davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to express my deep concern and frustration regarding the numerous attempts to remove fraudulent items from my credit file. Despite my efforts to address and rectify this situation, it appears that unauthorized parties are persistently attempting to manipulate my credit report, raising serious questions about the security and accuracy of my credit information. 

On multiple occasions, I have observed and documented several attempts to remove fraudulent items from my credit report without my consent or validation. These actions not only jeopardize the accuracy of my credit history but also indicate a potential security breach. 

Despite the significant impact of these removal attempts, I have not received any communication from your agency to verify or authenticate such changes. The absence of proper verification procedures is deeply concerning and contributes to the ongoing vulnerability of my credit information. 

The persistent nature of these removal attempts has heightened my concerns about the risk of identity theft. I have taken immediate steps to secure my personal information, but I urgently request a thorough investigation to prevent further unauthorized alterations to my credit file. 

I am formally requesting that your agency conducts an immediate and thorough investigation into these incidents. I also seek regular updates on the progress of the investigation and detailed information on any actions taken to prevent and rectify the unauthorized removal attempts on my credit report. 

To assist in your investigation, I have attached relevant documents. I am asking for your assistance to remove these fraudulent items in my credit file : 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 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I have provided the accurate payoff statement for this account that is reporting as late payments in error and Ive provided valid evidence to support my claim ; i have proof of payment in full and it indicates the dates that shows I was never late and without your accurate proof of me having late payments I demand that you UPDATE!! my payment status to PAID AS AGREED NEVER LATE ( PAANI ) immediately -XXXX XXXX XXXX Date opened : XX/XX/XXXX Account XXXX XXXXXXXX Original Balance : {$62000.00} Status : Paid/closed ( XX/XX/XXXX ),
Consumer complaint received 2017-12-04
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WESTERN UNION COMPANY, THE (TX)

We became customers of a XXXX XXXX, a mortgage equity accelerator company in XXXX of XXXX through our mortgage company, XXXX which has since been changed to XXXX XXXX. I was made aware that actions were taken against XXXX  XXXX by the CFPB in XXXX for misleading advertisements and deceitful practices of how and when the consumers money was collected from consumer and deposited into the mortgage account. XXXX XXXX also promised an average savings of $ XXXX in interest that the CFPB found XXXX XXXX had no documentation to support these claims. A fund of {$34.00} XXXX has been set aside for customers to be reimbursed for all fees collected by XXXX XXXX. I was never notified of this finding from my mortgage company or from XXXX XXXX and was allowed to continue business until present day. I would like for XXXX XXXX to contact me and provide the reconstitution required by the CFPB 's finding to include reimbursement of all fees I have paid to Pay Map since I began doing business with them in XXXX of XXXX. I also want the two mortgage companies to understand that they should have alerted their customers of XXXX XXXX 's deceitful practices to give us an opportunity to cancel our business. I understand that my current mortgage company, XXXX, no longer does business with XXXX XXXX but never passed this information on to me, their customer.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I want to address the erroneous listing of accounts marked as late payment and collection on my credit report. Despite my long-standing history of consistently making responsible and timely payments as a loyal customer as reflected on the account history, these accounts are being inaccurately reported as delinquent. This is unacceptable and demands immediate correction.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (NY)

My Information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete this illegal accounts form my credit reports. List all these negative accounts for you Equifax credit report. Account names and account numbers and file your complaint with the CFPB
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Dear Equifax I have one question? Why does your company continue to disregard the law when all Im trying to do is get this inaccurate information off of my credit report? You sent me an updated credit report stating the account was verified, but you did not tell me how. I read somewhere on the internet that your company use a computerized system called E-Oscar to process disputes. Is that correct? You dont call the creditors to verify this information? I also read on the internet, that you dont really verify the items ; you just look in your computer and verify that way. That is not what your company is supposed to do. You are supposed to do a true investigation according to the laws put in place to protect me. The account below is damaging. 

XXXX XXXX XXXX | XX/XX/2022 : Account number : N/A, Account type is incorrect and not correctly displayed. I need this fixed ASAP. 30 days should be enough. 

When I talked with the furnisher they could not provide me with an explanation on why this account is reporting inaccurate. That is strange because they are the ones who put it on my credit report. Dont worry ; I will hold them accountable for their actions. I dont want to seek legal advice to protect my rights, but I will if this inaccurate information is not deleted. 

Please delete the above account and send me a full updated credit report ASAP Waiting.
Consumer complaint received 2023-12-06
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. (AZ)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act
Consumer complaint received 2023-12-06
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

Since XXXX of 2023 I have been sending Capital One letters to validate the debt they say I owe to them. They have not provided me anything that validates my debt per the fair debt collection act. Here are the things I have sent and requested below. 

1 ) An explanation of the alleged account balance. 

