davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2023-12-06
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I am a member of XXXX. XX/XX/23 They sent a message a indicating : " XXXX has identified a change in your credit information. This could be the result of a new inquiry, line of credit or a change to an existing account. '' I checked and a Khols credit card was applied for. On XX/XX/23 I received another notification about a Khols credit card being applied for. In talking with MyIdCare representative this was for the same credit card. The credit check was on XXXX and XXXX. I did not apply for a Khols credit card.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

The overwhelming stress and sleep disturbances resulting from this issue are exacerbated by the fact that I have diligently adhered to payment deadlines for this account. It's frustrating to encounter problems for actions I haven't undertaken. I earnestly implore you to swiftly resolve this issue, ensuring that my account accurately reflects the correct information and relieving the unnecessary strain it has caused me.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2023-12-28
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was notified by XXXX that a card had been opened in my name at Kohl 's department store. There were $ XXXX {$800.00} in charges. I do not shop at Kohls and have not shopped there in years. I did not apply for that card. XXXX has contacted me and placed me in touch with Kohls ' fraud department. I filed a fraud report with the store. I have yet to contact XXXX XXXX, which is the company that finances Kohls, in order to get more information about the applicant, the card number etc. I am currently awaiting more information from XXXX. I plan to file a police report today.
Consumer complaint received 2023-05-26
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XXXXXX/XX/2022 XXXX. XXXX XXXX XXXX XXXX XX/XX/2022 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 moreover 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.

I do not recognize these inquiries on my credit report.
Consumer complaint received 2024-05-30
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 recently looked at a copy of my credit report and noticed several inaccuracies on my account. this is hurting my ability to get credit. it is my understanding that you will investigate these items for me to make sure that everything is accurate. 

here is the item i am asking you to verify as accurate XXXX XXXX / Account number XXXX
Consumer complaint received 2024-05-30
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 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.

Account Name : XXXX Account NumberXXXX 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 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 2023-12-06
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)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 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 2023-08-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

This is regarding the same alleged debt as the previous reports. I was called by a XXXX XXXX XXXX on XX/XX/XXXX, XXXX, twice on the XXXX, XXXX times on the XXXX and once in the XXXX regarding it. When I talked to them they refused to give any contact information other than their website RCApay.com and their phone numbers were all spoofed so I did not report it at the time. 

After that I was contacted by XXXX XXXX XXXX. Twice on XX/XX/XXXX and once on the XXXX and XXXX. This is the only one that I was able to ever get an actual address for and I sent a dispute letter by registered mail. They never replied. 

With every one of these I have received no mail correspondence in spite of verifying the address and requesting further information regarding this alleged debt. The only thing that I have been able to determine from all of the harassment is that it apparently originated from XXXX they XXXX XXXX XXXX  and went to collections in XXXX. 

Which brings us to the current complaint against XXXX and XXXX, who contacted me on XX/XX/XXXX. They claim to be a law firm that will be pursuing legal action against me. I tried to tell them the same thing that I have told every other one of them. All I want is documentation of the validity of this debt that I do not recognize and I would be willing to discuss paying what I legitimately owe. He immediately resorted to threats of court. 

When I brought up the statute of limitations issue with the entire thing and the illegality of that threat he then lied about the statute of limitations, trying to claim that it is XXXX years in Illinois when it is XXXX for credit cards. Even at XXXX years it would still be well past that from whenever the last payment was made. 

He did nothing but spout off random rubbish, demeaning comments, and threats. Insisting that there was no obligation to even respond to a debt dispute letter because three other companies had the debt previously. He refused to acknowledge the fact that those other companies would not even give me an address.
Consumer complaint received 2023-10-12
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)

I submitted a complaint last XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.
Consumer complaint received 2023-03-11
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. (RI)

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX  account # XXXX XXXX credit # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # 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.
Consumer complaint received 2024-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been well over 30 days and you are in VIOLATION of this law because I am the victim of identity theft. Please delete these items IMMEDIATELY. 
These accounts should not be furnished on my consumer report as they are in VIOLATION. Under, 15 U.S. Code 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-29
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. (FL)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2023-08-29
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)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2023-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

XXXX. ) Receive a notice on from Bank of America on XX/XX/2023 stating that corporate the credit line for XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX NC XXXX was reduced to {$1000.00}. The reason given in the letter was that there were one of more trades on record that were not paid as agreed. The ratio of recent balances to historical use is too high. As the church 's authorized purchaser, I called to inquire about the reason for the decrease and was told that information was received from the business credit reporting agency XXXX XXXX XXXX. A church authorized representative contacted XXXX on XX/XX/2023 and they said there was no report on file and no profile available with the church 's EIN and name. Afterwards Bank of America suggested that the church request business credit reports from each of the XXXX credit bureaus. The church obtained reports from XXXX and XXXX which showed no outstanding balances and confirmed that we have a low-risk credit rating. We further contacted XXXX XXXX XXXX to request a XXXX business credit report, and based on our XXXX 's number we received the same results.
Consumer complaint received 2023-07-04
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: Experian Information Solutions Inc. (GA)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-12-27
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Westlake Services, LLC (WA)

