davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX balance {$2600.00} - Your records are revealing conflicting and incorrect information compared to other bureaus. 

XXXX XXXX XXXX balance {$420.00} - This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX XXXX balance {$620.00} - This account must be delete immediately due to years of late payments after account was already closed. 

XXXX XXXX XXXX balance {$95.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX balance {$100.00} - Account is reporting inconsistencies and inaccuracies. Open Dates are showing different dates at each bureau. 

XXXX XXXX XXXX Balance : {$250.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX XXXX XXXX Balance : {$83.00} - The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified. 

XXXX XXXX XXXX XXXX Balance : {$110.00} - Account is reporting inconsistent and inaccurate, please delete this account.
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX balance {$2100.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX XXXX XXXX balance {$310.00} - Account is reporting inconsistencies and inaccuracies. XXXX XXXX are showing different dates at each bureau. 

XXXX XXXX XXXX XXXX  XXXX balance {$280.00} - This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this. 

XXXX XXXX XXXX balance {$600.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX XXXX XXXX balance {$1700.00} - This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly.
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: 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 {$10000.00}, {$1100.00}, {$19000.00}. 
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 with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 


-- PERSONAL LOAN 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

This company has been charging improper charges and on top of that it reports the account as charge off, in the last letter, I asked for the investigation where they report that the last payment was on XX/XX/XXXX for {$65.00}, which is false, since the day of closing and delay dates back to XXXX and paid the same amount. I think the amount you reported and charged is incorrect. I repeatedly asked for an investigation but they did not do it, they did not take into account my condition as an elderly adult. 
I do not recognize the information you report, I need you to confirm that it is correct, complete and accurate. Please provide the historical payment and historical balance for this account.
Consumer complaint received 2023-09-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I am stressed and displeased that I see so many fraudulent items on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Consumer complaint received 2021-02-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Paypal Holdings, Inc (CA)

Purchase an item online via Paypal but the it was not delivered. I tried reaching out to both the seller and Paypal but have not received any response from the two parties. I contacted my bank XXXX  XXXX  XXXX XXXX XXXX but they referred me to this Bureau instead.
Consumer complaint received 2021-02-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (OR)

Our mortgage company Freedom Mortgage called us XX/XX/2020 about refinancing our loan. We started the process right away and signed paperwork on XX/XX/2020 to get started. We have provided all requested information timely ( including demands for items to be returned within 24 hours ) and the refinance still has not closed. No one at the Company will answer calls or return emails and they keep making excuses about why it's not done. Primarily that they are waiting for third party information, but can't confirm what. The interest rate lock that we signed is expired and they have not renewed. We have top notch credit and have always paid our monthly mortgage in full on time. The refinance should have been completed in 30 days.
Consumer complaint received 2021-02-12
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: Resurgent Capital Services L.P. (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX XXXX and LVNV Funding. The Account Opened is XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00}. The Account Opened is XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8900.00}. The Account Opened is LVNV Funding Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6900.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2021-02-12
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: WELLS FARGO & COMPANY (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Wells Fargo Card Service and XXXX XXXX. The Account Opened is Wells Fargo Card Service Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00}. The Account Opened is Wells Fargo Card Service Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8900.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6900.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2023-04-07
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. (GA)

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

Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 or 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 2021-02-12
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. (OR)

To whom it may concern, Under 15 U.S 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I XXXX XXXX never gave TransUnion any written consent to report anything on my consumer report, No consent is Identity Theft. A copy of the law is attached with this dispute letter.
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2021, I disputed this account and it came back as if the responsibility is " Individual ''. The student loan is on someone else 's name. It doesn't belong to me. Furthermore, I never CO-SIGNED any student loan. So unless they can provide a document where the student loan is on my name, and in the case of a co-sign has my SIGNATURE, I want this account to be removed from my credit report.
Consumer complaint received 2021-02-13
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)

in XXXX of XXXX i took out a loan with XXXX  to purchase a vehicle. The Dealership i bought it from, XXXX XXXX in XXXX Texas asked me if i wanted to purchase gap insurance. They informed me in case of a loss this insurance would cover any gap between insurance payout and balance of the loan. i purchased the gap insurance at the dealership.the gap insurance company is XXXX XXXX  XXXX. in XXXX of XXXX i was involved in an accident and the insurance deemed the car a total loss. i called the gap insurance company to file a claim and was instructed to fill out a form and send it to them. i sent them the form and they only paid part of the gap. not all of it. now XXXX  has been reporting negatively on my credit report for years. ive tried to resolve the issue with the credit bureaus and XXXX but all they do is keep updating and changing thier reporting to the credit bureaus. i feel all options have been exhausted and i need to file a complaint to get this removed from my credit report as i do not owe this money. the XXXX XXXX  owes this money not me. it is not a large amount of money owed and i have enough to pay it but i feel it is unfair that i payed for gap insurance every month and they refused to pay up in full
Consumer complaint received 2023-05-05
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (KY)

I entered in to forbearance with Pennymac. At the end of the forbearance I attempted a loan modification due to impacted income due to injury. 

