davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-14
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 (FL)

I have an inquiry on my XXXX Credit report from CAPITAL ONE BANK. This inquiry was not done by me on XX/XX/2023. I called Capital One Bank Fraud Division on XX/XX/2023, per XXXX customer service and try and resolve. I spoke with a representative and was told they would contact the credit bureau and fix the problem. However, when I called XXXX back to see if they were contacted by CAPITAL ONE, they advised nothing was reported and the inquiry would stay on report for 2 years. This is affecting my credit report and since I can not seem to find a solution from either XXXX or CAPITAL ONE. I need assistance with this situation from your organization.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (LA)

This is my third dispute on this company XXXX XXXX XXXX. This company is trying to collect a debt that is not mine! They are playing games with my credit reports! I will dispute it with CFPB and the credit reporting agency will remove it because it 's not my debt! But then the XXXX XXXX will placed it in another credit bureau a week later! I 've disputed this from my XXXX, XXXX and now XXXX credit report! This is not my debt and I 've proven that I 've lived at my current address 2 years. I never authorized anyone to use my information to obtain credit or utility services! And they always place it in a credit report without giving me a right to dispute which is against the law. They have sent me no notices which is required by FCRA laws asking me if this is my debt before they place it in any credit file. The original creditor is XXXX XXXX and as I 've explained before I 've been living at the same address for 2 years and do n't have cable with XXXX XXXX at my address. From the information that I 've gathered, the account is a recent account that does not belong to me. Now that I 've disputed with all 3 major bureaus and CFPB 3 times I do n't expect to have to dispute again. And if I do I have record with you and my next step is a civil or class action lawsuit because I 'm sure that I 'm not the only victim they are doing this to. This is taking up too much of my time to have to dispute this ID theft repeatedly!!
Consumer complaint received 2016-04-30
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

An extended fraud alert was placed on XXXX/XXXX/XXXX with Transunion File # XXXX. I was told it would last 7 yrs : XXXX. Sometime between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, an individual, who has been fraudulently using my Social Security Number for at least 12 years to try to open lines of credit and earn wages, was given access to my credit profile and was able to successfully change or add the name, address and fraud alert contact number to her own, therefore being able to successfully secure at least XXXX lines of credit with a credit card company. This is unacceptable and does not make any sense. I specifically named her as an identity thief with the FTC and Transunion going back to XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XXXX/XXXX/XXXX, a Transunion representative says they are " repairing '' my credit profile, but refused to provide me with a copy of the credit file showing how my information had been manipulated so that I could add this info to the policy report and further protect myself. The other credit bureaus ask you to mail in your requests - which is leaving an victim of identity fraud open to more fraud ( mail theft???? ). This is a thoroughly maddening and disappointing process and something needs to be done so that the credit bureaus start adding layers of fraud protection and identity verification. It is harder to change info on my email account than it is to change info related to my SSN. This is unacceptable.
Consumer complaint received 2016-09-19
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Federated Law Group (FL)

Federated Law group harrassing to collect a debt they purchased from their client, XXXX XXXX, XXXX closed the collection last year and it is no longer in my credit report, federated law group sued me and is demanding I pay back the debt plus court fees, I did not go to court ( 2013 ) so the judge ruled in their favor
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

According to my research about FCRA 605, 3 Credit Bureaus are required by law to remove & block any accounts which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following accounts that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-05-01
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY (TX)

I have been disputing a credit card account, that does no belong me, that was reported to all credit bureaus by Wells Fargo. The credit card belongs to my cousin who has had this card for more than 15 years, and in 2007, it appeared on my credit report. He called Wells Fargo to inform them that the card belong to him and should not be on my credit report. They told him all they could do is cancel the card but it will still show on my account negatively. He still use this card today. All these years this has effected my credit, my ability to get jobs, new credit, and most importantly, I have had to make some challenging life decisions because of this neglect from Wells Fargo.
Consumer complaint received 2016-05-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

