davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-20
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. (FL)

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX 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 2023-11-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: ALLY FINANCIAL INC. (CA)

Back in XXXX, we filed bk XXXX and were XXXX in XXXX. We thought that the second mortgage was removed because ever since the bk was XXXX, we never received any statements or any correspondence from the XXXX. Until after we thought of selling our home, that was when we found out that we had XXXX liens against our property. The broker could not locate the mortgage company at that time. I had to do my research to find out what the mortgage company was. It took me a long time to know that XXXX was sold to Ally Bank. When I reached out to them, they told me that we owed $ XXXX because it accrued interest for almost XXXX  years. They mentioned that we were delinquent for over XXXX  months The original loan was $ XXXX. That was the only time they started sending me correspondence about our loan. We find it unfair that they never sent us anything before for that many years ( 20 years ), and now they're saying that we owed this much. We could have done something about it before had they sent us some type of statement but they never did. They mentioned that it can go to foreclosure. I had tried to reach out to Ally Bank to request a resolution and applied for a loan modification so that it wouldn't go to foreclosure. Since XX/XX/XXXX, I have been trying to communicate with them and ask for help. I sent them the application for modification and all the required docs many many times but they tend to give their customers the run-around. I have sent them all the needed docs via fax, via email, and mailed them as well. I always had to resent the application and resent the required docs. It was very frustrating to hear that they always was missing docs when every piece of document we sent over and over again. We were trying to do our part but they seem to not do theirs. We feel that they are doing the run-around so that they can foreclose my property. It has been over a year and XXXX that we have been trying to work with them but they aren't willing to help us. The balance keeps growing and It's unjust that they aren't fulfilling their responsibilities even though we are doing our best. All the calls are recorded supposedly. I have proof of emails from way back. I would like to ask for your assistance. Now that they know that the property has equity, they send us correspondence and even try to scare us that they can foreclose it. This lien has been dormant for almost 20 years. I believe it is just right that they remove this lien from the title. I can send all the proofs of communication if needed. 

Your prompt response would be greatly appreciated! 


Thank you!
Consumer complaint received 2024-04-09
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)

This is a formal complaint regarding the inaccurate and incomplete information that you are reporting on my Credit Report, which I wish to dispute. 

XXXX  XXXX XXXX XXXX. 
While I acknowledge that errors can occur, it is important to rectify these inaccuracies promptly, as they could potentially lead to higher interest rates for me. Given my current financial obligations, such additional expenses are unwelcome.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I found inquiries on my report that i dont recognize XXXX XXXX XXXX XXXX XX/XX/2023 XX/XX/2023 Equifax XXXX XX/XX/2023 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Equifax XXXX XXXX XX/XX/2023
Consumer complaint received 2023-08-24
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. (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 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 2023-11-17
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. (GA)

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 has violated my rights. Or 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 2022-11-29
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 submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 


XXXX XXXX Balance : {$980.00} ; XXXX  XXXX Balance : {$1900.00} ; XXXX  XXXX Balance : {$5700.00} ; XXXX XXXX Balance : {$10000.00}
Consumer complaint received 2023-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The credit bureaus do not respect the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this 1. " XXXX XXXX XXXX '' Is Inaccurate. I Have tried multiple times to have them fix the situation. I also provided proof that the credit bureaus do not match with each other. 
Amount : {$15000.00} 2. " XXXX XXXX '' Was paid In full, Is inaccurate. Is Inaccurate. I Have tried multiple times to have them fix the situation. I also provided proof that the credit bureaus do not match with each other. 
Amount : {$140.00} 3. " XXXX  XXXX '' Is Inaccurate. I Have tried multiple times to have them fix the situation. I also provided proof that the credit bureaus do not match with each other. 
Amount : {$1400.00} 4. " Account Number XXXX '' Is inaccurate Has no listed information for this account just a debt. Is Inaccurate. I Have tried multiple times to have them fix the situation. I also provided proof that the credit bureaus do not match with each other.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$22.00} XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$4900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX XXXXXXXX Balance : {$120.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was a victim of Identity Theft in XX/XX/2023. I reported the fraudulent activity to the credit card company and bank involved ( XXXX XXXX  ). They closed the account and reported the activity as fraud. I would like the activity removed from my credit score from all credit reporting agencies.
Consumer complaint received 2023-09-20
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-05
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My account with Bank of America has been closed by the bank, and I am requesting you to reopen it. I deny Bank of America 's claims that I initiated a payment of {$24000.00} on XX/XX/2023, resulting in a credit or negative balance of - {$24000.00}. I did not make this transaction online, and autopay was not set up. Upon noticing the payment, I immediately called Bank of America, and the agent confirmed that autopay was not configured. The agent advised me to stop the payment, which is why it was returned. 

