davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have disputed credit card transactions made by XXXX and XXXX on my credit card with Capital One, and Capital One refuses to address the concerns. I have provided Capital One with all of the information in my possession, including how I was locked out from the rideshare account that they want me to access to give them more information, I provided Capital One receipts of the charges and communication with the companies the charges are disputed with. Capital One told me I have not provided the information asked for even though they can see on my credit card statement that I was charged, no refunds have been issued, I have provided all documentation that I have showing the concerns, and I do not have anything additional to give. The companies the transactions are disputed with have not responded to Capital One regarding the concerns. I am requesting the concerns be escalated and addressed in a timely and professional manner. The companies that the transaction disputes are with have been contacted several times with no resolution and proof of this has been given to Capital One with no resolution.
Consumer complaint received 2023-02-18
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. (FL)

I've recently obtained a copy of my credit report and discovered that I have been a victim of identity theft. As my family and I are in the process of buying a home, this news has left me feeling horrified and anxious. This unfortunate situation has had negative impact in my life. I would like to request that you take immediate action and remove the fraudulent accounts from my credit report. I've attached the relevant documentation for you reference. I've also sent the credit bureaus the same documents I'm sending you. I appreciate your attention to this matter and hope that you will work swiftly to resolve this issue. Thank you for you understanding. Please see attached
Consumer complaint received 2024-07-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (NJ)

Dear PayPal, I recently received XXXX mails regarding my dispute. XXXX indicates that my dispute has been resolved, while the other requests irrelevant information. Unlike my experiences with Amazon, my phone service provider, internet service provider, hosting service provider, and many other online service providers, PayPal has compelled me to pay and negatively impacted my credit history over an illegitimate charge. These providers have my card on file but have never charged me for hidden terms, and if an issue arose, they promptly provided a refund without damaging my credit. However, PayPals dispute team forced me to pay {$170.00} to XXXX, damaging my credit score and history in the process. Given that you claim my dispute is resolved, I request a refund of the {$170.00} that your dispute team awarded to XXXX. I also demand to know what measures PayPal has implemented to protect users from fraudulent companies like XXXX in the future. If you are requesting information on who charged my card, it was XXXX. What product or service did XXXX claim I bought or received? I sought to cancel this charge within XXXX minutes of noticing it, yet PayPal failed to prevent this fraudulent transaction. This issue has persisted for XXXX months. Return the {$170.00} to avoid further actions. I did not order any product or service from XXXX. I canceled and disabled my account within their cancellation and refund policy, but XXXX refused to refund me, and PayPal did not stop this fraudulent charge. Please, address this matter urgently and appropriately.
Consumer complaint received 2024-06-25
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. (LA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (FL)

Hi i purchased an auto on approx. XX/XX/XXXX it was an out of state purchased from a Dealer in XXXX Texas called XXXX XXXX  they provided me with a XXXX XXXX which showed the auto was ok no accidents etc. well i was thinking about selling it so i went on the computer to XXXX XXXX XXXX XXXX offer so i put in the vin and it came up in red letters that i can't sell it this way and to find out why fill out a form below and at a cost of XXXX i would get the Experian XXXX XXXX this is a different company than the XXXX XXXX  the dealer provided .So, i filled out the form and paid the XXXX for the Experian report,,, the Experian report said at an action the car was branded as SEVERE STRUCUTURAL DAMAGE!!!!! SO, THIS WILL MAKE MY CAR VALUE WORTH AT LEAST {$7000.00} LESS than what i paid for it. Anyhow the Experian XXXX  XXXX  said the damage was discovered on XX/XX/XXXX which was approx. XXXX years before i purchased it. but also the Experian auto check did not have any accidents listed for the auto just the severe damage report at the auction on the XX/XX/XXXX date so i called Experian XXXX XXXX  they told me the auto dealer will have to get it changed from the auction so i called back the dealer and they said they wasn't doing anything as the mistake was from Experian so i filed a XXXX complaint on Experian XXXX XXXX address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone XXXX also the XXXX  has many complaints of the same complaint as i have to this company,,, also on top of that on XXXX  site for Experian XXXX XXXX XXXX stated that on XXXX XXXX XXXX they was sued by the government and Ohio Attorney General for XXXX XXXX for reporting false credit reports this was on XXXX  with the same address as the Experian XXXX  XXXX So I've been to a garage their auto tech went over the whole underbody of the car and found nothing no damage anywhere and no repairs was made so i called Experian and they said they found out it was a rail under the auto so i took it back to the tech he showed me what's called the rails and they was fine never been damaged i also have a receipt as i had it serviced at that time and the tech wrote down his findings on the receipt i have that and will send it to you if i can I also have the Experian XXXX XXXX report and the XXXX XXXX which i can send also.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in Wagner v. Trans Union Corp., No.95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2024-07-23
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. (MI)

Subject : Formal Complaint Against XXXX Dear Sir/Madam, I am writing to formally lodge a complaint against XXXX regarding their handling of my personal information and related disputes. On XX/XX/year>, I sent a letter to XXXX disputing information they had reported to the credit reporting agencies. Despite the seriousness of my dispute, XXXX has failed to respond to my letter. 