Through the process I would get 1-2 automated calls per day. When I would return the call I was told nothing was needed and someone would reach out. After month of this process and getting people on line to assist I was told I needed to send another document that had been sent month earlier. From the time I hung up till the time I called back was lass then 30 minutes and they had declined the modification and filed notice to foreclose. They reopened the modification the next day and took weeks on the decision. During that time my credit score dropped XXXX points. They later declined the modification and I paid Al of the money I was behind. 

Now I am in a situation where I have a year of late payments from forbearance that arent supposed to show as late payments, along with fees for being late I wasnt supposed to have during forbearance. 

The process with Pennymac will lead to many losing homes. The length of time the process took was the reason my loan was denied, over 4 months my income dropped till I could no longer qualify.
Consumer complaint received 2021-02-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One will not provide the total payment history of the debt for credt card ending in XXXX which became XXXX. They only provided the last several years, but the original account ending in XXXX dates back to year XXXX or earlier. 

Capital One has not provided any proof of the original agreement that was signed so I can ascertain my position and in which state the loan was matriculated. Year XXXX or earlier. 

The original agreement should have followed an APR of " Prime rate plus margin '' metric and this was not followed as the prime rate was lowered several times during the crisis from XXXX to XXXX. This is a potentially serious breach in the original agreement which I had requested proof of signature. The changing of interest rates was not something to which I agreed, and I was never notified of any changes to the original agreement.

Capital One may have contacted friends and or family including my children via phone as well as my elderly parents asking about me and potentially revealing details about my debt without my knowledge. 

Capital One suffered a massive data breach in years XXXX, XXXX, XXXX, XXXX and XXXX. I believe my personal credit and personal information was breached in many of these cases, and I received unwanted robocalls, telemarketers, and unsolicited emails and postal mail as a result of Capital One 's failure to ensure the consumer protection I am ensured by law.

Capital One also reported unfairly to credit agencies for late payments that were deemed late because their phone system did not allow for calls dialed to them before the cut off time yet finished after the cut-off time to considered an " On time payment. '' I had this happen to me many several times and as a result my credit score and credit reporting were unfairly damaged. I believe this is something that has affected thousands if not hundreds of thousands of customers. 

Capital One also provides " confirmation codes '' on the phone payment system which are intentionally misleading. For example - all confirmation codes were impossible to ascertain as Capital One intentionally used letters and numbers that were phonetically overlapping and similar such as " 3 & P '', " 3 & C '', " P & C '', " D & T '', " 3 & D '' etc making it entirely impossible to feel secure as a consumer that my payment confirmation code would be validated or useful for reference. Feel that this could have affected thousands or hundreds of thousands of customers.
Consumer complaint received 2023-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am currently trying to fix/repair my credit. I have been using XXXX XXXX. They suggested me an offer for a XXXX card with outstanding approval rates for XXXX XXXXit card. No credit limit was give, only a {$59.00} annual fee as opposed to the {$75.00} fee that had a line struct through it. in addition to XXXX XXXXXXXX  card company sent me an email for a {$700.00} approval. So I applied. I immediately received an email that I was approved and my card works be mailed to me XXXX days. Upon receiving the card I called to activate it. At that time I was notified that my credit limit was {$300.00} not the {$700.00} extended to me via email. I immediately expressed my concern and displeasure of being lied to about the credit limit and annual fee. They stated after running my credit they decided to decrease the credit limit. 

I called XXXX over XXXX  times to resolve this issue. I was told someone would call me back last XXXX. That didnt happen. I called back last Wednesday. They said someone would call me back by the end of the day. That didnt happen. I called them back last XXXX only for them to give me the same spill about credit. The letter they sent me did NOT say with approved credit, nor did it say a specific XXXX XXXX, nor did it say based off a certain XXXX XXXX. I would have never applied. 

I was constantly hung up on after asking to speak with a XXXX daily. I informed the company that legally you can not extend an offer then take it back after the application process is complete. I offered to email them proof of the offer. They stated the can not receive outside emails. I reached out to XXXX XXXX who stated the can not assist me with the issue then referred me to the XXXX credit reporting agencies, whom I have reached out to as well. With no help with them either. I also fooled a complaint with their sister company XXXX XXXX. I have yet to hear from them. This surely can not be legal. 

The only solution
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
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)

I request that you eliminate the erroneous late payment from my account. Given my track record of timely payments, it is unjust for me to be penalized for an error that is beyond my control. I respectfully urge you to update my account with the accurate information as soon as possible.
Consumer complaint received 2021-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXXXXXX Balance {$0.00} - This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to XXXX  or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly Delete this wrong account. 

XXXXXXXX XXXX XXXX XXXX Balance {$0.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance {$540.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX Balance {$0.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX XXXX  XXXX Balance {$810.00} - Balance and payment history is Incorrect please remove immediately. 

XXXX XXXX XXXX XXXXXXXX Balance {$750.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed.