davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

Lvnv. Funding LLC XX/XX/year> open balance XXXX I sent multiple request for proof of owner ship my lawyer also did and I was treated nasty and not given any information or sent any of the documents I requested so I believe they dont have them And it should be taking off my trans union credit report equivalent report it was removed this account was fraudulently opened
Consumer complaint received 2024-07-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to ucc-11 Ref # 008497 I owe nothing. Please take all items off my personal credit. With all major Bureau
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I checked my credit report and saw that the accounts I have been disputing are still appearing on my report even if I already said that it's not mine and I already filed an FTC report for it. This is violating my rights and I wanted these Items removed from my report. 

XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2018-11-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANCO POPULAR DE PUERTO RICO (PR)

Banco Popular de Puerto Rico 1. Closed my applications due to its own excessive delays 2. Delayed approving or denying my application 3. Failed to alert me in time about incomplete application 4. Offers a Loss Mitigation Trial Period if I desist from my counterclaim.
Consumer complaint received 2019-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (PA)

On Monday XXXX XXXX I reported to my bank ( chase ) that there were fraudulent charges on my debit card and a dispute was opened. I was issued a provisional credit from the fraud department with 24 hours after filing this report and also issued a new debit.I went into the bank yesterday ( XXXX ) and tried to make a withdrawal and the bank teller ( XXXX XXXX XXXX from the XXXX XXXX XXXX XXXX XXXX ) Made a big deal and got very loud and discussed my account in front of other customers. I was then sit down with a bank manager and he called and verified the money was available and it was. I was allowed to do a withdrawal. Today I go into the bank and they are now telling me that my account is restricted. The Bank Teller has a personal issue with me and gives me an issue every time I go into the bank ( XXXX XXXX ) When I first opened this account there was an issue that I had another account opened. I provided them with all documentations to prove this case ... I was a victim of ID theft. My account was reopened and up until to date I have not had any issues with the account besides going into the branch and dealing with this teller ( XXXX XXXX ) who also happens to be a manager as well.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2023-12-26
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)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-28
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. (CA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2024-04-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am writing to dispute inaccurate information on my credit report. Upon reviewing my credit report, I have identified errors in my name and Capital one account r. These inaccuracies are negatively impacting my creditworthiness and financial standing. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, /15 U.S Code1601 I am entitled to have inaccurate information corrected promptly by the credit reporting agency . The inaccurate information includes : XXXX XXXX XXXX : [ XXXX XXXX ] Incorrect Capital One Express Account Number : XXXX Credit card fraud charges that I did not do I request that XXXX investigate and correct these inaccuracies as soon as possible. Please provide me with a written confirmation of the corrections made to my credit report. 
Enclosed are copies of documents that support my claim, including my identification and proof of the correct XXXX XXXX account number. Please let me know if you need any further information to process my request. 

Please remove the XXXX XXXX XXXX  account and send me a Credit report with in 30 days Thank you Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX : Passport Debt letter
Consumer complaint received 2024-04-28
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 looked at my report back on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting 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 relates. These accounts ( XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX.Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate
Consumer complaint received 2023-09-01
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. (PA)

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 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 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AR)

Every disputed account currently reporting on my consumer report is inaccurate and must be removed. Each negative alleged account is reporting inaccuracies and errors, constituting grounds for removal under the direct violation of 15 USC 1681 for reporting inaccurately. I request a thorough and complete investigation of my credit report ; please do not limit it to the XXXX system, as my financial well-being relies on maintaining good credit. Every inaccurate account is unauthorized and requires immediate removal. 

This debt collector and credit reporting agency have engaged in abusive, deceptive, and unfair practices prohibited by the FDCPA. They reported an account without our agreement, and I did not sign any agreement. A legal contract involves the participation of both parties, and I was not part of any such agreement. Furthermore, they failed to follow the proper 5-step validation procedure, constituting unfair practices. According to the FDCPA, I am entitled to {$1000.00} per violation, and it is evident that my rights have been violated
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 informatin requested from the list of acceptable itms 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 2024-02-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: NCB Management Services Inc. (TX)

Debt Collection agency, NCB Management Services Inc., reports that I owe a balance of {$4100.00}. This company is violating Texas State Licensing Requirements of being licensed/bonded to collect. I am concerned that this debt collection agency has no legal ground to do business or collect from me because of the violation of Texas State Requirements.
Consumer complaint received 2024-04-28
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. (KY)

I recently pulled my credit report and found that a company by the name XXXX is reporting an account that isnt my account on my credit profile. The original creditor is said to be XXXX XXXXXXXX XXXX XXXXXXXX. I have never opened an account with either of the companies above. I asked for this information to be validated as MY DEBT. No information has been sent to me verifying that this is my debt. Also, there is no information about this account as far as payment history on my credit report. It says the account was opened XX/XX/2023 and I did not open an account with either of the two.
Consumer complaint received 2024-02-12
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Sequium Asset Solutions, LLC (MA)

On XX/XX/XXXX I moved from my last address XXXX XXXX XXXX. Everything was paid and discharged ( from an amount was not pay because the building did not accept the government help i got to be on time with my rent ). We left with {$0.00} balance as everything said when we signed. on XX/XX/XXXX I started to get emails, calls and letters from Sequium Asset Solutions LLC about a collection from the amount of {$15000.00} I explained them what happened and that I did not own this debt and they asked me to get in touch with the company and ask them to call the collect company directly to end the process. I sent a lot of emails and call too many times asking for this help but did not get an answer from XXXX. 
The collection is now charge in my credit report affecting it a lot and just on Friday XX/XX/XXXX I got an email from the building manager that sent my the balance due report as {$0.00}.

