davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-27
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)

In XXXX of 2021 I was 30 days past due on my XXXX XXXX  card also known as XXXX  card on my credit report. 
I called to explain that I was affected by Covid and had lost my job. I was receiving unemployment but in ended in XXXX of XXXX  and a Covid-19 forbearance plan through my mortgage company ( attached document ). 
The company did not properly notate my account of my request and hardship. Even though I paid them as soon as could, they did not give me any consideration for the natural disaster that I faced. 
I was later told that the company does not take into consideration any Covid related hardships. In the last three years that Ive had this account this was the only time that I was more than 30 days late and they put a negative mark on my credit report. 
It is affecting my personal life via my credit score to refinance my home now. 
I have submitted a document as proof that I was on unemployment due to Covid and that my claim expired the same month of the delinquency incident in XX/XX/2021.
Consumer complaint received 2022-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the fair credit reporting act the following accounts are in violation of my federally protected consumer rights under15 usc- section 1681 1681 b 1681 c2e 1681 he Accounts : XXXX XXXX XXXX XXXX I have spoken with a representative in the XXXX office whom has stated there would be no remedy even with proof of identity theft
Consumer complaint received 2021-02-11
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: TD BANK US HOLDING COMPANY (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and TD Bank USA/Targetcred, XXXX XXXX, and XXXX XXXX. The Account Opened is TD Bank USA/Targetcred Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$640.00}. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00}. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6200.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2019-10-23
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

I am writing this due to non-compliance with the ( Equifax, ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2023-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC (FL)

On XX/XX/XXXX, Contract Callers Inc was sent a letter pertaining to a debt that I do not believe is mine. I have left the state of XXXX XXXX and moved to XXXX in XXXX. Now, Im being told that I owe a debt for services used in XXXX and XXXX. I have a number of issues with this for the following reasons : Knowing how scrupulous XXXXXXXX XXXX XXXX  is, having been a customer of theirs for a number of years, if I owed even {$1000.00} dollars, utility services would have been suspended and restored ONLY after the owed amount would have been paid. The owed amount would have never made it to reach $ XXXX that the Debt Collector ( Contract Callers Inc ) is claiming that I owe. 

Upon receiving my initial request letter sent to ( Contract Callers Inc ), they have yet to prove they have authority to collect said debt and/or that they purchased it from XXXX XXXX XXXX . I have not received any documentation from your agency validating the debt they are attempting to collect. Under the FDCPA, they are required to provide proof of the debt within five days of initial contact with me. As I have not received any such documentation, I have reason to believe that this debt is not valid.

I have reason to believe that their agency is not licensed to collect debts in my state ( previously in XXXXcurrently in XXXX  ), as required by law. Under 15 USC 1692e, debt collectors are prohibited from making any false, misleading, or deceptive statements in connection with the collection of a debt. By attempting to collect a debt in a state where their agency is not licensed, they are in violation of this law. As per, NMLS Consumer Access, they do not have licenses in XXXX and/or XXXX XXXX  .

My credit reports have been severely impacted by the misreporting of this debt collector and I am requesting to have ALL of the mis-reported information removed from ALL of my credit reports. I should not be getting alerts that my credit reports have been compromised with fraudulent debts that are not mine.
Consumer complaint received 2021-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Reinstate my credit at capital one I make payment well above the minimum more than twice the same month. A payment from capital one bank checking to capital one visa credit card was rejected. Account was funded and no reason to decline and or close account. This was during COVID and during times of financial hardship. 

XXXX trade line had for 3 years and 10 months and the charge ridiculous fees and membership fees. 

XXXX XXXX closed my grandfathered account and holds my secured card that should be eligible for upgrade and hasnt upgraded. I had an auto loan with wells and that was paid off and well kept that should account for something positive in my credit line.
Consumer complaint received 2019-10-23
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: R.M. Galicia, Inc. (CA)

on 3 separate occasions, Representative insists on confirming my address before telling me what company they are calling from and what the matter is regarding. The only response I get is its a business matter. only after they repeatedly recite my birthdate, and my social security number to me over the phone, I insist that I am unable to give out any more information and all attempts to contact me should be via mail with the adress they have stated on my file & or credit report.
Consumer complaint received 2019-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

In XXXX of 2019 I paid a vehicle off. XXXX XXXX dealers service told me that the account is paid off. I have put in numerous disputes with TransUnion explaining that the car was paid off but they still have the account open and says I owe XXXX on the loan. Always say the debt is mine and will not be removed from my credit report. My score has dropped tremendously due to the debt I owe. Please help I am raising my XXXX grandchildren and I have been working on my credit to possibly purchase a home near there school. Thank you for your time and assistance with this matter. I hope to hear from you soon. Have a great day. 
XXXX XXXX
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

There are several credit cards who have run my credit several years after I either closed the or quit using there card. Also some credit card I possess periodically look at my credit which is not needed beause I am current on all my accounts. I feel that this is totally inappropriate. Some creditors are on my report who I have no business with at all. 

