davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I closed an account in XXXX XXXX  in XX/XX/XXXX and deposited the teller 's check to a new checking account in Capital One. On XX/XX/XXXX, one year after the deposit, Capital One withdrew the money and will not give me access to the funds. They said that ever since the money was deposited, a year ago, they have been trying to reach me for some clarification. I have not received any phone calls from them and the first time that I noticed the problem was when my funds for {$11000.00}, were withdrawn. They claim that they have returned the money to XXXXXXXX XXXX  I closed the account with XXXXXXXX XXXX  when I opened the Capital One account. So I asked Capital One to give me information on how they returned the money ( tracking number, date, copy of transfer, etc. ) so that I can approach XXXX ... Capital One has refused to give me any further information and has left me fending for myself. They have made the whole issue like a fraudulent transaction and are not taking any responsibility. I have gone there along with my husband, with a notarized document showing details of my identity and my husband 's identity and source of funds, but they are very hands-off. At this point, the $ XXXX  plus is not accessible to me and Capital One has not helped and in fact has been very abusive. I have a list of their employees that I have been dealing with for the last 8 days. The whole file is apparently with the fraud department, which does not make sense.
Consumer complaint received 2023-08-03
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Onity Group Inc. (NJ)

After needing my roof replaced, XXXX a claim was submitted to my insurance XXXX  They settled the claim & all funds were disbursed to the contractor in full. 
There was, however a small amount of damage to interior bedrooms.XXXX sent money to cover repairing this damage to the mortgage co. PHH . Initially, I was to have a contractor repair this damage, after the roof was replaced, however he became ill & could not do this work. 
At this time I proceeded to repair all the damaged rooms myself, & informed PHH once it was completed so that they could have it inspected before releasing the remaining funds. They requested a document from the contractor explaining why he was unable to do the work. On multiple occasions I faxed PHH this information & was told the funds would be sent to me. 
After calling multiple times, I was told by different people in the resolution team that it was cleared for payment, after the management team okd it. I have spent many hours on the phone trying know what they need to finalize this matter but can not receive a return call All funds have been disbursed since end of XXXX & I need to finalize this.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

I called the creditor ( XXXX ) about false reporting late payment on XX/XX/year>. XXXX XXXX confirmed that the report was in fact incorrect and was already removed on XX/XX/XXXX of the same year. 
The late payment was still showing on my credit report so i contacted the bureau to get this fixed and didn't. They keep reporting incorrect violating my rigths. 

I looked at my report back on XX/XX/XXXX, and noticed the late payment is still there. 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 account [ XXXX XXXX XXXX XXXX are not complete and accurate. 

I called asking them to make sure everything is complete and accurate They sent me investigation back and said everything is complete and accurate but s everything is not complete and accurate And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

and according to 15 USC 1681s-2 they are suppose to 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 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Re : XXXX XXXX credit score Fair Credit Reporting Act violations Date : XX/XX/2023 Item Disputed Account name - XXXX XXXX  Account number - XXXX Explanation of why you believe the information is inaccurate History reporting as a new chargeoff even though the account was charged off XXXX years* ago Experian Additional comments Every time I dispute this account my score drops when they update the descriptors/history. XXXX XXXX was just reported as a new chargeoff for an account that was charged off 6 YEARS AGO! This dropped my score another XXXX pts ( see attached supporting documentation )! A XXXX year old* account that was charged off XXXX years ago* should not be dropping my score anymore. Im so tired of this fraudulent account that isnt even mine. 

Derogatory marks are supposed to have less of an effect over time, but the way this account is being reported, the opposite is happening. This is a Fair Credit Reporting Act violation! Because of these Fair Credit Reporting Act violations, Ive been denied credit numerous times! Fix this reporting error so my credit profile is accurate and my score is corrected. This is the only negative item on my report all of my other dozens of accounts are pristine. DELETE THIS ACCOUNT!
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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.

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 inst

ructions 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 2023-09-19
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. (MI)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NH)

PHH Mortgage is imposing force-placed insurance when we already have adequate coverage on our property. PHH sent letters dated XX/XX/XXXX and XX/XX/XXXX, both of which falsely claim that there was a lapse in insurance coverage on our home from XXXX. 

