davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am writing to formally dispute and request the removal of inaccurate information that is currently present on my credit report with your bureau. I have identified specific issues that require your immediate attention : an inaccurate late payment entry that persists despite being successfully removed by another credit bureau. 
Inaccurate Late Payment : CAPITAL ONE XXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

I kindly ask that you investigate these discrepancies promptly and take the necessary steps to correct the inaccuracies on my credit report. I understand that the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to ensure the accuracy of the information they report, and I trust that your bureau will uphold these standards.
Consumer complaint received 2023-11-21
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. (IN)

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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2023-11-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC (MD)

On XX/XX/XXXX, at XXXX XXXX, 2 hours after customer service chat was closed, NewRez sent us an email alerting us that they had not received XXXX 's mortgage payment. I immediately checked my bank 's records and confirmed that the payment had gone to NewRez and been negotiated on XX/XX/XXXX. I have contacted NewRez and supplied them a copy of the transaction history. NewRez I will be filing a Notice of Error with them tomorrow. 

It appears that the check may have been sent to another post office box than the one currently designated, which perhaps accounts for New Rez 's error. However, given that the check was made out to NewRez, contained my account number, and was negotiated, I believe the failure to credit my account is NewRez 's and not mine.
Consumer complaint received 2023-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I filed a fraud complaint for unauthorized use of my debit card with Citizens Bank on XX/XX/2023 for a total amount of {$1800.00}. These charges were made between XX/XX/2023 and XX/XX/2023 at multiple businesses including XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX. There were a total of XXXX charges ( Ive included a pdf of highlighted disputed charges ), and some were charged multiple times in one day. I do not use any of these businesses. 

I received written notification that my claim was denied dated XX/XX/2023. 

I called Citizens customer service to obtain more information about why my claim was denied and the representative told me someone from the fraud department would call me and explain why my case was denied and that after this call, my case would be reopened and reinvestigated. I never received a call from Citizens fraud department. 

I received a written notification dated XX/XX/2023 that the additional review of your claim and the original decision stands and the claim remains denied.

I should mention that this is the third fraud claim I have filed with Citizens this year because my debit card has been compromised. The two other claims were determined that fraud did indeed occur and I was issued a credit to my account for the total amounts of the claims.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Mr. Cooper Group Inc. (CA)

XXXX XXXX sold my loan to MrCooper and I was not aware the loan transfer. I do have auto-payment with XXXX XXXX so I never thought there could be a problem with my mortgage payment. I noticed the late payment at the beginning of XXXX. I made the payments and setup the auto-pay with MrCooper. 

I called MrCooper in XX/XX/XXXX explaining the situation. The customer service was nice and said she will help me dispute the credit report. On XX/XX/XXXX I received the letter saying their inquiry will take 30 days. I called them again to see if they can expedite the procedure and they totally changed their response. They said what I did is useless, the inquiry result would be declining my request and they will not remove the credit report regardless of my situation. They don't care about the fact that the loan was transferred without my ackonwledgement. They first said they can help dispute and then they change their attitude saying they will do nothing. 

After the first time they told me they can dispute the credit report, I sent out an offer to buy a house and the offer was accepted. Now I'm facing a high risk of a huge penalty since later they refuse to dispute the late payment.
Consumer complaint received 2024-04-18
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: EQUIFAX, INC. (NC)

I sent a certified dispute correspondence to the reporting creditor XXXX in XXXX. Per my request in my dispute, I received no response from the reporting creditor. 

After the 30 days past, I sent a certified dispute correspondence requesting immediate removal of the disputed XXXX accounts, per Federal law, to the reporting credit bureau Equifax. I included copies of all the original documentation from the original correspondence sent to the reporting creditor, certified XXXX return cards and tracking for proof of receipt, a copy of my Equifax credit report showing the accounts that need to be removed, as well as copies of my personal identification documentation ( a driver license and social security card ) which was the same XXXX forms of documentation that I've sent in the past to the credit bureaus. 

What I just received from Equifax in XXXX, in response to my certified dispute correspondence in regards to this matter was a frivolous letter requesting personal identification, by way of the forms that I had already provided them in my certified dispute correspondence back in XXXX. 

At this point, I am XXXX that Equifax failed to maintain reasonable procedures to assure the maximum possible validity, completeness, accurateness and correctness in my credit report. It seems the creditor XXXX and the credit bureau Equifax are not legally abiding by the federal law and consumer law, and ultimately, this reported information is damaging me and my quality of life, since it is affecting the interest rates that I am able to get and limits my credit capacity and job opportunities.
Consumer complaint received 2022-12-20
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)

I have loan XXXX. I have always made my payments on time. For some reason, I realized that there were XXXX XXXX late payments on my credit report for the XXXX XXXX XXXXXXXX, XXXX and XX/XX/XXXX. I have read enough to understand my rights. The XXXX and TransUnion Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of XXXX XXXX XXXX Id like this matter resolved ASAP as it is impacting XXXX XXXX XXXX XXXX Please update or remove the late payment from these accounts. Below are the accounts with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$22000.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$24000.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}.
Consumer complaint received 2023-11-21
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (CA)

