davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-03
Product: Credit reporting 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've complained about being a victim of identity theft. You must remove any items that were 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 Balance : {$0.00} XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX Balance : {$2800.00}
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Equifax is reporting old, outdated, and incorrect information on my report and I have reached out multiple times in the last year about all of these with no luck. My next steps will be a lawsuit on Equifax. All incorrect information is below. 

My name should appear as XXXX XXXX XXXX only. Other two names need to be removed Address for XXXX XXXX is incorrect and I never lived there. Needs to be removed XXXX XXXX Bank account - paid in collection as pay to delete. needs removed XXXX XXXX XXXX are incorrect and paid to delete through XXXX XXXX XXXX and they said they were not reporting any longer. Account needs removed XXXX XXXX - account is almost 7 years old and they are reporting the comments and information inaccurately. Asking to remove XXXX XXXX - status should be reported as paid XXXX XXXX account - this account was paid to delete and should be removed XXXX accounts- 11 accounts were discharged and forgiven as part of a lawsuit and should be removed immediately from my report XXXX XXXX 3 accounts were also part of the lawsuit and should be removed immediately. 
XXXX XXXX account- is incorrect balance should not read {$910.00} XXXX- this account is connected with XXXX and was paid to delete. needs to be removed XXXX bank - XXXX bought by XXXX funding and I am paying this, but should not be reporting twice since it was bought by XXXX. Please delete XXXX - paid to delete in collections. Take off report XXXX XXXX XXXX - account is way too old over 9 years, delete from report XXXX - paid to delete take off report All other credit bureaus have either followed suit for most of these and have accurate information or I am in the works of updating the accounts with them.
Consumer complaint received 2019-11-06
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. (UT)

XXXX XXXX is reporting a new late in XXXX that I do not owe. My card and wallet got stolen while I was out of town so I had to cancel the card that the auto draft for my account was on which made the payment decline. I forgot about the auto draft and didn't know I was late until later because I thought the auto draft was still set up.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (DE)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (DE)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX ) XXXX XXXX XXXX XX/XX/year> XXXX ) XXXX XXXX XXXX XX/XX/year> XXXX ) XXXX XXXX  XX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX  XXXX XXXX  XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 
According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/XXXX This Credit Bureau XXXX : Request to Place a Security Freeze on Credit File Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file immediately. Due to recent concerns, I believe that placing this freeze is the best way to protect my credit profile and prevent any unauthorized access to my personal information. 
Please find my personal information below to facilitate this request : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, Florida, XXXX Date of Birth : XX/XX/XXXX Additionally, I am enclosing a copy of my identification ( such as a drivers license or passport ) and proof of address ( like a utility bill or bank statement ) as per your requirements for identity verification. 
Please confirm once the freeze is in place or let me know if any additional information is needed. 
Thank you for your assistance and prompt attention to this matter. 
Sincerely, .. ( XXXX XXXX XXXX
Consumer complaint received 2024-10-20
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX Address : XXXX XXXX XXXX number : ss XXXX Your NAME : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX SC XXXX Dear XXXX XXXX recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter
Consumer complaint received 2019-08-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (CO)

I have a mark on my XXXX Credit report showing that I failed to pay an "original balance" of $XXXX from XXXX XXXX. It states that the "Date Opened" (of the account) is XX/XX/2019. It is now in the hands of Southwest Credit Systems (XXXX XXXX XXXX, XXXX, TX XXXX). It shows an Account # which I have never seen before.I have no accounts with XXXX XXXX. I have not had any account or accounts with them in over a decade. I was never notified of any such debt. This negative mark is hurting my credit score and it has been for several months.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANC OF CALIFORNIA, INC. (CA)

" Banc of California reported a late payment on my credit report because they incorrectly applied my {$5800.00} XX/XX/XXXX payment to my escrow account instead of my mortgage, due to a {$380.00} shortfall for XXXX and XXXX. Although my mortgage payment amount changed in XX/XX/XXXX, I did not receive any notice of this change due to moved to new place and continued paying the old amount through XXXX  XXXX XXXX 's bill pay. 

By the end of XXXX, Banc of California sold my mortgage to another company, yet I still made the XXXX payment to them. My bank account consistently shows a balance of over {$10000.00} each month, so there was no reason I would have paid a {$95.00} late fee instead of the {$190.00} difference. 

