davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, 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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX fl XXXX, XXXX XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-13
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. (MS)

VIN : XXXX XXXX XXXX XXXX XXXX Account Opened : XX/XX/XXXX Amount Financed : {$38000.00} Monthly Payment : {$800.00} Reported Outstanding Balance at Date of Loss : {$32000.00} Vehicle Totaled : XX/XX/XXXX XXXX Paid : {>= $1,000,000} Gap Paid : {$1900.00} XXXX XXXX Showing Outstanding Principal Balance : {$8600.00} XXXX XXXX has falsely and inaccurately been reporting to all three credit bureaus that I have not paid any payments at all on the loan and still currently reporting that the loan is late by 60-90 days. It also shows that the balance is higher than the amount that was financed at the date of purchase, which is incorrect. I have made all required payments less than the 4-5 payments that were deferred. Even after XXXX and XXXX made their payments, XXXX XXXX has failed to update the account to reflect any payment received and the updated status of the account. XXXX XXXX XXXX XXXX is reporting as if I have never made any payments and owe them more than the amount financed, which is damaging and false.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

There is an account on my credit report that should not be reporting due to inaccuracies and unverified information. The account is XXXX XXXX  XXXX XXXX XXXX. I sent a letter 4 months ago to the creditor and they have not responded which is a violation of the FDCPA. The credit reporting agencies are also in violation of the FCRA due to the reporting of unverified accounts. Please see the attached letter that was sent to the creditor which is dated and time stamped. I am requesting the removal of the account immediately due to the company ignoring my requests and many FCRA and FDCPA violations. This should be removed from my credit report within 15 days to avoid further negligence. If this is not removed from my credit report I will proceed with legal action.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Avant Holding Company, Inc. (FL)

I am a victim of credit fraud on three accounts that I did not open. Avant lending, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX applied for in my name and I did not open these accounts. My information was leaked from my email address XXXX. I have sent multiple disputes for each of these accounts. Please delete these accounts from my credit report.
Consumer complaint received 2021-02-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I reviewed my personal credit profile and unknown inquiry was made from this company multiple requests to remove said inquiries or provide documentation of it's accuracy has all been ignore by company. The fraudulent inquiry remains on my credit profile.
Consumer complaint received 2023-06-08
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Since XX/XX/XXXX I have been trying to make a wire transfer or access cashier checks. After at least 12 phone calls Capitol One will not allow me to have access to wire the money or order cashiers checks and the also will not send the money vis phone because I am not sending the money to a title company. I am trying to purchase a house for cash in Mexico but the wire transfer is from a XXXXXXXX XXXX to a XXXXXXXX XXXX. They will not tell me when they will release my ability to wire the money. On XX/XX/XXXX I went into default on the contract I signed and they still will not release my funds. They did allow me to make two {$11000.00} ( {$22000.00} total ) before locking me out. So now there is a very good chance I will lose my money because they are holding my money XXXX with no way for me to access it. I needed to make a {$89000.00} payment that they refuse to release for my protection. I will lose {$22000.00} because they are holding my funds for no reason and will not tell me when they will.
Consumer complaint received 2023-01-02
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. (CO)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-02-05
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation (FL)

In 2020 I was working 2 jobs. One was a XXXX XXXX  in a local XXXX  and one was a XXXX XXXX job in a local XXXX. Once the COVID lockdowns were put in place, I was out of both of my jobs. I asked my lender for a forbearance due to myself having no income. My lender refused, I filed a complaint with the CFPB, complaint number XXXX, and my lender agreed to give me the forbearance in XXXX - XXXX. They then allowed me to extend to XXXX XXXX, 2020. After XXXX they cut me off and refuse to let me extend the forbearance. My income is down due to people still being afraid to go out to eat causing me to get less shifts. I have inquired via internet and VA loans should receive the 360 days under CARES. Thank you.
Consumer complaint received 2023-08-14
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: FISERV INC. (NJ)