XXXX 's lack of response is not only unacceptable but also a violation of their obligations under the Fair Credit Reporting Act ( FCRA ). Furthermore, they have not notified the credit reporting agencies about the dispute, which is another clear violation of the FCRA. This failure to comply with federal regulations has negatively impacted my credit report and financial standing. 

Additionally, I have discovered that XXXX is reporting my information to a non-affiliate company, which is a violation of my privacy and trust. This unauthorized sharing of my personal information is concerning and unacceptable, especially since I do not have any contract or direct relationship with XXXX. 

Despite my attempts to resolve these issues directly with XXXX, I have received no communication from them. Instead, they have continued to send me bills, further exacerbating the situation. 

I am seeking the assistance of the Consumer Financial Protection Bureau to address these violations and to ensure that XXXX corrects their reporting to the credit agencies, stops unauthorized sharing of my information, and properly addresses my dispute. 

Enclosed with this letter are copies of my correspondence with XXXX and any other relevant documentation to support my complaint. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving these issues.
Consumer complaint received 2024-07-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Shellpoint Partners, LLC (IL)

I recently purchased a home and used Newrez for the servicing of my mortgage loan as I currently have a loan with them. There was a last minute request for documentation at every turn. When attempting to contact anyone at Newrez I would be sent to voicemail the majority of the time. I was passed to at least three different loan officers, each time having to go over everything with them as they seemed to have absolutely no idea what was going on with my loan. The closing was delayed on their behalf with no explanation as to why. The deal was almost canceled by the seller as there was no communication by Newrez as to why there was a delay. Even on the day of closing the closing money was not released to the seller and we all left the title company with nothing in hand. Now, I have attempted to get my earnest money back as this is a stipulation by Newrez that if my loan did not close on time due to a delay by Newrez I would receive my earnest money back up to XXXX XXXX dollars. I have reached out several times to Newrez and every time I am sent to their collections division for no reason. Every person I've talked to there has no knowledge of what I'm speaking about. I've called managers, supervisors, and anyone who will actually pick up a phone and am continuously told they have no idea what I am talking about. Attached is a screenshot of the stipulation on the Newrez website.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NM)

The XXXXXXXX website is having serious isssues. I was able to obtain my XXXX report, but I had to refresh my browser and print to PDF instead of being allowed to save. XXXX then threw an error and told me I had to do it by regular mail, and the main XXXX interface skipped right over Equifax.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My account with XXXX XXXX, XXXX XXXX XXXXXXXX, was never late! I have had exceptional payment history with XXXX XXXX, XXXX XXXX XXXXXXXX, 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 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 months that are reported late 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 XXXX XXXX XXXXXXXX, 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
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. Thos account need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-03
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. (FL)

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 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This letter is to inform you that I 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 and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then 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 damaging my creditworthiness. 

Under the FCRA are 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 these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization ccounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name_XXXX XXXX Date XXXX Account Number XXXX Reason for dispute__IDENTITY THEFT Account Amount XXXX Account Name XXXX_ Date XXXX Account Number XXXX Reason for dispute IDENTITY THEFT_________________ Account Amount XXXX Account Name XXXX XXXX Date XXXX Account XXXX Reason for dispute__IDENTITY XXXX Account Amount XXXX Account XXXX XXXX_ Date XXXX Account XXXX Reason for dispute__IDENTITY XXXX Account XXXX Account Name XXXXXXXX XXXX_________ Date XXXX Account XXXX Reason for dispute__IDENTITY XXXX Account XXXX Account Name XXXX________________ Date XXXX Account XXXX Reason for dispute__IDENTITY XXXX Account XXXX
Consumer complaint received 2024-07-03
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. (UT)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately 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 2024-07-03
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. (TX)

sent letters out to the bureaus eperian, equifax, and XXXX on XX/XX/year>, XXXX, XXXX, XXXX  and XX/XX/year>. It has been over 90 days and the creditors have not responeded. Please deleted and removed the following accounts if not verified and validated. 

XXXX. XXXX XXXX XXXX {$1000.00} XXXX. XXXX XXXX XXXX {$930.00} XXXX. XXXX XXXX XXXX {$870.00} XXXX. XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX {$600.00} XXXX. XXXX XXXX XXXX {$480.00} XXXXXXXX XXXX XXXXXXXX {$190.00}
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I've been a victim of identity theft. My information was exposed to the public in the Equifax data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously!!!