davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am hereby requesting the name and address of the original creditor, in accordance to 15 USC 1692g ( B ). Consent not provided. No permission was given to any consumer reporting agency to have my consumer information which is a violation of USC 1681a ( 4 ) my rights to privacy. No consent by definition is identity theft.
Consumer complaint received 2021-04-19
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: National Credit Adjusters, LLC (TX)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX  XXXX ... XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX  ( Original Creditor : XXXX XXXX ) XXXX***that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-04-05
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: Experian Information Solutions Inc. (OH)

I filed for Chapter XXXX bankruptcy last year 2020 XXXX XXXX XXXX XXXX XXXX  Docket # XXXX ) and the accounts that were included in my bankruptcy were not removed and or deleted from my credit report which is also holding up the process of purchasing a home. The accounts need to be removed/deleted : XXXX XXXX XXXX  XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2021-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XXXX I was looking over my file and I found that I had a few errors and addresses that I never lived at. I had some issues with someone using my information while I was living out of town. I never lived at the following adresses XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX please have them deleted because they may have been used to comprise my name and information. 
There are account that I do not recognize showing on my credit report XXXX XXXX XXXX {$1000.00}, XXXX XXXX XXXX, XXXX XXXX XXXX After careful review of my credit report, I notice that I owe an outstanding balance. I would like to let the credit bureus and collectors know that I am disputing these accounts. Under the FDCPA, and FCRA, I can request verification from third-party collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC. Under the FDCPA Section 807,811 ( a ) ( 2 ), 1692 e ( 3 ), and 1692 e ( 10 ) ; and the Ohio Law 1319.12 ORC Taking Assignment of Debt, you failed to submit the proper documentations to validate the debt.
Consumer complaint received 2021-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

All three credit reporting agencies has stated that they have investigated these personal informations and reported accounts listed below : Incorrect name reporting : XXXX XXXX XXXX Incorrect address reporting : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX Incorrect payment status/history : 1 ) XXXX XXXX  2 ) XXXX XXXX 2 ) XXXX 4 ) XXXX  5 ) XXXX I am 100 % sure that XXXX, TransUnion, and XXXX  has failed to investigate my personal information and these account accuracies especially XXXX that is no longer in business and there is no way to verify the validity of this account. XXXX XXXX, XXXX  card, XXXX, and XXXX accounts are reporting collection/charge-offs. However, none of these accounts were in collections or ever charged-off. These accounts were paid in full with no late payments. These accounts statuses needs to be updated reflecting that they were indeed closed by the customer, never late and paid as agreed. Again, XXXX, XXXX, and TransUnion has consistently reported each month incorrect information even after I challenged the validity and provided proof of identity.
Consumer complaint received 2021-04-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I have not receive any response from any bureaus. I sent a dispute letter on XX/XX/2021. Thats over 30 days no response.They have 30 days to respond. They credit bureaus operating any way they want to. This isn't fair at all. I want these items deleted from my credit report.
Consumer complaint received 2021-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

Please reference previous complaint # XXXX. Experian has tried stall tactics to not be in compliant with the FCRA section 602. They received a letter from XX/XX/XXXX. They claim they received XX/XX/XXXX, 20 days later than the dated letter. 
Referencing the # XXXX they claim now that they need permission to proceed with my complaint! Why? There is not a security freeze on my account and if so they placed this freeze without my consent or any action on my part. 
Please provide proof if that is the case. They will use this as in indication that they have move time to investigate thus extending the 30 days!!
Consumer complaint received 2021-04-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (DC)

I opened an account with Chase Bank on XXXX of XXXX in an effort to move away from XXXX XXXX. 

Once the account was opened I funded the account with XXXX from my XXXX  account On the XXXX I called Chase bank as there was a discrepancy in their information. Chase 's customer service stated the ACH transfer was complete however Chase 's website and that team said that the transfer had failed. 

To rectify this I canceled the ACH that had been completed and somehow failed at the same time. 

The afternoon of XX/XX/XXXX I intiated an instant transfer from XXXX  into XXXX. I then initiated another instant transfer into Chase bank. 

This series of transactions completed within an hour with my XXXX XXXX  showing {$0.00} and my Chase account being funded with ~ {$1300.00}. 

On the XXXX my Chase account was closed and access to my Chase account was removed. 

