davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

Equifax initiate a security freeze on my account and also not reporting over 8 credit cards on my account ( Estimate total- {$30000.00} ) that I am authorize user on, all cards are reporting on other credit agency and i already spoke to XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  and XXXX. I was told by each company they report to all 3 credit bureaus. They even remove some of my reporting cards without my knowledge. I have called more than 6 times trying to resolve this issue and also fax paper work to verify identity including credit cards information. Equifax initiate the freeze on its own without me knowing until i try pulling my credit and was not allowed. 

I contact them on XX/XX/1921, XXXX, XXXX and XXXX. Faxed in some paperwork to verify identity and credit card information ( The ones not reporting ). Also on XX/XX/XXXX and the XXXX. 
I keep getting run arounds with different answers from different people. Its really frustrating, please help.
Consumer complaint received 2024-08-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I noticed on my XXXX credit report that a hard inquiry was made on XX/XX/year> to Bank of America and a credit card was opened under my name with a credit line of {$9000.00} that I did not request or open. I have never banked with Bank of America.
Consumer complaint received 2019-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NM)

I send NISSAN MOTOR CREDIT ACCEPTANCE CORPORATION a letter asking to verify an account reporting on my credit asking them to send documentation with my name XXXX XXXX proving that indeed I owe the alleged debt for this charge off. They reply with a letter saying they will not investigate violating my rights under section 623 of the FCRA. The FCRA is very specific if you can not prove it you must be delete it. attached I am sending the letter I sent them and the one they sent back to me.
Consumer complaint received 2019-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Consumer complaint received 2022-07-25
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. (CA)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00}.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

15 U.S. Code 1681, also known as the Fair Credit Reporting Act ( FCRA ), governs the access to consumer credit report records and how Credit Reporting Agencies ( CRAs ) collect and sell personal information. The FCRA 's purpose is to ensure that CRAs collect and use information in a fair and equitable way that protects consumers ' privacy and promotes accuracy. The FCRA includes several findings and requirements, including : Congressional findings The FCRA states that the banking system relies on accurate and fair credit reporting, and that inaccurate or unfair reporting can harm the banking system and public confidence. 
Subchapter requirements The FCRA requires CRAs to use information properly and ensure it's relevant. It also includes compliance procedures, such as requiring CRAs to follow reasonable procedures to ensure the accuracy of their reports, and to allow users of consumer reports to disclose the report 's contents to the consumer. 
I dispute and want this off my credit report.
Consumer complaint received 2022-07-25
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I appreciate your time to delete some of the misleading information previously reported on my credit file. Right now I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the remaining account need proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for another investigation of the account below. 

CAPITAL ONE AUTO FINAN XXXX
Consumer complaint received 2022-05-03
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. (NJ)

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 Account # 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 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.
Consumer complaint received 2022-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Capital one is being less than helpful regarding a situation where I was denied check in to a hotel based on discriminatory practices by XXXX XXXX XXXX, WA. The reservation was booked and prepaid on XXXX using a capital one credit card. Upon arriving at this hotel to check-in, the front desk attendant refused to accept my credit card claiming it was a prepaid card. This is not correct, as the card in question is a Capital One Walmart Rewards Mastercard. So because this low rent motel person had never seen this card before I was refused the ability to check in. I then was forced to get another hotel at the last minute ( which I had no trouble checking into ). I travel extensively. 

Capital One is requesting I send in additional evidence, but in this case the evidence is simply that the credit card is very real, and who better to prove this fact to this uneducated merchant than capital one itself. Refusing me check in for no good reason and then refusing to give me a refund is the same as theft in my book. Capital One should understand their responsibility in this case. 

{$120.00} ( XXXX  XXXX ) appears on the statement as XXXX XXXX XXXX BY XXXX XXXX CT XXXX XXXX. Transaction posted on XX/XX/2022, but the check in date was XX/XX/2022.
Consumer complaint received 2023-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In recent review of my Transunion credit report, I noticed that a dispute that I submitted in XXXX of XXXX was not investigated properly. 

