davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-04
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)

I am XXXX XXXX and I am submitting this complaint and there is no third party involved. This account is inaccurately and erroneous reporting. 
When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$400.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, DEPTEDXXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-11-03
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Have requested payoff of alleged debt on multiple occasions. XXXX XXXX and XXXX has ignored each and every request. They need to be sanctioned, cited and reported to the IRS. They have also failed to provide a W9 as requested so that proper tax assessment reporting be made to the IRS. 

And, as for the originating application ( securities ) and Bank of America account, please do note no securities were abandoned and all statements have been reported to the IRS. It is hereby requested securities on the asset ledger be applied against any alleged debt owed. All accounts are to be zeroed out in full with any proceeds remaining sent to the beneficiary : XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-18
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: OneMain Finance Corporation (TX)

There was a hard inquiry in XX/XX/2021 by One main Financial. It is due to my identity being stolen. I have called this institution, but can't get anyone to talk to. I am currently filing a police report as well.
Consumer complaint received 2023-08-11
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. (IL)

To whom it may concern I was a victim of Identity theft I have reached out to all XXXX major credit reporting agency XXXX, Experian and XXXX these said accounts were deleted from my account. The accounts was deleted from my credit profile and was reinserted. Section 611, States I was to be notified in 5 business days of my account being reinserted back onto my credit profile and also according to the FCRA all 3 credit reporting agencies must have the same information. I also opening up a dispute on XX/XX/2023 and got a quick response back in 3 days the the items was verified as mines. It takes an investigation 30 days so I'm assuming they never investigated the accounts I stated in my report please provided all statements showing the exact times these account occurred I can't open another dispute according to the FCRA as a consumer
Consumer complaint received 2023-06-13
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: First Advantage LNS Inc. (PA)

COMPANY INFORMATION : NATIONAL CREDIT AUDIT CORPORATIONXXXX XXXX XXXX INVOLVEMENT : Debt Collector ACCOUNT NUMBER : XXXX My latest credit report shows the company on my credit report NATIONAL CREDIT AUDIT CORPORATIONXXXX XXXX the debt collector .

1. I ask that the follow debt reporting be removed immediately from my credit file for false statement/ representation ( trying to collect wrong amount, attempts to collect debt not owed ( Over charging, falsely reporting negligence of property, Items or issues not repaired or replaced before move-in, submitted maintenance request while occupied, Reference of pet order by tenant that never owning a pet ) on my XXXX XXXX credit report XXXX 

Evicted from my XXXX XXXX XXXX even after notifying management of my recorded medical/disability. I had a payment issue with my employer and insurance payout in regards to XXXX status. The management team refused to negotiate rental of housing to satisfy past due balance. I offered proof my medical records yet the management team refused any paper work regard paper work regarding my claim. 
2.

Fair Housing laws make it illegal to discriminate against anyone based on a protected class in any of the following ways : Refusing to rent or sell housing Refusing to negotiate for the sale or rental of housing Making housing unavailable or denying that housing is available Setting different terms, conditions, or privileges for the sale or rental of housing, a mortgage loan, homeowners or renters insurance, or any other housing transaction Advertising in a discriminatory way Threatening or intimidating anyone exercising a fair housing right or assisting anyone else in exercising their fair housing rights Types of Housing Covered by the Fair Housing Act The Fair Housing Act and the Pennsylvania Human Relations Act cover all types of housing, including : Apartments Mobile Home Parks Condominiums Single Family Homes Public Housing Nursing Homes Dormitories Group Homes for People with Disabilities Fair Housing Laws Title VIIXXXX of the Civil Rights Act of 1968, as amended, is known as The Fair Housing Act. 

The Fair Housing Act is the federal law that makes it illegal to discriminate in any housing related transaction based on seven protected classes.

Race Color National Origin Religion Sex Disability Familial Status ( or the presence of minor children in a household, pregnant women, or anyone in the process of securing legal custody of a child ) The Pennsylvania Human Relations Act is the state law protecting consumers against housing discrimination and adds two additional protected classes.

Age ( over 40 ) Users, handlers, or trainers of assistance animals for persons with disabilities A Contract or Rental Agreement Does Not Deem an Apartment Complex Exempt from The Fair Housing Act.
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Neon Newco Corporation (OH)

I bought a PayPal prepaid Visa card on XXXX, I had preloaded the card with a {$100.00} balance. The card cost me {$4.00}. 

I attempted once I got home to activate the card, however, I was told that I was considered to be a high risk customer and was unable to activate the card. I was told by their customer service team that they would be forced to mail a check to me. They were going to send the check for {$100.00}. Even though I paid {$4.00} for the card. Totaling {$100.00}. 

The check was supposedly mailed out to me on XXXX. I called on XXXX. I informed them I still didnt have the check. I told them that they must not have processed it correctly or the check had been lost in the mail. 