XXXX XX/XX/XXXX or early XX/XX/XXXX, XXXX sent our policy renewal to XXXX XXXX XXXX XXXX our previous loan servicer. XXXX did not pay the renewal from escrow as expected, so we directly paid our XXXX policy for the period XXXX. Our loan was transferred to PHH on XX/XX/XXXX. We provided PHH with the declaration pages for our XXXX policy. In a follow-up phone call to PHH, an agent communicated that the policy was unacceptable because of an error in the property description. 

XXXX corrected the error in the property description. In doing so, they cancelled the existing policy with an effective end date of XX/XX/XXXX. XXXX then issued a new policy for XXXX. PHH paid for the new policy from our escrow account. 

*PHH sent a letter dated XX/XX/XXXX, claiming that there was a lapse in coverage from XXXX and would charge us {$190.00} to cover the lapse. In a follow-up call to PHH, the agent said that they did not have proof of insurance for the time period in question ; we pointed out that we had provided the declaration pages for the policy ; PHH said that the declaration pages were not acceptable. 

*On XX/XX/XXXX, we provided a letter of experience from XXXX XXXX which states that our home was insured for the time period in question. In a follow-up call with an agent, PHH stated that this letter was unacceptable. 

*We provided PHH with contact information for XXXX insurance on 2 occasions, most recently on XX/XX/XXXX. PHH did not contact XXXX. 

XXXXPHH sent a letter dated XX/XX/XXXX stating that they would proceed with charging us {$190.00} to cover the time period in question. 

*Over several calls to PHH XXXX most recently on XX/XX/XXXX with agent XXXX, PHH stated that it never received the declaration pages for the policy covering XXXX. I again sent the declaration pages on XX/XX/XXXX.
Consumer complaint received 2023-11-08
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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX  XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX XXXX, XXXX, I XXXX I XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX XXXX Balance : {$6.00} XXXX  XXXX Balance : {$0.00} ( Original Creditor : ) XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$88.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$4300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$440.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$470.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$230.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-11-28
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. (IA)

The following items are incorrect and unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-09
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: Experian Information Solutions Inc. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2023-07-11
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. (GA)

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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of address These are not my adresses and i wish to have them removed from my consumer report immediately. 

I do not reside at any these addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

On XX/XX/2023 I applied for the mortgage modification/forbearance program with my mortgage servicer, XXXX Mortgage XXXX I was approved and accepted and received an extension through XX/XX/2023 and was instructed not to make payments until then. I was approved and the company even played back a recorded call to confirm that that is what I was told ( see attached ) On my Credit Report, all XXXX major credit bureaus have derogatory information showing that I missed/non payment for my Mortgage with XXXX for XXXX XX/XX/2023, XX/XX/2023, XX/XX/2023 and XX/XX/2023 Please remove the non payment for those months as I was in a modification/forbearance program and was approved and told by my mortgage company not to make payments during that time. 

I have attached supporting documentation of the mortgage company confirming that a XXXX representative told me to do so and the modification document saying when my first payment will be due. 

This is a bad practice and predatory for the bank to tell me that my credit would not be impacted because I was going through hardship and in forbearance but instead did the opposite.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX  XXXX Account Number : XXXX
Consumer complaint received 2023-05-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: OPTUM BANK, INC. (WI)

am trying to transfer my funds from an existing XXXX account to a new one and they have given me 2 different dates that they issued checks yet I have not received either one of them. My money has been gone from their account since XX/XX/XXXX. I do not have the funds, can not use it to pay medical bills and am losing interest on this amount. Every time I contact them the check and time I will receive it changes,
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

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
Consumer complaint received 2023-08-07
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: Experian Information Solutions Inc. (AZ)

This is my OTHER 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 accounts 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 accounts XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$0.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1700.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3000.00}
Consumer complaint received 2023-08-31
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. (AZ)

I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.
Consumer complaint received 2023-08-07
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. (TX)

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.