davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-05
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. (TX)

I sent a letter last XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$46.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1000.00} XXXX 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 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
Consumer complaint received 2023-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter last XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$46.00} XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original CreditorXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : $ XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-19
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: Experian Information Solutions Inc. (TX)

XXXX has removed me as the co-signer for these loans. Which was granted in XXXX of XXXX  due a permanent XXXX. 

The loan 60 days passed due and is now in default. This information has been sent to all 3 credit bureaus resulting in a lower credit score. 

I have called XXXX at least 3 times, as well as disputing this issue via the credit Bureaus, with no results. 

XXXX student loan is also affiliated with XXXX This issue needs to be addressed and corrected with all XXXX credit Bureaus.
Consumer complaint received 2023-11-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (FL)

I got a car rental reservations that they charged my card back in XXXX for {$170.00}. I cancel the reservation and company agreed to charge a {$50.00} cancelation fee. They gave me a credit in XXXX for {$120.00} and then they rebill the same {$120.00} amount in XXXX instead rebill for {$50.00}. I call my credit card company and they stated they cant do anything because the company already gave me a credit in XXXX. I'm explaining that they rebilled the same amount instead the {$50.00}. The lady said cant do anything. I asked to talked to a supervisor and after placing in hold for minutes told me no one available. I'm telling her they need to give me credit for the {$73.00}, she didn't want to listen of what i Have to say. Someone needs to resolve this issue.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

I was astounded and disheartened to discover that credit inquiries were being conducted without my consent. I have attempted to obtain the following information from the creditors ; however, they have neglected to respond. Details of the Inquiry : Request that the creditor furnish specific information regarding the inquiry, including the date of its initiation, the purpose of the inquiry, and the credit product or service that is associated with it. Application Documentation : Obtain copies of any credit applications or other documents that are pertinent to the inquiry. This may encompass disclosures, agreements, or application forms that you would have completed or received during the credit application process. Documentation of Authorization : Request that the creditor furnish evidence of your authorization for the inquiry. This may encompass signed consent forms, agreements, or disclosures that serve as evidence that you authorized the creditor to access your credit report. Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. The documentation of your interactions with the creditor may encompass emails, letters, or notes. Internal Records : Request that the creditor furnish internal records or notes in connection with the inquiry, including any decision-making processes or rationales for initiating the inquiry. Identity Verification : Prior to commencing the inquiry, request that the creditor implement verification procedures to verify your identity in the event that identity theft is a concern. This may involve the verification of personal information or identity documents submitted during the application procedure. Documentation of Compliance : Inquire about the creditor 's adherence to pertinent laws and regulations that govern credit inquiries, including the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2023-04-30
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: EQUIFAX, INC. (AL)

I have submitted disputed both verbal, written and electronic disputes. 

Even going as far as submitting disputes via regular mail on XX/XX/2023 and then again XX/XX/2023 after they claimed that they were able to verify certain items in my report. 

In both written requests, I requested documents confirming that these were my account as I believe they are fraudulent. Equifax has never been able to provide me with any and only verifies them. I am seeking documentation from the creditors as requested in the attached disputes. 

I have also asked them update my information as my name, date of birth and address all seem to be incorrect on their report and could be adding to the many inaccuracies they are reporting. This request was submitted with both my current drivers license as form of ID & social security card.
Consumer complaint received 2023-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (MD)

On SundayXXXX XXXX XXXX XXXX I received a notification from XXXX stating that my credit score has decreased significantly. When I checked the account, there was a bill that had been sent to collections in my name. The amount due was {$1700.00} for an unknown bill. I called the collections agency this morning and found out the bill was from XXXX XXXX. I have and never had an account of any kind in my name with them. After speaking with XXXXXXXX XXXX fraud department, I was prompted to contact the FTC and file a claim, file a police report and return the information to them before disputing anything.
Consumer complaint received 2023-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Inaccurate information is being reported to my credit report, capital one is reporting that my wife account which Iam a secondary card holder is late since XX/XX/2023 which is inaccurate, we have made all payments on time. She has called several times and they capital one Walmart card also see that it being paid in time. The agents which I have recorded the conversation state that they also agree that the information is inaccurate and should be changed. They state they have forwarded my complaint to the capital one Walmart card supervisor. This now XX/XX/2023 and there is no change. Please help with this issue. They are hurting my credit report and me and causing me pain and suffering. Because there illegal actions I have been denied credit and accounts have been closed and interest have gone up on the other accounts. At this moment they are taking advantage of me and my wife and are retaliating against us for no reason.
Consumer complaint received 2023-04-30
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. (MI)

