davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I filed a complaint with CFPB the response was wrong. I called Capital one today and was told the claim was closed and denied after I sent in police report and did the identity theft report. They will not reopen the claim totaling $ XXXX am told I am out of this money. When I called capital one I stated all pay pal that rep only put in for those charges so I was told cause there was other charges to XXXX my claim was denied. I have sent in proof of my identity being stolen and on my credit wise report my information was on the dark web. They refuse to reopen the claim. I never authorized these transactions nor gave anyone permission. They have the wrong ip address which I sent them. This matter needs to be looked into. I have called the number to speak to XXXX, 2 times left voice mails and she has not called me back.
Consumer complaint received 2023-06-14
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. (NJ)

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX
Consumer complaint received 2023-06-14
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2023-06-14
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)

On XX/XX/XXXX I sent XXXX XXXX XXXX account number XXXX a Validation of debt letter XXXX XXXX  has failed to respond according to FDCPA 15 USC 1692g sec 809 this is a violation, Further more XXXX XXXX XXXX has failed to mark the account as disputed at the time of validation of debt request. 

Also Experian and XXXX have inconsistency as far as this account goes. 

Experian reported this account being opened on XX/XX/XXXX XXXX reported this account being opened on XX/XX/XXXX Experian reported that the account number is XXXX XXXX reported that the account number is XXXX These are all inconsistency and is a violation through the Fair Credit Reporting Act. 
Proof of this has been downloaded through the CFPB Portal
Consumer complaint received 2023-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (CA)

I was at the gas station on XX/XX/ and I left my cash app card on the counter accidentally and when I went back it was gone someone must have took it. A few minutes later my account was drained they took all the money I had left in my account. I was using my card mostly everyday and had about {$400.00} left in my account. Ive filed a police report right away. I disputed these charges with cash app and Ive already ordered a new card and cancelled my stolen one I even sent the police report and they denied my dispute I filed two disputes because it was two atm transactions one for {$200.00} and the other one for {$200.00} as well. I am almost positive they did no investigation what so ever. They owe me this money. 

Update XX/XX/ I have filed another dipsute since my first one was denied I now received my dispute being denied again. For the second time after I sent them The police report again and I even went as far as sending them A letter a lawyer helped me execute to try to Reason with them and give them A chance to pay before filing a small claim in court. But they denied my disputes either way. No explanation and no real investigation done. 

Ive attached my police report and the letter I sent them letting them know this was the last chance they had to give me my money before I filed a claim in small claims court. I also attached the times they denied my disputes,
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

As per guidance from the Consumer Financial Protection Bureau ( CFPB ). According to the FCRA, credit reporting agencies are required to remove or block any inquires or accounts that result from identity theft or unauthorized access to my credit report.I believe this is in violation of Section 605 ( B ) of the FCRA.I kindly request that you block this information from my credit report within XXXX  business days, pursuant to section 605 B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I'm viewing my XXXX Credit report received a few days ago. XXXX Credit match has excessive inquires into my information. It's too much to explain here. I'll attach a picture. I have not applied for Credit cards this year and certainly not weekly
Consumer complaint received 2023-08-29
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. (GA)

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.

has violated my rights. Or list of inquiries 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 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.
Consumer complaint received 2024-09-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC (OK)

This company is poor at best. They are trying to have an insurance policy on the home at a cost of more than XXXX XXXX XXXX XXXX. I have an insurance broker XXXX XXXX XXXX XXXX that got insurance for {$4800.00} per year. I made this payment and then I also get a bill from Shellpoint stating that they have Made the XXXX  payment as well. The broker tell me the {$6700.00} policy was canceled see the documents and the then charge a {$30.00} to inspect my home. They reported payments as late. All of this needs to be corrected with all three credit bureaus also.
Consumer complaint received 2024-09-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX SSN : XXXX DOB : XX/XX/XXXX Dear : NAVY FEDERAL CREDIT UNION Account Number : XXXX Thank you for reading my request about this account with your company. I am writing today because during my quarterly review of my accounts listed on my credit report, I noticed that this account was charged off with XXXX. 

I am requesting that your company please forward me a copy of the 1099-C that was issued by your company when you charged this debt off with the IRS which is required by law for all debts over {$600.00}. 

