davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-17
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. (CA)

My credit report is showing late payment on XXXX XXXX / XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX / XXXX customer service representative.
Consumer complaint received 2021-02-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (MD)

Multiple attempts via emails and their website contact page to get information, resolve, etc, have been ignored. I have sent 5 emails, and sent 3 website inquiries starting XX/XX/2021. 

Their lack of response, and continued aging of the account has caused damage to my credit report, and reputation
Consumer complaint received 2023-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BOK FINANCIAL CORP (NJ)

On XX/XX/2023 XXXX XXXX XXXX was paid by credit card for XXXX different toll transactions. However, we were charged for XXXX. We first started the dispute process with XXXX and was told that they only showed the XXXX transactions. BOK was then called on XX/XX/2023 to start the dispute process for the credit card charges. I was told by BOK representative that we would receive a letter with the case number. On XX/XX/XXXX I called back and let them know we never received the letter. They told me that it was still under investigation and they had 90 days to complete it. XX/XX/XXXX I called again and the case had been closed with no reason behind it. A new case was started and I received the letter on XX/XX/XXXX with the case number. It is now XX/XX/XXXX and I once again had to call BOK for an update. They again closed the case stating the charge was too old to dispute.
Consumer complaint received 2018-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NY)

I have previously tried to get Fair Collections & Outsourcing to make sure they updated my credit reports properly, but they have not done so, and have caused me to be declined on a new rental application as such. I am trying to remedy to situation, and need someone to help me make sure they are providing the correct information to XXXX, XXXX, and XXXX  because its been negatively affecting my credit for over 4 years now.
Consumer complaint received 2022-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had credit card with Capital one. I authorized them to take a $ XXXX from my checking account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) towards my balance and minimum payment. I paid off my credit card and closed the account in XXXX. Shortly after i noticed capital one deduction still active and deducting $ XXXX. I contacted them and ask to stop the deduction as i dont owe anything and credit my checking. After a year, they denied taaking any money and asked XXXX to contact them and send them detail statement of these deduction. XXXX  fax the necessary documents to them but they continued with the deduction. I was forced to close my account to stop the deduction. Total of {$1500.00} was deducted. Capital one send me a letter saying they tried to credit my checking account but were unsuccessful because the account was closed. Once again XXXX send the information about the new account number. I have not received any credit from Capital one and they are telling me they closed the cased. I decided to further investigate my accounts. I requested statement from XXXX to the closing date from capital one and XXXX. I found out the $ XXXX was not applied to my credit card beside couple of months. Over {$1300.00} deduction was never applied to my payment that they Capital One had taken from my checking account. furthermore this had cause a lot of late charges and finance charges on my credt card. I had XXXX fax the detail documents to Capital One and undortunately still no resolution. They owe over {$2500.00} in cash for withdraws from my checking as well as finance charges and interest charges.
Consumer complaint received 2023-08-17
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. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-01
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. (MO)

According to The Fair Credit Reporting Act of 1970 - 15 USC 1681b - Privacy Act of 1974 - Family Educational/Privacy Act 20 USC 1232g - 34 CFR Part 99 - 15 USC 6802 and 16 CFR 313.7 I have asked XXXX XXXX XXXX Equifax, and XXXX to honor these regulations and codes. My correspondence is being completely ignored. I am in the process of creating debt security disputes and settlements in relations to the Securities Exchange Acts of XXXX for several credit accounts. Also, my personal information is outdated and erroneous. I have asked for removal of non-mailable addresses, erroneous names and social security numbers to be removed to no avail. I choose to opT OUT of credit reporting practices unless notified by me, in writing. I sent Certified Mailings and have received no proof of mailing. I am considering mail fraud charges for all 3 credit bureaus. Acting on my behalf by disclosing my personal information, without permission is one definition of identity theft.
Consumer complaint received 2023-07-28
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. (OR)

Equifax is reporting XXXX XXXX on my credit report even though it is more than 7years old and has already been removed from XXXX  and XXXX
Consumer complaint received 2021-03-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (CA)

