davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-23
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account.
Consumer complaint received 2020-12-23
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. (NY)

I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2020-11-11
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. (NJ)

XX/XX/XXXX I sent in a dispute letter to XXXX XXXX XXXX and all 3 credit bureaus and didn't receive a response in over 35 days. On XX/XX/XXXX I sent a second dispute letter to XXXX XXXX XXXX and Equifax credit bureau regarding a collection/charge-off that was opened in XXXX. Equifax is still the only credit bureau listed on my credit report while XXXX and XXXX has since deleted this collection/charge-off from my report the first time around. It is well over 30 days again and the account still has hasn't been updated or removed.
Consumer complaint received 2020-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: APLUS INSTACASH LLC dba A+ FINANCE (NC)

I have been with XXXX XXXX for over a year and have been making the payments on the credit builder loan. Recently the app has been taking my money but displaying that im behind on payments for the loan. I have been asking XXXX XXXX  for almost 3 months to fix my app they tell me over and over they are filing tickets or contacting supervisor or engineering and the app says im not paying. All i want is for the app to display the correct thing I have contacted my bank and they stated XXXX XXXX surely has the money. I have the bank statements. I have spent countless hours on the phone, in chat and emails asking for help and arguing about fixing this i have proof of those contacts as well still XXXX XXXX continues to take my loan payments but display im not paying. All i want is for my app to be fixed everyone says they are putting in for it to be fixed but still no one can fix it.
Consumer complaint received 2020-11-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (PA)

I Just my home in XX/XX/XXXX for XXXX. In XXXX we fell on hard times due to son being ill. We filed chapter XXXX in XXXX hit the lottery for XXXX XXXX paid all post and prepetition debts mortgage increased XXXX a month. Again in XXXX husband became ill fell behind on mortgage entered in a new chpt XXXX in XX/XX/XXXX decided to sell home principal balance was XXXX sold for XXXX recieved XXXX at closing PHH stated payoff was XXXX as of today I do not own the home they are still reporting delinquent still trying to foreclose and staying I owe XXXX although I have all documentation. PLEASE HELP
Consumer complaint received 2020-11-11
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: Santander Consumer USA Holdings Inc. (MA)

I sent dispute letter over 45 days ago to advised creditor that are reporting account incorrectly and to have account updated. Per my request, I have advised that this account as been paid and full with no late payment history on account and to have account closed. This information listed on my credit report is incorrect, inaccurate, and incomplete.
Consumer complaint received 2024-09-02
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. (NV)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2020-12-23
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2022-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (FL)

In 2017, I was renting an apartment from XXXX XXXX. I was never delinquent on payments and I vacated the premises upon completion of the lease. Upon vacating, I requested a walk-through and was told the premises was in a satisfactory condition. XXXX never notified me of any additional monies owed. Approximately a year later, I was contacted by XXXX after I submitted a request for the reimbursement of my security deposit. XXXX declined. I immediately notified them that I disputed any monies owed and that they could seek judicial intervention in small claims. Specifically, I advised that I was officially negating their allegations of any debt owed and that they need to pursue litigation without allowing interest from the alleged debt to accrue. Almost 6 years later, I learned from XXXX that a third party had acquired the debt collection. I was never notified by mail or otherwise that I would be sent to collections. I vehemently deny any debt owed and also affirmatively assert that their failure to notify me of any debt or transfer of debt has unduly prejudiced me by denying me due process.
Consumer complaint received 2020-11-11
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: ID Analytics, Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX RE : Intent to file lawsuit, HIPAA Privacy Violation Validation Letter sent to : XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ( {$220.00} ) To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

XXXX XXXX XXXX XXXX, XXXX ( XXXX ) did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


Sincerely XXXX XXXX
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance wi the fair credit reporting act, XXXX, XXXX account number XXXX has violated my rights 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 an account without my written instructions
Consumer complaint received 2020-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Approximately on XX/XX/XXXX or XXXX of 2020 I submitted a credit increase request via the automated phone service with Capital One because the Customer Service Representatives can not do this over the phone. I am working to increase my credit availability and credit score in preparation to purchase a home so this is not an outrageous request, especially since my payment history with them has been impeccable over the past few years on both accounts that I have with them. 

I received a denial letter of the increase request, the reason given was because there were too many recent inquiries on my credit report. So, I wrote a letter to explain that the credit inquiries were because I recently purchased a new vehicle and the dealership was not aware that I was planning to use XXXX XXXX XXXX XXXX to purchase a vehicle and they ran my credit searching for a lender, hence the reason for the inquiries. There have been no others and I have not been approved for any other credit recently other than the vehicle, which I have been approved by XXXX XXXX XXXX XXXX. 

However, I wrote to explain this so I can still be considered for a credit line increase, again to better my credit, but I receive a letter back telling me that they are unable to fulfill the request through written correspondence and the letter proceeds to tell me to call the XXXX number. 

