davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

These 3 inquiries are needed to be removed asap XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Account number N/A, MisleadingXXXX, XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Account number N/A MisleadingXXXX, XXXX XX/XX/XXXX Account number N/A. Misleading Apart from those 3 inquiries mentioned on the previous page these are the other following inquiries with their dates that I don't consider are mine and I want them to be gone asap from all my credit reports : 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. Also I would like to inform that in all the credit bureaus my employer isn't being spelled accurately in all my credit reports. I'm self employed and my business name is XXXX XXXX XXXX kindly fix the spelling. Please make sure that on the business credit bureaus side of my XXXX XXXX XXXX shall have XXXX : XXXX and XXXX : XXXX as their respective codes don't assign anything based on your assumption or anything other then these two that I have mentioned above as my these are right codes for my business.
Consumer complaint received 2024-01-01
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (TX)

I was given a {$40.00} prepaid Vanilla Gift Visa card I have tried using the gift card in store and online and it is declined every time. 

I have never once been able to check balance online or activate card to perhaps register the card. A system occurred error always appears. 

I call the XXXX # on card and it does not provide balance- only option to hear main menu or speak to someone. 

I called XX/XX/XXXX and spoke to XXXX and he said he needed my name, address, phone number and email address. I provided everything until he said I would need to mail in a copy of my drivers license and some sort of bill. 

This feels so scammy.
Consumer complaint received 2023-11-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-17
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. (TX)

Im disputing false or inaccurate information on my consumer file report with you, and I want you to carefully investigate and delete all false, incomplete, outdated, or unverifiable information related to my biographical information. This will help make sure you only have my correct information and will make identity theft or mixed file much less likely so thank you for only having the following on me. 

I am requesting that you and the furnishers do a full and thorough investigation of the following accounts that I am disputing. Please send a copy of this letter to each furnisher and I want you ( and each furnisher ) to do a proper investigation as required by the law. To be clear, I am not asking you to ignore my letter. Or send me a silly form letter back refusing to investigate. Instead, Im asking you to take this very seriously as I take the accuracy of my credit reports very seriously. It is vital that I have accurate and complete credit reports with all the information verified. 

I HAVE BEEN A VICTIM OF IDENTITY THEFT AND I REQUEST THAT THIS INFORMATION IS REMOVED FROM MY CREDIT FILE.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

This Consumer Note is my official call for you to discontinue reporting of the items below-displayed and aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and or else wise physically verified and validated claims. Due to at least these few compliance-issues in your current reporting I demand you prove beyond doubt your claims ( s ).

This COFF item is deficient as reported, as below-displayed in evidence of uncertified *HRCF12 questionable even poor reporting. Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the METRO @ FORMAT compliance since, per CDIA, DNP 3-4 Any deviation from these standards jeopardizes the integrity of the data so remove or rectify your current not confirmed nor certified claim of adequate compliance, as is mandated!

I wanted to inform all parties that in the last thirty ( 30 ) days that I have contacted the Federal Trade Commission. I explained in my letter to that, you, as a Federal Reporting Agency have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information.

I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financial liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance your agency has yet to respond to my questions and statements of the Law.

Please delete the following unverified fraudulent account XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX, my late husband and I opened a Renters Security Deposit Interest Bearing Saving Account i.e. Landlord Tenant Security Account in XXXX XXXX XXXX [ now Capital One Bank since XXXX ] and deposited our tenants security deposit of {$1400.00}, as required by law. 

XXXX XXXX XXXX  utilized a savings FBO [ For The Benefit Of ] account, in which the account has the tenants name, the landlord has exclusive access to the bank account and the bank is a neutral entity. We had done this previously with XXXX for our prior tenant. 

In XXXX of XXXX I was informed by Capital One that I would no longer be receiving statements as there was no activity other than interest on this account. On or about XX/XX/XXXX I went into the XXXX XXXX as a Customer Service representative informed me that this account was not in my profile. 

Sometime between XX/XX/XXXX and XX/XX/XXXX, during Capital One 's Conversion to Capital One 360, our names and address were deleted from this account along with the FBO, the address changed to the tenant 's address and the account was placed in his profile. 

