davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-05
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)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must DELETE the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I hereby dispute the current payment status and remark comment associated with my credit report for XXXX XXXX XXXX XXXX for a Credit Limit of {$9000.00}. The remark comment indicates " Payment after charge off/collection, '' and I believe that this information is inaccurate and does not reflect the true status of this account. 

The length of the placement in regard to my Payment History for Current Payment Status and Remark comment demonstrates that at all times the credit reporting agency and furnisher knowingly and recklessly violated the FCRA. 

I would like to clarify the following points : Payment History : Contrary to the remark comment, I want to emphasize that I have not made any payments on this account after it was Charged off or sent to Collections. Therefore, it is inaccurate to suggest that there have been any payments made in this regard to support a Current Payment Status as Charged off or sent to Collections. 


Current Status : While this account may have had a Charge-off or Collection status in the past, it is essential to note that it has been resolved, and there is no outstanding balance or active Collection effort related to this account. This would make the Payment History for Current Payment Status and Remarks being reported as Charged off or sent to Collections inaccurate and false. 


Considering this information, I demand that my credit report be updated to report only accurate account information in regard to my Payment History for Current Payment Status and Remark comment. I respectfully request that you immediately investigate and rectify the Current Payment Status and Remark comment associated with this account. It is crucial that my credit report accurately reflects the status of my financial obligations, and the current Remark comment is not only misleading but is not being accurately reported as required by law and is detrimental to my creditworthiness. 


In accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 1681s-2, I exercise my right to dispute any inaccurate information on my credit report. Please conduct a thorough investigation into this matter and provide a written response within 30 days, as required by law, informing me of the results of your investigation and any actions taken. 


Thank you for your prompt attention to this dispute. Failure to properly dispute this information pertaining to the Remark comment will result in a request to the IRS for a review of the missing 1099-C in support of Charge-off tax requirements. I anticipate the correction of the inaccurate current payment status remark comment on my credit report.
Consumer complaint received 2023-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

For background details - I have a credit limit on the Capital One XXXX XXXX of {$14000.00}, balance on it is {$290.00} as of XX/XX/XXXX. I have substantial limit remaining to be utilised. On XX/XX/XXXX, I contacted the customer service department of Capital One to inform them of a large purchase I was to make later that evening for the repair of my husband 's car which amounted upto {$6000.00}. I spoke to representative XXXX and was told that I do not require to inform Capital One of such purchases as I have no restriction on my account. Later that evening when I went to pick up the car from the auto shop, I tried to use my Capital One XXXX Credit card but was immediately declined. I then contacted the customer service department again and come to find out that they restricted my account with XXXX explanations or notifications. And the rep mentioned that it is being reviewed by a specialist and that I will not be able to use my card for 7-10 days or until the restriction is removed completely. I contacted them again and was connected to the fraud department, this time rep XXXX and XXXX repeated the same thing and refused to tell me the reason for this restriction on my account. They declined to help me and just asked me to wait to be contacted by Capital One directly after 7-10 business days. Due to this my husband and I have been placed in a difficult situation with no reliable transportation until this Bank reviews my account which was opened recently. I had a balance of {$590.00} as of XX/XX/XXXX, of which {$300.00} was paid same day. This payment was above the minimum payment of {$25.00} required. 
Capital One has failed to resolve this issue with a reasonable cause. I did not even attempt to utilize more than half of the credit limit, I informed them prior to making the purchase and I have no late payments, yet my card/account has been restricted or blocked from being used. Very disappointing and terrible experience. Will advise others to be very careful before banking with Capital One.
Consumer complaint received 2023-03-08
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. (PA)