Please also enclose a printed copy of my payment history or you may also email it to me at XXXX please do not send any marketing or other account information to this email address I have no desire to have spam at this location and I track everything by standard USPS mail at my home address listed above. 

If for some reason this was an error, please send me the past due amount that will re-establish my account into good standing with your company and payment will be provided within XXXX XXXX XXXX of the written confirmation. 

Thanks in advance XXXX XXXX Date : XX/XX/XXXX
Consumer complaint received 2024-09-25
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX  Account Number : XXXX - BALANCE {$19000.00}
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :
Consumer complaint received 2023-05-02
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: Experian Information Solutions Inc. (OR)

XXXX XXXX XXXX Amount XXXX and now XXXX XXXX XXXX. 

XXXX XXXX Amount XXXX XXXX XXXX Hard inquiry Capital XXXX XXXX Hard Inquiry These exact same collection and Hard Inquiry was on XXXX currently today they have been deleted and taking off to this day report never giving to XXXX or Experian they continue to now follow law and also have it one amount to higher dollar amount. I was never informed. never consented, violating my rights to have accurate information and correct person to accounts which are not my accounts or belong to me. The collections arent truthfully which brings dishonest, false credit score for trying to make me have collections, inquiry that do not belong to me isnt accurate information. Very deceiving also violate Fair Credit Reporting Act and causing huge burden. 

These same things were deleted off with XXXX exact same inaccurate collections, hard inquiry if all taking off XXXX why XXXX and Experian continue to hold false items on someone credit report that within itself sounds like fraud within these two bureaus if you go to check you will see how they are taking off XXXX but no other two bureaus. Inaccurate and do not belong to me XXXX and Experian shouldnt make someone have to be responsible for something thats not accurate or belong to them and falsely added in first place.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

To whom this may concern my name is XXXX XXXX and this statement is being composed by me. Per the Fair credit reporting act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B permissible purpose of consumer reports. I demand the removal of the following accounts and incorrect information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-02
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: EQUIFAX, INC. (OR)

XXXX XXXX XXXX Amount XXXX and now XXXX XXXX XXXX. 

XXXX XXXX Amount XXXX XXXX XXXX Hard inquiry XXXX XXXX XXXX Hard Inquiry These exact same collection and Hard Inquiry was on XXXX currently today they have been deleted and taking off to this day report never giving to Equifax or XXXX they continue to now follow law and also have it one amount to higher dollar amount. I was never informed. never consented, violating my rights to have accurate information and correct person to accounts which are not my accounts or belong to me. The collections arent truthfully which brings dishonest, false credit score for trying to make me have collections, inquiry that do not belong to me isnt accurate information. Very deceiving also violate Fair Credit Reporting Act and causing huge burden. 

These same things were deleted off with XXXX exact same inaccurate collections, hard inquiry if all taking off XXXX why Equifax and XXXX continue to hold false items on someone credit report that within itself sounds like fraud within these two bureaus if you go to check you will see how they are taking off XXXX but no other two bureaus. Inaccurate and do not belong to me Equifax and XXXX shouldnt make someone have to be responsible for something thats not accurate or belong to them and falsely added in first place.
Consumer complaint received 2023-05-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XX/XX/2023 This Complain is related to my last complain XXXX. XXXX, please after I discovered the shortage in my deposit and gradually gets low!!! I decided to save the rest deposit and transfer it to my niece account in XXXX ( attached ), as I mentioned in my last complain the rest after the fraud was {$380000.00}. 
I made the wire transfer attached amount {$360000.00} on XXXX XX/XX/2023 so the rest after this transfer supposed to be {$20.00}, XXXX in addition to the original shortage {$230000.00} but also the fraud was continuing and my deposit now as you see attached {$80.00}, so the shortage amount now become {$250000.00}, attached screen shot for my balance now please deal my complain as priority and I request urgent investigation.
Consumer complaint received 2023-06-14
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (MA)

Hello, we have a mortgage with Wells Fargo for XXXX XXXXears, we also had a XXXX XXXX bankruptcy which didn't include the mortgage, during this process Well Fargo received XXXX from HUD in addition to regular payments, we recently sold the house and WF is claiming we owe XXXX plus the XXXX from HUB, the original house price was XXXX and we have been paying over XXXX a month for XXXX years, approx. XXXX, we asked for an audit to see where all this payments have been applied and we get the run around, we know interest takes a lot of what we paid but it seems that owing more that was we paid originally is a bit much, we want out account to be audited and have no proper direction on how to do this, any assistance would be appreciated.
Consumer complaint received 2023-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

XXXX XXXX XXXX Amount XXXX and now XXXX XXXX XXXX. 

