davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

To Whom this may concern, My name is XXXX XXXX XXXX, I have been a victim of Identity theft. 
I have recently gotten my credit report and have found a number credit card applications and auto loans application that have run my credit and did not have my permission to do so. 
The banks and dates that did not apply a card with is : XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX Capital one, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , XXXX XXXXXXXX XXXXXXXX XXXX  , Capital One Auto Finance, XXXX XXXX XXXX XXXX XXXX. 
Because of the number of times this fraud has tried to run applications under my credit, they have hurt my credit very much. I am asking that these hard inquire be taken off my credit report. I was not me that submitted any application or give permission for my creit to be run by any of these creditors of loan banks. I will ask for a full prosecution when this person if caught. 
I can be reached at XXXX XXXX XXXX or email at XXXX. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-07-11
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (HI)

I requested and was granted by Onemain Financial a payment accommodation ( deferral ) plan on or about XXXX of 2022 in accordance with the Cares Act. My account # is XXXX. Late payments were reported in XXXX and XXXX of 2022. On two different occasions Onemain Financial reported me late to the credit bureaus adversely affecting my credit. Onemain Financial was prohibited in reporting me late as I was making modified on time payments as a part of the deferral agreement, and the agreement was made under the protection under the Cares Act regarding credit reporting an scores. According to the law, when you make an agreement with your creditor to modify repayment, the creditor needs to report to the credit bureaus that you are current on your loan. Onemain Financial failed to do that and reported me late severely damaging my credit score, and costing me several business loans and credit cards. The Cares Act was extended by Congress in 2022.
Consumer complaint received 2022-07-11
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: Experian Information Solutions Inc. (NJ)

I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge. Please note I am the only natural person writing this statement. There is no 3rd party helping me with this matter. The credit reporting agency failed to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. Please see attached letter that was sent.
Consumer complaint received 2021-10-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IN)

Ditech is attempting a Sherriff 's sale and fraudulent foreclosure with XXXX XXXX XXXX ( no affiliation with this loan ) and a XXXX XXXX ( no affiliation to this property ) as defendants in a fraudulent foreclosure on a property they no longer service. How?
Consumer complaint received 2021-06-21
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: EQUIFAX, INC. (TX)

I have sent several letters via certified mail to XXXX XXXX, XXXX, Equifax and XXXX regarding a Car Repossession listed on my credit report. I have disputed the account for unfair and inaccurate reporting numerous times to no avail. I have also asked for the method of validation of these inaccuracies from all three credit bureaus only to be sent their computer generated verified as accurate letter from XXXX, Equifax and XXXX. The account still to date has inconsistencies reporting to all three major credit bureaus. For instance, on XXXX the last pay listed as XX/XX/XXXX. Same account via Equifax last pay listed as XX/XX/XXXX. And XXXX last payment date is unknown. The account was previously listed as closed with no known updates since XXXX of XXXX. That is until Equifax updated payment history on XX/XX/XXXX and XXXX on XX/XX/XXXX with 20+ late payments as well as XXXX dating back to original close date. I also noticed that each month from XX/XX/XXXX until now XX/XX/XXXX XXXX XXXX has been continuously updating the balance each month and accruing interest on said closed account. According to my credit report in XX/XX/XXXX the balance was {$13000.00} as of today XX/XX/XXXX the balance is {$15000.00}. Thats a difference of {$2400.00} in interest on a closed account in repossessed status. I find this to be not only illegal but unethical on XXXX XXXX  behalf. I also find that all three bureaus are blatantly refusing to uphold the laws set forth by the FCRA for continuing reporting this false information. From my understanding XXXX XXXX is already involved in lawsuits and litigations by several other previous clients for these exact practices amongst other unfair account handlings. I am requesting that XXXX XXXX, XXXX, Equifax and XXXX remove this erroneous information from my credit report and that it also not be reinserted onto any of my credit reportings at a later date.
Consumer complaint received 2024-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (KY)

Back in XXXX my boy friend and I wanted to go for an apartment and I used my credit on line since then my life has gone to XXXX I wanted to use my credit just a few months back and low and behold I saw two accounts that i never had a deal with ever XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX I called the creditors and they both stated sent it to the credit agencies start the dispute and we willol in to it this was back in XXXX of this year and I said its not possible to get so many ambigous responses but it I got it from the creditor one month later to the credit agencies and then they just grew tired of me and send a response The documents you are sending are not yours but a from a credit lab no no no Its me I send them my driver licence social police report and ftc report XXXX XXXX XXXX help me please and then after my calling to them I got inquirires from where I have no idea XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-27
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: General Motors Financial Company, Inc. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... GM FINANCIAL XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Denefits LLC (CA)

