davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-08
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. (CA)

On XXXX. XXXX, 2017, EQUIFAX reported a breach of their cyber security during which time they believe my data, including personal records like social security number, credit reports, addresses, phone numbers, and more, were accessed. When I used the tool they provided to check on whether my account was compromised, the tool indicated that it was but did not offer a remedy.
Consumer complaint received 2023-06-02
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. (LA)

This is XXXX XXXX XXXX please 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 2022-11-02
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. (FL)

When I reviewed my credit report, I discovered that some of the information was 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 investigate and correct 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-08
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. (ID)

I have potentially been impacted by the hack that took place in XXXX to XXXX of 2017 on Equifax, the credit reporting bureau. I 've not seen anything that indicates ( yet ) that my information has been used, but the information is potentially out there because of Equifax not securing my data. My biggest concern about this is the fact that Equifax knew about this potentially in XXXX and did nothing to let consumers know.
Consumer complaint received 2023-06-02
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. (IA)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actionXXXX XXXXe been hurting my credit scores immensely. Please see below the items I am concerned of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-02
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. (FL)

When I reviewed my credit report, I discovered that some of the information was 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 investigate and correct 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-14
Product: Credit card or prepaid 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 (NY)

Everytime that I used my card to make a purchase while overseas and or repeating usage with same merchant, and or a foreign company with offices either in the USA or abroad, they deny the charge for my security and precaution, I have spoken to customer service in the past and they committed to stop these action and asking for verification each time and will let the charge go thru. However they never did anything, this morning I made a charge on XXXXXXXX from my computer online, and they rejected the charge, sent a message if indeed I did it, I said yes, however I lost the purchase and the merchant suspect fraud, now the merchant will not accept my card, and the items cost way more. 

At this point CapitalOne is harassing for charges made overseas, this was a charge for under {$50.00}, its no longer a issue of security since I asked several times, I charge oftern overseas and the amounts were {$50.00} I dont want this harassment and so called protection, they are not protecting me but hurting. 

At least they should be for damages,
Consumer complaint received 2023-06-04
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. (GA)

I have requested for the last year to TransUnion to remove the inaccuracies showing on my credit report with no success. Please see below request and information regarding the inaccurate information being reported. 
XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Dear TransUnion, I am writing to dispute the following information that appears on my TransUnion consumer report : Dispute XXXX XXXX XXXX XXXXXXXX XXXX Account # - XXXX Open Account Date Opened- XX/XX/XXXX Balance - {$450.00} I do not recognize the account in question. I have no knowledge of this account or company. Please update and remove this account from my report. 

Dispute XXXX XXXX XXXX XXXX XXXX Account # XXXX Collection Date Opened XX/XX/XXXX Balance- {$2300.00} I have no knowledge of this account or company. Please update and remove this account from my report. 



Dispute XXXX XXXX XXXX  Account # - XXXX Date Opened XX/XX/XXXX Closed/chargeOff/ REVOLVING Balance - {$0.00} Please remove these Charge Off accounts on my report. 

Dispute XXXX XXXX XXXX XXXX Account # - xxxxxxxxxxxxx XXXX Date Opened XX/XX/XXXX Paid/Closed Balance- {$0.00} Please remove these PAID_AND_CLOSED accounts on my report. 

Dispute XXXX XXXX XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX Charged Off Balance - {$500.00} Please remove these Charge Off accounts on my report. 

Dispute XXXX XXXX XXXX XXXX Account # - XXXX Date Opened XX/XX/XXXX Charged Off Balance - {$240.00} Please remove these Charge Off accounts on my report. 


Enclosures : Copy of Driver License Current Bank Statement as Proof of address Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-11-02
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not update these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-05-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I am submitting this complaint because I am being extremely affected by BANK OF AMERICA. They are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

My account in this matter is the following : Account Name : BANK OF AMERICA, N.A. 
Account : Number XXXX Account : Type Auto Loan Responsibility : individual Date Opened : XX/XX/XXXX Status : Open. 

I made double payment in XXXX. 

I was affected by Covid19, I've had some difficult times, I feared for my life. I think we can continue to have good relations, I'm just asking the company to deletion the XX/XX/XXXX late payment. 

These years have been difficult, the country 's economy has not been the best but I have tried to pay on time. 

I would be happy Bank Of America takes into consideration my request. 

I have a good payment history. 