2 ) A complete Audit Trail calculation of this balance, including the complete payment history on this account, to confirm the amount is correct. 

3 ) Documentation that shows my agreement to pay this debt with my signature and my authorization to report this to my credit report. I did not give my consent to you having my information, and any unauthorized use of my social security number is identity theft and will be reported. 

4 ) The Agreement that grants you authority to collect on this alleged debt. 

5 ) A copy of your state license, including license number that gives you rights to collect in my state. 

6 ) The purchase agreement. 

7 ) A sworn statement under penalty of perjury to confirm your presence during the alleged debt. 

8 ) Demand for you to provide Chain of Custody for account to ensure the financing and hand-to-hand transfers are correct. 

9 ) Master Bill of Sale.
Consumer complaint received 2017-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (OH)

ON XXXX I sent letters to XXXX all ACH debits from my account for Payday loan companies ... sent a letter for each company as I got into a Payday Loan Consolidation program ... On XXXX I called Huntington and closed my account ( while it was still positive balance ) on XXXX and now XXXX they continue to take ACH Debits out - which now has my " so called '' closed account at - {$2000.00} ... this is not acceptable - I did everything on my end as I was told to.
Consumer complaint received 2023-12-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (TX)

On XX/XX/2023 I logged into my online account at Wise Bank and requested a domestic transfer of {$1600.00}. The transfer was being sent to a XXXX XXXX account that was previously 'Trusted ' by Wise and added to my list of trusted accounts. This is a transfer request that I make every month on the XXXX of the month. I have do so for a year without any issues. However, after submitting my transfer request, I was notified by Wise that my transfer has been paused while they verify my documents. Meanwhile, the {$1600.00} was subtracted from my checking account. I was not notified by email and was not given any details related to the type of documents that needed to be verified. I immediately used Wise support to create ticket XXXX XXXXXXXX. Two days later I received a response with instructions on how to login and cancel the transfer. The instructions provided were not able to be completed because the option to cancel was not available. I reported this to Wise support. I have since called twice to try to get the transfer either cancelled or completed. On XXXX XXXX, the customer service rep spent 15 minutes looking into why the transfer was paused. The representative told me she could not find a reason why the transfer was paused and verified that there were no documents that needed to be verified. She also told me that she did not have the ability to cancel the transfer or return the money to my account. She said after my previous conversation with a Wise representative that my ticket was being escalated to another department. I have not heard back from Wise or received any emails since XX/XX/XXXX. The {$1600.00} that is being held by Wise is not disposable income! I need depend on this money to pay bills which are not in jeopardy. Please help!
Consumer complaint received 2023-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (AZ)

I got a notification on XXXX XXXX that someone opened a credit card. I checked and it was mountain America credit union, which I have never had an account with them in the past. 

I see that they opened the account on XX/XX/2023 with a credit limit of {$7000.00} and they spent {$7000.00} I disputed it to the credit bureaus and I let the bank know that it wasn't me. The bank made me send my Social and ID over to their fraud department for investigation. 

I also filed a local police report online.
Consumer complaint received 2023-12-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

This complaint concerns Venmo support ticket XXXX, filed in response to a {$1000.00} transaction on XX/XX/2023 from my account ( XXXX ) to user @ XXXX. I was the victim of an employment scam, and this account fraudulently collected money from me. When I contacted Venmo, they said they take it seriously but would not reverse the charges not provide me any further information, citing privacy like a shibboleth that magically excused their failures. 

The account contacted me claiming to be XXXX XXXX XXXX XXXX XXXX ( they were not ) and offered me employment. After a fairly normal interview process, they sent me a check to buy equipment for my home office. That check then proved bad after I paid their alleged vendor, and I am out {$1000.00}. I acknowledge that I made a serious mistake in not doing better due diligence. I also acknowledge that the criminal here is the root of the problem. However, I allege the following against Venmo : XXXX ) There must be some way to challenge fraudulent payments. Venmo flatly refuses to provide any remediation path whatsoever, and they won't even talk about it. 
XXXX ) Venmo failed to verify the identity of their customer @ XXXX, and this resulted in a fraudster using their network and their inability to track them. 
XXXX ) Venmo failed to take adequate steps to make sure those using their platform were doing so in an honest manner.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

Dear Equifax : After reviewing your response to my dispute letter of charge-off account.

1. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX XXXXXXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 


I have received additional relevant information for you to fix this inaccurate charge-off account. I understand that you quoted the law in your letter you sent to me. The FCRA also states that I have the right to dispute inaccurate and incomplete information. For the fifth time, Im asking you to do a reasonable investigation and fix this problem. If you choose to ignore my dispute, when I have provided new and relevant information according to the FCRA, I will have no other choice but to escalate this matter and file complaints with the XXXX  attorney general, attorney general in your state, Consumer Financial Protection Bureau, Justice Department, Office of Comptroller of Currency, Consumer Action, Consumer Federation of America, Division of Credit Practices, Advocates for Fair Credit Reporting. 



