davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-24
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

XXXX responded to complaint XXXX regarding obtaining and sharing my information. XXXX did not and does not have my express written consent to even begin to obtain any of my information, let alone share it. 

XXXX shall provide documentary evidence of consent I have given to them or permissible purpose to obtain or share any consumer information regarding myself. 

XXXX shall provide documentary evidence of consent I have given to CAPITAL ONE to furnish any consumer information regarding myself to XXXX.
Consumer complaint received 2023-06-01
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. (OH)

I received a letter saying that the XXXX XXXX XXXX I account in my credit report was verified but didnt get how it was verified. accounts? 

They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA Equifax are required to promptly DELETE all information which can not be verified. 

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Consumer complaint received 2023-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

See attached complaint on credit reporting agencies that refuse to properly investigate this erroneous account that has been reporting on my consumer report with numerous inaccuracies that are leading current and future creditors that I'm less than worthy of extending my credit. I've disputed this particular item 4 times and they parrot information from this blood thirsty collection that have similar complaints from other consumers for unethical collection practices FDCPA violations.At this point I'm prepared to follow suit of consumers and court proceedings such as that of Dixon-Rollins v. Experian Information Solutions . In this attached letter I request your full method of Verification on this account in writing or I demand to have it deleted from my consumer report. I will seeking remedy in this case for damages caused by this company. I know this company pays you to report this XXXX to my consumer report and you also have a duty as a data furnisher to investigate this item instead of simply sending a form to the company to verify with no merit or factual substantial documents produced. You've have enough time to thoroughly investigate this account so I demand it be blocked and deleted from my report in 7 days from the receipt or this complaint. I'm well prepared to get this matter in the federal court to be property litigated. 

I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-05-31
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CO)

On XXXX I sent a letter regarding inaccurate and frivolous things on my credit report. Till this day over 130 days later I still have not received a response. I feel like I'm being taken advantage of and being ignored on my disputes. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 130 days so they should be deleted promptly.

in Accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 US CODE 1681e ( b ) and 15 US Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurately. 

This has caused me significant damage to my credit score and has blocked me from being able to pursue business credit and being able to provide a better life for my family. I am in severe distress and i need the credit bureaus to respond to my request with a reasonable investigation and to remove these unverifiable and highly questionable accounts off my consumer report. 

As a consumer we should be protected from companies falsifying information on our report.
Consumer complaint received 2018-03-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: GMH Associates Inc. (MD)

I refinanced my home inXX/XX/XXXX with GMH Mortgage. I closed Wednesday, XX/XX/XXXX, with no problems and emailed my contact XXXX XXXX to let her know. She responded with helpful information about payment coupons and cash out checks.

On XX/XX/XXXX, I emailed XXXX to let her know that I received my property tax bill that was to be paid from my escrow account, and I emailed a scan of the bill. XXXX  acknowledged receipt of the property tax bill and said she forwarded it on to the servicing manager and the title company. I assumed it would be taken care of and didn't think of it again, until I received a delinquent tax notice in XX/XX/XXXX. I had to scramble with XXXX XXXX, the company my mortgage was sold to, to get the overdue tax bill paid.
Consumer complaint received 2023-06-21
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. (MI)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-05-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (OH)

On XX/XX/2023 I closed on a house. During the closing process, I set up auto pay through my business account, which I have done for other housing purchases. United Wholesale Mortgage declined my payment for the month of XXXX and XXXX. They did not add me as the primary account holder ( I required a co-signer ) thus I was not informed they declined my payment. 

I called on XX/XX/2023 ( rough time estimation ) and was told that they do not accept payments from third parties. I asked for the necessary forms to complete so they can accept payments from my business account. They emailed me. But the email did not contain the correct information. I called XXXX days later. They emailed me. Again, not the correct information. I called again and asked for a manager. The manager said he would mail me the document I needed to sign. It is XX/XX/2023 and I have not received the document. 

This process has dropped my credit score from XXXX to XXXX. Their error has cost me money and has prevented me from making other purchases as my credit score is so low. 

I have tried to work with this company. I called XXXX XXXX to help me. They have sent United Wholesale Mortgage XXXX inquiries and they have not responded to XXXX XXXX. 

Please help me. All I want to do is set up auto pay through my business account and have my credit repaired.
Consumer complaint received 2023-06-21
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. (CA)

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 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 2023-05-31
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Magnum Association Services (GA)

I moved into my home XX/XX/XXXX First HOA due in XXXX I thought the insurance paid that ( first time homeowner ) I was not working due to COVID I did reach out to the HOA to discuss It was sent to collections XX/XX/XXXX I paid XXXX XX/XX/XXXX I paid XXXX They applied my money to something else and state I still owe XXXX I want this deleted from my credit report and the correct payments applied correctly. XXXX should be XXXX
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Karma (MS)

Checking on my credit through Credit Karma and noticed that someone stole my identity and putting in for loans and accounts. I reported to be removed from my credit and find out who stole my identity. I had a hard time getting back into credit Karna had changed my phone number.
Consumer complaint received 2023-06-04
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2021-04-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp. (DE)

Im getting emails from TrueAccord for credit that was paid to another collection agency over 3yrs ago via garnishments. I even have a copy of the writ of garnishment to prove it. The dates of the emails that I can see are : XX/XX/21, XX/XX/21, XX/XX/21, and XX/XX/21. I guess they think I didnt retain any records or would blindly accept their fraudulent claim.
Consumer complaint received 2017-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE (AZ)

I called XXXX and spoke with XXXX XXXX, I advised him of the hard inquiries on my credit report that was due to me being a victim of their misreporting inquiries. The rep stated that I was not a victim of their reporting. Therefore, he remove the inquiries. I asked him why since it was a mistake on XXXX part. He stated he can not remove them.
Consumer complaint received 2023-06-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Transform Credit Inc. (CA)

Hello, I cosigned on a loan for an acquaintance in medical school and now that individual is unfortunately no longer responding to me and I have decided to default in the loan. 