I originally disputed 4 late payments ; 2 from XXXX XXXX and XXXX from XXXX XXXX. I indicated that I had never been late and asked Transunion to investigate this reporting. I have never heard back from them and as of XX/XX/XXXX these late payments are still reflecting on my credit report. 

There are 2 accounts for the Dept of EdXXXX, and both accounts are reporting inaccurate late payments. ( See attached )
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Experian dated XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

DEPT OF EDUCATIONXXXX XXXX Late Dates XXXX, DEPT OF EDUCATIONXXXX XXXX Late Dates XXXX
Consumer complaint received 2021-08-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I opened a checking account online with Bank of America and got approved. Made a deposit transfer from a different bank to bank of america and the transaction was completed on XX/XX/XXXX. Was able to login and see balance with the recent deposit money on my bank of america account. Then bank of america closed my account and are now claiming there was never any money in my checking account. I have confirmed with my other bank XXXX that the transfer was completed on their end and bank of america is the one who lost my money. They refuse to find out where my money went and have not paid me back my money upon account closure.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

The wrong address is listed on my report. 

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
Consumer complaint received 2021-08-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (OK)

From XX/XX/XXXX we were unable to pay mortgage payments due to a severe injury to my leg. I lost my job as a XXXX because I was temporarily XXXX and in a XXXX. I applied for COVID-19 relief due to my severe illness. In XXXX XXXX I was able to become fully employed again after being out of work since XXXX XXXX because of my injuries and subsequent illnesses. 
Started working on a loan modification with PHH Mortgage in XX/XX/XXXX. They have made this process impossible due to lack of access to people that are able to help with this process. PHH claims every time you call that you didnt send paperwork ( all paperwork was sent via email, we have these ), didnt fill out a small detail, ( this had been given on previous occasions ), it wasnt there on time ( when it was sent the day it was requested ), now they claim I dont occupy the house, ( have lived in this home for 20 years and is my primary residence ). This company has no intention on fixing this situation when we have the income now and the means to easily stay in this home. 
They want to foreclose on this home and will not communicate any terms or modifications with us so we can resolve this problem for over 8 months. They send a letter with a request for more paperwork and it arrives so long after the fact that they tell us we have to start all over. Even when we have sent the information and called them to update any needs. All calls are answered in XXXX with severe language barriers and no one knows what is happening because it is never the same individual, they just tell you to call back in a week and they have done nothing. 
We owed {$180000.00} on this home when this started. We have no access to any records on this home now as they have removed all access to our loan. 
This company is the most fraudulent company I have ever dealt with in my lifetime. They have been sued over and over again for these practices and no one will help homeowners!!! This company does not deserve to be in business, they are hurt so many people that are unable to fight for themselves.
Consumer complaint received 2022-01-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: U.S. Collections West, Inc. (CA)

Collection agency refuses to provide me with FDCPA, FCRA and XXXX FDCPA ( time barred debt collection attempt ). Agency says that the have 15 accounts for me but only a single account number. Disputed debt is a timeshare that they allege that I purchased in XXXX ( I did not ). Collection agency indicated that they entered my Connecticut address ( gone since XXXX ) with a XXXX, California person with the same name as me, creating a cross-file that Im sure he wouldnt be happy with either. A call to the timeshare company XXXX last name refused resulted in her telling me that I had 5 timeshares from XXXX and that the statute of limitations doesnt apply to them because they create a new account every 6 months! The date they obtained my credit report was XX/XX/XXXX. When I asked for my rights letter, XXXX XXXX admittedly an alias said they sent it to the other person with my name. I asked her to send me a notice but she said she would close the account ( she didnt ).
Consumer complaint received 2021-08-23
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. (MI)

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

Auto loans or leases Total balance : {$16000.00} XXXX XXXX XXXX Balance {$16000.00} Updated on XX/XX/XXXX I started a lease with XXXX XXXX for a XXXX XXXX XXXX XXXX on XXXX XXXX. By XX/XX/XXXX there was a serious retread tire problem on this new vehicle and I almost had a serious car accident. This happened within the first 30 miles of driving this vehicle. 