Thank you!
Consumer complaint received 2017-09-08
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. (CA)

On Friday, XXXX XXXX 2017, I visited equifaxsecurity2017.com to discern if I was affected by the recent information breach. The website confirmed that my information has been compromised and directed me to return at a later date to enroll in their Id protection. Equifax has mishandled my sensitive personal information and exposed my family and myself to identity theft.
Consumer complaint received 2017-09-08
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. (WA)

My personal information - everything an identity thief would need to open accounts in my name - was affected by the Equifax data breach and is now, effectively, public. Rather than promptly informing consumers of the breach as soon as it was discovered, Equifax waited six weeks to publicize what happened - perhaps so its executives could sell off stock before the predictable price drop. Furthermore, Equifax has not even notified affected consumers directly, except for the minority whose credit card information or other documents were also stolen. Equifax 's negligent security practices are all the more galling given that consumers can not reasonably opt out of credit reporting to Equifax.
Consumer complaint received 2021-05-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

I, XXXX XXXX, the mortgage holder of # XXXX at property XXXX XXXX XXXX XXXX ca XXXX am writing you regarding phh XXXX refund owed to me. My account was paid in full XX/XX/2021 and a check of {$6200.00} was sent to me due to escrow overage. I requested they return money to sender which they did because i did not refinance my loan and under impression only i could do that. So phh XXXX  did claim to return money and stated i could not cash check if i was requesting money be returned. However phh XXXX once again excepted payoff under my name and account and i have not received a resending of the {$6200.00} escrow overrage i was entitled to nor a payoff letter of when mortgage was repaid in full or that my case is now closed. I am request phh mortgage resend my refund of {$6200.00}. Send me letter of date and amount paid off and that my account is now closed.
Consumer complaint received 2021-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

Company : XXXX XXXX XXXX Mortgage ( XXXX  ) XXXX  XXXX XXXX Mortgage is maliciously and fraudulently reporting a 90 day on all three credit bureaus. I opened a mortgage in XXXX with XXXX and paid in in full in XXXX of XXXX. The account has been closed for nearly 6 years. My XXXX, XXXX, and XXXX  reports all show a 90 day late entry for XX/XX/XXXX. 

I have written several letters to XXXX and the Credit Bureaus disputing this 90 day entry. Letter correspondence was sent in XX/XX/XXXX, again 90 days later XX/XX/XXXX regarding this inaccuracy and no response was received. 

on XX/XX/XXXX I opened a complain with XXXX XXXX directly which has not been assigned to any one in the mortgage division to investigate. They told me it would be 10 more days before someone would be assigned. 

XXXX XXXX is in violation of the following sections and subsections of the Fair Credit Reporting Act. 
PART 1022FAIR CREDIT REPORTING ( REGULATION V ) Subpart EDuties of Furnishers of Information. XXXX Reasonable policies and procedures concerning the accuracy and integrity of furnished information. XXXX ( e ) Duty of furnisher after receiving a direct dispute notice. 
List of violations and reference to codes 1. Supplying information to a CRA that it knows XXXX or should know ) is inaccurate ( XXXX ) 2. Failure to conduct a reasonable investigation of a dispute ( XXXX ) 3. Failure to notify you when it supplies negative credit information to a CRA XXXX XXXX ) 4. Failure to notify you of your right to dispute inaccurate credit information ( XXXX ) 5. Failure to correct or delete any inaccurate, incomplete, or unverifiable information within 30 days XXXX or 45 days in some cases XXXX of receiving notice of your dispute ( XXXX ) These violations of the provisions of the FCRA, caused financial harm to me as it has caused denial of credit and higher interest rates. Attached is a copy of a summary report showing all three bureaus reporting the 90 days late in XXXX, and that the account was closed and paid in full in XXXX. There is also a note that shows the account was in dispute in the attachment and that the dispute was resolved by furnisher which further proves violation of Regulation V, E, 1022.42 and 1022.43
Consumer complaint received 2023-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was approved for a rental program called XXXXXXXX XXXX. I received checks in the mail that were to be used for rent payments and deposited them into my Capital One account. On more than one occasion these checks were deposited without issue. My last deposit though was kept from me. Capital One refused to return the funds to the program that was assisting me so that I could have them reissued and also refuses to release the funds to me even though I have sent in documentation and the funds were released in the past. The check has been held in my account since XXXX of last year. This is an obscene practice and modern day theft.
Consumer complaint received 2021-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Hello, Sometime ago I submitted a request to have a bankruptcy filing which I was advised by my attorney to file due to an illegal foreclosure. Unfortunately my initial mortgage was with XXXX Bank and after a couple of years I took advantage of the federal Making Your Home Affordable Act. XXXX had me withhold payments for almost a year while they processed my application. I was approved and made all of payments at the new rate for almost 8 months when my mortgage was sold to XXXX XXXX XXXX. XXXX never transferred the paperwork for the new rate so XXXX XXXX demanded all payments which XXXX had me withhold and raised my payment amount to the original loan amount. Eventually XXXX Bank had to settle with mortgage borrowers for mishandling paperwork for which I received a paltry settlement in the HARP class action lawsuit. Both XXXX and XXXX XXXX also had to remove any derogatory credit information, but this didn't include bankruptcies their clients were forced into due to their actions. My credit record was fine before this illegal action by these banks and I would like to be made whole again by having these bankruptcies removed from all three credit bureaus. Thank you.
Consumer complaint received 2022-11-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation (CA)

