davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (TX)

After paying our mortgage on time for 25 months, we had an automatic payment returned to us. This was due to a new credit card that we decided to use, different from our current process, so I paid it off not knowing the mortgage hadn't been paid yet. So when Flagstar automatically took the money out of the account, we didn't have it all. This, unfortunately, happened XXXX times in a row. It happened a third time but the reason being that the transfer of funds from XXXX account to another didn't happen in time ( within hours ). We were charged a penalty fee for each occurrence. We tried to pay for XXXX but noticed we were unable to pay online. We called Flagstar and they told us that, because of our returned payments, we can only pay our mortgage by mailing in a money order. In the Electronic Funds Act, under Section 'Initial Disclosure of Terms and ConditionsSection XXXX ' it states the financial institution must disclose the terms and conditions of the EFT process. Flagstar does, and I've attached those terms and conditions, however, nowhere does it say that they will remove the ability for a consumer to be able to pay online. We have the money, want to settle everything, have identified the problem and understand how to prevent it moving forward, and have paid penalty fees for it, but now we have to mail in our mortgage payment, via a money order, which increases the possibility of incurring future late charges.
Consumer complaint received 2023-03-03
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Neon Newco Corporation (TN)

Netspend Credit card and saving account. I am the executor of the account. Since XX/XX/22, Customer service told me to file paperwork which I did. Reply by XXXX says will respond in 6 hours - no response. Multiple calls to Customer service yielded requests for different documents each time. Sent docs as requested - same no response. Customer service refused to transfer me to responsible department, and left me on hold waiting for a supervisor only to be hung up on after 45 or more minutes. It has been months since original call and company has consistently given me no response.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a 47.6k purpose.
Consumer complaint received 2023-09-14
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$210.00} XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$230.00} XXXX XXXX Balance : {$130.00} XXXX XXXX Balance : {$1000.00}
Consumer complaint received 2024-03-12
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: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have inaccurate information on my credit report. This is a violation of my rights and i am distraught.
Consumer complaint received 2023-09-14
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I have a capital one credit card. recently they brought Walmart ( and I also had a Walmart card. I cant afford 2 payment s to them so Im trying to close the Walmart card. They keep saying the Walmart card is closed but the money hasn't been taken out of the bank yet. My husband ( XXXX XXXX XXXX ) paid the Walmart/Capital One card off for me XX/XX/XXXX. He only had that money there to " pay off " my card. He has been continuously trying to close his account but the bank wont let him because he still has funds in the account thats intended for Walmart/Capital One. They also sent a letter to the credit reporting agency on XX/XX/XXXX saying I was late which affected my credit negatively. I need a letter to show this information was false from them. They say it was an accident but they refuse to email me a letter saying this account was paid off on XX/XX/XXXX ; so therefore I couldn't be late on a closed account that was paid off. They absolutely REFUSE to take the funds for the pay off. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind.
Consumer complaint received 2024-03-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (PA)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

You've consistently reported these accounts incorrectly for several months now! The following accounts are being reported incorrectly, even in the comments section. These account numbers erroneously reported as late payments and it's infuriating how you keep reporting inaccurately. According to our compliance protocol, it's imperative that you promptly delete them. Please note that this isn't a matter of correction but removal. I've raised disputes regarding this matter multiple times, and you must remove these erroneous accounts.
Consumer complaint received 2023-08-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I signed a lease without visiting the property. In the process, I sent {$1500.00} which included a background check, security deposit, and first month 's rent. When the time came they didnt own the property, they tried to get more money out of me and after being unsuccessful blocked me. I used XXXX to send the money. All transactions took place on XX/XX/2023. I contacted capital one and field claims and the claim came declined. In the phone call, I told them I had definite proof of the scam. I was told Id get an email where I would eventually send the proof but they didnt ask for any proof and only sent a decline of the case.
Consumer complaint received 2023-08-25
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: FIRST PORTFOLIO SERVICING INC (CA)

I viewed my reports and noticed items that weren't mine. I haven't applied for credit with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to convey my disappointment regarding your recent claims concerning my accounts. I AM FIRMLY REJECTING THESE CLAIMS ON THE GROUNDS THAT YOU LACK ANY SUBSTANTIAL MATERIAL FACTS OR EVIDENCE TO SUBSTANTIATE YOUR ASSERTIONS. Consequently, I strongly urge you to initiate a comprehensive and immediate investigation into these matters. Your recent claims have cast a significant shadow over my financial standing and have the potential to inflict severe harm on my creditworthiness. It is of utmost importance that we expediently and accurately address this situation to prevent any further repercussions. Moreover, I MUST EMPHASIZE THAT I VEHEMENTLY REJECT YOUR POSITION TO DECLINE MY IDENTITY THEFT CLAIM!!! The authority to determine whether I have been a victim of identity theft rests not with your organization but with the established legal processes. XXXX  XXXX. Please delete this account immediately.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently tried to order credit reports for my wife and I and the bureaus are giving us the run around. The reason being is the credit bureaus are playing fast and loose with our consume scores. We recently paid of all of our revolving debt. Based on risk management software I understand and predict a scoring model because I understand large language models. Our score a much higher that indicated by Trans Union, XXXX and XXXX.
Consumer complaint received 2020-03-16
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: Credence Resource Management, LLC (TX)

credence resource mana
XXXX date XX/XX/2019 account XXXX  
XXXX XXXX XXXX
XX/XX/2019
XXXX/XXXX XXXX  
XX/XX/2019
XXXX/XXXX XXXX XXXX
XX/XX/2019
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (NY)

