davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-20
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: EQUIFAX, INC. (LA)

See attached!! Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.
Consumer complaint received 2023-04-20
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. (LA)

See attached!! Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.
Consumer complaint received 2023-04-22
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. (TX)

I have requested the consumer reporting agencies to change the status of the XXXX XXXX XXXX XXXX account to closed/never late due to First Investors XXXX XXXX failing to comply with 15 U.S. Code 1666b ( a ) and 15 U.S. Code 1681s2 ( 7 ) ( A ) ( i ). The consumer reporting agencies have failed to update the status and the consumer reporting agencies have failed to comply with 15 U.S. Code 6802.
Consumer complaint received 2023-04-25
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. (SC)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Eastern Account Systems of Connecticut, Inc. (IL)

My Name is XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. I have been legally XXXX for 7 years due to XXXX. I have never lived outside of Illinois due to my XXXX. During XXXX I was hospitalized for XXXX weeks fighting for my life and after XXXX I am now living on XXXX XXXX throughout the day. I am needed to move to a be care location and was informed that my credit needs to be at least XXXX in order to qualify. After pulling my credit, I learned that I am not eligible due to my low score. I discovered many errors on my credit report and fraudulent usage. After contacting credit bureaus most reporting creditors were removed due to never living in California, Texas and Virginia at the same time and while XXXX and hospitalized with XXXX. EASTERN ACCOUNT STSTEM ACCT # XXXX remains on my credit today even after showing proof of my residence. The company is reporting that I lived in XXXX Maine. I have never visit and can not point to it on a Map, even if I had vision. I am not certain what service was used in my name but they are unwilling to share. perhaps we could find out who lives there and arrest the user or owner. Further more, I have a voucher ( section 8 ) and I have lived on a XXXX for 7 years in illinois.
Consumer complaint received 2023-06-23
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: Experian Information Solutions Inc. (MN)

On XX/XX/XXXX i submitted a dispute with reporting company through the cfpb portal and directly with Experian. I also called and spoken with some one at experian. I told them about the incorrect and fraud inquiries on my credit report in return I sent in attach details with fraud report /from the ftc . police report from the county sheriffs office and submitted my id and ss with address in which in return nothing was removed please remove account XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I HAVE CONTACTED THE CREDIT BUREAUS ALL HAVE TAKEN STEPS TO REMOVE THESE INQUIRES ALL EXECEPT EXPERIAN PLEASE REMOVE ACCOUNTS ASAP
Consumer complaint received 2023-11-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (MO)

Some money transfers were made through XXXX, money transfers that I did not authorize, I indicated this to the bank ( in one of their branch ) and the bank said it could not do anything because the account is frozen. Around XXXX dollars were lost in two days thanks to their poor security management with the accounts and the checks that are deposited, they hold a check XXXX h and they do not inspect if is a real check or is a fraud, they just put money in your account and if the check is not legit they just charge you for that when is their fault because they should review the checks carefully before accept them and give to the customer the money.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

For last 3 years i have been contacting XXXX XXXX XXXX XXXX XXXX to stop reporting on a closed account and the account is not my account to delete off my credit file i owe nothing to this bank they keep updating inaccurate information which continues to cause harm to my credit file.
Consumer complaint received 2023-11-17
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I am writing to address a matter related to an account that has been reported on my credit report. According to the information available, your agency filed a notice of nonsuit for this account.

I kindly request that you initiate the necessary steps to remove this account from my credit report in light of the nonsuit filing. This legal action implies that the matter has been discontinued, and it is appropriate for the associated credit reporting to be updated accordingly.

Your non-compliance with my FINAL request of debt validation will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.

Violations of the FCPDA are subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by bringing this issue before a judge. I have been working tirelessly to have this corrected so I will be seeking {$30000.00} for actual damages for mental anguish.

I intend to take all legal steps available to me if the following account is not removed from my credit report within 14 days : PORTFOLIO RECOV ASSOC XXXX
Consumer complaint received 2023-05-08
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. (CA)

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. XXXX XXXX XXXXXXXX XXXX. Please delete ASAP.
Consumer complaint received 2023-11-17
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 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 accounts ( 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-10
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: Experian Information Solutions Inc. (NY)

i am currently reviewing my Experian Credit Report and there is an address that I would like to have added to my credit report. 
Below is the address and telephone number that I would like to have added to my Experian Credit Report : XXXX XXXX XXXX XXXX, XXXX, NY. XXXX XXXX XXXX : ( XXXX ) XXXX
Consumer complaint received 2023-11-17
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)

I, consumer, have identified information in my consumer credit report that is a result of identity theft. This account is not related to any consumer credit transaction completed by me nor initiated by me. Please remove this account immediately. My written permission was not given to this company to report this information as true and accurate as I was not disclosed the true nature of such information is requested. As a consumer, I have the private right to privacy and as of now the privacy of my personal consumer financial information has been violated and disposed to everyone who has viewed a copy of my credit report. To date, XXXX XXXX  XXXX contains false, misleading, and deceptive information that have been sold leaving the consumer denied credit among other injuries. 

acct : XXXX Account XXXX account : XXXX address : XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-11-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (FL)

