davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

Under CFPB MY ACCOUNT WITH CAPITAL ONE IS CLOSED AND BY LAW THEY ARE NOT SUPPOSED TO CONTINUE SENDING FRAUDULENT REPORTS TO DAMAGE MY ACCOUNT. IVE CALLED AND CONFIRMED UNDER 15 USC 1681. ACCOUNT WAS CLOSED XX/XX/2022 AND REPORTS ARE STILL BEING REPORTED TO MY CREDIT ACCOUNT.ALSO, REPORTS ARE INACCURATE WITH MY STATEMENTS.
Consumer complaint received 2023-04-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I mailed a dispute packet to Transuion on Transunion states they did not receive my dispute until XX/XX/XXXX. I received a letter from Transunion stated they received addition information on XX/XX/XXXX regarding my dispute for XX/XX/XXXX. Unfortunately the postal service states they received my mailed dispute XX/XX/XXXX. Transunion advised me since the additional information was provided, which was nothing at all, they had until XX/XX/XXXX to finish my dispute results. This is in regards to a XXXX XXXX account. I received on several occasions XXXX XXXX validate debt by providing me with a copy of the contract and information related to the balance. I called and spoke with a representative on XX/XX/XXXX and was advised he was removing the account immediately. The next day I received a notification stating the account was going into investigation, which should have been on XX/XX/XXXX. When I called XX/XX/XXXX, the representative stated my account was going into " Maintenance, '' and that triggered something in their system. The reason was not provided. I requested a copy of the contract to initiate arbitration of this account and no response was provided. XXXX XXXX is reporting no payment history at all with Transunion. XXXX was showing a charge off on XX/XX/XXXX. XXXX XXXX was reporting this account to XXXX as a charge off on XX/XX/XXXX. I then filed a dispute with XXXX, XXXX and Transuion. The account was removed from XXXX and XXXX. Unfortunately Transunion did not remove the debt. If the debt is not removed I will file a second small claims suit XX/XX/XXXX, which is 30 days after receiving my initial debt. My first small claims suit was filed in XXXX of XXXX and Transunion settled XX/XX/XXXX for damanges. This is the second time Transunion has not removed debt with proof provided by the consumer and after the financial institution validated the debt via electronic means and not addressed the evidence provided. Please remove this account immediately.
Consumer complaint received 2023-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

Deleting A Negative Credit Card From My Consumer Report FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX PA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below accounts deleted from my consumer report. 
List of accounts to be deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report. 

Best regards, XXXX XXXX
Consumer complaint received 2024-04-09
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (NV)

I was reviewing my credit file on XX/XX/year> when I came across a collection I have no knowledge of being reported by Radius Global Solutions. A debt collector can't report a debt to the three major credit reporting agencies, XXXX, XXXX, and XXXX, before first speaking to the consumer in person or by phone or mailing a letter or sending an electronic message, like an email, about the debt to the consumer and then waiting a " reasonable period of time '' ( at least 14 consecutive days ) to see if a notice of undeliverability comes back. ( 12 C.F.R. 1006.30 ( a ) ( 1 ) and Official Interpretation of 30 ( a ) ( 1 ) ). I never received the mini-Miranda disclosures ( 15 U.S.C. 1692e ( 11 ) ). I was never afforded my right to request verification or validity of this account. This account is not mine and had Radius Global Solutions conducted business according to the law, they would not be violating the law even further by inserting fraudulent information into my reports. Upon receipt of the information they claim is mine, I would have requested verification, and we would have concluded this indeed was not my collection account, thereby not negatively affecting my credit so unjustly. The account was reported XX/XX/year>. I have lived at the same place continuously for nearly a year and have had the same phone number for even longer but as I stated before, I had not heard anything about this debt until looking at my file this morning.I just purchased a truck and was wondering why my rates where so much higher than expected. A collection will do that you know.
Consumer complaint received 2023-03-27
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. (TN)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX & XXXX Opened XXXX. XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; Discharged XXXX : Bankruptcy Reference Number XXXX ; XXXX Filed : Bankruptcy Reference Number XXXX ; XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX , WI XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$840.00} ; XXXX XXXX Bankruptcy : Bankruptcy Reference Number XXXX ; XXXX XXXXXXXX Bankruptcy : Bankruptcy Reference Number XXXX ;
Consumer complaint received 2023-04-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (SC)

To Whom It May Concern : On XXXX XX/XX/XXXX, I became aware of an erroneous defamatory delinquent collection on my credit file reported by WAKEFIELD & ASSOCIATES in the amount of {$1000.00} which didnt and couldnt possibly belong to me at all and which dropped my credit score by XXXX  points with XXXX. 

