davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (OH)

On XXXX XX/XX/2022, I sent a letter to US Bank regarding check # XXXX for {$1300.00} written on XXXX XXXX XXXX at the XXXX, Ohio location. 

I asked the Teller to distribute the {$1300.00} in the following manner : 1. {$1000.00} for Mortgage 2. {$240.00} Escrow Shortage 3. {$50.00} Credit Card 4. {$20.00} Extra Principal What he did was applied the following : 1. {$1000.00} for Mortgage 2. {$50.00} Credit Card I went back to the Bank and was told that locally they couldn't do anything. 

I sent the letter inquiring about what could be done and followed with a phone call. As a result, I was bombarded with telephone calls and correspondence regarding Loss Mitigation from US Bank. I was even assigned a Counselor!!! 

Unfortunately, the matter in which I was seeking assistance with was never addressed by US Bank.
Consumer complaint received 2023-03-07
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: EQUIFAX, INC. (FL)

( I demand you remove the inaccurate account listed on my credit report immediately! ) XXXX XXXX  XXXX XXXX XXXX want full validation of the accounts listed above including the originally signed contracts with my signature if you can not verify the accounts you must remove the accounts under FCRA Laws. 

Thanks 15 U.S. Code 1681i ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2018-07-18
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. (OH)

According to the FCRA section 605B, the credit reporting agencies have the duty to block any and all accounts noted to be attached to reported identity theft. On XX/XX/XXXX, I submitted a dispute to initiate this process via mail. According to the previously cited congressional act this process of blocking these legally cited accounts should take no more than 4 days, yet the process is nearing 30 days.
Consumer complaint received 2023-03-02
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: Bread Financial Holdings, Inc. (TN)

Per my XXXX credit report, on XX/XX/2023, a company requested a hard pull of my credit. I have never heard of the company in question, nor did I authorize the request. I disputed this twice with XXXX, once on XX/XX/2023 and once on XX/XX/2023, both of which times have been denied and the information is not being removed. It does not appear that any new accounts have been opened from this inquiry, and as such, I believe this is an erroneous hard credit inquiry by the company in question and not fraud. As a result of this, I have placed security/fraud notices on my credit file with all major bureaus ( XXXX, XXXX, XXXX ) XXXX as a precaution. 

The company in question that apparently made a hard inquiry is : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, OH XXXX I have attempted to contact the company directly, but so far have not been successful, so I am submitting this compaint.
Consumer complaint received 2023-03-02
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: DISCOVER BANK (TX)

I disputed these inquiries on XX/XX/XXXX due to identity theft/fraud that Im currently dealing with but the dispute results came back saying they will not remove it. I have made a police report and have an ongoing investigation and we actually know whos doing this to me because she put her cell phone number down for a XXXX  XXXX inquiry. 


My case # is XXXX with the XXXX Police Department XXXX XXXX I would like these inquires be removed from my credit report because it is identity theft/fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Certified Solutions, Inc (NJ)

I received a letter from a company called Certified Credit & Collections Bureau, stating that I owe a debt of {$910.00} to XXXX XXXX XXXX. I paid in full any debt that I had to the medical center. Further, I feel based on the letter that I received that the company is a scam. The address listed is XXXX XXXX XXXX XXXX XXXX NJ XXXX. They list a website that appears odd as well ; XXXX and a telephone number XXXX.
Consumer complaint received 2023-03-01
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: EQUIFAX, INC. (NJ)

I reviewed my Consumer Reports and noticed that I had two late pavments on an account Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 
XXXXXXXX XXXX XXXXXXXX : # XXXX .15 U.S. Code 1681a - Definitions ; rules of construction Exclusions ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; late payments are transactions & experiences. 

XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-02-28
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$94.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$190000.00}
Consumer complaint received 2018-08-22
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. (MS)

Hello, To whom it may concern The reason for this complaint today is I have incorrect information reporting on my credit report. I disputed the process three times. They still have failed to show me proof from the original creditor to report the information and no signed contract. I disputed this information XX/XX/2018 WITH EXPERIAN AND XXXX. I received a letter from Experian on XX/XX/2018 stating that they would look further into and investigate the information provided by me within 45days. I still haven't got a reply as of today 's date XX/XX/2018. It has been two months and more since i received the letter. I still haven't received anything from XXXX SINCE I MAILED THE LETTER OUT. They have went over and beyond 45days violating my consumer rights. I will ask for ALL the information that i disputed must be deleted immediately. If this information is not deleted in 15days i will file suit against these two bureaus. I have proof of USPS receipt as well as documentation of my disputes. Hopefully we can get this matter resolved with no further action.
Consumer complaint received 2023-02-28
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. (IL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-03-01
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: EQUIFAX, INC. (CA)