Closed/paid off Still active Never had/Old XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK OF AMERICA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequoia Financial Services (CA)

Sequoia Financial placed for collections the account that my client had with them, however, the company did not send the right to dispute the debt, nor any information regarding the debt. On XX/XX/2021 I sent a letter requesting the verification of the debt since my client does not recognize the balances reflected on the credit report. On XX/XX/2021 and XX/XX/2021 I sent follow-up letters because the company was not responding. Unfortunately by today XX/XX/2021, the company has not responded.
Consumer complaint received 2021-12-07
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. (TX)

FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING PLNTFORD Date of inquiry : XX/XX/2020 FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING TOMPEACOCK Date of inquiry : XX/XX/2020 FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING XXXX XXXX Account Number : XXXX FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING 12 XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Date of XXXX XXXX XX/XX/2020 FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2020 FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXXDate of inquiry : XX/XX/2020 FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING
Consumer complaint received 2019-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MN)

I paid off my credit card XXXX XXXX through USAA with an outside Bank routing number and bank number online. Through their app the information, I put in for to pay the debt {$3200.00} the information for that bank paying the debt was totally ignored and they withdrew the funds from my personal checking account that's on file with them. XXXX XXXX. This transaction took place XX/XX/2019. I did not authorize the payment from XXXX XXXX. The debt should have been paid from XXXX XXXX XXXX XXXX XXXX from the information I put in online. I discussed the problem with the credit card company was told they couldn't correct the situation for 10 days I couldn't believe it.my money is going to be floating in cyberspace for 10 days and I have nothing to say about it but they can withdraw it within minutes.ask for a supervisor in the reps put me on hold for more than a half-hour I hung up credit card companies got way too much power consumers have XXXX near zero power and situations as such as this. Hope you're able to help in some way
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: MIDFIRST BANK (KY)

I am in a furlough with my mortgage company and they are not suppose to reporting late payments bc of that and they have me listed as 60 days late and I want it removed I have spoke to a mortgage individual already and they told me they are not suppose to be reporting late
Consumer complaint received 2023-10-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NV)

Wells Fargo sent me an email notifying me that they closed my bank account and that they will not give me a reason for doing so. 

Ive been a Wells Fargo customer since 2003. This is unfair, I need my bank account open. Please help. Dont let them close it Routing number XXXX Bank account number XXXX
Consumer complaint received 2022-09-12
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. (IL)

In XX/XX/XXXX and XX/XX/XXXX I send Certified mail ( see attached ) to Trans Union requesting they investigate the accuracy and provide the method they used to verify along with the contact information of the representative they spoke with to obtain the documentation used to verify the items they have listed on my Consumer file as Charge-off, 30,60,90 etc days late, Public Records : Bankruptcies, Included in Bankruptcy etc. 

Instead of providing the information or removing the unverified accounts & removing the inaccurate & unverified account statuses Trans Union ignored my request stating they verified the items ad accurate, dismissed my request by claiming I did not personally send a dispute and called my request frivolous.
Consumer complaint received 2022-07-08
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: EQUIFAX, INC. (FL)

To Whom It May Concern : In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I am not asking for an update, but I am demanding for this account to be deleted from my consumer report immediately because of these violations. 
XXXX XXXX XXXX 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 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. Please see screen shot below of inaccurate information being reported on my consumer report. 
Account Status for all three bureaus are not the same. High credit for all three bureaus is not the same. Credit limit for Equifax is missing but the other two bureaus have a number. Last reported date is all different across all three bureaus. Date of last activity are all different between XXXX and XXXX and Equifax last active date is missing. Date of last payment is missing for XXXX and Equifax but is being reported for XXXX. If you are getting the same information from the same creditor, why is the reported information on my consumer report all different or missing. High credit limit is vastly different across all three bureaus. These inaccuracies and incomplete missing information are a violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ). I am demanding a complete deletion of this account off my consumer file immediately. 
Please see screenshot of inaccurate and incomplete reported information below : if the creditor is furnishing the same info why is the information different and/or missing. Please delete. 
Warm Regards, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.
Consumer complaint received 2019-10-23
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2022-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Account Name : XXXX XXXX XXXX Account Number : XXXX On the following dates ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) I was marked as being late on my credit report even though I called and made arrangements and accommodations was made. My account is now current and was current prior to XX/XX/XXXX. According to the CARES ACT " If you made an arrangement with a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/XXXX and 120 days after XX/XX/XXXX or 120 days after the XXXX national emergency ends '' I have contacted the credit bureau as well as the creditor and nothing has been done which is against the law and my rights given to me by the CARES ACT. 

Transunion is currently violating my rights given to me according to the CARES ACT by showing late payments for the above dates.
Consumer complaint received 2019-10-23
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (TX)

To whom it may concern : I am writing this goodwill letter to see if we can get a 30 day late payment removed from the credit bureau. We are in the process of refinancing our home and we cant have any late payments. We had made the payment with a check and the funds hit a hour late. Freedom mortgage rep said that it wouldnt clear that early but it did. Me and my husband work for the federal government and we cant be late on our mortgage, we fell a little behind due to the government shutdown but is slowly getting back on track. This was our first time being late!! Can you please remove XX/XX/2019 day late  payment. Thank you so much for your time!!
Consumer complaint received 2022-09-12
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. (TX)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$67.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00}
Consumer complaint received 2021-10-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Standard Mortgage Group LLC (FL)

I was in the process of refinancing my house with standard mortgage which took almost 6 months. The refinancing started since XX/XX/2021 At closing on XXXX XXXX the disclosure were not as agreed and they wanted {$20000.00} cash to close. So I cancelled and fill out the notice of right to cancel form and email it to them the next day ( XXXX XXXX ). Yesterday ( XXXX XXXX ) I received a notice of intent to file lien in the mail from Standard Mortgage charging me {$5100.00} for mortgage and processing services. The letter does not seem legit and looks as if it been made up. I check with XXXX clerks and thee is no proof there. I am sending a letter back to them letting them know I am filling a complaint with CFPB with the email of confirmation for cancellation and the wrong the disclosure. This is not right that a mortgage company can sell you a dream and provide wrong information and then when closing time they change everything and then a month after cancelation they are trying to charge me for a mortgage that I didn't close on. Also during the whole process I paid up front appraisal, credit check and inspection etc.