I immediately contacted WAKEFIELD & ASSOCIATES at the telephone number indicated on my report, ( XXXX ) XXXX. 

I spoke with XXXX at approximately XXXX XXXX XXXX who informed me that the flagged collection account was from XXXX XXXX XXXX in XXXX, Tennessee. 

I explained to him that I had never been to Tennessee and in no way did I require an ambulance there. He insisted that the debt was mine and I immediately did a skip trace using the alleged address of the person with my same name and age while on the telephone with XXXX. 

At an address in XXXX, Tennessee XXXX. 

I found the individual listed at that address using or having the same name as mine but with two different middle initials. Middle initial XXXX XXXX XXXX' on the one hand, " XXXX XXXX on the other. 

XXXX then told me I would need to contact the sheriffs department and file a report to have them remove the collection account from my credit file giving me Reference # XXXX and to send them a copy of the police report via email at XXXX. 

I hung up but, then I called back minutes later and spoke to XXXX who told me that the XXXX XXXX occurred on XXXX XX/XX/XXXX with a pick-up location of XXXX XXXX XXXX  XXXX XXXX, Tennessee and a drop-off location of XXXX XXXX XXXX, XXXX XXXX, Tennessee XXXX XXXX XXXX XXXX. 

I then left my home and went directly to the sheriffs department where I was informed that I would need to contact and file a report in XXXX, Tennessee with the police there as the possible identity theft was not in XXXX XXXXXXXX XXXX XXXX XXXX 

I then called XXXX XXXX, Tennessee police and was informed that I would need to have the XXXX XXXX sheriff contact them because I live in South Carolina. 

How are collection agencies allowed to place derogatory, defamatory, and libelous information on someones credit file? 

Wakefield & Associates should have known or reasonably known that the libelous reporting of an alleged delinquent collection account to my credit file was in error causing serious harm to my reputation. 

I am a XXXX XXXX veteran that suffers with XXXX XXXX XXXX  ( XXXX ) and I dont need this mess in my life. 

I pay my bills.

Kind regards.
Consumer complaint received 2017-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have notified XXXX XXXX XXXX that they are inaccurately reporting that I was late in XXXX 2017. I have asked them to provide me with proof of these late reportings. Please assist me in getting these late reportings removed from my credit file. 

There are 3 XXXX XXXX XXXX Accounts that are reporting inaccurate late payment.s
Consumer complaint received 2023-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

I accidentally made a large payment of {$6000.00} to Citibank when my bill was less than {$600.00}. I requested a full refund. I was told that my request would be processed in 10-14 days. The representative asked if I had overdrawn my account and I answered honestly that it hadnt. It has now been 15 days and I am now unable to pay the next months bills because this hasnt been returned.
Consumer complaint received 2023-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

According to the FCRA, in 15 U.S. Code 1681b ( e ) ( 6 ), failing to maintain reasonable procedures to keep a joint notification systems with other consumer reporting agencies is a VIOLATION. 
TRANSUNION has done this violation on my consumer credit file ( see attached files comparing TRANSUNION to XXXX ). TRANSUNION needs to delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my consumer credit file. 

XXXX : XXXX
Consumer complaint received 2023-04-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION (TX)

On XX/XX/XXXX, my checking account was charged a {$29.00} returned check fee as a result of an ACH transaction presented for payment in the amount of {$820.00}. At no time during the statement cycle was my account ever below {$1000.00}. I requested assistance and clarification about the charge from my credit union ( Navy Federal Credit Union ). They responded that funds deposited into the account were not available, however the transaction log clearly indicates funds were deposited on XX/XX/XXXX. Regardless of the deposit timing or funds availability, the account balance would still not have fallen below {$820.00} ( the ACH amount presented for payment ). As a result of Navy Federal declining the payment and subsequently charging the account a {$29.00} fee, I incurred an additional {$30.00} fee from the merchant who presented the ACH payment ( FACTS payment system ). Navy Federal has not acknowledged its mistake nor compensated me fairly for my lost money, time, nor compensatory make whole relief for the ordeal they created. Navy Federal has agreed to refund the {$29.00} fee, however it took an extraordinary amount of customer time and effort to resolve their willful mistake. It appears Navy Federals internal accounting is prioritizing consumer fee receivables and targeting itss low income military and veteran customer cohort with predatory fee structures. Navy Federals reliance on a self-serving funds availability policy misleads consumers as to the actual available account balance. A review of account running balance amounts in comparison to when Navy Federal supposedly makes funds available makes it clear that Navy Federal is creatively interpreting its own policies to yield fees from its customers. This is predatory and should be stopped. If my running account balance says {$2000.00}, how can I have less than {$830.00}? Fraudulent accounting is how.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have some late payment reports in the XXXX XXXX XXXX XXXX account XXXX, please I need you to update my payments on time or else delete those unfairly late payments from my history, thank you very much
Consumer complaint received 2023-04-23
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. (MN)

