davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-06
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)

Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on Equifax for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Consumer complaint received 2020-11-05
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The following items are not mine : XXXX XXXX - Bal : {$59.00} ; this is not my account and this account is a result of identity theft. 


I was never 30 days late on the following accounts : XXXX XXXX - Opened XX/XX/2018
Consumer complaint received 2021-03-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WASHINGTON FEDERAL BANK (WA)

I had a mortgage at Washington Federal Bank ( WAFD ). I was refinancing with another lender, and knew the re-fi would close in early XXXX. On XX/XX/XXXX, I called WAFD, spoke to XXXX, and asked to have my auto-pay cancelled. He said it would be suspended for one month, in case the re-fi did not close. 

The re-fi closed on XX/XX/XXXX, and WAFD was paid in full ; they processed the funds on XX/XX/XXXX. But also on XX/XX/XXXX, my payment of {$820.00} was deducted from my account at XXXX. I called that same day, spoke to XXXX, and asked to have the funds returned to my XXXX account that day. She said she would notify the loan department. She confirmed my automatic payment HAD been suspended. 

Monday, XX/XX/XXXX, the money was not in my account, so I called XXXX again. Spoke to XXXX ; he talked to XXXX, who said she would contact loan servicing again and call me back. 

Wed., XX/XX/XXXX. No call from XXXX. Called again, talked to XXXX. XXXX was not in, but he read her notes. Said WAFD was mailing me a check for {$900.00} ( est ). I said I did not want to wait a week for a check ; I want the money back in my account at XXXX. He said XXXX would call me this afternoon. 

I believe WAFD has acted recklessly, with no regard for how their actions ( unauthorized withdrawal of funds ) affect people 's lives. The money should have been immediately returned to XXXX.
Consumer complaint received 2022-07-13
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)

It has been brought to my attention that Credit Bureaus are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this complaint to help establish a legal recourse. If XXXX, Equifax, and XXXX choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law... 
Please remove the following items as they are fraudulent & were opened without my consent or knowledge : XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Reference # : XXXX
Consumer complaint received 2024-09-16
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 (PA)

This is my fifth or sixth attempt with this company. For the past 6 to 9 months, I have been reaching out to this company in hopes that they would immediately erase any information of mine from their database. I am writing to dispute fraudulent account and fraudulent charges. I am a victim of identity theft, and I did not make any charges or even apply for this account. I request that you remove any fraudulent accounts or charges or any related finance charges in any other charges from my account or this database with your company, please I deserve to have an updated and accurate statement that the account is closed. I also request that you cease reporting any inaccurate information to all nationwide credit reporting agencies which I have provided. 

I have filed a Federal Trade Commission identity theft report on this company I was incarcerated. I never applied to this company and they have not provided me with any information no signatures no proof of address or account statements only a letter stating that I am responsible for the debt, which is unacceptable because that means their investigation is a fail and it never was done. I have been on this for the past six months and I will no longer keep letting this go Capital One. You are keeping an account in my name that is fraudulent and derogatory and was open fraudulently by somebody else that stole my identity and you know it. I have provided your company with reports federal trade, identity, theft, police reports, etc. and your company still will not Completely erase my information from your database so that I may one day apply for credit with your company and actually have a good report and relationship relationship. 

And a copy of my identity, theft, reporting my position and a copy of other things showing that this is a fraudulent account related to your company, and as a result of identity theft also encloses a copy of the notice to furnisher issued by the federal trade commission which details your responsibilities under the fair credit reporting act as the information furniture to CRA and to the consumer. The notice specifies your responsibility when you receive a notice from the consumer under section 605B of the fair credit reporting act, the information you provide to any consumer or CRA may, be the result of identity theft, which makes you illegal and irresponsible. These responsibilities include ceasing to provide any inaccurate information to any consumers or CRA and insure. You do not attempt sell or trans fraudulent debts to another party for collection. This debt is fraud. This account was open fraudulently. Ive had the same address sinceXX/XX/XXXX. I am also enclosing with the company a copy of my ID and proof of address. This must immediately be resolved or I will further take action against Capital One.
Consumer complaint received 2021-11-09
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: International Computer Systems, Inc. (AR)

I've reviewed a copy of my credit report and I see there is a collection item listed that I'm not aware of. I attempted to contact the collection company on XX/XX/2021, and request verification and I received nothing back. I understand that this is a violation of 15 U.S. Code 1681I ( A ) ( 1.A ) and need to have account deleted.
Consumer complaint received 2021-12-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UMB FINANCIAL CORPORATION (PA)

