davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

The duty pursuant to the FCRA, it TRANSUNIONs to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION is reporting 1 inaccurate late payment for the XXXX XXXX account ending in XXXX. This includes a 30 day late payment posted in XXXX XXXX This is incorrect and is supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of this inaccurate late payment has resulted in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish this inaccurate late payment on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination and possibly homelessness very soon. I have tried to remedy this situation by responding to TRANSUNION via written letters to remove this inaccurate reporting of late payments on XXXX XXXX XXXX and XXXX XX/XX/XXXX, however they have continued to ignore my requests. It is because of this inaccuracy that is causing my wife and myself to not be able to find a mortgage lender in order to secure safe housing for us. I fear that if these inaccurate late payments arent removed soon, that we will be homeless.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

The duty pursuant to the FCRA, it TRANSUNIONs to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION is reporting 1 inaccurate late payment for the XXXX XXXX  account ending in XXXX. This includes a 30 day late payment posted in XX/XX/XXXX. This is incorrect and is supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of this inaccurate late payment has resulted in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish this inaccurate late payment on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination and possibly homelessness very soon. I have tried to remedy this situation by responding to TRANSUNION via written letters to remove this inaccurate reporting of late payments on XXXX XXXX XXXX and XXXX XX/XX/XXXX, however they have continued to ignore my requests. It is because of this inaccuracy that is causing my wife and myself to not be able to find a mortgage lender in order to secure safe housing for us. I fear that if these inaccurate late payments arent removed soon, that we will be homeless.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

CAPITAL ONE Date opened XX/XX/XXXX Paid in Settlement {$530.00} CAPITAL ONE Date opened XX/XX/XXXX Account Charge Off {$4700.00} Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization that I the consumer may have given you written, unwritten, verbal, and non-verbal per 15 U.S.C. 6802 that is in effect immediately and indefinitely.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

The duty pursuant to the FCRA, it TRANSUNIONs to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION is reporting 3 inaccurate late payments for the XXXX XXXXXXXX account beginning with XXXX. These include a 30 day late payment posted in XX/XX/XXXX, a 30 day late payment posted in XX/XX/XXXX, and a 30 day late payment posted in XX/XX/XXXX. These are incorrect and are supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination and possibly homelessness very soon. I have tried to remedy this situation by responding to TRANSUNION via written letters to remove this inaccurate reporting of late payments on XXXX XXXX XXXX and XXXX XX/XX/XXXX, however they have continued to ignore my requests. It is because of these inaccuracies that are causing my wife and myself to not be able to find a mortgage lender in order to secure safe housing for us. I fear that if these inaccurate late payments arent removed soon, that we will be homeless.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It is disheartening to come across an error indicating a late payment on my account, especially considering my consistent track record of meeting payment deadlines. This oversight is causing unnecessary stress, and I urge you to promptly correct it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2024-08-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY (VA)

The government came out with The Mortgage Forgiveness Debt Relief Act of XXXX. In XX/XX/XXXX I found myself out of work. I had a mortgage and two lines of equity on that house, all through Wells Fargo. I looked into the Relief Act and was told I would have to go through my bank, ( Wells Fargo ) and they would help me through the process. I contacted them, filled out and sent in all the requested paperwork while following up with phone calls to them. Each time I called, I wrote down the name of the person I was speaking with, the time and date, what we talked about, what they needed from me, and their callback number. I was also told to continue making my payments to them which I did for the entire two years while I tried to work with them. They came up with every excuse possible, from they lost the paperwork ( which I overnighted to them ), to my file was waiting for someone else 's input before it could be processed, to it was input into their system late ( longer than 90 days ) so I would have to go through the process all over again. I continued doing everything they requested because I didn't want to lose my home. Our government bailed out the banks to help customers like me, but Wells Fargo went above and beyond to ignore our request for help. We even resorted to contacting our State Senator in the hopes of getting a response from Wells Fargo. I spent countless hours on hold, passed from one person to the next, and often the call was disconnected or simply not answered when transferred to a different department. 
I drained my savings accounts and had to contact a realtor who specialized in " short sales. '' The first thing he told me was to stop making my payments to Wells Fargo. He sold the house for me in XXXX at a very reduced price. This hurt my credit for the next 7 years and put my wife, kids, and myself in a very financially strained position for years. Having been a homeowner for 35 years and never having missed a mortgage payment, we had to move our family of XXXX into a two-bedroom apartment. While going through this process, the stress caused by Wells Fargos unresponsiveness to our case caused me to have a XXXX XXXX.
Consumer complaint received 2024-08-04
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. (FL)

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 2024-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I visited the XXXX XXXX for vacation I booked and paid for a rental car online prior to my trip! When I went to pick up the car I was under the impression I was putting down a deposit in case of any accidentals which should have been returned 5 business day after bringing the car back! Due to the language differences I was charged for services ( insurance ) I didnt need or authorize! Because it was already purchased with the rental online! i was under the impression it was a refundable deposit! I explained this to CAPITAL ONE and the took my claim! In 4 days the made a decision saying : We finished researching your disputes. Based on the information we have, your claim has been denied due to the following : Our research shows this transaction occurred with a chip card at a chip enabled terminal. 