On XX/XX/2022, applied for a personal loan through the www.onemainfinancial.com website in the amount of {$1500.00}. After entering my personal information credit was ran and pre-qualified for a 'secured ' loan for up to approximately {$7000.00}. The secured loan turned out to be a Title Loan, sort of a refinance with cash-out, similar to a refinance on a home loan refinance. 

The insane part was that after calculating all the costs the representative came up with an interest of up to 30 % if they were to payoff my car loan with my current lien holder and provide me with the cash out of {$1500.00} that I applied for. My current interest rate is at 4.33 % with my current lien holder, no reason to change that to a 30 % interest for just {$1500.00}. Of course I declined the offer without even considering their approval. 

This is a despicable for some one who just needs an extra cash of {$1500.00}. 

The branch that handled the call is located at XXXX XXXX, CA XXXX, phone number ( XXXX ) XXXX.
Consumer complaint received 2021-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (CA)

I've reached out to this company about debt that they saying I alleged owe. They are reporting false information to the credit bureaus. This account is reporting duplicate on my credit report and that's illegal by law and caused severe XXXX upon me and my health. They saying it was sold or transferred but it still show up along with the company they sold this debt to which is XXXX XXXX
Consumer complaint received 2021-05-14
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: Experian Information Solutions Inc. (OK)

Transunion is reporting fraudulent inquiries on my credit report. I gave no written consent for these inquiries to be furnished and id like them removed. 
1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX  XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX 8. XXXX  XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2021-08-03
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. (PA)

On XX/XX/21 I sent out dispute letters to the three credit agencies, Experian, XXXX, and XXXX. I disputed multiple Unverified accounts that were negatively impacting my credit score preventing me from positively using my credit and I feel as though their not taking my dispute seriously. It's been 43 days now which is almost 2-weeks past the 30-days for them to notify me my results regarding this investigation. I called each agency several times to try to resolve the issue and each time was unsuccessful. I strongly feel as though that my rights have been violated from these agencies.
Consumer complaint received 2017-09-08
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)

On XX/XX/XXXX, I became aware of a data breach of Equifax Credit Reporting Company. I went to Equifax 's website in order to figure out if I was affected by the data breach. I was given a date ( XX/XX/XXXX ) to check the website in order for Equifax to alert me if my data and personal information was breached and stolen. 

I checked back today ( XX/XX/XXXX ) and entered my information into the same website on Equifax. The website then stated that my information was stolen or affected by the breach. I wanted to file a CFPB complaint due to Equifax 's negligence in allowing my information to be compromised. I also wanted to make sure that I made a documented effort to rectify the situation, despite Equifax 's negligence and all around ineptitude to prevent this situation.
Consumer complaint received 2023-07-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (TX)

I do not believe this debt belongs to me. I am not sure where this debt came from. The statement on my credit report says that the original creditor is APP XXXX but that company does not exist. I would like to be sent an itemized copy of this bill as well as the actual name of the company who charged me if in fact it does belong to me. I have disputed this and asked for an itemized bill before, but they sent me an automated message back saying that it was verified, but didn't send me what I asked for. I have looked at my insurance portal and this isn't an amount that matches what they say I owe. The date that the collection came on my credit report is XX/XX/2023. The only thing close to that is a service date of XX/XX/2023, and that wouldn't have even been run through the insurance company, much less been submitted for collections.