I called Chase to try and understand what occured. Nothing could be done and I have no way of accessing my funds ...
Consumer complaint received 2021-04-16
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

This is my second complaint against the bureaus. They are being ticky tacky about things so I guess I will be to. Since they want want to specific disputes I guess I will list all of them kind of stupid since they already know them .Here the list they wanted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Co XXXX XXXX XXXX XXXX XXXX XXXX XXXX 'S XXXX XXXX XXXX XXXX XXXX XXXX All of these are over XXXX XXXX XXXX and need to be remove from my credit reports. I dont know what other information they could possibly want at this point.
Consumer complaint received 2021-04-16
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. (IL)

these bureaus are falsely reporting alleged debt which is a FCRA section 807 violation 15 USC 1692e. The alleged debt can not be verified and I have yet to receive a response after 30 days which is another violation under the FCRA
Consumer complaint received 2021-04-17
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. (SC)

I am writing to delete the information in my file. The items I need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my XXXX children.
Consumer complaint received 2021-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CT)

I submitted CFPB Complaint # XXXX on XX/XX/XXXX regarding an illegally re-aged account XXXX XXXX XXXX XXXX on my credit report. So far, I have received an update from both XXXX and Equifax regarding their false and inaccurate reporting. Equifax claims that the creditor has confirmed that the false " date of first delinquency '' date that they are reporting is " correct ''. XXXX has " updated '' the information on the same account with a different " date of first delinquency ''. How is it possible for the 2 credit bureaus to investigate the same account and both get dramatically different results? 

Equifax XXXX XXXX XXXX  " date of first delinquency '' XX/XX/XXXX XXXX XXXX XXXX " date of first delinquency '' XX/XX/XXXX This shows that neither Equifax or XXXX  actually investigated anything and are willfully violating my rights under the FCRA by reporting inaccurate damaging information and have been ruining my creditworthiness in the process.
Consumer complaint received 2021-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

I would request that the items be removed under the CFPB 's Supervision. Once done I would request a copy of my updated report reflecting the new changes. 

I Have disputed this account and it was closed because it was fraud for the amount of {$160.00}. The account was closed on XX/XX/2021.
Consumer complaint received 2021-04-05
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. (IL)

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX US DEPT ED XXXX {$2200.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX DPT EDXXXX - XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX
Consumer complaint received 2021-04-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (AZ)

To whom it may concern. 
I am submitting a complaint against Mr. Cooper. Mr. Cooper is stating there was not sufficient funds in my bank account when they attempted to withdraw my auto-payment on XX/XX/XXXX. This is not true. See timeline below for details. 


1. On XX/XX/XXXX I received a letter from Mr. Cooper indicating my auto payment had been stopped for a reason indicated as other on the letter ( see attachment ). I spoke with a Mr. Cooper rep who indicated there were insufficient funds on the date your company attempted to withdraw the payment from my account. See first attachment of my XXXX XXXX XXXX XXXX account statement for XX/XX/XXXX. You will see there were sufficient funds in my account. 
2. According to XXXX XXXX XXXX XXXX ( my bank ), they have no record of a request or attempt to withdraw funds. My credit union explained that I have overdraft protection on my account. Which means, if Mr. Cooper attempted to withdraw funds, my bank would have permitted the withdraw. If this would have happened the credit union themselves would have penalized me for insufficient funds at the time the withdraw was made. As you can see on my bank statement, there are no penalties for insufficient funds in XX/XX/XXXX. ( see attachments ) 3. I made my mortgage payment as soon as I learned of the issue. See mortgage payment withdraw on XX/XX/XXXX. 
4. Please note that my XX/XX/XXXX mortgage statement indicated payment was received on XX/XX/XXXX. The XX/XX/XXXX statement would have been the first statement or communication I would have received that XXXX mortgage payment was received. 

As soon as I received the letter I made the mortgage payment. I reached out to my bank who confirmed no attempt was made by Mr. Cooper to withdraw funds from my account. You can see there were sufficient funds in my bank account. 

I am in the process of refinancing my home and this has been a major set-back in the process. 