There is information on my consumer report thats is identity theft. I did not provide written permission or instruction for these transactions to be reported on my consumer report. Im requesting that this info is blocked and deleted immediately. You have caused me mental and financial stress when you issued an items that does not belong to me and in which I am not responsible for. I'm seeking litigation if this complaint is not handled accordingly. I have not been able to purchase my dream house and provide for my family needs due to these fake, inaccurate and fraudulent items showing on my credit recvord. I attached a letter along with ftc report.
Consumer complaint received 2021-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (MI)

Arvest Central Mortgage company is charging me for PMI insurance past the termination date. Loan documentation ( which they purchased the loan from the original bank ) clearly states that XX/XX/XXXX is the termination date of PMI. Additionally and most importantly, my amortization schedule for the loan very clearly states that on the XX/XX/XXXX payment date, that {$0.00} is due for PMI. 

However, they are stating that I owe PMI payment for my XX/XX/XXXX payment in the amount of {$100.00}. 

I feel they failed to automatically cancel my PMI insurance and I had to call on XXXX to have it cancelled. Since they systematically failed to cancel my insurance, they are over charging me for 1 month and claiming that i owe. They are unable to provide any loan documentation on their end to prove to me that the amount is owed. 

I am concerned for my {$100.00} and also that this is a procedural failure on their end resulting in the overcharge of many others. 

In several phone calls to them, I have been unable to convince them that PMI insurance is not owed on my XXXX payment. 

I have attached 4 files : 2 are the Private Mortgage Insurance Disclosure 2 are the Amortization Schedule ( which shows XX/XX/XXXX payment to have {$0.00} PMI due ) Loan was taken with XXXXXXXX XXXX  and purchased by Arvest My Arvest Central Mortgage account number is XXXX Property Address : XXXX XXXX XXXX XXXX, MI XXXX Kindest Regards, XXXX XXXX XXXX
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-04-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (CA)

On XXXX, I called US Bank about overdraft charges being made to my US Bank checking account ending in XXXX. US Bank removed those charges. While I was speaking to the US Bank Customer representative, I remember telling her that I was sick and tired of having to call each month about this matter and that if it didn't stop I was going to close my checking account. I then terminated the conversation. I ended this conversation not knowing that my US Bank checking account ending in XXXX was closed. When I logged back into my US Bank account, my checking account no longer appeared on my dashboard. This is a free senior account that I can not replace. After seeing that my US Bank checking account had been closed, I called US Bank to find out what happened. The US Bank representative whom I spoke with tried to help me reopen the account. After a few minutes of trying to reopen the account, the US Bank representative said that her " manager '' would not reopen the account. It was not my intent to close my US Bank checking account because it is a free senior account that I have used for many years.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

It appears that 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 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 remove these items. 
XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-04-06
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. ()

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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX Balance : {$3400.00} XXXX XXXX Balance : {$3400.00} XXXX XXXXXXXX Balance : {$3400.00}
Consumer complaint received 2023-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (CT)

I did not authorize these credit inquiries on my report. I would like to have them removed from my credit report or have the company provide the application bearing my name and signature and a copy of my ID proving that I was the person that initiated this inquiry. I did not apply for any credit with these companies. Please verify these inquiries and remove them from my credit report. I have stated this information to the creditors and they have not responded to my claim and this information continues to remain on my credit report. Under the FCRA, if the creditor can not validate the origin of the account and its accuracy and authenticity, they are required by law to remove it from being reported to the credit bureaus. This is damaging to my credit rating and causing me a lot of stress.