To make a long story short, The XXXX XXXX Elder Law Attorney sent the dealership 1 letter and I was given the option of being release from the loan and by XX/XX/XXXX this auto loan was resent. All docs were signed and my deposit was returned buy XX/XX/XXXX. Release of liability and other DMV docs are attached. 

I called XXXX XXXX Friday, XX/XX/XXXX to find out why the XXXX loan is still on my credit report, they told me that the account was closed out and it would take 3 business day to be corrected on my credit report. XXXX XXXX XXXX is still on my credit report and my XXXX has already denied me for a car loan. Moved here ( XX/XX/XXXX ) to XXXXXXXX XXXX  to work but can not work until I get an Auto. This credit auto loan with XXXX XXXX is closed on their end but is creating a problem plus hinders me from buying a new vehicle. Please help me, I am a senior and do not need this headache.
Consumer complaint received 2021-09-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

THIS COLLECTION IS NOT MINE!! I HAVE ALREADY TRIED TO CONTACT BOTH THE BUREAUS AND THIS COLLECTION COMPANY AND BOTH ARE IGNORING MY REQUEST!!! I HAVE RIGHTS UNDER THE FCRA AND UNDER SECTION 611 THIS COLLECTION NEEDS TO BE DELETED! THEY HAVE BOTH FAILED TO RESPOND TO ME OR SEND ME ANY VERIFICATION OF DEBT!! THIS IS WRONG!!!!! I DEMAND THE HIGHEST POWER POSSIBLE TO DO THE RIGHT THING HERE!! I AM TRYING TO BUY A HOUSE AND BECAUSE OF THIS, I AM BEING DENIED!!! THIS IS A VIOLATION OF MY RIGHTS AS A CONSUMER!!! AS THE CFPB YOU ARE REQUIRED TO PROTECT ME AND THIS IS NOT PROTECTING ME!!!
Consumer complaint received 2022-07-28
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2021-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (IN)

XX/XX/ Received letter from XXXX XXXX XXXX. Called them XXXX at XXXX. Found out debt was from someone with TX address. I have no clue who this person is. The XXXX XXXX person I was talking on the phone with said my address was listed also. They said most likely it is fraud and I should contact the FTC. So that is what I am doing now. The debt in question is for {$1100.00}
Consumer complaint received 2022-05-03
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: LEXISNEXIS (IN)

The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal they also violated my rights under -15 USC 1681 section 602 A. states I have the rights to privacy.

-15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Also the credit bureaus took more than 30 days to complete my investigation certified mail tracking # XXXX
Consumer complaint received 2021-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MD)

This letter is regarding account # XXXX, which you claim my account was charged off/collections. Please REMOVE this account to on all 3 Credit Bureaus ( XXXX, XXXX and XXXX ). This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was current. Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. -- Very Respectfully, XXXX XXXX
Consumer complaint received 2024-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (GA)

I have received several texts to my personal cellphone from XXXX  When I reached back out to them they require my personal information ( address, ss #, DOB ) which I don't provide via phone to unknown sources. The last agent sent me a pin number that satisfied her and she told me that I owed XXXX XXXX a debt for an unpaid period of coverage. I previously had XXXX XXXX for auto coverage but changed agencies nearly two weeks prior to the period indicated. The representative required me to provide them my declaration page showing my new coverage dates. I did so. 

I am still receiving texts and a demand to pay this debt that I do not owe. Georgia is a mandatory insurance state and my continued coverage is available but through documentation and Georgia XXXX XXXX XXXX XXXX. I attempted to contact them back today and the person would not speak without my personal information. I do not owe this debt.