I have reported several issues with my credit file and Experian refuses to correct. They also prevented me from performing an online dispute ; 1 ) XXXX status date should be XX/XX/XXXX and not XX/XX/XXXX since the vehicle was sold in XX/XX/XXXX 2 ) XXXX XXXX - missing on time payments that were reported from XX/XX/XXXX to XX/XX/XXXX. 
3 ) XXXX XXXX - lease paid in full prior to filing - status date XX/XX/XXXX and not XX/XX/XXXX this would re-age my account drop off date. 
4 ) XXXX XXXX - account was closed charge off ( noted on report ) XXXX prior to Chapter XXXX filing. Status date should show XX/XX/XXXX and not XX/XX/XXXX. Having the status date of XX/XX/XXXX would reage the drop-off date of the account. The comments should indicate date of discharge not status date which they are using to calculate my time since late for financial institutions in credit scoring. Time since late = 16 months - which is not correct for all accounts they have listed ( XXXX ). This is negatively my ability to rebuild my credit and obtain credit after filing. It is also affecting my interest rates. Experian has also blocked my ability to dipute these issues online.
Consumer complaint received 2017-02-07
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

After receiving a " Payoff '' amount from Beneficial Mortgage in XXXX, 2000 in the amount of {$5000.00}, I paid this amount at the agency in full. 17 years later, Beneficial reports a charge-off to the IRS in the amount of {$5000.00}. The IRS sends me an outstanding tax bill since this was reported to them on a XXXX. 

I challenged Beneficial and was told I underpaid in XXXX2000 by {$750.00} and therefore, after accumulated interest over 17 years, they decided to charge it off instead of seeking payment. I have NEVER received a late notice, balance due or adverse payment history on my credit report from Beneficial. How can they do this? The bank I paid this account through is no longer in business XXXX XXXX XXXX XXXX Bank XXXX. And even if they were, I was told, records this old would not be maintained. There are XXXX of complaints against Beneficial on the web site all siting similar experiences. What can I do?
Consumer complaint received 2017-09-06
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (OH)

Our complaint is against CitiMortgage and their legal representation the law firm of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, OH. XXXX. 
InXX/XX/XXXXwe started a mediation process with the legal firm trying to say our home from foreclosure. Without success. 
In XX/XX/XXXX we were served papers telling us to leave the home that it was going to be sold at sheriffs sale. 
We vacated the home found a property that moved into under a land contract agreement with the understanding that after three years we would be able to purchase property as is the required amount of time to wait after a foreclosure. we also put a down payment of {$14000.00} over a 3 year period as well at {$1300.00} per month rent. 
We waited our 3 years out and applied for a loan to find out the Citi had taken our foreclosure off the sheriffs sale website, because they had listed the previous owners of our old property as party of interest. 
Correct me if I am wrong but once we purchase the home in XXXX the previous owners gave up all rights to the home. As we had purchased a mortgage. 
The attorneys representing Citi had listed previous owners as parties of interest in our property and had found out that in XXXX XXXX the grand-daughter of the previous owner had filed chapter XXXX therefor ordering a withdraw of sale. 
Citi set on the property from XXXX XXXX till XXXX XXXX with not movement. They eventually released property for auction at which time title was transferred to new owners XXXX XXXX. Leaving us in position of waiting another year to be a able to purchase another home under FHA guidelines. 
We are now out of contract with our current home and the seller has increased the sale price and we our out the {$14000.00} because we failed to obtain financing, because of that three year wait period. 
I have compiled all documents pertaining to our foreclosure and how from the very beginning of the mediation process to the final sale to new owner Citi and their counsel have miss handled this case, simply by including previous owners in the process. 
I have spoke to legal counsel, XXXX county recorders office, chapter XXXX  office, XXXX county common pleas court, numerous FHA lenders, FHA ( to find out if they had a cavious report, which they have no record of ), representative of the law firm that represented Citi, ( which the response I received from the was, " we do n't have to give you free legal advise '' ), and proceed to hang up on me, XXXX XXXX XXXX that handled the close of our home back in XXXX and their in house legal counsel. Everyone I have spoke with has stated that this is a colossal mess and all stems back from Citi including the previous owners in OUR foreclosure. 
I would like action against Citi and their legal counsel.
Consumer complaint received 2017-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have a XXXX XXXX XXXX XXXX account. It shows a late payment on this account that is NOT correct. I have disputed this with the credit bureaus and also with XXXX XXXX directly. They claimed they investigated this and they are reporting correct information. There is NO way this is true. 
It was paid off and the last payment made was in XXXX of XXXX. I was told this on the phone with XXXX XXXX and then it shows this on my credit report. Some how they then claim I made a late payment 2 months after this account was paid off. This is impossible to have occurred. I tried to tell them this over the phone and they refused to speak with me about it over the phone. They said that I had to send a letter to their dispute center. I did so and explained there was no way this could have happened and it has STILL NOT BEEN CORRECTED. 
I tried to explain this to the credit bureaus and to XXXX XXXX and they have refused to change this and they have left me with no options to get this corrected. What they claim is not possible and I have no documentation to support this because there were NO PAYMENTS DUE after XXXX of XXXX. TransUnion accused me of being a liar, and that was supposedly a manager of TransUnion. 