I am writing to file a dispute against XXXX, XXXX XXXX Equifax consumer credit reporting agency, for their violation of my right to privacy and their unlawful furnishing of data onto my credit report without my written consent on XXXX XXXX XXXX  Acct # XXXX According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i credit reporting agencies like XXXX, XXXX XXXX Equifax are required to obtain written consent from consumers before furnishing their data to third parties. However, I have recently discovered that XXXX, XXXX XXXX Equifax has furnished data onto my credit report without my written consent, which is a direct violation of my rights under the FCRA. 

Furthermore XXXX, XXXX & Equifax has not been transparent about the data that they have furnished onto my credit report. They have failed to provide me with a clear and complete disclosure of the nature and scope of the information that they have collected and disseminated about me. 

As a result of XXXX, XXXX & Equifax actions, my privacy has been violated and my credit report has been negatively impacted. I have suffered financial harm as a result of XXXX, XXXX & Equifax unlawful furnishing of data, which has caused me to be denied credit or to receive credit on unfavorable terms. 

I am requesting that the Consumer Financial Protection Bureau investigate XXXX, XXXX & Equifax for its violations of the FCRA and take appropriate action to ensure that my privacy is protected and that they cease all unlawful furnishing of data onto my credit report without my written consent Thank you for your attention to this matter.
Consumer complaint received 2024-11-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

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 2018-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/XXXX XXXX charged my credit card {$150.00} as a wire transfer which was not authorized. Capital one refuses to reverse these charges as a wire transfer when the purchase was a credit transaction. No signs posted or notified by XXXX that any transactions will be considered wire transfers. Now I am being charged monthly interest charges by capital one for this. Capital One offered to credit one months interest charge but I would continue to collect interest charges until the balance of my account is paid.
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

On XXXX XXXX I sent out a letter after reviewing my credit score with Equifax.I noticed some incorrect information on my account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that they have on file of the accounts which I've listed for them on the documents that Ive attached. Equifax failure to positively verify these accounts has hurt my ability to obtain credit. Now under the FCRA, unverified accounts must be removed and if Equifax can not provide me a copy of verified proof, They must remove the accounts listed below. 
I demand the following accounts be verified or deleted immediately & not updated inaccurately. Its been well over 30 day from the original date of me notifying them and I still have not gotten any type of update or removal documents from them.
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

This letter pertains to communication that XXXX XXXX XXXX XXXX, XXXX, XXXX and Equifax reporting agencies refuse to update, correct or delete. I am a victim of the many different data breaches that include the names above. I've tried several times to correct this information however these companies will remove and update my information for a short period of time before applying it back. I have written, called and emailed to dispute inaccurate and outdated information that has been reported to my credit report. 

I have reviewed my credit report and confirmed that this information is incorrect and is negatively affecting my credit score. I've requested that the agency immediately remove this inaccurate information from my credit report. 

Furthermore, I would like to requested that the agency conduct an investigation into how this inaccurate information was reported to my credit report in the first place. I have taken the necessary steps to ensure that all of my accounts are up to date and paid on time, and I am confident that this inaccurate information was reported in error. 

Please provide me with written confirmation of the investigation 's results and any corrections that are made to my credit report as a result of the dispute.
Consumer complaint received 2018-07-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Vargo & Janson PC (CO)

The company and their lawyer has only given me limited information on the debt, so it is hard to say what it is. I had numerous credit card numbers stolen 11 years ago and didn't find out until the accounts were closed, that it happened. I didn't know what to do. The tactics performed by this company and their lawyers seem unlawful. They are trying to have me arrested, despite their limited knowledge of the account. They can't prove that I owe the money, based on the letter they sent me with all the info. It was only a single sheet of paper. I requested the full file on the account and their lawyer XXXX said that is all they have. They obviously bought the account for pennies on the dollar and are trying to harass me to get over $ 10K from me. They know that I don't hold a job and am XXXX. They continue to harass myself and my parents. One of their employees who delivered a letter to my mother used inappropriate language when dropping off the court hearing request. These tactics need to be looked into, because my poor mother shouldn't be cursed at by some sketchy XXXX they employee. I also find it funny that the addresses listed online for both businesses are the same. Seems like they are trying to pull something on consumers to parade around to be an entity which they aren't. Please help myself and others from further harassment caused by these bottom dwelling low-life lawyers only out to get rich at the cost of people 's livelihood.
Consumer complaint received 2018-07-18
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: WELLS FARGO & COMPANY (GA)

I am a victim of identity theft and I write to dispute certain information in my file fro the crime. I have included the items in this letter and listed items within my affidavit. Please block and remove this information immediately. 
As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the items be removed and corrected.