My on-time ACTIVE 10-month of Payment Plan Contract with XXXX XXXX XXXX, XXXX Texas XXXX XXXX XXXX # XXXX Registered Agent Name : XXXX XXXX. XXXX XXXX XXXX is also the individual who solicited me for the " Loan Package Fee ''. I was to pay {$2500.00} for a GUARANTEED {$100000.00} business loan funding package within 90 days. He also sold a fraudulent file to a collection agency trying to collect {$10000.00} for services not rendered. He told me the XXXX loan would report to all XXXX credit bureaus and would boost my score. There is no reporting of any payments on any of the 3 Credit Reporting Agencies. XXXX, XXXX, XXXX. I've had multiple calls with XXXX XXXX with my concern about why payments are not reporting as an open active good standing account. He actively runs XXXX XXXX  under the names : XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX Which he has tried to sell and bind me into more false misrepresentations to other contracts to only sell them within 30 days to collection agencies. Offering 90-Day GUARANTEED CREDIT SWEEP Results for a FEE.
Consumer complaint received 2022-07-11
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: Experian Information Solutions Inc. (TX)

FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Account charged off. {$2200.00} written off. {$2200.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Transferred, closed. $
Consumer complaint received 2021-06-21
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: SLM CORPORATION (NY)

Hello, I've been trying to open an account for about one week. Although I've been on the phone with numerous representatives, none have been able to overcome whatever the issue is. The bank shouldn't be able to advertise rates if they can't honor them by not allowing the opening of an account. The message I've been receiving when I enter my information is, " Sorry, your information doesn't match our records. You may have entered something incorrectly. Please try again. If you continue having log-in issues, call us at XXXX. '' Even though the representative verifies this very same information, their system is reading the information as being incorrect. I believe this is occurring because it's reading my mom 's account information where I am the beneficiary. This beings up system integrity and privacy issues and ought to be looked into.
Consumer complaint received 2024-08-10
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. (AZ)

I also forgot to mention these XXXX oth inquiries in my last report because I did not know how to my reference for identity theft to the FTC is XXXX, I home this can be resolved
Consumer complaint received 2021-06-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.
Consumer complaint received 2024-11-01
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. (TX)

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 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 2023-03-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kimball, Tirey & St. John LLP (CA)

On XXXX I received an email that a new collection was added to my credit report the email was from XXXX XXXX 
Kimball-Tirey & St.John LLP A third party collector foXXXX XXXX XXXX XXXX XXXXXXXX have multiple times added a debt of over {$4000.00} to my credit report. It was removed once then placed on again. I have disputed it multiple times. It is also on my partners report as the same amount of more. 
The letters and reports are separate not placed on as a joint account. 
The judgement was {$630.00} I agreed to pay the {$630.00} and the {$360.00} Attorney fees before the 3 day notice to the original creditor I was informed that I could get a money order for the XXXX which was the above and late fees plus the new rent and then we would be ok. When i took the money to the landlord she refused the money order and said her boss told her to refuse it. I had to cash the money order and pay what was due {$630.00}. 
By mail. The holdover damages and costs were not something I agreed on or anything included in my contract. The lease was forfeited. Since XX/XX/XXXX I have received multiple bills for different amounts and harassing phone calls not only myself but XXXX XXXX who was not in the lease but for an additional XXXX. 
This has effected my credit terribly. I did not do business with this company and they are not familiar with my account and the charges they keep adding and interest are disputable and make no sense also I am unsure of their intent by adding this to my credit as a new collection at least 1time per month. The creditor refused the payment and the due amount that is an actual charge I owed was paid but the amount I payed is included in their bill repeatedly. We have actually been living in a motel since this happened. The market went sky high and XXXX came so it has been a nightmare for my family and it continues to ruin both of our credit. Is there anything that can be done for me? Please let me know. I can't get anything with this in my credit report it is effecting my entire family. XXXX XXXX.
Consumer complaint received 2022-12-07
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: WELLS FARGO & COMPANY (NJ)

Hello, I am reaching out in regards to a dispute I opened up with Wells Fargo. This dispute was for hotel stay at XXXX XXXX XXXX ( XXXX ), I booked through XXXX for a trip to XXXX, I originally booked a stay at this hotel through XXXX to ensure that if I had any trouble they would be able to help me but it seems they are offering no help when it comes to disputing this charge even though I was assured that I would be able to get my refund by the hotel staff. The other members of the group I was traveling with also had the same issues and they were refunded for the stay. ( See Attachment ) Since XXXX was not helpful I disputed it with Wells Fargo. The reason for disputing this charge is because I did not stay at this hotel for the entire booking due to hotel conditions. The rooms were filthy, much smaller than advertised. XXXX units were not working properly and bugs everywhere. 