OK I applied for {$3000.00} loan and the bank said on their website that I was preapproved and for the {$3000.00} cash loan and then they ran a hard inquiry. I looked through all the information that they offered and it was just the cash and if I got approved, it would just be the cash when they made the offer they made only one offer that they would take over my car payment which I owed {$9000.00} on {$300.00} a month at XXXX XXXX interest and then, it would go from owing {$9000.00} to owing {$15000.00} and paying {$500.00} at XXXX XXXX interest which is Id never asked for my car to be touched and it doesnt say anything on the {$3000.00} loan that they could touch it, so they are trying to strong army and pretty much since I am about The inquiry on my credit score if I dont take this alone Im not gon na get the house that Im supposed to get in XXXX and its not that they know that and they dont theyre not I dont have no debt I make {$4000.00} a month and Im trying to help my credit score instead of that and said that theyre turning my car against me for no reason I never asked for my car to get put up
Consumer complaint received 2023-04-20
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: Spring Oaks Capital, LLC (NV)

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX NV XX/XX/XXXX I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! XXXX, XXXX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, utility bill, driver 's license, and insurance card. 
This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, XXXX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, XXXX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, XXXX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. 
IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : XXXX, XXXX, and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 
15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 
ACCOUNT NAME - XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-26
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: ENOVA INTERNATIONAL, INC. (GA)

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately 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 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I am writing to express my dissatisfaction and frustration regarding the numerous attempts made to remove fraudulent items from my credit file. Despite multiple efforts to rectify the situation, the issues persist, and I find the current state of affairs to be unacceptable. 

Clearly outline the nature of the fraudulent items, including dates, amounts, and any relevant transaction details. 

Provide a brief summary of the steps you have taken to address the problem so far, including dates and methods of communication with the company or service involved. 

If applicable, mention that you have attached any supporting documentation, such as screenshots, emails, or correspondence related to the fraudulent items and your attempts to resolve the issue. 

Describe the impact the unresolved fraudulent items have had on you, whether it be financial stress, inconvenience, or any other relevant consequences. 

Clearly state your expectations for resolution, whether it be a full investigation into the matter, a refund, or any other appropriate action. 

Specify a reasonable deadline for the company or service to respond to your complaint and take corrective action. I am asking for your assistance to reove these fraud items in my credit file : 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 2023-11-21
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: Experian Information Solutions Inc. (DC)

I wanted to explain to you CFPB is that my credit score on EXPERIAN has no credit score, but Experian is reporting two accounts.

One loan and Secured Credit Card.

I'm getting ready to have another loan being reported.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 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 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 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 2023-11-21
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. (NY)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX Balance : {$500.00} ; XXXX XXXX Balance : {$1400.00}.
Consumer complaint received 2024-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (CA)

I am writing to formally request the removal of an inaccurately reported charged-off account with CitiBank , N.A . from my credit report. The account in question is being inaccurately reported in violation of the Internal Revenue Code and Fair Debt Collection Practices Act. 

According to the Internal Revenue Code, charged-off accounts are considered certificates of indebtedness and should be classified as income. As income can not be reported on a consumer report as a debt, the current reporting of this account constitutes inaccurate and misleading information on my credit report. 

The specific sections of law that support my claim include : Internal Revenue Code Section 61 ( a ) : This section defines gross income, including income from discharge of indebtedness. A charged-off debt should be reported as income, not as an outstanding debt. 
Fair Credit Reporting Act ( FCRA ) Section 1681s-2 ( a ) ( 1 ) ( B ) : This section mandates that furnishers of information, such as CitiBank, N.A., must not report information that they know or have reasonable cause to believe is inaccurate. 
Fair Debt Collection Practices Act ( FDCPA ) Section 1692e : This section prohibits false, deceptive, or misleading representations in connection with the collection of any debt. 
Additionally, I have not received the Form 1099-C, which is required for me to properly remit my taxes for the discharge of this debt. This oversight further emphasizes the inaccuracies in the reporting of this account. 
Due to these inaccuracies, I request that this charged-off account be promptly removed from my credit report. This adjustment will ensure the accuracy of my credit report and compliance with the applicable laws.
Consumer complaint received 2023-11-21
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

This is a request for an investigation into my credit report, which I believe contains inaccurate information that is severely impacting my financial and emotional well-being. I have already notified XXXX and XXXX credit bureaus about the inaccuracies, and they have taken steps to remove them. However, I have noticed that this information is still present on the credit report you have provided me. I am seeking your assistance in investigating and removing the following inaccurate items from my credit report : XXXX/XXXX  XXXX. Also, I do not agree to electronic communication. I request that all correspondences be provided in written form through the United States Postal Service ( USPS ). I am the individual submitting this complaint, and I hereby grant the Consumer Financial Protection Bureau ( CFPB ) the authority to conduct an investigation into this claim.