davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

It has been an arduous process getting NationStar to respond to my request in resolving account information. Today, I received via email a letter NationStar sent to the property address of the tenant ( XXXX XXXX XXXX ) and it was opened by the tenant/property manager. NationStar promised to send this same letter to my address on file, yet it was sent to the property address ( XXXX XXXX XXXX ). The letter is addressed to me at my correct address ( XXXX ) but arrived at the tenants home. NationStar has once again brought my tenant into a situation that is between XXXX parties. In the past, a representative from NationStar knocked on the door of the tenant months ago and asked questions along with providing a business card to her. My tenant should not be involved and NationStar is not upholding its end of the agreement by not providing information requesting. Instead, they are relegating me to a modification for 40 years at 9.875 %. This is definitely unlawful for {$280.00} Principal Balance that was not applied when paid in XXXX 2015.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I did not give anyone authorization or consent to use my personal information.I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.15 U.S.C 1681 section 602 A. States I have the right to privacy. As well as 15 U.S.C. 6802, and the Privacy Act of 1974. This company is also violating Metro 2 Compliance guidelines. This is FRUAD AND IDENTITY THEFT. It saddens me to know that this company has complete control over my livelihood by sharing private personal information that is incorrect or invalid and AGAINST MY WILL. Their power is going completely unchecked, even with the laws in place that are supposed to protect my consumer and civil rights. I will be taking this company to arbitration if the following addresses are not removed immediately
Consumer complaint received 2024-05-13
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)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 


XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-13
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. (MA)

My credit report began to show hard inquiries on XX/XX/XXXX. Each of the three credit agencies showed these hard inquiries. I have not applied for anything that would cause a hard inquiry on my credit report. 

My XXXX report shows a hard inquiry on XX/XX/XXXX by XXXX XXXX. 

My Equifax report shows two hard inquiries : on XX/XX/XXXXXXXX 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 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 which I also did not initiate. 

It appears that someone is trying to steal my identity. 

I have frozen all three of my credit reports with all three bureaus.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please examine the documents? Some of the listed accounts contain inaccurate information. I am entitled to receive {$1000.00} for each inaccurately reported item on my credit file.
Consumer complaint received 2018-04-11
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I sent in 3 dispute about items on my credit. I for a copy of the original contract for about 90 days. They will send me copy or proof with my signature on it.

XXXX  I sent dispute on XX/XX/XXXX, and XX/XX/XXXX and XX/XX/XXXX the amount is {$800.00} XXXX XXXX XXXX  and {$520.00} XXXX XXXX XXXX XXXX XXXX I sent dispute on XX/XX/XXXX andXX/XX/XXXXand XX/XX/XXXX the amount is {$800.00} XXXX XXXX XXXX and $ XXXXXXXX XXXX  Experian I sent dispute onXX/XX/XXXX andXX/XX/XXXX andXX/XX/XXXX the amount is {$800.00} XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX .
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OK)

I have never done business with XXXX XXXX I've never opened an account with XXXX XXXX XXXX either. I have no knowledge of these accounts. I reached out to them to make them aware of my victimization being trafficked abused and disputed this information. They put on my report that I diapered the account but it meets fcra standards. This is egregious which means transition didn't do their job in investigation not did XXXX XXXX. I want XXXX removed XXXX XXXX removed as well as the hard inquiry associated with the companied and my score accordingly
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX XXXX ***Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX ***Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX ***Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX ***Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX ***Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXXXXXX ***Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX ***Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXXXXXX ***Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX ***Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed.

XXXX XXXX XXXX XXXX*Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX ***Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX ***Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX ***Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX ***Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX XXXX ***Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXXXXXX ***Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXXXXXX ***Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX ***Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX ***Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXXXXXX ***Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX ***Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXXXXXX ***Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX ***Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXXXXXX ***Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX ***Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX ***Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX ***Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX XXXX ***Violation under 15 U.S. Code S 1692e - False or misleading representations and should be removed. 
XXXX XXXX XXXX
Consumer complaint received 2021-10-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (NY)

Square loans me money according to algorithms having to do with my sales activity. I called them to ask if i deposited money into my accout would it impact my loan eligibility. Its a yes or no question. No matter how many times i asked them they said things just to avoid my question.
Consumer complaint received 2024-08-23
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX : {$290.00} XXXX XXXXXXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$120.00} XXXX  XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$250.00}
Consumer complaint received 2024-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has a fraudulent XXXX XXXX deposit showing up in my bank account I did not receive this money. I have been having a lot of fraudulent activity going on. I believe Bank of America has fraudulently put this money in my account to get me in trouble with XXXX I tried to ask her to report it as fraud and she would not. 
There was also a check card deposit in my deposits as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you look at my records youll see I never received an XXXX XXXX  deposit of XXXX I believe they are trying to get me in trouble with XXXX  Thank you for looking into this matter
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (MA)

Im reporting again PayPal Mastercard credit card they have not shown me full receipts for this card only the last 3 which were all payments made may me this a clear attempt to keep restarting the 30 day date to respond properly if you look back in your disputes I just recently had same issue with their fanatics card as well again attached is their response which just shows last 3 statements not receipts of all balance and it says if we do not hear from you we assume this debt is correct. So Im responding
Consumer complaint received 2024-05-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TX)

