davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

I am a victim of identity theft. An identity thief used my personal information without my permission to keep the account open make purchases with  XXXX . This debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report.   Please see proof that  XXXX   Revolving  account was paid in full in   XX/XX/XXXX . Th is account was paid to a   XXXX   balance and I have not use. Now this company call  Midland Funding LLC, h ad taking action to collect payment from me i n Small Claims Count. The hav e file a case and this is not my debt. Midland Funding LLC, states that I own  XXXX ,  XXXX  and file a cas e on  XX/XX/XXXX  i n  XXXX   XXXX   XXXX . The amount is for changes in  XX/XX/XXXX  and I have not knowledge of any of the debt.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2022-11-16
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. (PA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the XXXX credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX PA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX .... Balance : - ; XXXX  XXXX .... Balance : - ; XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XXXX XXXX. Balance : {$0.00} ; XXXX XXXX XXXX  XXXX .... Balance : - ; XXXX XXXX XXXX XXXX XXXXXXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX .... Balance : {$850.00} ; XXXX XXXX XXXX XXXX .... Balance : {$100.00} ; XXXX XXXX XXXXXXXX XXXX XXXX .... Balance : {$720.00} ; XXXX XXXX  XXXX XXXX XXXX : {$1900.00} ; XXXX XXXX & XXXX XXXXXXXX XXXX : {$3000.00} ; XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; PA XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-11-28
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: Experian Information Solutions Inc. (NJ)

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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXX
Consumer complaint received 2023-02-06
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. (TX)

I voluntarily called to surrender my vehicle in XXXX and XXXX. My husband was in a motorcycle accident on XX/XX/2022. He underwent two XXXX and was temporarily XXXX. In XXXX, the vehicle was placed on the repossession list by XXXX. I called to schedule a pick-up several times. They finally picked the vehicle up sometimes in XXXX. The vehicle was later sold at an auction. I received a letter from XXXX stating that the vehicle was sold and that the remaining balance was charged off. 

The account has not showed closed on my credit bureaus until I disputed it XXXX or XXXX times. I noticed that they were closed in XXXX, but reopened. I called XXXX and spoke to a manger. He stated that he would have the account closed on my credit report since it was showing charged off. 

I noticed this morning that the account was reopened on my Transunion account. I have been trying to obtain a mortgage modification and this is affecting my XXXX. This account is closed and should remain closed on all three of my credit bureaus. 

This account was charged off and the collateral has been sold to a third party by the creditor.
Consumer complaint received 2023-02-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (TX)

On XX/XX/XXXX, I received a tax bill from XXXX XXXX for my XXXX property taxes. The due date was XX/XX/XXXX On XX/XX/XXXX, I noticed that they had not yet been paid and I first contacted Homepoint Financial, the holders of my mortgage, through their customer service number ( XXXX ) XXXX, and over the course of a 29 minute long call, I explained that the property taxes were not paid and that the amount on my escrow account would not be enough to cover them, so I wanted to find a solution to it. I was informed that an internal ticket was generated and the timeframe for resolution was XX/XX/XXXX. 

On XX/XX/XXXX I checked that the taxes were still not paid, so I contacted Homepoint again through ( XXXX ) XXXX, and was told, over the course of a 44 minute long call that it was still pending. I decided to call the tax department directly through ( XXXX ) XXXX and had to wait for 1 hour and 40 minutes. In this conversation I was again assure that my taxes would be paid. I also requested to be taken off escrow but was denied via a letter a few days later. 

On XX/XX/XXXX, I received a call from a supervisor from Homepoint. I was unable to pick it up, but I received a voice mail stating that a supervisor was directly working my ticket and would call me back when it was solved. 

After a week of waiting, I called Homepoint tax department again on XX/XX/XXXX and, through the course of a 10 minute long phone call, was assure that my taxes would be paid and that the payment would be spread out over the year for the difference in escrow balance. 

On XX/XX/XXXX, the deadline for the tax payment, I made XXXX calls to Homepoint, the longest being 12 minutes, where I was again assured that the check was sent out and that my taxes would be paid. When asked about whose responsibility it'd be to pay for interest and fees, I was told that an internal investigation would take place to determine who was at faul. 

On XX/XX/XXXX, I was displaced out of my home on account of weather and power outages and received another call from the supervisor from Homepoint I could not pick up. A voice mail was left saying that the check was picked up by XXXX on XX/XX/XXXX and it was held in a XXXX facility but was expected to be delivered by the end of the day. 

On XX/XX/XXXX, day of writing of this complaint, the XXXX XXXX XXXX website still does not show my bill as paid and has applied a {$840.00} fine to my tax account. 

With the provided tracking number for XXXX, I was able to see that the check was only actually mailed on XX/XX/XXXX and only delivered today, past even the extended deadline for tax payments. 