Someone got a loan and added it to my mortgage. Also they made a change of address to my credit report using my old address from 2018. Also I believe they have my mail and I want a hold on all my credit reporting agencies.
Consumer complaint received 2023-04-30
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: CAPITAL ONE FINANCIAL CORPORATION (WI)

Capital One is reporting Fraud accounts on my credits reports with all 3 major bureaus : XXXX XXXX, XXXX XXXX XXXX. I previously sent Capital One letters, for months, disputing these fraud accounts below. 
Capital One acct # XXXX {$2500.00}. Capital One acct # XXXX {$2200.00}. 
I am a victim of Identity Theft & have already sent a copy of my FTC report to XXXX XXXX, XXXX XXXX XXXX. 
Capital One received my letters and were required to take the appropriate action within 30 days of receipt. Capital One is NOT legally verifying theses fraud accounts, there is no true proof or wet signature, that these accounts belong to me, anyone can open an account online using my info! Capital One 's offices failed to respond to this validation and proof of claim ( NOT A COPY OF A BILL! ) BUT REAL PROOF, all references to this account must be deleted and completely removed from my credit files. However, Capital One willfully failed to delete the disputed information as I requested in my dispute. Capital One 's action or inaction is an intentional violation of the FCRA. 
Thank You.
Consumer complaint received 2023-04-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (WI)

We mailed a R.E.S.P.A. qualified written request for information per 12 USC and 15 USC in relation to a purported position as a debt collector for a mortgage debt. NewRez XXXX Shell Point Mortgage have not provided the information as required by law. This letter was mailed certified mail on XXXX to which NewRez had 30 days to respond with information. It is XXXX ( roughly 80 days ) later and we have not received information. NewRez is legally required to provide this info per Dodd Frank Act, 12 USC, 15 USC
Consumer complaint received 2023-04-30
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (CA)

Ally Bank insisted the money is still floating somewhere in the air before it can be returned back to my other bank. XXXX 's XXXX XXXX program partner with XXXX filed the disputes with Ally Bank to return the money, but there is no update the timeline when money will be returned back. It is already over due for releasing back for 3rd week since XX/XX/23 week. 

Name of Merchant : Ally Bank Exact amount : {$49000.00} Initiated date : XX/XX/23 Reason why you want to file a dispute : Incomplete transfer at Ally 's side because funding at CD account window closed. 

Name of Merchant : Ally Bank Exact amount : {$29000.00} Initiated date : XX/XX/23 Reason why you want to file a dispute : Incomplete transfer at Ally 's side because funding at CD account window closed.
Consumer complaint received 2023-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (SC)

there were several transactions made with chime when I had no card and I was waiting to receive a card jus like when they closed the account, Chime responded back but I wasn't allowed to say anything back, they closed the account fraudulently because they had me waiting to receive a card when the card arrived chime had closed my account, they had also sent my card to a wrong address because I was contacted by a neighbor that had a card they sent during the time I received a bank transfer for {$150.00} ... XX/XX/XXXX, I never received money that was sent from XXXX for {$150.00}, disputed a couple of days later my card was canceled and they gave me a provisional credit of XXXX, then while waiting on a card I see that someone used my card that I had been waiting on XX/XX/XXXX cause they used the wrong pin number, then they took money out of my account all this I am missing over {$300.00} ... I am about to write XXXX XXXXXXXX and also FDIC
Consumer complaint received 2023-04-30
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: SANTANDER HOLDINGS USA, INC. (VA)

According to to 18 U.S.C. 10284. 
You have knowingly transferred possed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

