reporting to credit bureaus.
Consumer complaint received 2020-12-07
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. (MA)

Good Evening Credit Bureau and Agency ; I've written to you guys for many months now, expressing my concerns about several personal information that doesn't belong to me and I've asked on several occasions that that information be corrected or deleted. For example, I've told you guys that the name is incorrectly spelled, and addresses and hard inquiries that don't belong to me. The other information there belongs to my brother and family member that has the same name. I've also gone ahead and uploaded, faxed, and mailed my ID, SS Card, and proof of address as requested to make the correct but you still reporting those issues.
Consumer complaint received 2022-07-04
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. (NJ)

PLEASE UNDERSTAND THAT I AM THE ONLY PERSON WRITING THIS STATEMENT.I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge. I DID NOT AUTHORIZED NOR CONSENT TO THE FOLLOWING INQUIRIES BEING FURNISHED ON MY CONSUMER REPORT. PLEASE SEE ATTCAHED DOCUMENTS.
Consumer complaint received 2020-12-08
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

this company is dodging their duties, how many times do I have to submit my complaint? I am attaching a selfie of myself holding my ID to verify my identity. along with the letters sent to the company that they are disregarding
Consumer complaint received 2020-12-07
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. (OH)

Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.
Consumer complaint received 2020-12-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (WA)

i have 2 mortgages with SHELLPOINT MORTGAGE SERVICING with perfect payment history, untill covid 19 hit and i called in to seek assistance. somehow i find out mon ths later on my creit report that they are reporting me delinquent for 2 months on one of the 2 mortgages. i called in again and a second time and both times i was told that i didnt request assistance but they would apply retroactivley and retract the negatives on my credit. i did ask for assistance as evident by the help i received on the other loan. So to tell me i did not seek assitance on one while asking assistance for a second is lacking in the principle of a reasonable conversation. it never came off my credit so i assumed it was just a technicality and i contested with XX/XX/XXXX and it came back " accurate ''. the servicer knew i was impacted by covid 19, i actuallyXX/XX/XXXXand am still suffering yet they choose against the CARES ACT to punish me through there so called acurate reporting without u ndestanding at all that it was through the washington state governor stay at home order that undercut my tenants ability to pay and therby mine as well. 
If one seeks assistance and the assistance is missed but that institutions records show that ypou did seek assistnce and were impacted by covid 19 and then ask for them to correct their error and they dont, is that not the exact reason why the CARES ACT was implemented to give leeway and understanding to the chaos of the pandemic for both furnisher and consumer. 
The CFPB regulates thre FCRA, and congress passed the CARES ACT to help all of us affected by COVID 19 including your institution. I called many times immediatley and following up yet you refuse to accomodate at the time or retroactivley due to the circumstances falling upon us all. 
Covid 19 afffects all of us the CARES ACT helps all of us navigate this I had covid 19 which may impact me forever, but so will your negative credit reporting that you choose to report negative and should not have and should have already retracted. this is in violation of the CARES ACT, at least its intent as i understand it to exist to avoid this disconnect
Consumer complaint received 2023-11-09
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Waypoint Resource Group, LLC (PA)

Ever since I cut XXXX XXXX and they said that I owe XXXX for past XXXX years now. I've already pay up front before I cut the line & added {$40.00} for late fee which I wasn't aware of. 

{$260.00} to XXXX XXXX ( XX/XX/22 ) but now creditor collection by waypoint reference number XXXX I am not going to pay this payment if its already taken care of & right now I'm going through hardship and I do not have steady income to cover that cost. 

Hope this 'd have help me. 

Thanks,
Consumer complaint received 2020-12-08
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. (CA)

I have been a victim of identity theft and I am attaching supporting documentation to support my claim. I have a Federal Trade Commission Report and Police report along with a notarized affidavit to support my documents and verify my identity.
Consumer complaint received 2022-12-14
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. (CA)

Upon reviewing my updates, the misleading information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2022, but no response was ever received from them to date. I feel like I'm being taken advantage of and ignored. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please DELETE the accounts below XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-07
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: Experian Information Solutions Inc. (FL)

These accounts do not belong to me. please remove! } XXXX XXXX XXXX  not mine 2 } XXXX XXXX not mine 3 } XXXX  XXXX XXXX Original creditor : XXXX XXXX. not mine {$4700.00} 4 } DEPT OF ED/XXXX {$31000.00} Balance updated XX/XX/2020 never late im in deferment 3 late payments 5 } DEPT OF ED/XXXX {$37000.00} Balance updated XX/XX/2020 never late. im in deferment 2 late payments
Consumer complaint received 2020-12-07
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. (NC)

My name was caught in a credit mix file that caused incorrect information to be reported in my credit file. I disputed these errors and submitted proof of identity theft affidavit. I recently reviewed my credit file and found the same closed negative account, wrong date of birth and this company has even reported my physical health as XXXX which is against HIPPA LAW. I have asked this company numerous of times to remove this wrongful information from my account because it is damaging to my credit and character.
Consumer complaint received 2020-12-08
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. (NY)