Despite all of the bank documents and statements I provided them with, they deny their error and state that the money belongs to the tenant. Capital One Bank did not, does not have the authority to do that. 

Additionally, I provided them with a copy of NYS law supporting all of which I outlined in regard to the FBO. 

I have requested they reverse the error their back office created during their conversion, they have refused.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TX)

My loans at the start of XXXX were with XXXX. I faxed a PSLF helptool to Mohela on XX/XX/XXXX and I signed up for IDR on XX/XX/XXXX. I have attached the applications for proof. The XXXX XXXX tax information was faxed to XXXX on XX/XX/XXXX because the IRS data retrieval tool wouldnt import my information. At that time I had not received any communication that my loans had moved to Mohela so the income verification was faxed to XXXX. I had not filed XXXX taxes at that time. 

When the loans got moved from XXXX to Mohela, the repayment plan did not change to the XXXX plan I chose, which is PAYE. I never got a letter indicating that my XXXX application was approved or denied. 

On XX/XX/XXXX I re-uploaded my completed IDR application and XXXX tax documents on Mohela 's website so they could see what was submitted to XXXX in XXXX. 

On XX/XX/XXXX I got communication from Mohela that I was being placed on administrative forbearance while my IDR application was being processed.. 

On XX/XX/XXXX I got a letter from Mohela saying my IDR application was denied because the request was incomplete, missing pages XXXX. It also said it was missing taxable income proof, which had been submitted again in XXXX with my IDR application from XXXX when the Dept of Ed never reviewed it for XXXX. I got no communication regarding whether my IDR application submitted in XXXX was approved or denied. So, I resubmitted all pages of the XXXX application and my XXXX tax form from XXXX ( because on XX/XX/XXXX we had not filed our XXXX taxes yet ) on XXXX site. 

On XX/XX/XXXX, I submitted an FSA complaint, and have yet to hear a response. I recently received a statement saying I owe over {$3000.00} on my student loan monthly payment and that Im on a level plan.
Consumer complaint received 2023-11-17
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. (IN)

This account does not belong to me please delete immediately! 
XXXX XXXX XXXX XXXX {$45000.00} Opened - XX/XX/XXXX I did not authorize any company to run my credit delete inquiries immediately! 
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 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business after the date of receipt. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts list IMMEDIATELY!
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

On XX/XX/2023, I requested a copy of the description of the method of verification procedure used to determine the accuracy and completeness of the disputed accounts in question. Including the name of the company and address and the person name who conducted the reinvestagation process to me. I never received anything from the credit bureaus. I was told I didn't need any documents for the process by their representatives. By State and Federal law, a consumer reporting agency SHALL provide to a consumer a copy of description of reinvestagation process referred to paragraph ( XXXX ) ( B ) ( XXXX ). Unverifiable accounts MUST be removed from a consumer 's credit file. Silence in this matter is unacceptable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Should all three credit bureaus continue to attempt to collect these debts without the proper validation, I have the right to sue all credit bureaus in small claims court and subject them to a fine of {$1000.00} per violation as well as my attorney fees and court fees as damages. I would like to remind that the credit bureaus are legally obligated not to report a debt that has not been properly validated. I am sure that the credit bureaus want to resolve this matter as quickly as possible and avoid any unnecessary complications Should they fail to respond to the letter within 15 days. 
Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-12-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (MA)

There were several charges on my statement not ordered by me. After disputed they credited all except one for {$720.00}. After many calls and research I determined the package was not ordered or received by me. The shipper said that it was signed for by XXXX but has no proof. The bank tells me the shipper is responsible and the shipper says the bank is responsible. After many hours of research and digging I was told by local police to file this complaint. 
Bank is XXXX XXXX XXXX XXXX. Shipper is XXXX XXXX. Neither will help. I filed a complaint with XXXX. It was closed. They said shipper has to file.
Consumer complaint received 2023-11-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

