davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXXXXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2023-12-05
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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (TX)

Ally case number : XXXX Short version : Ally has locked all my accounts. I can not access any funds in order to open a new account and move my direct deposits over, including XXXX. XXXX payments, tax refunds, 457 distributions, etc. 

Long version : My mother died and I received a check from the estate ( {$12000.00} ). I deposited this check on XXXX to Ally money market savings. The issuing bank had bad contact info for my sister ( the sender ), and marked it RETURN TO MAKER on XX/XX/year>. 

The pending deposit was removed from my Ally account and my sister and her bank worked out the communication issues. *NOTE : I did not access or attempt to access the funds after deposit. * After she and her bank got on the same page again my sister asked me to redeposit. I did so on XXXX XXXX. Ally 's app would not accept it saying it had already deposited. I contacted Ally chat support ( I have the emailed transcript ) and was told by rep Mahogany I could e-deposit a replacement check or send in the original for consideraton of redeposit by mail to XXXX XXXX XXXX, XXXX, PA XXXX. I sent it on XX/XX/XXXX, ( incorrectly ) believing that would be simpler. 

On XX/XX/XXXX I received text and email notice that my access and accounts were frozen due to " suspicious activity ''. Both my accounts have been locked since then and I have bills due that I can not pay without access to at least the uninvolved account. Ally is unable to provide a timeline for resolution. 

The sender has cut a replacement check which I will deposit into whatever accounts I have access to.
Consumer complaint received 2024-04-30
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)

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 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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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 2024-04-22
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)

Hello, I am writing to have the following information in my file deleted. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-09-22
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: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-08
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: Mr. Cooper Group Inc. (CA)

Called Mr Cooper Loss mitigation on XX/XX/2023 and XX/XX/2023 to initiate and follow up a request for an extension on my loan. I'm currently on a disaster forberance have only utiliized 9 out of 12 allowable months under fannie mae guidelines. It's been more than a month. No action and notification has been made by mr cooper.
Consumer complaint received 2024-01-30
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: Experian Information Solutions Inc. (MO)

Experian fraudulent crooked company has closed XXXX complaints before XXXX and THEY DID NOTHING as usual And requested this complaint will be XXXX XXXX. AND XXXX.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-04-30
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. (VA)

I would like to dispute off the following items on my credit report. 

Equifax 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
Consumer complaint received 2023-07-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

To expand on the previous complaint XXXX filed in XX/XX/XXXX. I now know that SLS had been a zombie collector who had disappeared for many years to come for my home when the housing market began to recover. SLS started foreclosure proceedings, forced an agreement in order for me and my family to stay in our home during the most vulnerable time of the corona. With an almost 13 % interest rate at double the initial cost of the 2nd from XXXX when I purchased my home. The stress has been debilitating. SLS lied about offers as they did not reach out to make said offers. i understand that you are investigating zombie loans and I have definitely been a victim. It's unfortunate that all they needed to do was respond in a timely manner with lies and CFPB accepted. I hope that you will thoroughly investigate as it was a time barred collection which now has us completely stuck. Yes, this seems to be a XXXX situation as well. By their own submitted records they had no interaction for close to 9 years. see attached
Consumer complaint received 2024-03-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

A lawsuit was filed in XXXX XXXX alleging a debt owed. No contract was received. No credit limit is known and no Credit Card Agreement was received. I have had no business with the.Origanal Creditor nor with the Debt Collector. This is a fraud filing.
Consumer complaint received 2023-03-14
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$740.00} XXXX XXXX  XXXX Balance : {$520.00} XXXX XXXXXXXX XXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX Balance : {$13000.00} XXXX  XXXX Balance : {$630.00}
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (GA)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, TX XXXX RE : REQUEST FOR REMOVAL OF LATE PAYMENT, FCRA VIOLATION, AND CONSIDERATION OF ARBITRATION DEAR SANTANDER, I TRUST THIS LETTER FINDS YOU WELL. I AM WRITING TO ADDRESS A PRESSING MATTER CONCERNING MY ACCOUNT WITH YOUR COMPANY. SPECIFICALLY, IT PERTAINS TO A LATE PAYMENT REPORTED ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX FOR THE ACCOUNT WITH THE REFERENCE NUMBER XXXX. I WOULD LIKE TO DRAW YOUR ATTENTION TO THE FACT THAT THE LATE PAYMENTS IN QUESTION IS BEING INACCURATELY REPORTED ON MY CREDIT HISTORY. THIS INACCURACY HAS LED TO SIGNIFICANT FINANCIAL HARDSHIP ON MY PART. MOREOVER, IT APPEARS THAT THIS INACCURATE REPORTING MAY BE IN VIOLATION OF THE FAIR CREDIT REPORTING ACT ( FCRA ), WHICH EMPHASIZES THE IMPORTANCE OF ACCURATE AND FAIR CREDIT REPORTING PRACTICES.