Mohela has, at every point, mishandled my federal student loans. I submitted my application for an income-driven repayment plan in XXXX XXXX ; it remained " pending '' for six months, and Mohela -- seeing the status -- still elected to put me in a different repayment plan where my monthly payment is {$2500.00}. I had set up an automatic payment in XXXX for {$100.00}, to pay on interest while my application was pending. Mohela used that information to push through a {$2500.00} withdrawal- which I did NOT authorize. I had to call on XXXX, spoke with XXXX and XXXX, to finally be approved and set on a repayment plan. However, while this was processing, my account was put into " payment forbearance. '' The same issue happened ( {$2500.00} attempted payment ) in XXXX, so I called again on XX/XX/scrub>XXXX and spoke with XXXX who informed me that, until Mohela voids the erroneous information that I'm behind by {$2500.00}, Mohela will CONTINUE to attempt to hit my account for {$2500.00} - despite me never authorizing this amount. She advised me to check my Mohela account periodically and only make a payment once the {$2500.00} is no longer showing. It continued to show for a month. I have had to call my bank and have them block Mohela from being able to debit my account. Now, I can't log in because my account is in " transition '' yet Mohela is sending me notices that my account is 60 past due. I can not verify any information, I can not make a payment. I can not contact Mohela electronically ; I must call. I am an attorney, and I often am free in the evenings- when Mohela is no longer available by phone. So I have no way to communicate with Mohela.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I looked at my report back on XX/XX/XXXX and noticed somethings are incomplete and inaccurate. And according to the fair credit report act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relate. 
I send a letter asking them to re investigate these accounts listed below because 1 XXXX  XXXX XXXX XXXX open date is not reported correctly, date last active, this account is not accurate 2 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX open date is not reported correctly, date last active, this account is not accurate 3 XXXX XXXXXXXX XX/XX/XXXX open date is not reported correctly, date last active, this account is not accurate 4 XXXX XXXX XX/XX/XXXX open date is not reported correctly, date last active, this account is not accurate 5 XXXX XXXX XXXXXXXX XX/XX/XXXX open date is not reported correctly, date last active, this account is not accurate
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (CT)

I suspected identity theft and took action to stop it. My credit report is showing the accounts and they arent mine. REMOVE them please ; delete the accounts from my credit report. The reporting is an error and ( the accounts are not mine ). I dont have a knowledge of them. My entire cred report *is flooded with accounts that arent mine.
Consumer complaint received 2024-05-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

See prior claim against XXXX because we thought that's what the Attorney General 's office meant. Instead it was to be submitted against Bank of America. Complaint # XXXX. We have spent hours on this fraudulent XXXX XXXX XXXX 

We didn't challenge the XXXX XXXX {$19.00} in XXXX respectively because we knew there were tolls and expect about XXXX  XXXX. We fought the damage because there was no damage to the car and they would not provide proof so we finally won per se with Bank of America. We fought the {$86.00} which showed up the week following the dispute on the {$710.00}. We asked for proof on the {$86.00} because we ran the tolls for the route we did and it is about {$7.00} so what is the {$29.00} and {$86.00} for. We are sick of Bank of America continuing to let charges come through and hit our card. They are permitting even after the original card was cancelled. 

XXXX is sending through fraudulent charges and Bank of America keeps permitting this. We have provided detail of our requests to XXXX, an email that says we will not be charged, our print out of the tolls that we most likely would have hit {$7.00}. We need help resolving this. 

See attached proof we have a working XXXX dispute with BOA for the tolls charges, our attempts to communicate sixt and resolve via BOA.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Spoke several times to agency at XXXX XXXX XXXX XXXX XXXX regarding the delinquency reported on XX/XX/2023. They claim they did not receive written information. I have sent that via mail as requested dated XX/XX/2023. The account was not delinquent for XX/XX/2023. A payment arrangement was in place ahead of time.
Consumer complaint received 2024-05-12
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am writing to file a formal complaint against Capital One regarding a misleading offer that I received and subsequent mishandling by their customer service department. 

On XXXX I received an email from Capital One promoting an offer where if I spent {$500.00} within three months of approval for their Quicksilver One card, I would receive a {$200.00} bonus. Excited by the prospect of earning a reward for my spending, I applied and was approved for the card. 

However, despite meeting the spending requirement within the specified timeframe, I never received the promised {$200.00} bonus. When I reached out to Capital One 's customer service to inquire about the status of the bonus, I was informed that I did not qualify for such an offer. Furthermore, I was told that there are supposedly three different card types for the Quicksilver One card, which I was unaware of and never saw any options for during the application process. 

This experience has left me feeling deceived and misled by Capital One 's marketing tactics. Not only did they fail to deliver on their advertised offer, but their customer service representatives provided conflicting information, adding to my frustration and confusion. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and hold Capital One accountable for their misleading practices. I request that appropriate action be taken to ensure that consumers are not subjected to similar deceptive marketing tactics in the future. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.