They assured me that I would have the check by XXXX, they told me I needed to be patient and give it the full XXXX business days. As of today which is XXXX, thats XXXX business days. They are now telling me that they can stop the payment, but it will be another XXXX days. I informed them on XXXX when I knew the check wasnt coming, that its not going to be acceptable when they tell me that the funds will need to be mailed again. Which is exactly what happened.

Im already frustrated because I havent ate anything in 2 days. I suggested the check be sent overnight. I even offered for the fee to come out of my funds, but was told that wasnt going to work. I tried to explain what happens if this happens again. Ive already waited 15 days for my own money. Which was cash used at the XXXX XXXX to purchase this card. I want them to come up with a different option that doesnt require me to wait a month to get my money back.
Consumer complaint received 2023-08-11
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. (CA)

I am not liable for this debt XXXX. I do not have a contract with that company. I have contacted XXXX regarding this collection fraudulently filed on my credit report, but they still refuse to remove it.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-11
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. (FL)

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items 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. 
XXXX XXXX XXXX, XXXX, RI, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX XXXX XXXX XXXX, XXXX, RI, XXXX XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$140.00} XXXX & XXXX XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX XXXXXXXX Balance : {$320.00} XXXX XXXX XXXX XXXXXXXX Balance : {$220.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XX/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
Consumer complaint received 2022-12-10
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)

This is my endeavor to tell you that I am a victim of identity theft and I complain to question specific records 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 alleged fraud or extortion. 




XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$8800.00}
Consumer complaint received 2022-12-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (FL)

I was awarded the haf program in XXXX of 2022. I have been on a COVID forbearance since because haf payments were comming in late into the month. The forbearance has been active since XXXX and payments were getting applied. Until XXXX when they stopped getting applied. I speak to haf and they tell me they sent my mortgage company XXXX, XXXX, XXXX payments and my mortgage hasnt applied them. When I spoke to United wholesale mortgage now they are telling me they probably sent them back to haf since Im on a forbearance until end of XXXX. That doesnt sound right because I been on a forbearance since XXXX and payments were getting applied since XXXX and just stopped in XXXX. I need answers I need my payments applied this a Government program and I was awarded 18 months of payments to my mortgage and they cant just hold the money and not apply it
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPE BY SILENCE, ENGELHARDT V GRAVENS ( MO ) 281 SW 715,719, 1 PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS.
Consumer complaint received 2023-08-11
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. (NY)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 
XXXX XXXX
Consumer complaint received 2022-11-03
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: EQUIFAX, INC. (GA)

This is the several time I've complained about being a victim of identity theft. The 3 Credit Bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-31
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Bankruptcy XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Capital One bank, specifically on a Capital One Venture credit card. 

This relates to an interest charge accrued on XX/XX/2023 to the sum {$4.00}. Yes, it's not a lot. But it's the principle of the matter. 

On XX/XX/XXXX, I called to ask about this interest charges. They explained, " There's a delay between your auto-payment date and when the funds are received. And that's why there's the interest charge. Because it compounds daily. '' Okay. 

So, I had previously set the autopay to pay the statement " in-full. '' Because I do not want to carry a month to month recurring balance. However, Capital One will not let me set a payment date earlier than the due date. Meaning, if the payment was due on XX/XX/XXXX, then Cap 1 requests money on XX/XX/XXXX, they are charging interest every day until they receive the funds, per the representative. 

This does not feel fair. 

So rhetorical question, if this is the case, why can I not set the auto-payment to fire/pull earlier? Based on the representatives explanation, it feels like they've intentionally programmed the payment settings to collects a few extra dollars here and there. 

I called again on XX/XX/XXXX, around XXXX XXXX  XXXX to ask if they'd eliminate this charge. We escalated to a supervisor who said " no. ''
Consumer complaint received 2022-11-03
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. (CA)

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 items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX .... Balance XXXX {$4400.00} ; XXXX XXXX XXXX XXXX XXXXXXXX .... Balance : {$5600.00} XXXX XXXX XXXX XXXX Balance : {$120.00} ; XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX  XXXX .... Balance : {$670.00} XXXX XXXX XXXX XXXX .... Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX, XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX According to FCRA XXXX XXXX ( 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 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Informative Research (GA)

This is my formal complaint to INFORMATIVE RESEARCH about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX and my name is XXXX XXXX XXXX XXXX My birthdate is XXXX, and my social security number 's last four digits are XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Some company I do not know opened a Bank of America Visa card account. The card was never sent out from BAC and the company that opened account charged {$11000.00} to the account in my name. I never had possession of the card nor did I even know the credit card number. Bank of America states the company is not a fraud even though there are 100s of online complaints about this company XXXX XXXX. I never signed any documents yet they produced documents with DocuSign initials. I am XXXX years old and will never be able to pay this amount. XXXX XXXX was also charged by this company and they refunded my money as they believed XXXX XXXX were fraudulent. 
I submitted 32 documents to Bank of America two times. The first time they said they couldnt find the documents and gave me another address in another state. It took me hours to put together all this information that they totally discounted. 12 of their fraud employees submitted complaints to their supervisors that my complaint was legitimate and that the XXXX card was never produced or sent to me.