XXXX XXXX Amount XXXX XXXX XXXX Hard inquiry XXXX XXXXXXXX XXXX Hard Inquiry These exact same collection and Hard Inquiry was on Transunion currently today they have been deleted and taking off to this day report never giving to XXXX or XXXX they continue to now follow law and also have it one amount to higher dollar amount. I was never informed. never consented, violating my rights to have accurate information and correct person to accounts which are not my accounts or belong to me. The collections arent truthfully which brings dishonest, false credit score for trying to make me have collections, inquiry that do not belong to me isnt accurate information. Very deceiving also violate Fair Credit Reporting Act and causing huge burden. 

These same things were deleted off with Transunion exact same inaccurate collections, hard inquiry if all taking off Transunion why XXXX and XXXX continue to hold false items on someone credit report that within itself sounds like fraud within these two bureaus if you go to check you will see how they are taking off Transunion but no other two bureaus. Inaccurate and do not belong to me XXXX and XXXX shouldnt make someone have to be responsible for something thats not accurate or belong to them and falsely added in first place.
Consumer complaint received 2023-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Atlanticus Services Corporation (FL)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 713,719, I presume that no debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

fraudulent accounts appearing on my consumer fico credit report that i dont recognize as reported and which are the results of identity theft and fraud. these fraudulent accounts consist of personal credit cards opened at XXXX XXXX XXXX XXXX  around XX/XX/year> account XXXX and The account have resulted in hard inquiries on my consumer credit profile. I demand that aforementioned fraudulent items be removed from each of my consumer reports and that all collection activity related to said items cease pursuant to my rights with in the FCRA and FDCPA laws.
Consumer complaint received 2023-06-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (NY)

I disputed this collection via XXXX in early XXXX  and the debt was removed, but somehow re-appeared. I then submitted another dispute in XX/XX/ that was declined. This medical debt is a result of identity theft and it is now hindering my financial standing as I try to move forward with other personal endeavors.
Consumer complaint received 2023-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I learned that the FCRA 605 requires credit bureaus to ban and erase any items that are discovered to have been opened as a result of identity theft. Once more, it seems that my credit with you has been damaged. The items being reported are giving me a lot of mental & financial stress, which is affecting my ability to sleep, causing issues at work, and adding unneeded stress to my home life. The following are the things that CREDIT BUREAUS has to get rid of : XXXX XXXX  XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XXXX XX/XX/2023.
Consumer complaint received 2017-04-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (WY)

I called my Student Loan company Navient today because I wanted to ask about how to pay off my loan in full. I needed to also turn off my automatic payment which would come out of my bank on the XX/XX/XXXX to avoid over payment. I was told I would need to shut off my auto pay online only. I said I would send in the full amount for XXXX private loans adding up to over {$19000.00}. I was told I needed to sign in online. I just wanted address so my bank could send the payment correctly. 

I am on XXXX and have a lump sum settlement from my XXXX. Anyways when I checked online, it shows my federal loans paid off which is correct but my private loans are no where to be found. I have a XXXX balance with Navient. What my loans are being moved? No contact, not even told this on the phone. 

So how do I get the loans paid off, I do not want those automatic payments coming out of my account I notified them in time to stop them before the XX/XX/XXXX. I want to be done with this craziness. Ugh! Hate this company, horrible to work with, horrible customer service. Was never like this with XXXX. Can you help me find my loans? I am sure you will be better help they their are! I have another small XXXX with another company XXXX something or another for just over {$700.00}. I sure hope I can pay that off with out a hassle. I just want to pay it off so that my XXXX income can just go to meds, doctor bills, food, and XXXX rent. Imagine this I want to pay them completely off and they did not have the decency to tell on the phone they have been moved elsewhere? No go fight with their horrible website to then find out that you can not shut off the automatic payment. Guess I am calling the credit unit to stop the transfers. Horrible company. 

P.S. My father is retired XXXX, and a co-signer. He took me back in when I became too sick with XXXX 's XXXX. I just want to break free from these loans so that they do not impact his retirement or credit. It will give me piece of mind after I move into XXXX housing next month.