I made another call to Homepoint 's tax department and, through the course of 1hour and 8 minutes, I received no answers or meaningful support as to who would pay the taxes and the fine. I have also requested a copy of all correspondence and phone calls between myself and Homepoint since the beginning of our contract.
Consumer complaint received 2023-03-01
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. (TX)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-23
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. (TX)

I implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them. I urge you to take the necessary steps to rectify this error as soon as possible.
Consumer complaint received 2017-05-05
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: FIRST GUARANTY MORTGAGE CORP (KY)

XXXX  FGMC   decide not to pay my flood ins  policy because they said the flood zone in was optional I was in a flood zon e  XXXX . FEMA a nd the USDA  require me to have flood ins. I pa y for the policy at closing and my first lender also require me to escrow flood, taxes and home owners ins. Since  XXXX /FGMC did n't renew my policy the cost of flood ins has gone from {$430.00} a year to around {$1300.00} and I do n't even have the same coverage. I close on my  on  XX/XX/XXXX  and found out they did n't renew my policy until  XX/XX/XXXX . This has cause my house payment to go up {$200.00} right now and could be even more in the comin g years.
Consumer complaint received 2023-02-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2022, I sent out a letter regarding false and unknown things on my credit report. Over 60 days later, I have not received a response yet from the bureaus. I feel like I am being ignored in my disputes. In Section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted rapidly. If the accounts are not deleted immediately, I will file for litigation due to me being ignored for the past 2 months. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

On XXXX XXXX, 2023, I deposited a check for {$16000.00} from a large company in XXXX. It was a check in USD drawn on XXXX XXXX XXXX. The check was micro-encoded. Today is XXXX XXXX, and the funds still have not been deposited in my business checking account. On XXXX XXXX, Citizens took a {$30.00} fee from my account and sent me a letter ( which I didn't receive until XXXX XXXX ) that stated they had received {$16000.00} and sent it out for collection. XXXX XXXX was 9 days after I deposited the check. Why did it take 9 days to send out check? I called the phone number on the letter and was told it takes 6 weeks to deposit the funds. This is crazy... .6 weeks to clear a USD check from XXXX XXXX XXXXXXXX? A business check being deposited in a business account? I called other banks in my area with details ... ..they all told me 0 to 2 weeks.
Consumer complaint received 2022-12-01
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. (DE)

Please remove the following items off my credit file. The items on my credit report are reporting different on XXXX and XXXX. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt.
Consumer complaint received 2023-05-23
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. (NY)

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 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 2017-05-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

On   XXXX     i submitted a complaint with CFPB regardingg my  Kohls  store card. Complaint #  XXXX  with the CFPB. The response fro m Kohls state s that I have voluntarly requested paperless statements, and that my account is available online. I have never been issued a cc statement, only a notice that my statement was available online. However since the date of opening the account, i have never been issued and physical CC. I am able to make purchases in store when i provide a copy of my DL and enter my SS # in the card reader. Since i do not have a physical copy of my card, i have never been able to access the company website to pay my bill. This has never been an issue, since I usually pay my bill in full as described in Kohls   XXXX   XXXX   response to my compaint.  Kohls  also note that My email address is   XXXX  when it is in fact  XXXX  XXXX  XXXX .
Consumer complaint received 2024-03-26
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. (AZ)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CNG FINANCIAL CORPORATION (IN)

I took out a personal loan at Check N Go last XXXX. The amount of the loan I believe was {$1800.00} with XXXX per month being paid per month for 18 months to pay off the loan. This was an installment loan not a payday loan. At the time the loan was set up I was sent to an app called pocket XXXX to manage the loan. I have not been able to access XXXX and have requested assistance through the company to be able to view the records and and each time have been told they can not figure out what the issue is with my login. I feel I have ran out of resources in which to turn for assistance. I have no other complaint with the company aside from them limiting my access to my account. I have never missed a payment and the loan is in good standing but they/their technology will not allow me access to my account records with CheckNGo/XXXX. Oddly enough while they have inhibited my access to the account records it has no impact on the scheduled recurring payments being withdrawn from my account. This does not seem fair and at this point the company is either unwilling or unable to assist me. The customer service has lacked every step of this. All they say is someone will follow up in 24-48 hours and there is never a follow up to my issue. I am very frustrated at this point.
Consumer complaint received 2022-11-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am a documented victim of identity theft with police reports, FTC report, and other legal documents. XXXX XXXX XXXX is illegally trying to collect on 2 fraudulent accounts opened in my name, by the original creditor Capital One, which violates the FCRA. The first account has a balance of {$1800.00} ( account ending in XXXX ) and the second has a balance of {$680.00} ( account ending in XXXX ). I have contacted both XXXX XXXX XXXX and the original creditor Capital One by mail and by phone numerous times, and have included my XXXX XXXX police report from XX/XX/2022 as well as other supporting identity theft legal documents. These fraudulent identity theft accounts need to be removed from my credit reports immediately or further legal action will be taken as I have documented each point of contact with the creditor for supporting evidence. Please see my legal documents and police report attached.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-06
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-11-16
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. (NC)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-10-17
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 (CA)

My Capital One Personal And Business Credit Cards where closed without any further explanation. I have had both of these cards for over two years, I have a superior credit history and never have defaulted on any of my credit cards. 

CapitalOne Spark Business Credit Card CapitalOne Platinum Credit Card I called capital one to discuss the issue, No One at Capital one or their supervisors could explain the true reason or the cause of closing both of my accounts. I have called on many occasions to speak to Capital One, I am being discriminated and undervalued due to my ethnicity and I have asked Capital One and the Superviosr said to me in your area many people like you are defaulting and causing fraud After calling Capital One to ask for my account closure, every time I called Capital One employees and their supervisors gave me rubber stamped answers. Hence, that I would receive a letter and it will explain the closure. However, I have never received any correspondence from Capital One or their employees.