XXXX XXXX
Consumer complaint received 2021-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am in violation by XXXX XXXX and transunion by being ignored constantly. I will continue to send in disputes until i recieve an answer. Yes I XXXX XXXX authorize all three bureaus to investigate my credit report.
Consumer complaint received 2021-04-17
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. (PA)

I am writing to request deletion of the following inquiries in my credit profile : XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX. I am a victim of identity theft and do not recognize making these inquiries. I ask that the items be verify and deleted to correct my credit report. Thank you very much for your time and service.
Consumer complaint received 2021-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2021 I traded my least XXXX XXXX for a financed XXXX XXXX. A month later I got a 30 days late payment notice for the least XXXX. I had not owned the car for over 3 weeks when I was contacted about the payment. When I called the dealer they said they made a mistake and had forgotten to pay it off. This should not be on my credit report as I did not own the vehicle at the time of late payment by several weeks. XXXX XXXX XXXX was the leasing company for the traded vehicle. When I asked them and explain to them that the dealer had the car and I had signed it over on the XXXX they said they can not do anything about it. I would like this removed from my credit report.
Consumer complaint received 2021-04-16
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: Experian Information Solutions Inc. (NC)

XX/XX/XXXX - I disputed these accounts with the all 3 credit bureaus and the creditor XX/XX/XXXX - I disputed contacted all 3 credit bureaus and the creditor XX/XX/XXXX - I contacted the creditor to dispute
Consumer complaint received 2021-04-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NY)

To whom it may concern, Im writing this letter to dispute the following accounts : ACCOUNT NUMBER : XXXX Reference ID : XXXX THIS IS XXXX XXXX XXXX!! I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY at all. this is all me so please don't play games. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report asap. My information was obtained without permissible purpose because I never gave your company written consent to accept information from any creditor, or report information about me to the credit Bureaus but you still accepted my information and reported it to the public. 15 USC 1681a ( 3 ) defines Identity Theft as a fraud committed using the information of another person.Your company is now XXXX and civilly liable of identity theft and I plan to file litigation in this matter. 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter. I included a Invoice with this letter. Just so you know, there is a {$500.00} late fee for everyday that you are late from this date. 
Failure to respond satisfactorily with deletion of the above referenced account and Compensation in the form of a check will result in the above actions being taken against your company ; I will also be seeking litigation and {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g 4. ) Violations of 15 USC 1681a ( 3 ) 5. ) Violations of 15 USC 1681n
Consumer complaint received 2021-04-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Hello, I was trying to stop my forbearance program, and apply loan modification with my current lender Wells Fargo mortgage. But my lender didnt process my request for 2 months. Im very sad and desperate to get ignored because of Im a XXXX woman, with a weird XXXX name, and a poor English speaker. 

I contact them for more than 10 times, at the end, Wells Fargo mortgage asked the tricky questions and rejected my loan modification request. Im a single mother, I only get paid child support {$440.00} from childrens father every month. Im working two jobs to take care of my family and to save my house. 

Wells Fargo mortgage didnt support me, but bully me by delaying process my application, then reject my loan modification request. 

I feel that I didnt get treat fairly. Hope CFPB can help me to process my loan modification application. Thank you for reviewing my feedback.
Consumer complaint received 2021-04-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (AZ)

Sent a Letter to LVNV Funding requesting to verify the debit, however, my request has been ignored and LVNV Funding continues reporting this as a collection account monthly on my credit reports. I have attached the letter I sent requesting the verification of this debit.
Consumer complaint received 2021-04-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to notify you of the violation of my rights under Federal law. Understand that if these accounts are not removed from my report immediately, I will take legal action against you as my right under federal law.
Consumer complaint received 2021-04-19
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: Experian Information Solutions Inc. (DE)

I reported identity theft on my credit report with Experian. I supplied all of the documents necessary and Experian refuses to remove the account. The creditor is XXXX and they are currently reporting a charge off with a balance. They have sold the debt to a collection agency and by law once the account was sold, they can no longer report a balance. Not only that but, this notification of identity theft additionally precludes XXXX from selling, transferring, or placing the debt for collection with any other party, pursuant to the provisions of FCRA 615 ( f ). They are in violation all across the board. I have reach out to legal counsel and my next step is to sue Experian and XXXX. They are ruining my life. I want this account removed and I will not accept a generic response for me to send in all of this info again. I have several copies of my report. I dont need another one and Ive sent it in over 5 times. Either they remove it or I sue for damages at this point.