Capital One did not properly investigate my claim, disregarded the situation and ignored my claim statement! I did not authorize nor understand what I was being charged for bottom line! 

My account is now holds a negative balance due to the denied claim! No thorough investigation takes 4 days! 


My other grievance with Capital One is the BONUS OFFERS! I Completed all task necessary to receive the XXXX bonus on XX/XX/2024 the account was open on XX/XX/2024 we are currently in XXXX and I STILL have not received my bonus offer! i should have received the bonus after the requirements were met! Because that was the incentive for me to open the account! I called 5 representatives all to no avail!
Consumer complaint received 2024-08-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: DISCOVER BANK (NY)

XXXX and XXXX sued me on behalf of XXXX for non payment of a credit card in the amount of {$11000.00}. 
There was a judgement issued by XXXX on XX/XX/XXXX by XXXX Supreme Court ( New York ). 
They placed a lien on my property atXX/XX/XXXXand the sale of my property was contigent on the fact that I pay this judgement. 
I have been trying to contact XXXX for 3 MONTHS, and no one will give me any information on how I can satisfy this debt. 
I was able to sell my apartment ; however, the monies owed to me have been placed in escrow by my cooperative, XXXX XXXX XXXX. I will lose this money if I can not get in touch with someone at XXXX and get a satisfaction of judgement. 
I saw the article titled, '' CFPB Takes Action to Halt Debt Collection Mill From Bombarding Consumers with Junk Lawsuits : XXXX XXXX XXXX illegally sued borrowers on behalf of XXXX and XXXX, among others, '' dated XX/XX/XXXX, and believe I am a part of this scam. PLEASE HELP!
Consumer complaint received 2024-08-01
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to request validation of the debt you claim I owe. According to XXXX XXXX XXXX  v. XXXX, XXXX Haw XXXX, statements alone do not constitute sufficient evidence of a debt. I require a proper validation of this debt. In accordance with XXXX5 U.S.C. 1692c ( c ), I also demand that you cease all communication with me regarding this debt, except to provide the required validation or confirm receipt of this letter. Furthermore, as a consumer report is a medium of communication, please remove any negative information related to this alleged debt from my consumer reports. Failure to comply with these requests may result in further action on my part. I expect an immediate response. Please address all future correspondence to my address above. Thank you for your immediate attention.
Consumer complaint received 2024-08-01
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: EQUIFAX, INC. (AZ)

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, anxiety, emotional distress, and financial hardship that your actions have caused me. Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. Please send all correspondence related to this matter to the address listed above.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Hello and good day! I want to let you know that I'm serious in this complaint, my rights as a consumer is being violated as there are discrepancies on my credit report that seriously needs attention. These inaccuracies are gravely holding back my abilities in achieving financial freedom and getting approved for new credit. This is absolutely frustrating and affecting my overall well-being negatively.
Consumer complaint received 2024-09-07
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. (OH)

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

XXXX XXXX {$370.00} XX/XX/XXXX XXXX {$520.00} XX/XX/XXXX XXXX XXXX XXXX {$1500.00} Date Opened XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-08-01
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: EQUIFAX, INC. (NY)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DC)

Privacy and Confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX. 
Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-07-14
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)

This CFBP complaint has been filed to request pursuant to FCRA & 605B ( 15 U.S.C. & 1681c-2 ) that you, the XXXX, Equifax, and XXXX credit reporting agency, block information appearing on my consumer credit report that is the results of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent,, inaccurate, and false information consist of a personal credit cad account opened at XXXX XXXXXXXX XXXX  with a charge of balance of {$420.00}, an auto loan account opened at XXXX XXXX XXXX XXXX with a charge amount of {$14000.00}. These accounts have resulted on several fraudulent hard inquiries and fraudulent collections appearing on my consul, er FICO credit report. The aforementioned accounts, collections appearing on my consumer credit report maintained by were not opened, made or initiated by me. All of the aforementioned accounts and collections are the results of identity theft and fraud. I have attached a copy of FTC identify Theft Criminal Complaints as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts and collections are the results of identity theft and fraud.