Please accept this formal letter as my first request to investigate and remove derogatory accounts/items from my consumer report. Going over my report, I have found it has errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal your assistance. As a consumer reporting agency 15 U.S.C. 1681a ( ), you are governed by th Credit Reporting Act ( " FCRA* ), 15 U, S.C . 1681, et seq., which protects consumers from inact outdated, or invalidated information reporting of their consumer file. The FCRA states that consumer reporting agency 's responsibility to ensure that all information contained within consumer is accurate and free from errors. Your company is regularly engaged in the business of assemblir evaluating, and disbursing information concerning consumers for the purpose of furnishing consumer reports, as defined in 15 U.S, C. 1681a ( d ), to third parties, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer report. 

Santandeer XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

On or around XX/XX/XXXX - XX/XX/year>. Multiple calls were made attempting to get assistance to make a payment. A call was necessary because I needed the payoff amount. I could not get through to an agent and was met with an automated message saying no one was available. It was obvious they were having system issues. I called a few times. As a result XXXX has reported my account delinquent. This would not have occurred if their phones were operational. I am also currently experiencing an issue with making a payment with my debit card and that is also failing. I will be emailing a screenshot to web services regarding this. This complaint is only in reference to XXXX, which I have also confirmed with an XXXX that XXXX was experiencing phone issues on or around that time. The fact that I mentioned this in a XXXX in the online portal and XXXX still chose to report this as late is unacceptable. I ask that you remove this ASAP. 
XXXX has been never helpful in removing lates even as a courtesy, or due to covid. In this case this is your fault.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

STATE OF MICHIGAN CHILD SUPPORT and the Consumer Agency Experian are in violation of several of my rights. Under 15 U.S.C.

1681i ( 7 ) Method of verification this account is in violation as it was reported without valid evidence.If the account was actually verified then why is the date the account is being reported as open is XX/XX/year> but there is no payment history being reported. Instead of the consumer agency reporting on time payments for the previous months since date opened it only reports late payments that should not be report either because Under 15 U.S. Code 1681b permissible purpose I never gave my consent to report anything on my consumer report. This is in fact identity theft. Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) This is not fair or reporting 100 % accurate the payment from date opened should be reported but they are not. This is misleading and very harmful to my credit and ability to get financially free. They are reporting information that was not verified.
Consumer complaint received 2023-10-23
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: Experian Information Solutions Inc. (NJ)

This information is incorrect in my report. REMOVE THIS XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FDCPA Violations : 15 U.S.C. 1681 ( a ) explicitly states that transaction histories are not to be reported on credit reports, making the reporting of this charge-off unlawful. 
EXPERIAN, XXXX, XXXX blatantly violate 15 USC 1681 ( A ) by reporting transactions histories and without oral, written or otherwise consent.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Credit Report Discrepancies Investigation Request Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding inaccuracies in my credit report across all three major credit bureaus : Experian, XXXX, and XXXX. Upon reviewing my credit reports, I have identified discrepancies that require investigation and correction under the Fair Credit Reporting Act ( FCRA ). 
I believe that my credit report contains inaccuracies that may impact my creditworthiness and financial standing. These inaccuracies are significant as they [ briefly describe how these inaccuracies may have affected you, such as impacting your ability to obtain credit, causing financial harm, etc. ].

I request that the Consumer Financial Protection Bureau conduct an investigation into the inaccuracies on my credit reports. I am attaching my contact information. 

Enclosed are copies of relevant documents supporting my claim, including copies of my credit reports. Please inform me of the steps the CFPB will take to address this matter and the expected timeline for resolution. 
Thank you for your prompt attention to this matter. I look forward to your response.
Consumer complaint received 2023-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I have called this company multiple times over the past 6 months or so. They refuse to even consider speaking with me about the account even though they have all of my information and opened the account. 

The issue seems to be identity verification. I am only missing XXXX piece of information which is a copy of my social security card. Because of this and only this the company is unwilling to speak to me about the account including disputing a fraudulent charge on the account in the amount of approximately {$200.00}. Because of this issue the balance has ballooned to {$380.00}. This is the credit card company 's issue because they have been unwilling to speak with me about the account but keep demanding payment like clockwork.