I had called my bank XXXX XXXX XXXX XXXX XXXX about getting a loan to purchase a car. They emailed me a list of car dealerships that they deal with. They told me when I decide which dealership, I'm going with to make sure that I tell them to go under XXXX. On XX/XX/XXXX, I saw a car I like on XXXX XXXX in XXXX PA website, so I called and talk to someone about the car and told them that I want to go under my XXXX XXXX XXXX. I made sure I told them to go under XXXX. I gave them my information and they told me that they get back with me. Well, the next day I seen that they went through six finance companies without my permission and never went through my Credit Union under XXXX. When I reach out to them about the problem the lady I talk to ( I believe her name was XXXX ) told me that my Credit Union wasn't under XXXX it was under something else ( I can't remember the name she said ) that's probably why they didn't see it. I ask her if she could take them off my credit report and she said that they don't have the ability to do that for me to call the credit bureaus. I called the credit bureaus and explained to them and all 3 said that the car dealerships have to call and take them off my credit report. I called XXXX again and she said okay that she talk to someone about it. I haven't heard from them or seen anything taken off my credit report. When I called again, she told me they can't take it off I have to talk to the credit bureaus. I wrote a letter on XX/XX/XXXX, to all 3 credit bureaus and letting them know what happen and what I want taken off, but I never got a response. Can you please help me with this. 
This what I wrote to you like XXXX months ago and you said you couldnt help because you couldnt find the company. I believe I gave the address and phone number to you. Hopefully you can help me with the credit bureau. I call couple of times and sent in a few letter to get the items off my hard inquiries. They saying ( TransUnion and XXXX ) to call each financial company thats on my inquiry and get a letter saying that its not mines. I dont know why I have to go through this. Where is my rights at. Can you please help ATTACHMENTS
Consumer complaint received 2023-09-06
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc. (OH)

I tried to work with the new company that took my loan. When I was under XXXX they kept telling me the defer or forbear my loan instead of being put on IDR. I don't remember dates. I'm just tired of feeling like my complaints are going nowhere.
Consumer complaint received 2023-03-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (AL)

I went to the mortgage company website on XX/XX/2023 to make a one-time principal payment ( {$7200.00} ). When they processed my payment, they took out interest. I had already made my monthly payment on XX/XX/2023. I tried to rectify this with the mortgage company. They initially said wait 24 hours for the correction to their error. I did wait 24 hours and now they're they are telling me 3-5 more business days. That unacceptable. They already have my money ; they mis-applied the payment. That not a XXXX day fix.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

UPDATE TO CLAIM XXXX -- -- -- UPDATE TO CLAIM XXXX -- -- -UPDATE TO CLAIM XXXX TRANSUNION is an elaborate mechanism as CONGRESS defined it under 15 USC 1681 ( 2 ) ( 3 ) who has ASSUMED its role to acquire and assemble my private personal identifying information against my Federal Right to privacy under the PRIVACY ACT OF 1974. TRANSUNION has committed identity theft under 18 USC 1028A as well as has acquired my social aka credit card to furnish a credit account with a fictitious score without my written consent as CONGRESS REQUIRES under 15 USC 1681b. TRANSUNION has been put on NOTICE of these WILLFUL VIOLATIONS and has been given 30 days to perform accordingly in good faith and remove the demanded accounts from consumer report as CONGRESS demands under 15 USC 1681a ( 2 ) ( i ) and 15 USC 1681c. TRANSUNION was also put on NOTICE for damages accrued by me due to these WILLFUL VIOLATIONS in the form of XXXX XXXX XXXX XXXXXXXX and inability to exercise my right to credit within the banking system for personal and household needs due to the false adverse accounts illegally reported on my consumer report. TRANSUNION performance in bad faith has caused me to be discriminated against because I have been denied a right to credit which is my GRANTED RIGHT and HAVE BEEN DENIED CREDIT. TRANSUNION is now directly in violation under the EQUAL CREDIT OPPORTUNITY ACT as well under TITTLE 18 USC 242 as well under 15 USC 1681q and 15 USC 1644 for acquiring my private information including my credit card defined under 15 USC 1602 to furnish a credit report that goes against CONGRESS requirements to coerce money in the amount via a subscription payment. TRANSUNION is also in contradiction of the IRS definition of Charged Off debt and the manner in which it should be described as INCOME and NOTHING ELSE. TRANSUNION is in fact reporting charged off accounts that are considered as income by the IRS which IS NOT REASONABLE and a direct violation under 15 USC 1681e ( b ) and 15 USC 1681i. TRANSUNION has been put on NOTICE AND IT HAS BEEN XXXX DAYS AND TRANSUNION HAS NOT RESPONDED TO I THE CONSUMER NOR THE CFPB FAILING TO ADDRESS THE MATTER IN A TIMELY MANNER and must remove the accounts regardless.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-01-23
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. (PA)