In XX/XX/XXXX, we put our mortgage into a COVID forbearance plan with US Bank. In XXXX of XXXX, we contacted US Bank to find out what we needed to do to start paying our mortgage again and refinance. We were instructed that we needed to make three consecutive payments and could then apply for the refinance. We then made XXXX, XXXX, and XXXX payments. In XXXX we applied for a refinance and were told that we had to actually remove our account out of the forbearance plan and then make three payments. We lost out on the low interest rates which was very devastating. In XX/XX/XXXX, we completed a Payment Deferral Agreement with US Bank to remove our account from the forbearance plan and they confirmed it was received XX/XX/XXXX. I spoke with a Relationship XXXX from US Bank and they stated that is was being processed and would be effective XX/XX/XXXX. I called back on XX/XX/XXXX to confirm everything was processed and spoke with US Bank employee XXXX id # XXXX, at which time he stated that the account had been removed out of the payment deferral plan inadvertently. He was going to have a XXXX contact me to let me know what happened and how we correct it. I did not hear back from anyone so I called back on XX/XX/XXXX and spoke with XXXX id # XXXX, she stated that someone from the bank had made an error and removed us from the deferral plan. She stated that she would get it reversed and submitted to Underwriting for approval immediately. She stated that that process takes 72 hours and she would follow up with me by XX/XX/XXXX. I had not heard back from her so I called on XX/XX/XXXX and spoke with XXXX. She stated that it was still with Underwriting and she expected to hear from them in the next day or two. I have not heard back from her and have tried on three attempts to contact her directly with no avail. I called XX/XX/XXXX and asked to speak to a XXXX. I spoke with XXXX id # XXXX. He stated that the above information that I was given was correct but still could not tell me the status on the account. He could not confirm that we had been reinstated into deferral plan, he could not instruct me on whether or not to pay or XXXX mortgage payment, I can not seem to get anyone to tell me the status of the account. I am not sure where we stand, no one from the bank is calling me back or following up. This has been the most unprofessional and misinformed experience I have ever had. I have spent hours, upon hours on the phone with various representatives and been given different answers and lost out on a huge monthly savings on my mortgage with the refinance because of this misinformation. I just want my account back in the deferral payment plan and move on from this. This forbearance plan was intended to help people through the pandemic and this has done nothing but cause problems because of US Bank 's lack of knowledge, follow through, and professionalism.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am filing a complaint to in ensure that TRANSUNION receives my dispute regarding inaccurate accounts on my consumer reports and I want to make sure that they do not stall by asking for unnecessary additional info push my dispute letter back a few weeks. I want all accounts to be reinvestigated. Supporting documents will be attached to this complaint.
Consumer complaint received 2022-12-08
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. (CA)

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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX : {$1700.00} ; XXXX XXXX XXXX XXXXXXXX Balance XXXX {$1700.00}
Consumer complaint received 2018-12-12
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (WA)

I represent a homeowner in applying for a short sale, retention options and have a bonafide offer on the homeowners property. I original application process started in Late XXXX on 2018. I submitted the application and followed up several different times before the set auction date for the end of XXXX. In Late XXXX I was told that the application was not complete and needed to submit 2 consecutive paystubs, an updated RMA, and XXXX which I faxed into Carrington Mortgage on the XXXX and XXXX of XXXX. I followed up the first week of XXXX on Tuesday but their loss mitigation department was closed, so I called again on the XXXX of XXXX to find out that they had closed our file out. The representative told me that they had not received the requested documents, I asked the agent which documents they had not received because on two other occasions they had said the same thing but I had proof that the files had been faxed and received in PDF format from my email. The agent said that they were missing the paystubs that they had requested and also the XXXX which i also had proof that they were sent on the XXXX and XXXX of XXXX. I asked that they again review the files that I had already sent several times and set the file back up as being completed. At this point the seller is in jeopardy of losing her home to a foreclosure instead of being reviewed for retention options and a short sale.
Consumer complaint received 2024-04-01
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. (OR)

I never gave authorization for these inquries they were made by fraud or misuse or abuse of my report by creditor. There is no permissible purpose and its invasion of my privacy. they are in violation of several federal consumer laws. I demand these unauthorized inquires be removed from my account
Consumer complaint received 2023-08-17
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 reviewed my consumer reports and noticed that I had fourteen late payments on the below accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts that are listed below. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER LATE. Thanks... 

If, any reinvestigation under paragraph ( 1 ) of any information distributed 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... 

( 1 ) 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 investigation ; and Account Name : XXXX Account number:XXXX Date opened : XXXX XXXX  Last reported date : XX/XX/XXXX  Last active date : XX/XX/XXXX  XXXX
Consumer complaint received 2023-08-17
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. (TX)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2018-04-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I used to bank with bank of America 15 years ago, someone must have got a hold to my personal information. Because I do not owe them only closed my account with them thats it. And im calling them to tell them and they are not sharing no information with me that is so crazy, thats why a lot of people are leaving them
Consumer complaint received 2023-08-17
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)

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. 
 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX  Balance: XXXX XXXX XXXX XXXX  Balance: XXXX XXXX XXXX XXXX XXXX Balance: XXXX XXXX XXXX XXXX XXXX  Balance: XXXX
 XXXX XXXX  BalanceXXXX XXXX XXXXXXXX XXXX XXXX  Balance: XXXX XXXX XXXX XXXX XXXX XXXX, CA 9XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX
Consumer complaint received 2023-08-17
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-23
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: EQUIFAX, INC. (IL)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 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. 
The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, SC XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX 3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2023-04-11
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX has violated my rights. 

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 an account without my written instructions.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I requested verification for XXXX debt reported on my credit report, and it returned as verified every time. I recently received a letter from XXXX about a credit report mistake. This error cost me a higher interest rate on my vehicles as well as my apartment search denials. I currently seeking a remedy to this in possible other errors