1. You must assume that my dispute of this information is valid unless you have evidence that states otherwise. Do you have this evidence? If not, and you dont investigate, then you are being non-compliant. 



2. I have provided you further information on this dispute and, as a result, you must investigate and, if you choose not to, then you are non-compliant again. 



These actions are all violations of the FCRA. Every month you choose not to investigate this matter, my character is being damaged. 



Im carefully tracking all correspondence with your company. 



I think 30 days should be long enough for your company to complete this investigation. 



Sincerely, XXXX XXXX
Consumer complaint received 2017-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

Submit document for XXXX XXXX earlier this years receive paper confirmation that the history or the account will be removed because company took to Long to respond and there was no proof of the account. The account was being mailed to wrong address and the wrong email I never received any bill. Results stated on paper that they will remove the historical data of the account but it 's still posted I have been fighting this for months even though I have the paper work. Now that I have paid the account off the historical data is hurting my credit file. I 'M REQUESTING THE ACCOUNT BE REMOVED FROM MY REPORT. Or the historical data all be deleted. 

Also the address and the social variation is not mine.. I keep sending over documents to get these address removed and I also have active alert but I keep seeing address being added to my account and address staying the I do not know. THESE ADDRESS ARE NOT MINE. MY ADDRESS IS XXXX XXXX XXXX XXXX. ALL OTHER NEED TO BE DELETED
Consumer complaint received 2017-12-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I lost my job in the past and because of that my credit was affected. My car was giving me problems so I had to purchase another car. The dealership charge me more money than the car was evaluate for. And its hard for me to comprehend how capital one charge me an interest rate of 23 % for six years and the payment is so high that I cant even pay it so this car was not even good it starting me giving me trouble and I have to purchase another car. I call capital one multiple times evening can we do use the interest-rate which is 23 % but they kept saying they can not help me with that matter. I want to see how your bureau can you help me with that matter because it really bothered me to see that high interest-rate because my credit is better now I have another call at 4.62 % but this other one thats not even good Im still being 23 % on it and I can not even trade it because the value is so low. 
Please see yeah you can help me thank you
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

*This is not a duplicate complaint, new information is being submitted! 

The credit brueaus are not protecting the consumer. These accounts have been removed from my credit, yet keep reoccurring. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiries from the latter companies. 
I've also been discriminated against for being XXXX, resulting in lower then my strong credit should and did reflect.
Consumer complaint received 2023-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION (NY)

on XX/XX/XXXX  an application was extended on behalf of the principal and was discriminated against. i gave them notice of who i was and what i needed them to do. i showed them that they were in violation of my right to credit and they still would not extend my credits. This is discrimination and security fraud. i have given them notice over eight times for a whole month about there misconduct to know a vale. this act of dishonor is hindering me personally and my household.
Consumer complaint received 2023-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc. (NY)

I've got a Alpheon credit card that I've never applied for. 
They checked my credit score on XX/XX/XXXX. 
I found this card in my mail box on XX/XX/XXXX. 

I tried to reach to the company by calling them the numbers below. 
XXXX XXXX But I couldn't reach to any representatives but I accidentally activated the card. 
I didn't say anything about regarding " activating ''. I was trying to reach to representatives but the phone call system just activated the credit card. 

I think someone opened the account with my SSN without my consents. 

Also, I received an email on XX/XX/XXXX from SSA which is suspicious. The email is attached.
Consumer complaint received 2023-12-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Fay Servicing, LLC (FL)

The following email was sent to my mortgage servicer : Fay Servicing XXXX, I just received a notice that my request for loss mitigation has been denied again without any written or verbal explanation. This is my second attempt to ask Fay Servicing for assistance as I am vehemently trying to catch up with my mortgage payments due to unforeseenhardship circumstances. It should be noted that I am a XXXX XXXX veteran who recently underwent spinal/lower back XXXX, which rendered me unable to work for an extended period of time. 

It should also be noted that Fay Servicing sent the denial letter regarding my first loss mitigation application when it was nearly at the end of the XXXX expiration period. Further, Fay Servicing failed to address my subsequent appeal in writing. 

I understand that Fay Servicing has had a troubled history of " failing to provide mortgage borrowers with protections against foreclosure. '' See story : https XXXX XXXX 

Unfortunately, Fay Servicing 's latest action leaves me with no choice but to seek remedy with the CFPB ( Consumer Financial Protection Bureau ) since you are unwilling to help me with theforeclosure protection and loss mitigation under the XXXX XXXX XXXX Reform and Consumer Protection Act. A copy of this email shall be furnished to the aforementioned agency. Thank you.