davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-07
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. (NM)

It has been drawn out that Credit Bureaus 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 accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus ( XXXX, Transunion and XXXX ) have not responded back to me about my investigation. I sent a letter stating XXXX XXXX XXXX is reporting a 30 days late on XX/XX/2020 which is inaccurate and it should be showing 'Current ', it's more than 60 days. I need this account updated to reflect the accurate information. They are defaming my character because I can not get approved for a home or car loan. Now I am homeless. This is devastating for me and my family.
Consumer complaint received 2023-02-07
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. (NC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-08
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. (NY)

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 XXXX5 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-07
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: PAY-O-MATIC (NY)

XXXX XXXX XXXX XXXX XXXX : XXXX Ext XXXX Fax : XXXX Email : XXXX XXXX XXXX Abused his power as a collector. When speaking to him on the phone he expressed he sent letters to my house. 

I honestly told him I never received them. i asked how I can dispute it but only to demilitarize me and say I am a criminal when explaining myself of the miscommunication. He didnt believe me and called me a fraud and threaten to take legal action after a year of claiming to contacting me even tho I cooperated. He was rude and putting me in a box as a criminal and dismissed anything I said his response was I have to pay after asking questions to dispute and speak to someone to negotiate. He denied. Not sure if XXXX records calls but if they do you and get a copy from them. Because of him being rude I told him to send me an email. i reached out and sent emails to only get an email threatening to report me as fraud. He has claimed to have been calling me for a year which is harassment. Even after finally speaking to him and being transparent and understanding all he cared was to pay pay pay and threaten to report me to fraud after saying on the phone he know its wasnt malice but you have to pay which was an error on there part not intentional. He refused to help me dispute the case and just threaten me to report me to fraud.
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My TransUnion report shows " XXXX '' closed. I do not know what XXXX is, and when I search online, it says it is a hard credit inquiry. I have no recent credit applications, so this does not seem logical.
Consumer complaint received 2023-02-07
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. (IN)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-07
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)

XXXX XXXX Equifax is reporting a bankruptcy on my credit report, they put in the data the furnisher as being the XXXX XXXX Bankruptcy court of California which is false. 
I have attached a letter from the XXXX XXXX XXXX XXXX XXXX  verifying and stating they do not furnish information over to the credit bureaus or any credit monitoring service nor do they verify and validate any information concerning bankruptcies. 
The credit bureaus are falsely stating this information on my credit report, and have yet to remove this bankruptcy from my credit report.
Consumer complaint received 2023-01-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

privacy and confidentiality under 15 USC 1681 Account name- XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States that I have the right to privacy.

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 2023-01-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Research Center, LLC (FL)

Our mortgage payments were {$1500.00}, in XXXX 's bill it showed that the new payments would be {$2800.00} is including a {$1400.00} escrow amount. In the month of XXXX, I called the mortgage company and asked why my payments went up so high, representative indicated that property taxes and homeowners ' insurance had gone up and recommended I call the county to confirm the amount. In the beginning of XXXX, I went to the county to confirm that the amount for XXXX is {$5600.00} this would make my payments {$460.00} a month added to the escrow. The homeowner 's insurance is {$2300.00} for the year making my monthly payments of {$190.00} added to the escrow for a total of {$660.00}. My principal amount is {$710.00}, and my interest is {$650.00} so my mortgage payments should be {$2000.00}. I then contacted mortgage company to find out why they were demanding {$40000.00} now, and why are they adding an additional {$8900.00}, adding an additional {$710.00} to my mortgage payment. The representative was able to confirm the charges but wasn't able to provide me the source of the charge, he had me on hold for a while and did say that this were charges that came from corporate, and they wanted their money back. He also said that this was based on something they paid back in XX/XX/XXXX, however he was unable to give me a clear answer, as to what was paid why is it my responsibility to pay. I explained to him that I have no documentation that makes me and wife responsible for the fees, I requested an italicized bill and I also had sent several emails requesting to have my escrow reviewed because the amount was not adding up.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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.

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 2023-01-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (FL)

I currently have an outstanding balance of {$5900.00} with Rocket Mortgage despite having assistance from the Homeowners Assistance Fund. The majority of the balance is due to attorney fees imposed by Rocket Mortgage because HAF was late in making the payments to Rocket Mortgage. Please help me in any way that is possible. Thank you so very much.
Consumer complaint received 2023-01-07
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: Maximus Federal Services, Inc. (TX)

I have contacted XXXX, XXXX and XXXX about the fraudulent student loan accounts on my credit report. I have submitted a federal trade commission affidavit, police report and notarized letter explaining the fraudulent information. I demand for the information to be blocked and removed per fxra section 609.
Consumer complaint received 2023-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I spoke to credit card representative in regards to a late payment and was discriminated again based upon my card being a secured card and I was basically told by the representative that because of this card my financial status that I was not able and couldn't get any information in regards to my account and she basically told me if I didn't like it to go somewhere else. I asked to speak to a supervisor in regards to this and was told that I could not. I was hung up on and unable to follow back up with
Consumer complaint received 2023-01-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (NY)