But they don't like to contact the debt collector to stop the process and remove the collection from my report
Consumer complaint received 2023-04-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I have repeatedly asked SLS to provide me with specific documents related to this illegally processed loan. Instead they inundate me with dozens of irrelevant documents, form letters and old non-related items that have no bearing on what I am asking for. Today I am hoping CFPB will assist in my Qualified Written Request ( QWR ) to obtain just One Document : A COPY OF THEIR NOTARY 'S LOGBOOK SHOWING MY SIGNATURE AND THUMBPRINT FOR THESE LOAN DOCUMENTS.
Consumer complaint received 2023-12-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION (FL)

On XX/XX/XXXX I contacted Navy Federal Credit Union. My first attempt to get a debt consolidation line of credit to pay off high interest accounts to put us in a better position. Our current home values at {$900000.00} with a current mortgage of {$390000.00}. We were trying to get a loan for {$100000.00} that we were going to pay off Navy Federal Credit Union credit card which has a very high interest rate I have been paying for the credit card for more than 20 years. I never did get a chance to talk with a loan officer working on the loan. I made several attempts to speak someone with the bank. I left numerous messages and emails for the loan officer. I feel that my race had something to do with the outcome of the denial. I just got a copy of the denial letter this month. We applied again to get the loan to pay off the bank debt and other debt with the equity in our home. Same outcome no loan officer communication to discuss the purpose of the loan. Again we were denied. We found out that the bank was denying loan because of racial discrimination. I never spoke with the loan officer assigned my file. Please help us with this matter.
Consumer complaint received 2024-08-14
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. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.
Consumer complaint received 2024-08-13
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. (MD)

I am writing to formally file a complaint regarding an issue with the personal data on my credit report, which I believe is not being handled in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under Section 1681g. 
On XX/XX/2024, I sent a written request to Equifax to correct or remove inaccurate personal data from my credit report. My request was based on the FCRA requirement that consumers have the right to accurate information on their credit reports. The specific inaccuracies in question include my address and incorrect previous addresses. Also reported account data that is inaccurate and unverified. 
Unverified accounts, no physical documents provided to me to verify has been provided despite my requests : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX  Acct # XXXX  XXXX XXXX XXXX Acct # XXXX XXXX  XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXX ( XXXX in XXXX, XXXX XXXXXXXX ) XXXX XXXX XXXX  XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Acct # XXXX Incorrect Addresses : XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX, XXXX MD XXXX Correct address : XXXX XXXX XXXX XXXX, XXXX, MD XXXX In my initial letter and a phone call on XX/XX/2024, I provided all necessary verification documents as stipulated under the FCRA to support my request. These documents included a copy of my social security, passport, and utility bill. Despite providing these documents, Equifax has failed to take appropriate action to rectify the inaccuracies. 
The failure to correct or remove this incorrect data is causing significant distress and may negatively impact my creditworthiness. As per the FCRA, I am entitled to accurate information and timely resolution of such disputes, and I have yet to receive a satisfactory response or resolution from the credit reporting agency.

I respectfully request the CFPBs assistance in ensuring that my request is processed correctly. Specifically, I seek the following : 1. A prompt review and correction of the inaccuracies on my credit report as per my initial request.

2. Confirmation that all required verification documents have been received and appropriately reviewed. 
XXXX. A formal update on the status of my request and any actions taken by the credit reporting agency. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Consumer complaint received 2024-07-26
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. (CA)

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

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 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

Dear Consumer Financial Protection Bureau, I am writing to express my deep concern and frustration regarding the unresolved issues with my credit report. On XX/XX/2024, I submitted a formal letter addressing numerous inaccuracies and unknown inquiries on my credit report. Despite the passage of over 52 days, I have yet to receive any acknowledgment or resolution from the credit bureaus. 

This prolonged delay in addressing my concerns has not only left me feeling disregarded and exploited but has also significantly impacted my financial well-being. I have discovered several collections on my credit report that are reporting inaccurately, leading to denials for essential services and unjustified increases in interest rates. 

The consequences of these inaccuracies extend far beyond financial inconvenience ; they have directly hindered my ability to secure funding for critical milestones such as purchasing a home and advancing my business endeavors. As the primary provider for my family, these obstacles have placed an undue burden on our financial stability and future prospects. 

It is imperative to emphasize that the inaccuracies on my credit report are not of my making. I have diligently disputed these accounts and inquiries, yet I have not received any sufficient evidence for their verification. According to Section 611 ( a ) of the Fair Credit Reporting Act, the failure to investigate these items within 30 days warrants their immediate removal from my credit report. Given the extended period of over 52 days without any resolution, I demand the prompt deletion of these erroneous accounts to restore the accuracy of my credit profile. 

The failure of the credit bureaus to maintain 100 % accuracy on consumer reports is not only unjust but also detrimental to the overall economy. This negligence undermines consumer confidence and impedes economic progress. As a responsible consumer, I expect and deserve timely and accurate reporting in accordance with federal regulations. 

Therefore, I insist that the credit bureaus take immediate action to rectify these issues and remove the inaccurate accounts from my credit report. Failure to comply with this demand will leave me with no choice but to pursue legal recourse to alleviate the undue stress and hardship caused by their negligence. 

Thank you for your attention to this matter. I anticipate a swift and satisfactory resolution to ensure the integrity of the credit reporting system and uphold consumer rights. 

Sincerely, XXXX XXXX