The Wells Fargo card is the XXXX which is a XXXX XXXX card. XXXX is also stating that they can not help me get a refund because I stayed at the hotel past 15 min but I had no other options. We arrived at around XXXX XXXX in a country that we are not familiar with so it would have been impossible to find anywhere else to stay. 

I have been disputing this charge since XXXX and still have not been helped. Wells Fargo constantly sends my dispute from team to team stating they can not help me, reject tej dispute or tell me to reach out to the merchant which is nearly impossible. 

I have attached photo 's of the room and proof that the group I was with received a refund from the same merchant for the same booking. 

Thanks!
Consumer complaint received 2024-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Subject : Complaint Regarding Reinsertion of Previously Deleted Information in Credit Report Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the reinsertion of information that was previously deleted from my credit report. This action violates Section 611 ( B ) of the Fair Credit Reporting Act ( FCRA ), which clearly outlines the procedures and requirements for such reinsertion. 
Details of the Complaint 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 TRANSUNION deleted the following information from my credit report : was removed from your credit report. This deletion was based on removed account. 
XXXX XXXX XXXX XXXX Despite the clear provisions under Section 611 ( B ) of the FCRA XXXX which require a creditor or information furnisher to notify me in writing of their intent to reinsert any deleted information, I recently discovered that TRANSUNION has reinserted the previously deleted information mentioned above. However, I did not receive any prior written notice regarding this reinsertion. 
XXXX XXXX XXXX  This reinsertion has adversely affected my credit standing and financial reputation. It has potentially harmed my ability to obtain favorable terms on loans, credit cards, and other financial products. 
XXXX XXXX XXXX XXXX XXXX  In accordance with the FCRA, I request the following actions to be taken : XXXX. Conduct a thorough investigation into the reinsertion of the deleted information in my credit report. 
XXXX. Ensure that Transunion complies with the notification requirements outlined in Section 611 ( B ) of the FCRA. 
XXXX. Correct my credit report by removing the reinserted information promptly. 
XXXX XXXX XXXX XXXX  Enclosed with this complaint are copies of relevant documents, including : - Copies of correspondence with Transunion regarding the original deletion. 
- Copies of my current credit reports highlighting the reinserted information. 
- Any other supporting documents deemed necessary to investigate this matter. 
XXXX XXXX XXXX XXXX  Please feel free to contact me at the above address or by phone at XXXX should you require any further information or clarification regarding this complaint. 
I appreciate your prompt attention to this matter and look forward to your swift resolution. Thank you for your assistance in protecting consumer rights under the FCRA. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-02-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

CFR Violations. 
This correspondence is in regard to violations of Coded Federal regulations committed by BANK OF AMERICA. I XXXX XXXX have been made aware of these violations. I am in distress after being made aware of said violations. This knowledge has created many hardships for my estate, as well as striping my comfort and jeopardizing my security. It is inconsolable to learn that BANK OF AMERICA does not operate with integrity. 
This correspondence is also in regard to adverse action committed on XX/XX/XXXX. The adverse action offer is here by rejected, a credit/ bank application is a financial asset ( 12 CFR 360.6 ( 2 ) ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). 
These violations consist of but are not limited ; 7 CFR 765.305 Release of Securities 12 CFR 1026.13 Billing Error 12 CFR 226.6 Account opening disclosure 12 CFR 1002.2 Account Definitions 12 CFR 141.5 15 U.S.C. 78j Adverse Action 15 U.S.C 78ff 15 U.S.C 1691 ( a ) ( 3 ) 17 CFR 260.11b-6 18 U.S.C. 241 18 U.S.C. 242 18 U.S.C. 1341, 1343, 1961, 1962, Civil RICO Title 42 U.S.C. 1983 Constitutional XXXXnjury, 1985 Conspiracy, 1986 Knowledge and neglect to prevent a U.S. Constitutional wrong. Under Title U.S.C. A.241 Conspriacy case no. 96-41-347-DRS Memorandum of Law 8 violators shall be fined not more than {$10000.00} or imprisoned not more than 10 years or both
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.