I called to close my XXXX checking account at least XXXX times and it still has not closed. Every time I escalated the phone call to a supervisor I was assured it would be closed within the next 30 days. There are numerous people out there who have the same problem because XXXX will not close their accounts. We all think they are trying to pad how many people have accounts with them which is why they will not close the accounts. My account has a {$0.00} balance and there are no pending transactions.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I closed my XXXX XXXX account yet XXXX says it may take up to 2 months to report my account to credit reporting agencies as Closed at request if consumer. The FCRA and Metro 2 require prompt and immediate automatic reporting to all credit reporting agencies simultaneously upon closure by consumer via a mid-cycle mandatory submission. Creditor is therefore in willful violation of the FCRA and Metro 2 Compliance protocols for which I demand {$1000.00} in statutory damages for each and every day the willful violations remain. I demand permanent deletion of my account from every credit reporting agency to mitigate damages which will certainly escalate.
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

During the pandemic I filed my taxes an for some reason I never received them in the mail because I lived in XXXX XXXX XXXX area behind a business. Because of it I could not pay the credit cards off so It was not my fault I couldn't make payments because I didn't receive my taxes
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 belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my 4th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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
Consumer complaint received 2022-11-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (IL)

I have recently paid for a copy of my credit reports, and reviewed my credit file, as is being reported with the credit bureaus, and noticed there are several inaccurate accounts, judgements and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened & severals inquires I did not authorized
Consumer complaint received 2023-02-17
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: World Omni Financial Corp. (FL)

My family and I were heavily impacted by XXXX leaving me no other choice but to ask XXXX for help in 2022. 
Because our impacted was so bad on many levels we decided to consolidate to save our credit. XX/XX/2022 I started the clock for payoff, I requested the payoff from XXXX. The beginning XXXX I confirmed payoff again with XXXX and made them aware again of my XXXX problems. The last of XXXX, I sent a check for payoff to XXXX. 

But XXXX issued a late pay for XXXX month for the last payment. XXXX shows 30 days late for the month of XXXX. They would not provide covid protection for XXXX month rather they issued a late pay.
Consumer complaint received 2023-01-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (AZ)

I woke up this morning ( XX/XX/XXXX ) to see that a {$1000.00} withdrawal was made. I know I did not initiate this so I logged into my Wells Fargo App and saw there was a tele-transfer to some random account for XXXX. This transaction was posted yesterday on XX/XX/XXXX. It must have been after I looked in the morning since I always check all my bank accounts in the morning. I looked through every account I have with all institutions and found that I do not have an account ending in XXXX. ( I know this because the transaction was posted with XXXX ) and a reference number. I contacted Wells Fargo this morning and filed a claim for it. Since then they have suspended my online banking but I still have access to the physical bank, ATM, and my debit cards. I am filing a complaint here because I read that sometimes Wells Fargo and other large banks take an extended period of time and don't give my money back. I asked them to launch an investigation to find out how this happened. I received no email, no token, and no text to confirm that I was the one authorizing this transfer. Wells Fargo needs to step up their banking security.
Consumer complaint received 2023-03-28
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. (MD)

When I investigated my credit report, I realized that some of the information was erroneous. Equifax and XXXX are required to validate this account. It is not acceptable to treat this reporting account as unverified information without producing proof within the legal time range. Please investigate the unverifiable account below : XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-01-07
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. (MI)

Equifax has taken advantage of my trust they and all the other companies have use my trust and misused all my personal information not only have these companies lied on all reports but they have sold my information off to other companies without my consent THE BANKS AS WELL CFPBPlease investigate all these credit bureaus because they are stealing committing FRAUD and taking are personal information and making profit off of it that is extortionThese companies should be in trouble a lot of itI want compensation for all this illegal activity in my nameThey have cause so much poverty in my life I was basically redline in the UNITED STATES OF AMERICA by banks and credit bureaus : ( This is unacceptable and wrongIve never understood what and how these companies get away with lies and contract fraud..Extortion.A lot of illegal activity and how when they have all of our personal informationHow can these companies get away with this HOWI want Justice for all the discrimination and XXXX in the UNITED STATES OF AMERICAThis country is XXXX they call the XXXX XXXX XXXX XXXX XXXX XXXX ) so yeah thats my proof that all these companies I complain about is XXXX.What is going on in this worldPlease pay me back in full and CFPB can u please get PEOPLE in office that is not XXXX AGAINST XXXX PEOPLE to actually help us outIm tired of being treated like a XXXX and watched by XXXX being harressed lately too cfpbYeah this government is shady against XXXX AMERICANSplease do something please they must stop stealing and making profit off our informationI want compensation for the BREACH OF CONTRACT OF THIS COMPANY
Consumer complaint received 2024-03-27
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. (PA)

accordance with the Fair Credit Reporting act XXXX account # XXXX has violated my rights.I am writing this complaint today trying to get this self? XXXX XXXX ( XXXX ) account off my credit report I do not recognize this account as well as it has a late payment on it which is greatly effecting my credit report. This will be my second time contacting the company about removing this derogatory account from my credit report. I would like for this account to be taking off of my credit report across all three bureaus as soon as possible.U.S.C 1681 section 602 A. States I have to right to privacy. As well as there are two inquiries on my credit report that I did not apply for XXXX XXXX, XXXX, XXXX