I am requesting that Banc of California remove the late payment from my credit report, as they should not have applied my full XXXX payment to escrowespecially considering their decision to sell my mortgage. ''
Consumer complaint received 2019-11-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CA)

I WAS WITH OCWEN MORTGAGE SERVICING COMPANY HOME MODIFICATION ON XXXX THEY WROTE OFF PRINCIPAL AMOUNT TO BRING HOME LOAN DOWN TO XXXX FROM XXXX ORIGINALLY. 

MY HOME WAS MODIFIED WITH A SHORT APPRECIATION MORTGAGE OPTION. 

HOME WAS SOLD ON XX/XX/XXXX. 
I WAS FORCED TO PROVIDE A NEW ROOF ON THE HOME BEFORE IT WOULD PASS INSPECTION FOR XXXX OTHER CAPITAL UPGRADES INCLUDE NEW FLOOR ING {$5200.00} HVAC {$3900.00} NEW KITCHEN {$12000.00} PEST CERTIFICATE {$2800.00} PAINT {$800.00} FENCE {$3000.00} I ALSO PAID THE ORIGINAL OWNERS A BALANCE OF {$35000.00} ON THE HOME THEY SETTLED THE APPRECIATION MORTGAGE AND DID NOT GIVE ME ANY CREDITS FOR ALL OF THE UPGRADES TO CLOSE ON THE HOME. THEY DID NOT GIVE ME ANY AT ALL.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DE)

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, DE XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Subject : Request for Reinvestigation and Removal of Charge-Off Account # XXXX To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # XXXX. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading.

I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-08-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

The company is calling my employer telling the secretary that I have a debt and they have a warrent for my arrest.  They have also told her they will be serving me at my employment.  I spoke to them and requested they cease to contact me at my employment and if they would like any communications with me they can do so via mail.  They start to yell at me that I am not paying the debt, they are going to serve me today, that the debt owed is XXXX but I now owe over XXXX in fees.  They tell me they going to continue to call me until they get they money.  They hang up the phone on me as well.  I started to receive these phone calls after Capital One's breach.
Consumer complaint received 2024-10-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/year>, Wells Fargo notified my adult children via email that their accounts would be closed on XX/XX/year>. I, nor my wife, were informed that this was happening. However, my adult children forwarded their emails and that's how I came to be aware of this. I stopped by a branch in XXXX, NC, and was informed that all was well, and my accounts were still open. When I got back in the car, I called the XXXX number and after numerous transfers, I spoke to a woman in fraud and she stated, " there is suspicious activity. You know what you did ''. No further explanation at all. 

On XX/XX/year>, our adult daughter, not an authorized person on our checking or business accounts, called a representative and spoke to a woman. She asked her, " did you make a {$75.00}, XXXX deposit to another account? ". Our daughter said no. The woman then said, " there's been a 3rd party check deposited to the wrong account ''. Our daughter then made an appointment to come into a branch the next day. 

On XX/XX/year>, our adult daughter went to a XXXX, NC, branch to discuss why her account was being closed. She was informed that after everything in her account clears, she will get a cashier 's check. She told the man whom she had the appointment with about the phone call the previous day with a representative. He called the fraud department and spoke to them in front of her. His demeanor then changed. 

We had no knowledge that a 3rd party check had been deposited into my business checking account. Instead of contacting me about it, Wells Fargo closed all of my accounts. At the end of the XX/XX/year>, Wells Fargo kept {$14.00}, XXXX from our checking account. They kept {$1200.00} from my business checking account. They kept {$60.00} of our adult son 's checking account. They refunded our adult daughter 's savings {$16000.00} and {$130.00} checking. 

Where did the {$16000.00} of my money go? Did it go back to the 3rd party? I have tried, to no avail, to get answers from Wells Fargo. 

Also, our adult daughter called a representative on XX/XX/year> to see if the funds from her accounts had been disbursed. To her dismay, and she recorded this call as it is legal to do so in North Carolina, the woman spoke in detail to her about the business checking account that she is NOT an authorized person on. 

I will also be filing a complaint with the OCC.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

A prior dispute was sent out to the credit reporting agencies. Following the disputes the accounts all came back as verified and accurate. Ive recently submitted another dispute to these same credit reporting agencies requesting proof of the investigation that was done that deemed these accounts as accurate and verified per 15 usc 1681 I ( 7 ). If such proof can not be provided I want all of the accounts that were disputed to be removed.