GIVEN THIS SITUATION, I KINDLY REQUEST THE FOLLOWING : 1.REMOVAL OF THE INACCURATE LATE PAYMENTS : I RESPECTFULLY REQUEST THAT YOU PROMPTLY CORRECT THE INACCURATE LATE PAYMENTS ENTRY ON MY CREDIT REPORT. THIS CORRECTION IS CRUCIAL TO PREVENT FURTHER DAMAGE TO MY REPUTATION AND FINANCIAL STANDING. IT IS MY BELIEF THAT THIS REQUEST IS REASONABLE, GIVEN THE DETRIMENTAL EFFECTS OF THE INACCURATE REPORTING.

2. ARBITRATION AGREEMENT : WHILE OUR AGREEMENT INCLUDES AN ARBITRATION CLAUSE DETAILING DISPUTE RESOLUTION PROCEDURES, I WISH TO EMPHASIZE THAT ARBITRATION CAN BE A RESOURCE-INTENSIVE AND COSTLY PROCESS, PARTICULARLY FOR THE CREDITOR. IN THE INTEREST OF PRESERVING A POSITIVE BUSINESS RELATIONSHIP AND MINIMIZING UNNECESSARY EXPENDITURES, I HOPE TO RESOLVE THIS MATTER AMICABLY AND AVOID RESORTING TO ARBITRATION.

I GENUINELY HOPE THAT WE CAN REACH A MUTUALLY BENEFICIAL RESOLUTION BY ADDRESSING THIS ISSUE PROMPTLY AND EFFICIENTLY. BY CORRECTING THE INACCURATE REPORTING, WE CAN UPHOLD THE PRINCIPLES OF FAIR CREDIT REPORTING AND AVOID UNDUE FINANCIAL AND LEGAL BURDENS.

I KINDLY REQUEST THAT YOU RESPOND TO THIS LETTER WITHIN 15 DAYS TO CONFIRM YOUR COMMITMENT TO RECTIFYING THE INACCURATE LATE PAYMENT ON MY CREDIT REPORT. YOUR COOPERATION IN THIS MATTER WILL BENEFIT BOTH PARTIES AND ALIGN WITH THE PRINCIPLES OF FAIR AND ACCURATE CREDIT REPORTING.

I PLACE SIGNIFICANT VALUE ON OUR BUSINESS RELATIONSHIP AND THE OPPORTUNITY TO MAINTAIN A POSITIVE CREDIT HISTORY. SHOULD YOU REQUIRE ADDITIONAL INFORMATION OR DOCUMENTATION TO FACILITATE THE RESOLUTION OF THIS MATTER, PLEASE DO NOT HESITATE TO CONTACT ME AT XXXX. I APPRECIATE YOUR ATTENTION TO THIS IMPORTANT MATTER AND ANTICIPATE A FAVORABLE RESPONSE. 

SINCERELY, XXXX XXXX
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

I recently received a letter from Equifax, dated XX/XX/XXXX, regarding my request to investigate inaccurate information on my Equifax credit report. This is not the first time I've received such a letter, and it seems that Equifax is using biased practices whenever I submit a complaint with the Consumer Protection Bureau about inaccurate information on my credit report.

In the past, I've received letters from Equifax stating that they were unable to locate my credit file in their database, even after I submitted my Driver 's license and Social Security card multiple times in XXXX. Recently, I mailed Equifax another copy of my identification documents, and they continued to send me letters last year ( starting in XXXX ) stating that I don't exist in their system. This seems like a clear bias, especially since I have been unable to locate my Equifax credit file when filing a dispute with Equifax for reporting inaccurate information. 