I am very frustrated because this account is causing me great harm and has been for a while now. I want this account removed now! I would also like something to be put in place to help others in this situation. There needs to be an easier way to resolve these types of situations without having to file complaints to get someone to listen to you. I have spent hours of my time and money arguing this with them and this is COMMON SENSE! It is NOT Possible to have made a late payment 2 months after he account was paid off and the last payment was made. There is NO WAY ANYONE INVESTIGATED THIS because if they had, they too would have realized this is a false claim.
Consumer complaint received 2017-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NC)

I previously held multiple accounts with Wells Fargo for many years. The account in question was a secured credit card from XX/XX/XXXX up until XX/XX/XXXX. I would frequent the local branch to keep in constant contact and discuss the best ways to use the card to improve credit. The last conversation I had was when I advised I was no longer employed with my ( now previous ) employer, and I needed to close the account. She advised I just let it sit and it would close on its own and show up as a paid but closed account. I have looked over my consumer credit report, and see a span of time where I was reported late for ( 3 ) consecutive months which had a HUGE negative impact and cost me a lot of money on future accounts in interest as well as lowering my credit rating. I listened to the representative, and am now suffering the repercussions. After doing some research, it has come to my attention that this very well could have been a plot the whole time. The lawsuit proves they do not act in good faith, and have yet to show good record keeping or doing their due diligence as required. This is the second time an oversight has put thousands of consumer 's personal information at risk. I have since closed my previous account, and am about to close my last ones including my business account. As much as I thought they were an upstanding company, they have since proven me wrong. That is a mistake I will not make again. " Fool me once shame on you. Fool me twice, shame on me. ''
Consumer complaint received 2016-09-20
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: TD BANK US HOLDING COMPANY (FL)