XXXX : I expressly requested via text that the lender not deduct funds from my account XXXX : I was called by TransformCredit to confirm a payment for the collections. I informed the rep that I did not want to move forward continuing these payments, understanding the risk of defaulting. She verified the consequences ( eg litigation, wage garnishment ) and I verbally confirmed and she stated she would remove my bank routing number. 
XXXX : the lender messaged me via email that they would charge my account and to confirm funds. The amount was deducted anyway and I responded on XX/XX/XXXX to request again that they do not continue deducting from my account XX/XX/XXXX : despite the full amount collected ( bringing me out of potential default ) they say I am still at risk at defaulting. At this point debt has been collected. 

I understand my obligation is contractual however I am trying to separate myself from this individual financially. I am so desperate because I can not continue to make these payments. Thank you for letting me submit.
Consumer complaint received 2023-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On XX/XX/2023, I sent in a letter stating that I am a victim of identity theft and have filed a police report pertaining to the inaccurate items on my consumer report. 
That XXXX tracking number is XXXX. 

A copy of the letter has been attached to this complaint for your reference. 
This letter serves as explicit written permission to remove the items in question from my report. I did not authorize these activities and am requesting that they be blocked from my consumer report as soon as time permits. 

I mailed this same letter with signature confirmation and the above-mentioned tracking number reflects that my letter has been received by an authorized representative of your company. 

Failure to comply shall lead to further complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General as well as legal action being commenced as a result of your companys unlawful noncompliance.
Consumer complaint received 2023-05-12
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. (MD)

I have sent XXXX documentations from XXXX and XXXX XXXX showing that the amounts have been paid and settled. XXXX continues to show the wrong amount. They are not doing a complete investigation as stated. This issue has happened a number of times and I would like your company to report that the credit bureaus are not doing a complete investigation as they state on their websites.
Consumer complaint received 2021-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NV)

Wells Fargo called me Friday XXXX about transactions that look wrong. They were. We cancelled my atm card and they were going to issue a new one that would be sent fed ex in 1-3 business days. On Monday, I had XXXX transactions on my account with a different atm card ( that I had not received yet ) that they approved... XXXX were cash and XXXX was XXXX XXXX. totaling over {$1400.00} even though I had not signed off on a new card from fedex or would have even received it and then travel over 2000 miles away to Florida to do XXXX atm withdraws. They are stating that even though it is their error. I must wait XXXX business days for them to investigate.
Consumer complaint received 2024-03-27
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. (MO)

Dear, Consumer Financial Protection Bureau ( CFPB ) I am writing to urgently bring to your attention the dire situation I have been enduring for over a year due to persistent inaccuracies on my credit report, stemming from the Equifax data breach. Despite my tireless efforts to rectify these errors, I have encountered continuous resistance and indifference from Equifax, exacerbating my financial distress and emotional turmoil.The Equifax data breach exposed my sensitive personal information, leaving me vulnerable to identity theft and fraudulent activity. In the aftermath of this breach, I have diligently sought to restore the integrity of my credit report and safeguard my financial well-being. However, my attempts to address these issues with XXXX have been met with systemic failure and bureaucratic inertia.Specifically, I have been relentlessly pursuing the removal of fraudulent inquiries and collection accounts erroneously attributed to me for over a year. The following inaccuracies are particularly egregious examples of XXXX 's negligence : Inquiries : Automotive : ( XXXX ) XXXX - XXXX XXXX  ( Inquiry : XXXX. XXXX, XXXX ) XXXX XXXX : ( XXXX ) XXXX - XXXX XXXX XXXX ( Inquiry : XXXX. XXXX, XXXX ) Finance/Personal : ( XXXX ) XXXX - XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ) Bank : ( XXXX ) XXXX - XXXX XXXX XXXX ( Inquiry : XXXX XXXX, XXXX ) Collection Accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX, XXXX {$860.00} {$1000.00} {$8300.00} {$670.00} $ XXXX providing extensive documentation and evidence to support my claims, XXXX has failed to take meaningful action to rectify these egregious errors. As a result, I continue to suffer severe financial hardship and endure relentless harassment from debt collectors, undermining my ability to secure housing, employment, and essential services.This prolonged ordeal has taken a significant toll on my mental and emotional well-being, as I grapple with the relentless stress and anxiety caused by the uncertainty of my financial future. It is unconscionable that I have been forced to endure such injustice and hardship for an extended period due to XXXX 's negligence and disregard for consumer rights.
Consumer complaint received 2022-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have numerous charges on my Capital One credit card from XX/XX/XXXX to current. I have contacted them numerous times to report fraud. They continue to send out new credit cards in my name to an address in California and to my address, without my consent. I have asked for my account to be closed and fraud to be investigated. They have advised it will take up to 90 days. In the meantime, someone is still using the Capital One account to charge items under my name. I have over {$940.00} just in XXXX alone for cell phones and school supplies. I am XXXX, I do not need school supplies or cell phone. They continue to charge on my Capital One account. I do not want to be responsible for these charges as I notified them the day I discovered, which was XX/XX/XXXX. To date, there is a total of {$1800.00} charged that I am aware of based on the statement I received int he mail today. I do not understand how someone continues to charge on my account when I have asked numerous times for this to be closed and reported fraud.