I am submitting a complaint to the Consumer Protection Bureau, along with copies of my Driver 's license and Social Security card, the letter I received from Equifax on XX/XX/XXXX, and a copy of my Equifax credit file # XXXX, which I received from Equifax on XX/XX/XXXX. Despite all this, I am still receiving biased letters from Equifax Information Services stating that they are unable to locate my credit file in their system. It seems that their system is not working correctly, and I hope that the Consumer Protection Bureau can help me resolve this issue.
Consumer complaint received 2024-02-28
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I have been making my payments with my checking account on time and month after month I received letters and phone calls that my payment didn't go through due to an invalid checking account number so multiple payments were made. Then when the payment was processed with someone on the phone the prior payments would also process. In XXXX of 2023 there were XXXX payments that processed all at once. I had the same problems in XXXX and XXXX I spent countless hours trying to figure out why my payments weren't processing. Every time I spoke to someone at Kohl 's customer service or their collections department they said that my bank was not allowing the payment to be processed. They were blaming my bank and so I talked to my bank a lot and they confirmed that there were no payments that were being rejected and that my bank was not the problem. They also confirmed multiple payments from different dates processing all at once. This was impacting my life so I decided to do a root cause analysis to get to the bottom of this and I have found the problem and this needs to be fixed by Kohl 's. I want this to be published so that other people know that this is the problem and I want the CFPB to force Kohl 's to change their online policy. The reason that my payments were not going through was due to Kohl 's systemic issue. Kohl 's now requires that you link your checking account to your credit card in order to process a payment to that account. I do not want to link my checking account to my online Kohl 's account or any other department store. I am sure there are many others that are having the same problem with Kohl 's so I feel this needs to be investigated. This is impacting my finances and it also potentially impacts my credit and I have spent so much time trying to figure out why my payments were not going through when the actual problem is Kohl 's and their requirement that you link your checking account to your credit card in order to make a payment with that checking account.
Consumer complaint received 2023-08-05
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. (MI)

After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with the accounts listed. I have not received validation for these accounts as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on XX/XX/2023. XXXX is saying the accounts XXXX and XXXX XXXX, and XXXX are my accounts I stated they were taken out frequently. I have asked for supporting documents to be mailed to me regarding the contract. They have failed to do so. XXXX came back stating XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is mine these are fraudulent accounts I have asked for supporting documents they have failed to send them to me. Experian stated XXXX XXXX are my accounts. They all have failed to submit the contract with my signature and current address. I did not take these loans out at all. They are in violation of FRCA Fair Credit Reporting Act code 15 U.S.C 1681 ( E ) and my privacy rights as a consumer. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received providing that the accounts belong to me and all information is correct. I have not supplied proof under doctrine of estoppel by silence. Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no debt, no therefore any such debt, in fact exists.
Consumer complaint received 2023-12-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NY)

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. This company also has NO permission to report ANYTHING using my information pursuant to 15USC 1681. 

Additionally, this debt is the direct cause of the buildings management team mishandling the disconnection of utilities for an apartment I no longer resided in as utilities were sourced through them.
Consumer complaint received 2024-02-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BARCLAYS BANK DELAWARE (CA)

Barclays Bank has been very unresponsive and difficult to deal with. They will tell you anything on the phone to get rid of you and simply not follow up as they promised. I have spoken with an XXXX XXXX, XXXX - bank manager who would not further identify herself and opened a ticket with the wrong information ( XXXX ) and falsely told me the " back office '' has sent me a corrected 1099, someone named XXXX who never contacted me, and XXXX who filed another ticket XXXX and told me I could not be put in touch with any of the above mentioned persons and that someone would again call. Was also told that a person had called once two weeks ago and never tried again and that is a lie because I have a fully working answering machine and there was no message from Barclays. 
Barclays opened a fraudulent account in my name XXXX with all my personal information about 2 years ago and never, not once, did they contact me about the fraudulent account until I was told that they sent the IRS a notice that I received over {$50.00} and would have to pay tax on it. 
They sent a sweet letter of apology which was all XXXX and still no way to contact them as the " back office '' or bank officials do not speak to or email with their customers directly. How did they so easily allow an fraudulent account be opened without ever checking with the " owner ''. I trust their is some government overseeing of such activity.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have sent multiple letters via certified mail requesting the removal of transactional history and utilization per the guidelines set forth in the USC 1681a ( 2 ) ( A ) ( i ) as this information is not supposed to be included in the consumer report. The reporting agency responded that the company certified information is correct. Part of the responsibility of the consumer reporting agency is to ensure accurate information is being reported, if this information is not allowed per FCRA USC then it should not be reflected on the report and should be reporting 5 % or below and accounted noted " pays as agreed '' XXXX XXXX- which has been in dispute for over a month and should have been removed since the information has not been verified w/i consumer agency timeframe of 30 days XXXX XXXX utilization and XXXX XXXX need to be corrected XXXX XXXXXXXX utilization and late payments need to be corrected XXXX XXXXXXXX utilization and late payments to be XXXXXXXX XXXX XXXX utilization and late payments to be corrected