UMB Health Care Savings Account transfer or roll-over request XX/XX/2021, documents completed by our bank, XXXX XXXXXXXX XXXXXXXX acting as trustee, signed by us and sent to UMB Bank XXXX No action taken over six weeks. On XX/XX/XXXX we called their customer service. It was extremely difficult to understand the representatives who were also unable to assist us. They refused to transfer us to US based customer service nor any supervisor. Finally after hours on the phone a person agreed to assign a ticket number XXXX which resulted in no action as of today despite another phone called made yesterday, XX/XX/XXXX. I even tried contacting them through XXXX XXXX with the complaint and did get a response that a senior management person of customer service would be reaching out to me yesterday XXXX afternoon. That did not happen. As of this morning, XXXX XXXX still remains in the UMB HSA account with two monthy administration fees charged since our transfer request.
Consumer complaint received 2020-11-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc. (NC)

I have reported GLA Collections on multiple occasions to the consumer finance site. I have also reached out to GLA on multiple occasions throughout several years regarding the said debts below. Each time GLA does not provide evidence that the said debts are mine and they remove the debts from my credit reports. Then a few months later they put the debts back on my credit report. They refuse to provide proof that the said debt is mine with itemized statements of the said accounts. I have called both alleged medical providers regarding this said debt and both medical providers state I have no balance on file with their offices. They also harass me repeatedly with multiple phone calls. 

Said Debt # 1 - XXXX XXXX  {$220.00} Said Debt # 2 - XXXX XXXX {$110.00} I would like immediate action to remove these debts from my file permanently and I would like to seek information on how to file legal action against GLA. They continue to negatively impact my credit by falsifying information and refuse to provide any proof of the said debts.
Consumer complaint received 2023-03-24
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)

I want this late payment deleted from my accounts within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX Balance {$0.00}, XXXX XXXX XXXX Balance {$1500.00}
Consumer complaint received 2021-07-14
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I was listed as co-signer for a business lease. During the lease all payments were made on time. At the end of the lease, the business asked Toyota Financial to extend the least another 6 months and remove me ( cosigner ) from the lease. Toyota extended the lease, but did not notify me of the lease extension nor did they remove me as the co-signer. Lease payments were not made by company on time during this period, but it was during COVID, so they were not performing any collections activity during this time. Per the lease contract, section 42, Toyota was supposed to send me notices of delinquency so I could correct the delinquency and make payments. They failed to contact me or send any delinquency notices to my address that they had on file. The only notice they sent during the past due period was a general COVID-19 notice about the resuming of general collections activity. There was no notice that the account was delinquent or active. The other notice I received was on XX/XX/XXXX and I immediately called and was told that the account was current and there was no late reporting. The lease ended in XXXX of XXXX but they did not report the account late until XXXX of XXXX, 9 months after the last payment. I have disputed with Toyota, but they do not have someone that I can speak with directly. Their team can only take my request and then send it to their credit reporting team. They have only come back as " payments were late '' but not acknowledging that I was never given the chance to correct the delinquencies as the co-signer and they do not acknowledge that they did not abide by the contract terms by failing to send me ( co-signer ) deliquency notices.
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (AZ)

XX/XX/2021 as I was applying for a mortgage loan I received a copy of my credit report done by Experian.My score was XXXX. It stated that I had too many inquiries last 12 months. I have not asked for nor applied for any credit and have told them not to acknowledge any request without contacting me. They also state number of accounts with delinquencies. I have no delinquent accounts and checked with my creditors to validate this. Too many accounts with balances. I only have XXXX homes which have never been paid late XXXX car which has never been paid late and a XXXX XXXX Credit card with a XXXX dollar revolving balance. I have told them to refrain from giving out my business and had a fraud alert at one time.
Consumer complaint received 2023-03-24
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. (TX)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1400.00} ; XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$320.00} ; XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1400.00} ; XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00}.
Consumer complaint received 2021-05-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (MI)

