davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: LEXISNEXIS (FL)

I sent a letter to LexisNexis via certified mail requesting that they verify the erroneous entries their company is reporting about me. The tracking from the USPS XXXX shows the letter was delivered on Tuesday, XX/XX/XXXX. It has been more than 30 days as today is XX/XX/XXXX, and I have not received any proof that the company investigated this matter at all. 

Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information known to be false, can not be reported to any credit bureau , I request that they immediately delete this information from my reports.

Excerpt of the original letter I sent containing the inaccuracies.

" I was recently informed of negative information reported in the file LexisNexis maintains under my Social Security number. Upon ordering a copy of the report, I found the following inaccurate : Eviction ( s ) : 16CC00519 Date : XX/XX/XXXX Dismissed Wrongfully filed and the case was dismissed please remove. 

Phone numbers that are NOT : XXXX XXXX Must be removed Addresses that are NOT : XXXX XXXX XXXX, XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Must be removed Email addresses that are NOT : XXXX XXXX Must be removed Traffic Violations : Case # XXXX Date : XX/XX/XXXX Not traffic related Case # XXXX Date : XX/XX/XXXX Statute of Limitations Case # XXXX Date : XX/XX/XXXX Statute of Limitations Case # XXXX Date : XX/XX/XXXX Statute of Limitations Case # XXXX Date : XX/XX/XXXX Statute of Limitations Case # XXXX Date : XX/XX/XXXX Statute of Limitations Case # XXXX Date : XX/XX/XXXX Statute of Limitations Case # XXXX Date : XX/XX/XXXX Statute of Limitations Case # XXXX Date : XX/XX/XXXX Statute of Limitations Case # XXXX Date : XX/XX/XXXX Statute of Limitations Case # XXXX Date : XX/XX/XXXX Statute of Limitations Must be removed Please validate this information and provide me with copies of any documentation associated with the above mentioned. In the absence of any such documentation, I ask that this information be immediately deleted from the record you maintain under my Social Security number and provide an updated report. ''
Consumer complaint received 2023-11-09
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: EQUIFAX, INC. (TX)

XXXX XXXX XXXXXXXX Credit Card with account # XXXX opened on XX/XX/ and a balance of {$1600.00}. 


I believe this account is inaccurate and should be removed from my credit report immediately. Please verify that this is a previously removed collection/Charge-Off. The information on this account is extremely false and fraudulent. i have sent several credit dispute letters involving this account and it was removed from my equifax report then added back months later. I need this removed from all my credit reports and also this is over 7 years. please delete this! 
This is against the Consumer Financial protection bureau and this Company is violating the Debt collection practices. I have received multiple emails and calls offering me a settlement amount. i am not interested in this whatsoever. attached is proof of this offer being sent to me for over 7 years.

here are two recent ones i have in my email XXXX XXXX I am aware of my rights under the FCRA, and I believe this collection account is not valid. I expect a timely response to this dispute, as required by law. Please conduct a thorough investigation and remove this account from my credit report if it is found to be inaccurate. I kindly request that you respond to this dispute within 30 days from the date of receipt, as mandated by the FCRA. Failure to respond within the specified timeframe may result in legal action. 

Thank you for your prompt attention to this matter. I look forward to a resolution that reflects the accuracy of my credit report. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. I personally signed and sent this letter. Sincerely,
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2018-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (UT)

Ocwen loan Servicing LLC has started to charge a service fee to pay the mortgage payment online. They can not just decide all of the sudden that they require us to go paperless to pay online. There is nothing in my note that says they can change the terms of how I make my payment and charge a service fee. They told me I had no option but to pay the fee in the future. This is one more fee that they have decided to get in bed with XXXX XXXX and make money and it's not necessary. They either need to offer the service to all clients regardless of statement option or not at all, but to change it in the middle of the loan is ridiculous!
Consumer complaint received 2018-10-23
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo Mortgage has not sent papers to why they mailed out foreclosed documents to address that was are never been my address. Also Wells Fargo Mortgage will not send documents requested. I have requested documents and its always the same old XXXX  with them providing what requested. It seems they always mail you papers you did not ask for. also Wells Fargo does not reply back always with some computer XXXX letter there working on it. I'm tired of the lies by Wells Fargo Mortgage.
Consumer complaint received 2018-10-24
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: Experian Information Solutions Inc. (ND)