THOSE SEVERAL DEBIT ARE NOT MINE, OR I HAVE NOT AUTHORIZATION, OR NEVER USED THIS COMPANY, TO RENT O BUY MOVIE ... .I INFORM TODAY A TDBANK SUPERVISOR, XXXX TO XXXX ( fraude of {$100.00} ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX PURCHASE AUTHORIZATION XXXXXXXXXXXX {$1.00} XX/XX/2016 XXXX {$.00} XX/XX/2016 XXXX {$.00} XX/XX/2016 XXXX {$.00} XX/XX/2016 XXXX {$.00} XX/XX/2016 XXXX {$1.00} XX/XX/2016 XXXX {$3.00} XX/XX/2016 XXXX XXXX {$3.00} XX/XX/2016 XXXX {$9.00} XX/XX/2016 XXXX {$9.00} XX/XX/2016 XXXX. {$20.00} XX/XX/2016 XXXX {$59.00} I NEED THAT CFPB HELP ME TO ( FORCE ) TO TDBANK RETURNED THIS AMOUNT OF $ XXXX.CONSIDERED ( FRAUDE ). TODAY I AM MAKING THE REPORT TO TDBANK ... .REPRESENTANT TOLD ME THAT WAIT UNTIL TOMORROW XX/XX/2016 IF IT OCCUR ... ..I NEED MY MONEY BACK., I APPRECIATED YOU COLLABORATION Sincerely, XXXX XXXX XXXXXXXXXXXX XXXX SIMPLE CHECKING - XXXX
Consumer complaint received 2023-05-09
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. (OH)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXXXXXX 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 2023-05-09
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. (VA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2017-04-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: United Revenue Corporation (TX)

Account # XXXX {$990.00} Account # XXXX {$330.00} Spoke with this creditor XX/XX/XXXX, I was instructed that if I paid everything off in full that it would be deleted from my credit report and I would be issued a letter stating items were to be deleted. I asked if I could have a letter faxed to me stating this. They said yes and took my fax number down. I called back on XX/XX/XXXX and made the payment in full for {$1300.00}. The agent I spoke with that day told me that she could not fax me the deletion letter. I informed her that was not the agreement I had made on XX/XX/XXXX. She went on to say there was nothing that she could do to help me. I asked ot speak with a supervisor, I spoke with XXXX who was extremely rude. She kept screaming and cutting me off. 

I asked XXXX if she would listen to the recording from my last call and give me a call back. She refused to do this. I told her that they should honor the verbal commitment they made with me on XX/XX/XXXX. She continued to uphold the promise that was made to fax me a letter stating that the items would be deleted. I was told that XXXX was her manager, I called him on XX/XX/XXXX. However, he never returned my call. 

When I first reached out on XX/XX/XXXX about having this issue cleared, I let them know that I was in the process of purchasing a home and this is hold up everything. My lender needs these items to be removed, before issuing my approval to purchase. My family is living in a hotel, waiting for these XXXX items with XXXX to be deleted. 

At this point, I do not know what else to do as I was lied to and mislead by United Revenue Corp. I have asked them on numerous occasions to listen to the recorded phone calls, they told me even if the represented told me that she could fax me a deletion letter they would not. At this point it is my assumption, that they blatantly lied to me in order for me to make my payment in full. They had no intentions on deleting these items, even though they stated that they would be on a recorded line. 

I wanted to try reaching out via CFPB before getting legal counsel and filing a lawsuit. XXXX has violated my rights under the FCRA.
Consumer complaint received 2017-09-06
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. (CA)

For the month of XXXX I was behind on my mortgage to XXXX and wanted to submit my payment before the 30 day mark to avoid having it reported to the credit bureaus. On XXXX XXXX XXXX, I submitted my payment in the amount of {$2500.00} XXXX late fees included ) to XXXX, via their online bill pay option as to avoid the service charge for dealing with a representative. I received a confirmation email authorizing XXXX to initiate the transaction soon after. 
Today XXXX/XXXX/XXXX upon reviewing my bank account, I noticed the funds for that payment were never taken out. I immediately contacted XXXX customer service to first find out what may have happened, and to attempt to resolve the issue with them in the hopes of preventing a negative impact to my credit. I was told the payment was never processed because of a keying input error on my part when entering my account info. I explained to the representative that I had received a confirmation email for that transaction, and that I had not been contacted about any problems regarding my payment. Therefore, I had no knowledge of any issues and assumed the account was now current. She then explains there is nothing she can do for me and alleges several phone calls were made to my cell phone to inform me, which I have no record of and no voicemail messages, or email for that matter. She also claims there was a letter mailed to my home dated XXXX XXXX XXXX. I still have yet to receive that letter.