I started a refinance process with Freedom Mortgage on XX/XX/XXXX. They emailed me with instructions to access their website and provide the documents they listed which would be necessary for the process, which we did within 24 hours. Subsequent to that, we received request for something called a XXXX XXXX XXXX from our homeowners association. I contacted my XXXX, was advised we do not have a XXXX XXXX XXXX and to provide our bylaws with an explanation accordingly. I have had multiple discussions via phone and email with various representatives from Freedom Mortgage, including escalating to supervisors and managers. Freedom Mortgage advised me this would have been filed with the city XXXXr county and that it is always needed for the mortgage process. I have been in this house for almost 20 years, and refinanced several times, never have I been asked for this document. I researched XXXX XXXX XXXX and learned that not every association has something exactly called XXXX XXXX XXXX so I contacted my XXXX again and asked for any documentation that was filed with XXXXhe county regarding any restrictions or conditions. I was provided with a signed document filed with the county Declaration of Restrictions & Assessment of Liens ( attached XXXX. Freedom Mortgage representative, XXXX XXXX, advised me on XX/XX/XXXX via the verbal conversation that this was the documentation they needed. Today is XX/XX/XXXX and again I have another rep from Freedom Mort. emailing me asking for XXXX XXXX XXXX in order to close the loan. My concern is 1 ) they never told me up front that they would need this prior to me approving them pulling my credit ; 2 ) I've provided everything my XXXX has ; 3 ) I get a different rep contacting me each time and there is no coordination with the team therefore have to start over every time ; 4 ) they pulled my credit, per my authorization, and now my score has decreased because we haven't closed yet and 5 ) They currently hold my mortgage and have for several years so why are they asking me for this now?. They were not clear that this would be needed otherwise I would not have proceeded since my XXXX doesn't have this.
Consumer complaint received 2020-11-05
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. (OK)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX {$13000.00} XXXX  XXXX XXXX {$2.00} DEPT OF VETERANS AFFAIRS XXXX {$190.00} DEPT OF VETERANS AFFAIRS XXXX {$2400.00} XXXX XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX {$18000.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Consumer complaint received 2021-05-13
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. (CA)

I contacted Experian to dispute the following inaccurate account on my credit file. 
XXXX # XXXX XXXX they completed their investigation stating an update to my credit file. 
They updated stating I was 30 days late before. Which is inaccurate! Also the status updated shows XXXX XXXX which is inaccurate if the account was paid off in XX/XX/XXXX which is what the status updated should reflect XX/XX/XXXX. 
Also the account was updated to state that I paid this account off XX/XX/XXXX which is also inaccurate. This account status shows included in bankruptcy which in itself shows that I would not have paid the account off 7 years after it was opened when the terms state 12 months and it was only late 30 days in 7 years? Which all is inaccurate. The terms, the paid off date of XX/XX/XXXX, and the status included in bankruptcy XXXX, or XXXX. This account also in XXXX was changed to reflect a negative account because of a dispute! 

XXXX # XXXX shows multiple lates which are inaccurate. Previous disputes have them being removed and when asked to investigate they have been replaced without any notification from Experian. This account also has multiple inaccuracies. The open date is inaccurate, the account status is inaccurate, the payment status is inaccurate stating included in bankruptcy 7, 11 or 12. This account was updated with a 30 day late added from my dispute but still shows status updated in XXXX which is inaccurate. The terms are inaccurate as well. 

Experian has stated that they have conducted investigations which have resulted in my inaccurate information added to my credit file which is currently affecting my ability to get credit fairly. Also they results have produced more information that are in violation of the FCRA and seem to be biased due to my nationality which they use the picture of my driver 's license to establish.
Consumer complaint received 2020-11-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (MA)

Over the last year I have received several letters threatening legal action in regards to a debt with XXXX  XXXX. I paid off my debt with XXXX  XXXX  in XXXX of XXXX. I confirmed with midland credit that this was the correct account and explained that the debt was paid. I confirmed with XXXX  XXXX that the debt had been paid and was told twice that they had no idea why the account would have been turned over to a collection agency. Midland credit claims that the account was sold to them in XXXX or XXXX of XXXX ( months after the account was paid in full ). When I received a " final notice '' on XX/XX/XXXX I contacted Midland credit again, explaining again that this account had been paid in full. The representative I spoke to was patronizing and I had to ask him multiple times for a mailing Address to send the company proof of payment. He repeatedly tried to change the subject, asking for payment and claiming that I would not have been able to contact XXXX  XXXX. I contacted XXXX XXXX  again and spoke to a representative there that again confirmed that my account had been paid in full and was in good standing. They also noted that they do not sell accounts to debt collectors as they have their own department to handle that and said they had " no idea '' who this collector was and warned me multiple times to not send them any information about my account or send any payments to the debt collector.
Consumer complaint received 2021-04-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (KY)

I keep getting calls from Comenity Bank " Ultimate Rewards '' for my sister. I tell them this is not her number but they call back anyway. 
Today I finally lost it on the lady and asked her how she got my number to begin with. 

She said they use " XXXX '' that will call all the " potential '' friends and family of a person they are trying to reach in order to find them. Then she had the nerve to ask me for her phone number. I told her to do her job and find it herself. 

How is it okay for a company to use bots to find and call frends and family of people they are trying to reach. Not only does that create conflict for the friends and family, but it also semi is a privacy concern for that person as everyone knows what " a business matter '' really means.