FCRA Violation : address not mine XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX FCRA Violation XXXX real estate never late XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FCRA Violation : other account not mine XXXX  FCRA Violation : hard enquiry not mine XXXX
Consumer complaint received 2023-12-09
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: Experian Information Solutions Inc. (VA)

I was signing up for Experian XXXX to hopefully raise my credit score. They kept asking for names of other financial institutions where I have accounts. I gave them access to XXXX XXXX XXXX, and they omitted XXXX accounts that have {$60000.00} dollars in them.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have identified that there are unauthorized inquiries on my credit report. The listed inquiries on the letter was without authorization, and for no legitimate business purposes. 

Please delete these inquiries from my credit report. For the company to do what fair and equitable to me as a consumer by deleting the items identifies as Identity theft from my consumer report.
Consumer complaint received 2023-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (CT)

UPDATE TO CLAIM XXXX -- -- UPDATE TO CLAIM -- XXXX -- -- UPDATE TO CLAIM -- XXXX Wells Fargo has acquired my social ( credit card ) as defined under 15 USC 1602 to conduct a consumer credit transaction where I applied for an extension of my own credit but received no benefit and instead have been unlawfully denied. Wells Fargo still holds my identifying information like my social and has not performed its duties accordingly being in direct violation under 15 USC 1644 for in fact Wells Fargo has obtained my credit card for the sole purpose of extending to me my own credit via a FINANCE CHARGE but has denied me my Right to credit causing me harm and mental anguish and a lose of confidence in the banking system. This is a direct violation under 15 USC 1691 which clearly states -- -- -- ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction -- - ( XXXX ) because the applicant has in good faith exercised any right under this chapter. -- -- -- -Definition of credit under 15 USC 1691a clearly and directly states -- -- -- credit ( d ) The term credit means the right granted by a creditor -- -- -- -Definition of creditor under the same provision -- -- -- -- -creditor ( e ) The term creditor means any person who regularly extends, renews, or continues credit ; -- -- -- -- -Definition of person under the same provision -- -- -- -- person ( f ) The term person means a natural person, a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association. -- -- -- -- -- -- I the natural person have attempted to exercise my RIGHT to credit using my credit card to create an extension of credit via a consumer credit transaction creating a FINANCE CHARGE with Wells Fargo and have been denied that RIGHT. Wells Fargo instead alleges their COMPANY POLICY GRANTS THEM THE RIGHT TO DISCRIMINATE AND SEVERLY HURT A CONSUMER which is false and deceptive for policy does not XXXX Federal Law. Wells Fargo has obtained something of value for the purpose of money and has not performed in good faith denying a Federally Protected Right and is now also in violation under Tittle 18 242, 18 USC 1028A.
Consumer complaint received 2024-04-05
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. (FL)

Dear CFPB, I am writing to file a formal complaint regarding fraudulent reporting of an account on my XXXX, XXXX, and Equifax credit reports by XXXX XXXX XXXX. Upon scrutinizing my credit reports, I discovered an erroneous listing of an account attributed to XXXX XXXX XXXX that does not pertain to me. This inaccurate reporting not only damages my credit history but also violates my consumer rights to privacy and accuracy in credit reporting. 

Under the stipulations of 18 USC 8, I affirm that I do not owe any debt to XXXX XXXX XXXX. Therefore, the inclusion of this account on my credit reports is not only unjust but also illegal according to federal law. I raise doubts about the validity of their claim and demand immediate removal of this erroneous information from my credit reports to rectify the harm inflicted upon my creditworthiness and reputation. 

I expect prompt action to address this issue and restore the accuracy and integrity of my credit reports. Failure to do so will compel me to escalate this matter to the appropriate regulatory authorities and legal entities. I implore you to treat this matter with the seriousness it deserves and to address it promptly. 

Kindly acknowledge receipt of this complaint and provide a timeline for resolution. You may contact me using the information provided below. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2022-12-07
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. (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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-11
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: Experian Information Solutions Inc. (NV)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-09-06
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. (WA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$9100.00} XXXXXXXX XXXX XXXX Balance : {$9100.00} XXXX XXXX XXXXXXXX Balance : {$9100.00}
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.