I am writing to dispute and request the removal of a dismissed fraudulent bankruptcy entry on my credit report. After diligent investigation and legal proceedings, it has been confirmed that the bankruptcy case was dismissed, and there is no basis for the inclusion of this information in my credit file. 
Below are the details related to the dismissed bankruptcy : Bankruptcy XXXX  XXXX- dismissed Reference # : XXXX PLEASE DELETE!!!! 
It is imperative that this inaccurate information is promptly removed from my credit report to ensure its accuracy and to reflect my true creditworthiness. 
I understand that, according to the Fair Credit Reporting Act ( FCRA ), you are obligated to investigate disputed information within 30 days of receiving a consumer dispute. I kindly request that you expedite the investigation process and promptly remove the dismissed bankruptcy entry from my credit report.
Consumer complaint received 2023-10-03
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)

Last year I discovered a false account with XXXX XXXX Bank and XXXX XXXX XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX Bank and XXXX XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but they refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Consumer complaint received 2024-05-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OH)

I was a victim of a scam via Venmo XX/XX/XXXX. The scammer was staff member working for a XXXX XXXX XXXX posed as a customer service representative from my bank XXXX XXXX XXXX XXXX and a confirmed XXXX XXXX  number stating there was issues with my online account. The staff person stated XXXX needed access to Venmo to correct the issue. Once I realized it was scam I immediately ended the call and contacted Venmo and my bank to alert of the scam that evening XX/XX/XXXX. 

My bank helped me close all my accounts stop the money being sent to scammer and reopen all new accounts. I removed all bank information from Venmo and opened a dispute with Venmo. I relayed all the above to Venmo they only dediced I should contact the scammer and " scammer '' to get my money back. I explained again she doesn't exist and they said I owe Venmo {$1000.00} even if the bank stopped the payment. They refuse to deactivate my account. Also, I had a friend accidentally forget and pay me on Venmo since I cant deactivate my account and they refuse to give it back. Venmo has also sent this false bill to collections and has been threatening to ruin my credit. They will not provide a collection let in writing.
Consumer complaint received 2023-11-17
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: NEW YORK COMMUNITY BANCORP INC (NV)

I applied for a Forbearance with Flagstar Mortgage. My husband passed away and he was the primary income source and applicant on the mortgage. Now that my husband is died I no longer can afford the mortgage. I only get a small social security retirement payment and its not enough to pay the mortgage. I listed the house for sale and simply asking for a forbearance until I sell the house 4-6 months. The mortgage company declined my request. How heartless can they be not to provide a much needed forbearance due to my husbands death. I will never work with Flagstar Mortgage again.
Consumer complaint received 2022-12-04
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: CITIBANK, N.A. (GA)

In accordance with the fair reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 SC 1681 Section 604 A Section 2 : It also states a consumer agency cant furnish an account without mv written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose.
Consumer complaint received 2023-11-17
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'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 

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 2023-11-13
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. (DC)

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 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 2023-11-17
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'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AutoNation Enterprises Incorporated (TX)

I applied for a car and only gave the dealership authorization to run my credit once. Instead they ran it multiple times. According to FCRA 605B, it is illegal to report information on my credit report without my permission. This is a defamation to my character and I would like this removed immediately.
Consumer complaint received 2023-11-17
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Fees charged
Company: Fay Servicing, LLC (GA)

I reached out XX/XX/XXXX in regards to the deferred interest because I am trying to do a refi out of this loan with another company. I was told the amount, I paid it and now there is another amount added to my account and no one will call be back. 

I call daily and leave messages with my phone number and still no response. They are holding me XXXX in this loan and my new loan agent can not move forward until the deferred interest on the payoff request is 0. They keep adding more fees and amounts and wont explain it.
Consumer complaint received 2023-11-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: M&T BANK CORPORATION (GA)

In XX/XX/XXXX, I enrolled in Auto Pay on my Mortgage and to be paid on the XXXX of each month. On Sunday, XX/XX/XXXX, I signed into my online portal to confirm my payment was processing and I did not see a payment pending ( i.e. scheduled ) nor did I see anything processing in the portal. The only thing I saw was the next Auto Pay date was scheduled for XX/XX/XXXX. Due to it being a XXXX weekend, I decided to wait until Monday ( XX/XX/XXXX ) to see once the systems refresh if it will reflect the auto pay. On Monday, XX/XX/XXXX, I signed on and again, did not see a scheduled payment for XXXX nor did I see a payment in process so I manually scheduled a payment on XX/XX/XXXX to be paid on XX/XX/XXXX. As the day progressed, I felt uneasy and that a double payment was occurring, so I later went in and canceled my manual payment. After I canceled and received a confirmation of cancellation, when the site refreshed, it showed two payments had now been posted. I called and emailed customer service and they stated there was a site glitch and the payment had been successfully canceled however, obviously, it was not because everything in the portal was showing that two payments were being applied. Nevertheless, to keep this short, due to a site glitch, M & T bank ended up debiting me for two ( 2 ) mortgage payments for the month of XXXX. This was allegedly escalated for further research but I still have not heard back from the company as to what happened and why they debited my account twice. Furthermore, what if I lived paycheck to paycheck, this error made on the bank 's behalf can devastate a Consumer. I want the CFPB to investigate and make sure M & T Bank provides a response to this inqurity.
Consumer complaint received 2019-02-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX XXXX capital one threat jail time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affirm Holdings, Inc (NC)

On XX/XX/2023, I sent the following letter to Affirm Inc. regarding a reporting on my credit report. This company claim I have two accounts with them. For account XXXX, they claim I own {$290.00}. For account XXXX the claim, I owe {$2200.00}. In the letter sent on XX/XX/2023, I ask them to verify this debt was mine. 

As of XX/XX/2023, I have not received any validation of the debts that Affirm , Inc is claiming to be mine.