Hello, DURING THIS COVID-19 PANDEMIC I WAS ENCOURAGED TO LEARN ABOUT PROTECTING MY CREDIT FILE AND PERSONAL IDENTITY. I WAS TAUGHT TO REVIEW AND INTERPRET MY CREDIT REPORT AND THE RELATED ACCOUNTS. AT THIS POINT I NOTICED A NUMBER OF MISINFORMATION AND ASSOCIATED ACCOUNTS THAT WERE FRADULENT. SINCE THEN I HAVE MADE SEVERAL ATTEMPTS TO REACH OUT TO THE INDIVIDUAL DATA FURNISHERS, CREADITORS AND BUREAUS TO FIX THESE ISSUES BUT TO NO AVAIL WITH EXPERIAN AND XXXX. XXXX  WAS ABLE TO HELP ME BY REMOVING AND DELETING THESE ERRONEOUS ACCOUNTS AND INFORMATION. THIS INFORMATION HAS COME UP BECAUSE I AM IN JEOPARDY OF BECOMING HOMELESS DUETO THE PANDEMIC AND IN THE PROCESS OF APPLYING FOR HOUSING MY CREDIT FILE INDICATED THIS ERRONEOUS INFORMATION TO MY SURPRISE AND THIS PROHIBITING ME FROM GETTING ME AND MY FAMILY HOUSED.
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 30 days after i have not received a response yet. I feel ike im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it s plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those ilems from my credit report it has been over 60 days so they should be deleled promptly. I demand these accounts be deleted immedately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax dala breach and may have gol into the hands of the wrong person
Consumer complaint received 2021-06-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services Inc. (NJ)

I sent a validation of debt letter in the mail on XX/XX/2021 and have not received the info I requested within the 30 day period I stated in my letter, I am asking you to remove / delete this debt from my credit.
Consumer complaint received 2021-03-29
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Kinum, Inc., Indianapolis, IN Branch (FL)

This company called me today and attempted to force me to disclose personal information while refusing to tell me who they were. They would not tell me what their company is and why I was being called. I was told numerous times that they didnt have to tell me anything, arent legally required to tell me who they are, and would only tell my lawyer who they are. They were aggressive, blatantly rude, and very dishonest.
Consumer complaint received 2021-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Leopold & Associates, LLC (NY)

Responses to several Complaints to the CFPB about the Standing of XXXX XXXX ( XXXX ) in a court case Index XXXX in Supreme Court, XXXX County, NY have consistently responded we are not the party of interest, which translates into we are not the plaintiff in the case. 

On XX/XX/2017, the Department of Justice ( DOJ ) announced that they had found XXXX guilty of fraud against homeowners and investors in foreclosure cases similar to ours. On XX/XX/2017, XXXX allegedly filed the present case, Index XXXX, which is almost 6 months after XXXX lost their Standing. 

The discrepancy we are pointing out is that XXXX is listed as the plaintiff in Index XXXX despite having been found guilty in those foreclosure cases and having lost their Standing in our case. The logical conclusion to be drawn from this situation is that someone else besides XXXX has listed them as plaintiff. 

The only other parties involved in our case are the two law firms that have appeared as Attorney of Record, Leopold & Associates first and presently XXXX XXXX XXXX. As a defendant in the case, I have asked the question of XXXX XXXX, Despite pointing out to you that XXXX lost their Standing by the DOJ as far as appearing in foreclosure cases, you, XXXX XXXX, has ignored our question over the past two weeks, Who is the plaintiff in our case? 

We are asking this question of both Leopold and XXXX XXXX. Here are their addresses : Leopold & Associates : XXXX XXXX XXXX XXXX # XXXX, XXXX, NY XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX, NY XXXX
Consumer complaint received 2021-09-20
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (KS)

On XX/XX/XXXX two fraudulent transactions were made using my identity & EBT card information. XXXX.XXXX, XXXX XXXX, CA received {$500.00} & {$340.00} for a total of {$840.00}. 
I sent one certified letter to Direct Express but apparently the door was locked so mail carrier couldn't get signature so that letter is still at the USPS in XXXX, TX waiting for them to pick it up. 
I sent another stamped letter to them as well and then another stamped letter. 
Direct Express rep says they never received any letters when I talked to them on XX/XX/XXXX so my claim was never started until on this phone call with rep. He said it will be 45 to 90 days to finish this investigation. 

THE DIRECT EXPRESS REFERENCE NUMBER FOR MY CLAIM IS XXXX. 

I am on XXXX and live from month to month. 
My rent & utilities are past due. I can't pay copays for prescription drugs or specialist doctor appointments. I have no groceries. 
I gave Direct Express all of the above information. They should have contacted XXXX to stop shipment and deny payment. 
I had also emailed XXXX.XXXX  but only got a confirmation email. They never emailed me again to resolve this criminal act. 
MY TICKET NUMBER FOR XXXX.XXXX  IS XXXX. THEIR EMAIL IS XXXX They have no phone number listed on website. 
Direct Express terms of use states they reserve right to delay processing of suspicious card transactions. Somebody was asleep at their computer when these two fraudulent transactions were processed at XXXXam & XXXXam on XX/XX/XXXX. 
It appears that Direct Express lied about not receiving my 3 mailed letters. 
I also cancelled my card on XX/XX/XXXX and have since received the new card. 
I can not wait 45 to 90 days for them to resolve this matter. 
Direct Express stalled me from XX/XX/XXXX until XX/XX/XXXX and then said my claim wasn't started until XX/XX/XXXX and will now take 45 to 90 days to investigate.
Consumer complaint received 2020-12-07
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. (NC)

XXXX XXXX  will not remove the dispute Im requesting.. Ive already contacted them and explain that the auto loan was fraudulent put in my name by a family voluntarily turn it in ... Im so hurt because now my credit is destroyed from a auto loan I wasnt responsible for myself
Consumer complaint received 2020-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Good Evening Credit Bureau and Agency ; I've written to you guys for many months now, expressing my concerns about several personal information that doesn't belong to me and I've asked on several occasions that that information be corrected or deleted. For example, I've told you guys that the name is incorrectly spelled, and addresses and hard inquiries that don't belong to me. The other information there belongs to my brother and family member that has the same name. I've also gone ahead and uploaded, faxed, and mailed my ID, SS Card, and proof of address as requested to make the correct but you still reporting those issues.