Money Network Dispute Claim # XXXX I had disputed a charge against a merchant for {$100.00} upon discovering they charged my other credit card for the same exact thing. This transaction was disputed as Paid for by other means. The bank refuses to credit me for the funds, stating, Based on the results of this investigation, your claim has been denied due to the dispute is considered a civil matter between the card holder in the merchant. They did not provide any reason whatsoever for denying my dispute. And there cant be any valid reason, as I showed them clear supporting documentation of my other bank statement showing the same merchant, the same amount and the same date. I had disputed a couple of transactions in the past, also as Paid for by other means, and provided Money Network with my other bank statement, and they found in my favor. There was no this is considered a civil matter. So why would this one be treated any differently?? Its the same type of dispute, and I showed the same type of documentation.
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX AR XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX AR XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$540.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$1100.00} ; XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX XXXX XXXX Balance : {$720.00} ; XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX ) XXXX Balance XXXX {$690.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX XXXX : {$700.00} ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 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.
Consumer complaint received 2015-10-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (TX)

I initiated a dispute of highly inaccurate information on my credit report on XXXX XXXX, 2015. Since then I have sent over XXXX letters to the credit bureaus to have them do their role and investigate and remove these inaccurate accounts. Nothing has been done and they claim that they verified the following accounts. I know this is a lie, because I am the alleged debtor and the debtor has n't even verified with me that the debt is properly validated. Pursuant to the Fair Credit Reporting Act the credit bureaus must verify with the furnisher of information on record. This has not been done. Please assist me because my family and I are trying to achieve the american dream of home ownership and the credit bureaus lack of response and irresponsibility is keeping my family from achieving this. The following below are the account numbers that are in question. I have also included the last XXXX letters that have been sent over. 

XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. Collections West, Inc. (AZ)

A judgment was rendered and satisfied.    US COLLECTIONS WEST  Address :   XXXX   XXXX   XXXX   XXXX   XXXX  , AZ  XXXX  Phone : (  XXXX  )  XXXX  Is still pursuing additional money, which I strongly feel is NOT due to them after their attorney collected money from me.
Consumer complaint received 2023-02-13
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. (CT)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2021 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible.
Consumer complaint received 2023-01-02
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has XXXX my federally protected consumer rights to privacy and confidentiality under 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 : # XXXX, XXXX  XXXX XXXX : # XXXX, XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (NY)

Spoke to someone for loan depot. Update!!!! Spoke to city of XXXX funny enough loan depot didnt PAY my property taxes of {$4700.00}!!! This is why my escrow went up!!! They were saying our taxes went up now of {$3700.00} which is a lie!! Thats more than 8 % thats illegal!! XXXX put a lean on my house because loan depot did not pay out taxes! This is insane! And they wont even let us pay them ourselves! Literally crooks!! This needs to be rectified I will not stop until it is!!
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

Account Name : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/2019 Amount : {$32000.00} Account Type : Charge Off This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Consumer complaint received 2023-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX.
Consumer complaint received 2023-01-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (FL)

This debt collection Agency Franklin Collection Sv is trying to collect {$260.00} from me. They have never validated the debt with me. They are illegally trying to furnish debt that i do not owe. i do not owe XXXX {$260.00}. I have mailed them a letter requesting that they show proof of a copy of the original contract that i signed, a copy of the payment history, name and address of the original creditor and proof of collection authorization. they can not furnish anything on my credit report without validating any debt with me nor without providing the above information. i will be seeking legal action
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See documents attached.
Consumer complaint received 2021-02-06
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. (AR)

I pulled my credit report from TransUnion on XX/XX/XXXX and discovered under " Special Messages '' a message that said " INPUT CURRENT ADDRESS IS A HOTEL/MOTEL OR TEMPORARY RESIDENCE. '' This is untrue. I live in a single family residence. You can XXXX  the address and see that my home is a single family home. I called TransUnion and asked them to correct this information and was told that it was done. 
I pulled my TransUnion credit report on XX/XX/XXXX and discovered that the message still existed under " Special Messages. '' I again called TransUnion and was told to send a copy of my driver 's license and a current bank statement and the message would be removed. I sent the requested information to TransUnion. 
On XX/XX/XXXX I again pulled my credit report from TransUnion and this information is still being erroneously reported on my credit report. I again called TransUnion and was told to send in a copy of my driver 's license and a current bank statement, even though the person I talked to told me that he could see that I sent this information in last year. I complied with his request and resent a copy of my license and another current bank statement. In the mail today, I received a new copy of my credit report from TransUnion. The Information that my address is a hotel/motel or temporary residence is still on the report. The exact wording now is " FILE CURRENT ADDRESS IS A HOTEL/MOTEL OR TEMPORARY RESIDENCE. '' I have asked that this be corrected three times, beginning in XX/XX/XXXX. Under the Summary of Rights that TransUnion sent me it says that " Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. '' I have waited long enough for this to be removed.