I have contacted the 3 Credit Bureaus ( XXXX, Experian, and XXXX ) about a bankruptcy appearing on my credit report from XX/XX/2010. I asked these agencies how they verified this account as accurate, and they stated that they verified this account as accurate through XXXX and XXXX, two affiliate credit reporting agencies. Under the FCRA laws, these agencies MUST receive their information directly from the creditor of the account, or it should be removed from my credit report. As you can plainly see in this letter from the United States Bankruptcy Court, the Clerk of Court states that " The Court does not send this information directly to these entities. '' If the credit reporting agencies are not verifying this account information with the original creditor, they are in violation of FCRA laws, and this bankruptcy should be removed from all 3 credit bureau agency records and all 3 of my credit reports.
Consumer complaint received 2023-10-14
Product: Credit reporting 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 with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (MT)

To whom it may concern, Your company says I legally owe you money. I will PAY under one condition if you can provide. 1. Validation of the debt that is, the actual accounting. 2. the validation of a signed invoice 3. a copy of the contract binding both parties, myself, and your company, in a letter by certified mail so that there is an independent witness to it having been delivered Please take the time and consideration to remove the incorrect information from my credit report. With our economy struggling the way that it is, I can not afford to have inaccurate information negatively affecting my credit score. I will await an updated copy of my credit report to reflect these changes within thirty ( 30 ) days. Let 's get to the crux of it. Here 's the list of blunders that have got me seeing red : XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove this fraudulent account from my credit ASAP. Also, I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.
Consumer complaint received 2018-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

To whom it may concern.

Our company credit card Capitol One Spark account was cancelled do to not aligning with their company policy. Capitol One would NOT tell us what we did not align with. We called and our account is in good standing. No late payments at all. Capitol One would not tell us what the real problem was. We believe we were singled out because of these reasons. 
1. We are a pawn shop. ( # 1 reason ) 2. We are selling legal firearms.

3. We are a small business owner.

4. We are Republicans.

Would this be a form of discrimination? 
I'm not sure if there is anything you can do for us? 

Attached is a copy of the letter that was sent to us from Capitol One. 

Thank You, XXXX XXXX Manager/Partner XXXX XXXX XXXXXXXX XXXX   XXXX XXXX XXXX XXXX XXXX, Ia. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX
Consumer complaint received 2018-10-24
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. (ND)

I have contacted the 3 Credit Bureaus ( Equifax, XXXX, and XXXX ) about a bankruptcy appearing on my credit report from XX/XX/2010. I asked these agencies how they verified this account as accurate, and they stated that they verified this account as accurate through XXXX and XXXX, two affiliate credit reporting agencies. Under the FCRA laws, these agencies MUST receive their information directly from the creditor of the account, or it should be removed from my credit report. As you can plainly see in this letter from the United States Bankruptcy Court, the Clerk of Court states that " The Court does not send this information directly to these entities. '' If the credit reporting agencies are not verifying this account information with the original creditor, they are in violation of FCRA laws, and this bankruptcy should be removed from all 3 credit bureau agency records and all 3 of my credit reports.
Consumer complaint received 2018-12-14
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. (TX)

Evidently we were suppose to recertify for the loan and didn't not get anything requesting this information. I could not login after multiple attempts for the full year. Would not take my security questions so I could request a new password. 

We were set up to be paperless so since I wasn't getting the emails I did not get the notice or the forms to recertify. We were not making a payment and as of today have extended it so we didn't miss a payment since we were deferred. We have renewed the deferment.. 

We have sent all the required forms to recertify and feel the 127 point drop in my score is unjust and needs to be corrected. I work very hard to keep my credit and to have something I am totally unaware of cause such a drop is unbelievable. I didn't get a XXXX score by accident. I pay my bills and would have taken care of this had I know they needed me to recertify. 