This information is sending me in circles and I am not going to run down rabbit holes trying to get this request honored. What ever happened to quality customer service? The Customer Service Representatives that I do speak to can't help me with my request and the automated service denies it without being able to comprehend an explanation and then it can't be acknowledged and addressed via written correspondence. What the XXXX? I am so disappointed. I never thought that I would get this kind of run around and terrible customer service from Capital One of all companies. 

I do not want to close my accounts with them or pay off the entire balance and stop using the cards but if this is the kind of customer service I am going to get I will have no choice.
Consumer complaint received 2020-11-11
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. (CA)

Transunion is under the mistaken impression that they can investigate now or that their investigation can take another 30 days. WRONG. You were notified via certified mail in XXXX. Your 30 days to investigate ran out in XXXX. YOUR TIME TO INVESTIGATE PER THE FAIR TRADE CREDIT REPORTING ACT IS OVER! 

IF YOU PERSIST I WILL SUE YOU IN SMALL CLAIMS COURT FOR {$10000.00}. 

XXXX, based on the same information, has deleted these accounts. That sets precedent in a lawsuit.
Consumer complaint received 2020-11-11
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)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

Name of Account : Account Number : XXXX XXXX XXXX XXXX XXXX. XXXX Child Support XXXX XXXX  XXXX XXXX. XXXX
Consumer complaint received 2021-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NC)

After checking XXXX XXXX on XX/XX/21 to see both my XXXX and Equifax credit scores, I saw that I had a XXXX and XXXX respectively. As such, I applied to XXXX XXXXXXXX XXXX ( XXXX ) for a credit card. I was immediately rejected which seemed odd to me given my scores. When I got the letter from XXXX explaining the decision, I saw that Equifax had reported my score to them as XXXX -- an almost 80 point discrepancy to what they had reported to XXXX XXXX. As such, I attempted to call Equifax to figure out the reasoning and file a dispute if necessary as provided under the Fair Credit Reporting Act ( FCRA ). After finally speaking to an agent, I was told that Equifax could not verify my identity and to try the process online. I requested to speak to a supervisor as the online verification system would be the same as the phone system. The representative repeatedly refused and told me I could only go through the online process. Sure enough, the online process also could not be completed. I have currently been on hold for 30 minutes attempting to speak with a supervisor to try to find an alternative way to verify my identity. I am unsure as how to proceed at this point as I have no way to correct any information that could be causing this problem nor any way to file a dispute, both of which are violations of the FCRA. Additionally, the information I provided to Equifax was the same information I provided to XXXX. I am unsure as to why Equifax is able to verify my personal information to share with a corporation but unable to verify my identity when provided the same information by me.
Consumer complaint received 2021-02-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (ME)

We had a mortgage with PMI. We were paying on principle to build credit and get rid of the PMI. It was supposed to come off fall of 'XXXX  and it did not. We kept paying for it another approx. 17 months even though we didn't need to before they removed it.

I tried to call the bank multiple times and would be connected to various extension before eventually being hung up on. I recently explained this to a mortgage officer are we are in the process of refinancing our home and he directed me to your www site. 

Thanks you for listening!
Consumer complaint received 2021-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Superior court of California County o XXXX XXXX case # XXXX  XXXX Stated That Based in testimonies of both parties Bank Of Amrica visa Credit Car ending in XXXX which belongs to XXXX XXXX and my name XXXX XXXX was later Added, Was used post separation, Superior Court find out that the debt then in the amount of {$21000.00} ( Now even higher for interest charge ) belongs to my ex-wife and I am not to be responsible for the said debt.
Consumer complaint received 2021-02-16
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On all 3 credit reports they have me 30 days late on XX/XX/2020 however, XXXX XXXX Neimen Marcus notified all 3 credit bureaus XXXX XXXX that it was their error due to updating their systems. The XXXX late pay was removed for a couple months but came back after it was corrected for the 3rd time. I will attach proof of the error from the lender and XXXX  investigation would not followed and Neimen Marcus sent letter proving i was and have never been late. The card holding company is XXXX XXXX XXXX  but the credit card is Neimen Marcus and XXXX has that account listed twice on my report with the old account which was updated with 30 date late payment in XX/XX/2020 and the new account number which is accurate after Niemen Marcus went to a 16 digit credit card number versus 12
Consumer complaint received 2020-12-22
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}, {$15000.00}, {$9800.00}, {$4000.00}, {$0.00}, {$0.00}, {$20000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9800.00} -This is not my account. 

4. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 

5. XXXX/XXXX  VISA with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account.
Consumer complaint received 2020-12-22
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. (AL)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agency stop reporting agencies stop reporting these accounts and violating my right according to the 15 USC 1692.