Delete the following accounts : 1. XXXX XXXX/XX/XX/XXXX not mine 2. WellsXXXX XXXX XX/XX/2017 not mine.
Consumer complaint received 2018-08-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (MD)

I've been attempting to have this debt removed from my credit history due to the collection company failure to show origin for the last six months. I personally contacted them on XX/XX/2018 and prior months before through XXXX XXXX. I requested a copy from the representative which she replied she would send almost two months ago and I haven't received as of yet. I asked why I never received any notice of this debit to which she replied a notice was sent to a XXXX XXXX which I haven't had in over 25 years. I gave her the address to send the bill to and also stated that if this was a medical bill I'm sure there was an address I stated when registering. She stated the bill was from XXXX Hospital Center. I went to the XXXX billing office and was told I had no fees owed to them. I relayed this info to the collection agency but their only response was to resubmit these bill to all three credit bureau agency as if they were new account for which I took a hit on my credit reports and believe that was there intention.
Consumer complaint received 2018-08-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (SC)

I have disputed this account not knowing at first who it was. After research I realized it was from an apartment I rented over 5 years ago, that I never missed a payment nor was late ever. When I moved out I spoke with front office giving them a month notice saying they could keep my deposit.I was told that everything was fine. I even called original company and was told I don't owe anything. This company that is trying to collect a debt from me that I have never even heard of for the amount of XXXX. This is insane and I have never even spoke with them and never have I even received any notice from them. This is all unauthorized and is breaking the law by damaging my credit with false reporting. I want this issue deleted from all 3 credit reports instantly.
Consumer complaint received 2018-08-22
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)

The credit bureaus and XXXX XXXX alike have stated that the entry of this account on my credit report is verified. I beg to differ. In my most recent credit report ( see attached ), the following errors are present : Two different open dates are reflected : Experian reflects XXXX & XXXX  reflects XXXX. 
Experian reflects terms of 1 month ; however, I have never opened an account nor have I ever signed a contract with this company. 
Experian reports that there is negative payment history XXXX, XXXX, and XXXX of 2018 ; yet XXXX  reports no payment history. 

These inaccuracies alone are grounds for this entry to be removed. The FCRA states that entries reflected on my credit report should be 100 % accurate ; these entries are NOT. Additionally, XXXX NEVER sent a dunning letter to inform me that they were attempting to collect on this alleged debt. By not doing so, this forfeited my right to dispute the validity of this account -- -of which is my consumer right. 

Delete this entry immediately from my credit reports.
Consumer complaint received 2018-08-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (CA)

PNC has not properly credited my payments. I am getting threatening calls. They said I am two months behind but never specified the dates. I then opened a complaint with the CFPB and they returned credited two payments to us. One after 93 days! My previous complaint number is XXXX
Consumer complaint received 2018-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MN)

In XXXX I froze my Experian credit report and received a PIN to use to unfreeze the account. Twice I have tried to use this PIN to unfreeze the report and twice I have been unable to do so. Experian does not have a customer complaint telephone number so I am forced to write to the company and wait for a reply. I just want to unfreeze my account when necessary and do not think I should have to wait to do so. Time is of the essence.
Consumer complaint received 2018-08-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

I'm a XXXX XXXX XXXX  US Veteran, i have a VA loan on my home, the servicing companies keep changing now i have some company called XXXX XXXX XXXX from XXXX with offices in USA. 

Today i got a letter telling me that i must now pay over $ 8,000.00++++ as they now say they forgot that i have no escrow account? I have never ever had any escrow accounts ever. I pay my own taxes and insurance. They then tell me they no longer want to do that and now I must pay this money directly to them or lose my HOME? 

This is some sort of fraud and shake down in the nearly 10 years in my home i have never ever had any escrow impound account, i pay all my self and have never ever missed any payments. 

It appears to major fraud against both the VA and me