I am writing to dispute the validity of the debt referenced in a notice I recently received.

My understanding is that the name in your notice, written in all capital letters, does not represent me as an individual. Instead, it represents a separate legal entity of which I am the beneficiary. Consequently, I am requesting a comprehensive investigation into this matter.

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to request debt validation. I kindly ask you to provide the following : 1. A copy of the original contract with my signature.

2. A detailed account of the debt you claim I owe.

3. Proof that you are licensed to collect debts in my state.

Please suspend all collection activities until this debt is validated. Also, as this account has been reported to credit reporting agencies, I ask you to remove it immediately due to its dubious nature.

If you do not provide these documents within 15 days of receiving this letter, I will expect the account to be removed from my credit report and no further attempts to collect this alleged debt.
Consumer complaint received 2022-12-09
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. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

In XXXX of XXXX XXXX mortgage took away my ability to pay over the phone. This caused me to have to mail the payment to XXXX 's Po Box and the payment was applied late due to processing. I did complain and was told that there was nothing I could do about it and it counts as a 30 day late even though there are 28 days in XXXX. 
In XXXX I still had to mail the payment in which I did so by USPs priority mail. I received a letter from XXXX stating that I had mailed the payment to the wrong PO BOX and it provided me with the correct PO BOX to mail future payments too. the letter was dated XX/XX/XXXX however I still received a 30 day late on my credit report. This caused my XXXX refi to not go through because it shows two thirty day late charges. XXXX has refused to remove the charges and I can not continue to pay a 5.25 % interest rate which I have been paying since XX/XX/XXXX.
Consumer complaint received 2023-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (WA)

I can not access my account so i made a call on XX/XX/XXXX to Citibank customer service, it turns out my account is being flagged for fraud. I called Citibank fraud department, they said the only way to remove the fraud is to wait for a letter in the mail that could take 7 to 10 business days to receive. XXXX week passed, I haven't received the mail so I made another call to fraud department to check, I got the same response which is to wait for the letter in mail which they will resend. Another week passed, I still haven't received the letter, I called again on XXXX, they told me the letter was sent XXXX, I need to wait for at least XXXX business day before I follow up with fraud department, or I can stop by XXXX XXXX myself to track the mail which they don't even provide me with any information such as tracking number to check with XXXX XXXX staff. I called again on XX/XX/XXXX and asked them to help investigate why the letter is not received, they just kept saying they can not do anything but to resend the letter again. It has been XXXX weeks since I reported this issue to Citibank and several calls been made to follow up. Now I have several bills overdue and I am still not able to access my account while Citibank fraud department keeps asking me to wait for the letter without knowing why the letters wasn't delivered, it's the XXXX letter they are sending
Consumer complaint received 2023-09-14
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (NY)

I have had a Netspend account, which my direct deposit payroll goes into. XXXX day out of no where my account balance was XXXX, all my pay/funds GONE and stated for account recovery. I had NO warning/notice, Nothing. I called Netspend and they would not return the funds, Told me it was taken for accounts ( I could NOT verify due to them being years ago, and not even knowing what accounts/cards they were ). However they stated my social was linked to previous Netspend cards with negative balance so they were taking my money from my current account ( Which is not only MY account, it is my fiancs as well and they just took all the money in the account ). Refused to refund/unlock my account, and told me any further funds into the account would also be taken until the ( UNABLE TO TELL ME amount for XXXX or more old previous accounts was paid off ). I have received nothing at all from NetSpend in regards to paying these accounts/debt, and do not believe they can just take my funds like that and not let me dispute it, Not return my funds, and also lock my account until they get all the money back they want. My kids have suffered due to this XXXX, and I will NEVER use NetSpend again nor recommend them to anyone. And they should have to give my funds back that they with NO notice/NO rights took my money for recovery, and then told me my card/account would remain blocked until further funds were taken to obtain my debt to them on a prepaid card, and knowing nothing of this to my knowledge.
Consumer complaint received 2023-11-04
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2023-08-02
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 ACCEPTANCE CORPORATION (NJ)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore and such debt, in fact therefore exists.
Consumer complaint received 2023-09-14
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)

This is my seventh endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX