davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (LA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within XXXX days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX days old.
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

Experian is falsely reporting on my credit a loan. I have no such loan and it is causing my credit harm to have this information on my account. I demand that it be removed from my report. No such agreement between exists between myself and XXXX. The CFPB also states that a retail installment contract is NOT A LOAN making this reporting false and misleading even if one did exist. I am in a title holding state in which if there was a lien holder, I would not have possession of my title. I am in possession of my title and it states it is free and clear of any liens. I also have signed contracts endorsed " without recourse '' in which XXXX recognized and overnighted my titles which was received XX/XX/XXXX. Any deal XXXX made with XXXX after my endorsement has nothing to do with me. UCC 3-415 " ( b ) If an indorsement states that it is made " without recourse '' or otherwise disclaims liability of the indorser, the indorser is not liable under subsection ( a ) to pay the instrument. '' -- Experian is civilly liable for the damages to my credit for reporting without the proper verification. 15 USC 1681n for willful non compliance should they continue to report but most certainly for negligent non compliance under 15 USC 1681o--
Consumer complaint received 2023-05-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (VA)

I was involved in a hit and run accident on XXXX22.My doctors advised me that I was looking at a year before I could work ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I reached out to my mortgage company in XXXX in 2022, asking for help.I submitted an explaination letter, bank statements, and application for loan modification and or any programs I could qualify for including putting payments on the back of my loan.To date I continue to get lied to saying documents were needed or they didnt receive information on time.I started e-mailing documents while on the phone with representatives, faxing documents to have a paper trail .I have had to resubmit requests for help over and over again.I now am 6 months behind, and still not working.New persons keep getting assigned, and the same run around starts all over again. ( 5 people since XXXX2022 ) Many dont read the notes on the account.The whole thing seems like a scheme to take my house.I am getting notices about foreclosure.Im being told these notices are automatically generated.I have documentation of everything.faxes, e-mails etc.I need helpXXXX.Enough is enough already
Consumer complaint received 2022-11-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXX Balance : {$980.00} ; XXXX  XXXX Balance : {$1900.00} ; XXXX  XXXX Balance : {$5700.00} ; XXXX  XXXX Balance : {$10000.00}
Consumer complaint received 2023-06-27
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. (NJ)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-13
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

Order not received from merchant XXXX during the first week in XXXX. Contacted XXXX and they were only willing to refund back {$35.00} for 3 packages that were lost. Refused to issue a refund for order amount {$780.00} & {$770.00}. I was told that I would have to take this up with my credit card company which is Capital One. Contacted Capital One & explained to agent that this merchandise was not received by me and they initially filed this as a fraud claim instead of a dispute and I had to wait a whole month for them to close out the fraud claim. I then was contacted that this was a dispute that needed additional paperwork. It was not explained to me at that time that I would have to submit the same paperwork twice although this is the same charge on the same day. It was not explained to me that I would receive two claim numbers from Capital One and that I would have to respond to each one separately with the paperwork that I had showing contact from the merchant and the delivery company. They reversed the charge for {$780.00} and then sent additional documents for the charge of {$770.00}. The documents would not open that were sent in my email and when I contacted them they stated that I could access them through the app. This was on XX/XX/XXXX at which time I learned that they had reapplied the charge and interest for the {$770.00}. 21. I explained that I thought that this was taken care of and that I wish to reopen the dispute. The agent told me that she would do so and send me a link to upload the documents. I received another letter after I resubmitted the same documents stating that the timeframe had expired and that I will have to contact the merchant. I am now having to pay for merchandise that I did not receive.
Consumer complaint received 2023-01-23
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: EQUIFAX, INC. (PA)

Subject : filing complaint on this credit bureau. 

My name is XXXX XXXX and I am writing you in regards to filing a complaint on this company. On or Around the beginning of XX/XX/2022, I disputed several accounts on my credit report to which they allegedly verified. I am in total disagreement with their investigational response because I have vigorously explain to this Company that I did not give consent for this activity. Therefore, I demanded them to remove this inaccurate information immediately to which they have yet to do. I am requesting all incorrect information be removed from my report because these inaccuracies are highly injurious to my credit rating and violates my rights under the fair credit act. Please investigate these illegal and unconstitutional actions being done to me by this company immediately!
Consumer complaint received 2023-05-13
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)

This is my Follow-up 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 : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance {$3200.00} XXXX XXXX XXXX XXXX Balance {$150.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} TXXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1200.00} XXXX XXXX XXXX Balance {$3200.00} XXXX XXXX  Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  Balance $ {$1200.00} XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX - XXXX Balance {$3200.00} XXXX XXXX XXXXXXXX Balance {$150.00} XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXnquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2019-12-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I have submitted a prior complaint about this issue and am still dealing with that. To get my money released on XX/XX/XXXX and XX/XX/XXXX, I requested my account to be closed. I stipulated this to XXXX, the Branch Manager of the XXXX XXXX XXXX Branch. They called the holds department and they claimed due to my prior OCC complaint that they would comply. I video-recorded the branch manager and asked point blank that the accounts would appear that I closed them. He said yes. I was concerned about them reporting the accounts to XXXX XXXX or XXXX, they indicated that they would not. That was a lie. They sent me three letters for my various accounts and all stated they closed them, not me, and that it was in violation of the rules and regulations of Huntington. This is just another example of the repeated lies and fraud of this institution.
Consumer complaint received 2023-01-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Law Office of Michael J. Scott, PC (VA)