My funds from HAF are not being applied accurately and on time by my mortgage servicing company SPS. My account is being assessed late fees and put in delinquency when HAF has been making the payments on time and I have verified with them going back 6 months. SPS will not provide information to me and only suggests I contact OMBUDSMAN department where I have left several messages and received no reply. They never answer the phone. This is a misuse of government assistance and gross negligence bordering on theft and fraud on the part of SPS. I implore their company and its financial handling of government funds be reviewed.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am writing to request the immediate blocking and deletion of specific accounts and inquiries associated with my credit file, as I am a victim of identity theft. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information removed from my credit report. 
Please remove the following accounts from my credit file : XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$860.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Additionally, I request the removal of the following inquiries as they were made without my consent : 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NC)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (NJ)

This is yet another attempt by me to get the information corrected by this company. the company has provided the credit reporting agencies the wrong information. which in turn stopped my wife and I from gaining the equity in our home. They advised that through their research they never spoke with or had any contact with me regarding a forbearance. I clearly reached out to them in XXXX of XXXX. They responded in XXXX of XXXX. Several months later. Instead of offering me a forbearance they sent me and my wife a modification. Why we would take a modification when the rest of the nation under the cares act was provided a forbearance ; shows the type of bad intent and business they continue to do and provide. I was XXXX XXXX XXXX XXXX and thought we were getting a forbearance. We did not and have found that the company after sending us a letter stating that during these times, they would not report negative history and went against everything that they stated in the correspondence. A correspondence that printed on their letter head is legally binding. Also, we have now found that our balance use to be XXXX is now XXXX on their website. This is a clear violation of our rights. This company has been terrible. This issue even goes all the way back to XXXX when they were Ocwen and cancelled over XXXX of debt through a 1099C. In XXXX they cancelled the debt for the amount of just over XXXX on another 1099C form. We borrowed XXXX and they ended up cancelling over XXXX and getting credit for it from the IRS. ( info included ) We checked with the IRS during that time and found that they indeed did get credit for the debt cancellation. How are they allowed to get credit then go after the consumer? I own my own company and can't write off any amount and still go after someone who owes me for the original amount! All we want is to have the amount and credit reporting corrected. If not, we will be forced to join the many class action lawsuits against them. This company should not be allowed to practice business at all. The little man consumer is being crushed by companies like these as they are allowed to rip us off through bad/illegal business practices!
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am in utter disbelief. As a law-abiding citizen, its incredibly disheartening and insulting to have my rights as a consumer disregarded in this way. There are fraudulent items on my credit report that I had no part in and have never benefitted from, yet these errors are damaging my financial standing and personal reputation. I took immediate action by reporting this fraud to the Federal Trade Commission, yet these items remain on my credit report, unresolved. The ongoing impact is causing me overwhelming anxiety and distress, and I feel deeply let down by a system that should be protecting me.
Consumer complaint received 2023-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK (MO)

On XX/XX/XXXX I tried to withdraw {$500.00} from XXXXXXXX XXXX  here in XXXX XXXX. My primary bank is Discover Bank and from their app, XXXXXXXX XXXX does not charge a fee to use their ATM. After I requested the {$500.00} from this ATM, and this ATM has worked for me in the past, the ATM froze and did not dispense my cash and gave me a receipt. The receipt showed that {$0.00} was dispensed and said it canceled the transaction. 

Later that day I checked my checking account with Discover and I noticed the {$500.00} came out on my account. I first contacted XXXXXXXX XXXX  and they told me to contact Discover. On that same day, I opened a dispute with Discover Bank and uploaded my receipt from the ATM stating I did not receive my cash. 

XXXX weeks later I received a letter in the mail saying my dispute had been denied. I contacted Discover Bank that day to reopen my case and they asked me to upload more information. I told them the receipt was the only thing I could provide. This XXXX attempt has been denied. 

I contacted Discover Bank today and asked what else I could do they said they wanted more documentation from XXXXXXXX XXXX. I contacted XXXXXXXX XXXX and since I'm not a customer the receipt is the only thing they can provide me. So I've uploaded my receipt to Discover Bank for a XXXX attempt but it will get denied as it was denied in the past. 

I'm attaching the receipt as proof and the last XXXX of my debit card align to my card number and within that receipt, it shows {$0.00}. 

I am not committing fraud and just want the {$500.00} that I never received from the ATM. Push come to shove there is suverlliance from the XXXX XXXX that will support this.