I have worked this out with XXXX XXXX  and need you to contact them to make the adjustment back to my XXXX score. If they are unwilling to cooperate please contact me so I may get involved as well. 

Appreciate you help in correcting this grossly unjust hit to my score.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

According to the Fair Credit Reporting Act 15 U.S. Code 1681 602 ( a ) ( 4 ) states, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Transunion and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 U.S.Code 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( XXXX XXXX XXXX ), is a financial institution by definition under that title. 15 U.S.Code 1681 604 ( a ) ( 2 ) states, " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX XXXX XXXX ), the financial institution, and the Consumer reporting agencies XXXX, and Transunion do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Transunion, or XXXX XXXX XXXX, whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 U.S.Code 6802 ( b ) ( c ) states, that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX XXXX XXXX, Never informed me of my right to exercise my nondisclosure option. Not only that 15 U.S.Code 1681c 605 ( a ) ( 5 ) states '' Except as authorized under subsection ( b ) of this section, 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. '' These accounts are adverse items they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) states, " 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. 15 U.S. Code 1681e states, '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Transunion are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2018-10-23
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. (GA)

1. XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX Not Authorized 2. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Not Authorized 3. XXXX XXXX XXXX   Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Not Authorized 4. XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Not Authorized 5. XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Not Authorized 6. XXXX XXXX   Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX Not Authorized 7. XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX Not Authorized 8. XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Not Authorized 9. XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX Not Authorized
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

According to my research about FCRA 605, XXXX Credit Bureaus are required by law to remove & block any accounts which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these accounts being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following accounts that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-23
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. (IN)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX
Consumer complaint received 2018-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (IL)

I have ( 2 ) monthly reacurring charges from XXXX XXXX University ( XXXX ) in the amount of {$25.00} and XXXX XXXX in the amount of {$17.00}. On XX/XX/2018 the charge for {$25.00} from XXXX XXXX University posted to the account making the account negative - {$23.00}. I made a deposit to my account in the amount of {$50.00} on XX/XX/2018 at XXXX CST at a PNC ATM at XXXX XXXX XXXX XXXX, IL and found it strange that the {$50.00} didnt become available in my account immediately. I didnt think anything of it at the time because I normally dont have any issues with making deposits at the ATM. The next day I checked my account and noticed I was charged a {$36.00} NSF ( Returned Item Fee ). I reached out to PNC and expressed my concern in a very professional manner and explained to not only 1 representative but 2 and not only 1 supervisor but 2 that I made the deposit to secure the funds in my account and cover the {$25.00} charge on the same day the charge posted to my  account and was still charged a {$36.00} NSF fee larger than then my actual charge of {$25.00}. 
I think thats highway robbery and shouldnt be legal and very unfair to your customers and a bad business practice. Not only did I deposit the funds the same day and still got a fee I experienced horrible customer service ... .from 2 supervisors on your Money Management Team and only 1 representative I spoke with named XXXX was empathetic, friendly and understanding. I appreciated that because the 2 supervisors were in my opinion dry, very condescending, unprofessional and not empathetic at all to my situation and never tried to resolve the simple issue but, they represent PNC in a management position ... thats horrible and disappointing. Instead of amicably resolving the issue your ( 2 ) managers quickly shut down any option to resolve or descalate the issue but instead provided contact information to file a compliant and stated they were the highest level and refused any other assistance .... thats horrible customer service from management level ... and to say it was not a bank error and the deposit was made 11 minutes after cutoff so, unfortunately me being a customer with PNC doesnt matter and a courtesy couldnt be extended. 
This fee has caused a snowball effect causing not only for me to pay a fee to PNC but, to pay a fee to XXXX XXXX University because the {$25.00} was returned although I made a deposit to my account to cover the funds in my account. I am contemplating closing my account because this was a very disappointing and horrible experience and Im very shocked at the way your selection of management handled this situation. Instead of making things right and showing value to your customer they handled it in a very unprofessional manner and caused your customer more harm financially.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (IL)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.