XXXX is the amount they are requesting plus fees according to associates with this law firm for a debt purchased by XXXX and handled by this law firm. Prior to purchase XXXX did not properly notify me of debt being purchased from credit XXXX, nor provided any hardship plans or repayment plans other than demanding XXXX plus fees in lawsuit for old debt The timeline for notification of this debt is them opening a lawsuit in XXXX and me finding out by looking on the XXXX court website. They made no effort to inform or work with me.
Consumer complaint received 2023-05-13
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. (TX)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-23
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL XXXX STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX 
Account Number : XXXXXXXX XXXX XXXX XXXX XXXX 
Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-10-03
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: Experian Information Solutions Inc. (TX)

I, XXXX XXXX, never gave ( XXXX XXXX, XXXX, Experian, or XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached to this dispute. They also do not have any permissible purpose to furnish my personal information to any third party.

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

As a consumer, I am demanding the deletion of the following accounts and that my credit score be updated in light of these changes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If the account is already deleted then disregard that specific account. 

Thank you.
Consumer complaint received 2023-01-23
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: Experian Information Solutions Inc. (PA)

I am writing to delete the following information in my file. The items I need deleted are in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commissions Identity Theft Affidavit. Please delete the item as soon as possible. These items are stopping me from getting a house.
Consumer complaint received 2023-01-23
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: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commissions Identity Theft Affidavit. Please delete the item as soon as possible. These items are stopping me from getting a house.
Consumer complaint received 2023-05-13
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. (DE)

Come its XXXX XXXX credit card account is closed. The company is now reporting as past due not paid with a balance. On XXXX XXXX spoke with XXXX XXXX who was supposed to have a letter sent and account closed. This was not done. On XXXX XXXX spoke with XXXX XXXX option XXXX ext XXXX Says that an updated letter balance in full dated XX/XX/XXXX showing a XXXX balance. Says the account is not past due and is being reported incorrectly as there is no balance.
Consumer complaint received 2023-01-23
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: EQUIFAX, INC. (TX)

There is an inaccurate account on my credit report with Equifax for XXXX XXXX. I have sent both the Equifax and XXXX associates a letter requesting validation of debt and have not received anything back from either consumer reporting agencies. It is illegal for a consumer reporting agency to report an account without sufficient documents and proof that the debt belongs to me. It is also illegal for a consumer reporting agency to ignore a consumers dispute. I demand that this account is deleted from my credit report.
Consumer complaint received 2019-12-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp (CA)

On XX/XX/XXXX i got a loan from lending club in the amount of XXXX loan # XXXX. loan term was for 36 months, interest rate of 17.47 %. I paid on this loan for a year making payments of XXXX. On XX/XX/XXXX i decided to try and pay off the loan early, at that time the balance was {$5500.00}. I decided to send in a large payment of {$3200.00}. When i sent Lending Club {$3200.00} the loan was overpaid and therefore scheduled to be paid off early. NO payments should have been due until XX/XX/XXXX. The problem is that Lending Club kept on trying to withdraw via electronically the monthly payment of XXXX from my bank account monthly anyways. The Original loan documents stated that There would be no penalty for paying loan off early and then refinancing that loan. etc. ( confusing advertising, credit denied, Problem with the payoff process at the end of the loan, or refinancing loan ) -- Telephone agents told me that once i got my loan balance down to XXXX i would be allowed to reloan. XX/XX/XXXX of XXXX I made a {$3200.00} which reduced the loan balance from XXXX to XXXX, XXXX. After i made the payment agent told me to go online to reapply but each time i applied the loan was denied and this happened twice. ( XXXX ) .. XX/XX/XXXX Lending club contacted me to sit up payments for the remaining XXXX. They offered to restructure the loan if i agreed to pay XXXX mo. for 18 months, they said that even though the loan would be paid in full at the end of the 18 mo lending club would not remove the charge off status.
Consumer complaint received 2023-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX, I deposited an amount of {$7300.00} at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX drive through ATM. However, when I received the receipt, it showed no amount on it, and it instructed me to contact electronic claims for further assistance. The receipt had the code " XXXX '' printed on it. 

I immediately contacted electronic claims, but they informed me that they were unable to return the items deposited. Instead, they credited only {$3500.00} back to my account, claiming that they found an excess of {$3500.00} in the ATM. 

I am reaching out to you for urgent assistance in resolving this matter. I kindly request a thorough investigation into the discrepancy and a prompt resolution to ensure that the remaining {$3800.00} is credited back to my account.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

The credit bureaus stated that my account XXXX XXXX XXXX was properly investigated but they continue to report inaccurate information. The following errors were identified : The balance of the account is incorrect The account status is incorrect Last Reporting date is incorrect 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2019-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (FL)

I thought I closed a Citi Card account months ago.  Now they are telling me I owe them $XXXX and they will report me to a collection agency if I do not pay.  If that account has a $XXXX charge THEY PUT IT THERE.   I haven't used the card, I shredded it after I thought I cancelled it.    I have tried to contact them both by phone and online  and all I get is another sales pitch.   How can I get rid of them?
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My XXXX loan balance is reflecting as {$120000.00} on my credit report and my XXXXXXXX XXXX credit History. It should be {$56.00}. My loan was transferred from XXXX to XXXX. I have spoken with XXXX and they have my total loan as {$56.00}, XXXX as it should be. I have called XXXX several times over the last 2 months and there has been no change. I am in the process of purchasing a home and this needs to be corrected ASAP. Thank you. 

XXXX XXXX