On XX/XX/XXXX at XXXX XXXX I contacted westlake financial about my late payment on my car loan. I had circumstances that made it impossible for me to make this payment on time. I explained what this was and Told them I could make the payment on the XXXX, which would be 24 days late as it was due on the XXXX. They agreed to this and set up a payment for the XXXX the XXXX I was contacted by the dealership I bought the car from saying that the bank defaulted on my loan and they were repoing my car. My car was returned that day. on the XXXX XXXX XXXX processed the Payment!!!. So I got ahold of them and they did nothing to resolve this. 
It is evil what they did to me. That XXXX XXXX was all the money I had in the world. And the truck I bought with my livelihood and they took them both. After professing that they understood my circumstances and set a date for me to make it right so that I didn ; t lose either. Isn't a verbal agreement binding in a case like this? I lost my job because I couldn't make it to work after this happened.This was wrong. So unethical. And terrible business.
Consumer complaint received 2016-11-30
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (FL)

***CRIMINAL FRAUD BY XXXX XXXX , XXXX XXXX , XXXX XXXX FAILURE TO MAIL MONTHLY STATEMENTS IN XXXX LYING TO CFPB ABOUT RESOLUTION*** LOAN SERVICING FRAUD**** CRIMINAL THEFT****FAKE CUSTOMER SERVICE**** ILLEGAL ATTORNEY FEES*** ILLEGAL INSPECTION FEES *** ILLEGAL LATE FEES *** CRIMINAL FRAUD *** NATIONSTAR TOLD THE CFPB IN XXXX THAT WE AGREED TO A RESOLUTION. WE PAID AS AGREED BUT NATIONSTAR KEPT A BALANCE ON THE ACCOUNT AND THEY HAVE COMTINUED TO ADD LATE FEES, ATTORNEY FEES AND ILLEGAL FEES OF OTHER KINDS TO A LOAN THAT IS CURRENT WE HAVE ASKED COUNTLESS TIMES TO HAVE IT CORRECTED BUT THE AMOUNT CONTINUES TO GROW AND THEIR ARROGANCE GETS BOLDER EACH MONTH AS THE ILLEGAL FEES CLIMB THIS IS NO ACCIDENT OR OVERSIGHT. THE ENTIRE COMPANY IS A FRAUDULENT CRIMINAL SCAM PROVIDING NO VALUE WHATSOEVER TO ANYONE THEIR CUSTOMER SERVICE IS NOT ONLY THE WORST IN THE INDUSTRY IT IS INTENTIONALLY MISLEADNG XXXX XXXX, XXXX XXXX, AND XXXX XXXX HAVE ALL LIED TO THE CFPB IN THEIR RESPONSES. FRAUD HAS BEEN PROVEN AND CONFIRMED BUT THESE EXPERTS IN CRIMINAL CONVERSION HAVE PENCIL WHIPPED NUMEROUS CRIMES INTO A FALSE STATE OF LEGALITY. 


LOAN ORIGINATION FRAUD IS ILLEGAL. PREYING ON MINORITIES, LESS EDUCATED AND ELDERLY USING FRAUD IS ILLEGAL. LOAN SERVICING FRAUD IS ILLEGAL. ... XXXX, XXXX AND XXXX ALL HAVE STATED IN WRITING, HOWEVER, THAT CRIME IS LEGAL WHEN THEY SUPERVISE IT.
Consumer complaint received 2024-02-10
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: BARCLAYS BANK DELAWARE (NY)

I reported a fraudulent transaction in the amount of {$540.00} that occurred on XX/XX/XXXXXXXX  with my Barclays View credit card to Barclay 's fraud department as I did not recognize the transaction. They provided a provisional credit and investigated the transaction, which ultimately resulted in them charging me back for the amount and interest from a letter dated XX/XX/XXXX, stating their reasoning as the transaction being valid as the " chip card technology was used and the card was in my possession ''. I called them back to confirm that again this transaction never occurred and if they truly think it's valid to provide my signature or more documentation. Again, simply because the chip technology was used, does not mean I approved/authorized the transaction since various merchants ( i.e. restaurants ) handle the card when you make a purchase and could make a fraudulent transaction with it. As of XX/XX/XXXX, they have not decided to reverse the transaction.
Consumer complaint received 2024-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC (TX)

In XXXX I requested the removal of escrows but I was paid ahead to XXXX and was told I had to request this in the month due. Loancare had phone issues. In XXXX, I waited to make my payment and called and requested on line. Loan due date is the first and I believe I requested on the XXXX. They said I could not because I was past due. On I not only submitted a payment online but also paid the escrow deficiency. I've since made the request 3 times and have not had ANY success. They have a link at https : //myloancareXXXX to make this request. Now they have disbursed my insurance. I asked that they not respond since I will, again, pay the deficiency to facilitate the removal. This request was made today at XXXX XXXX