Subsequent payments were also returned because my bank had placed a stop payment on all future transactions without my knowledge. Four payments, in total, were returned after that, leading to Bank of America terminating the relationship. This situation seems unreasonable, and I kindly request you to review it.
Consumer complaint received 2023-12-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX XXXXXXXX XXXX refunded me XXXX to correct an issue on a purchase in which they over charged me as well as fail to provide me with all the items I purchased from them. Capital one reversed the credit and are telling me I am not due that credit. XXXX  XXXX XXXX denies reversing the charge, and says that the issue is with capital one, not them. Capital one will not correct this, and talks in circles with no valid explanation, and refuses to give me back the credit I was given from XXXX.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Date Opened : XX/XX/2023 Account number XXXX Balance : {$270.00} High Credit : {$270.00} XXXX XXXX : {$200.00} Past Due : - Payment Status : Past due 30 days Not more than two payments past due Last Reported : XX/XX/2023 Date Last Active : XX/XX/2023 There is no such thing as a late payment because the account was paid in full the moment my credit card ( 15 USC 1602L ) was accepted.

Capital one is reporting a late payment onto my credit report. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I never gave CAPITAL ONE any written instruction to furnish any information on my consumer report which is a violation of USC 1681B. XXXX XXXX has caused stress and anxiety due to the abusive and unfair practices.
Consumer complaint received 2023-11-18
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (MD)

There apparently was a rental debt from over a year ago, I told them that I was not the one who applied for the apartment and they didnt listen. My daughter clarified that the debt was for a refundable fee from the apartment and that she had emails that it should have been cleared. He didn't listen to her and forced her to pay anyway and stated The person who told you that probably doesnt work there anymore anyway. He gaslit her and said he was in the process of moving and thats not how this works. Overall, very disrespectful.
Consumer complaint received 2023-11-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (TN)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( June ) 281 SW 715,719, I presume that no proof of the allege debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I have a Mortgage with XXXX XXXX  XXXX, owned by XXXX XXXX XXXX and fell behind due to Covid-19s causing a Loss of Income, my acct was in Forbearance then Denied Deferral, unwillingly I accepted a unreasonable Repayment Plan instead of accepting a Higher Interest Rate and a Longer Term offered by Mtg Co to Make more Money off me and maybe think they can get my House if I fail to make the Payments in the Future in Lieu of Foreclosure after 10 Plus Years, I was helped by a Family Member and Ended the Repayment plan after 5 Payments on XX/XX/21 and brought Acct Current as of said date, as of today XXXX  has Reported to the Credit Bureaus that my Last Payment was on XXXX/XXXX/21, continuing to Report my Now Invalid and not in Effect Higher Repayment Mtg Payment Amount of {$1300.00} instead of {$810.00}, also the {$3800.00} Payment I made on XX/XX/21 is Reporting as an Increase in my Mtg Balance instead of a Decrease even though on their Website the Info is Accurately Displayed and Current. 
This action has caused my Credit Score to Drop 47 Points making it Extremely Difficult for me to XXXX XXXX XXXX and Cut Ties with this Co, as it seems they are making it very difficult for me to leave, I think the Mtg Co is trying to get back at me and Sabotage my Credit Reporting for their Predatory Behavior I outlined in my earlier Complaint Filing # XXXX Submitted on XXXX/XXXX/21. 
I would sincerely appreciate if someone could take a look at this Co XXXX XXXX Practices towards their Customers, the XXXX. 
I am even thinking of reporting this matter to the XXXX XXXX XXXX and The NY XXXX. 
This action taken by the XXXX Co and XXXX XXXX has affected me both Psychologically and Financially Extremely. 
Thanking you in advance.
Consumer complaint received 2024-04-09
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'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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (CA)

I opened a new account with Chime. I then downloaded the mobile app and funded the initial deposit with {$200.00} via my XXXX XXXX  debit card. No problems so far. I then initiated a transfer of {$4000.00} from my XXXXXXXX XXXX  checking account to the new Chime account. They thought that this was suspicious so they froze my account and locked me out. Even though they thought that this was suspicious they went ahead and took the {$4000.00} from my XXXXXXXX XXXX account. I got an email from them stating that they need more documentation. I have sent them that documentation numerous times but almost immediately I get an email back saying that I need to send them the documentation, which I just did. I have called several times and asked to speak to the Member Protection Team. I have been told I cant speak to them I can only email them but when I do I get the same canned response. They wont let me talk to anyone else they will only tell me to email them. It is just a continuous circle where they dont give me any workable options.
Consumer complaint received 2023-06-19
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: EQUIFAX, INC. (NJ)

This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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 immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Please abide with the law in order for this matter to be resolved promptly. This is the unverified account that needs to be corrected : XXXX XXXX XXXX XXXX XXXX : {$340.00}.