davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IN)

MR. COOPER MORTGAGE COMPANY RECEIVED FUNDS FROM INDIANA HAF PROGRAM ON MY BEHALF STARTING IN XX/XX/2022 AND SHOULD HAVE APPLIED 8 TOTAL PAYMENTS TO MY ACCOUNT, THEY HAVE SAT ON THE PAYMENTS PUTTING THEM IN SUSPENSE FUNDS AND NOT APPLYING ALL PAYMENTS TO MY ACCOUNT IN A TIMELY MATTER. NOW MY ACCOUNT AND PAYMENTS APPEAR LATE AND THEY ARE STILL SITTING ON 2-4 PAYMENTS TO MY ACCOUNT. THEY REFUSE TO PROVIDE THE NECESSARY DOCUMENTATION TO THE HAF LENDER PROGRAM STATING THEY RECEIVED THE PAYMENTS. THEY SAT ON ONE PAYMENT FOR 2 MONTHS APPLIED IT XXXX RECEIVED IT XX/XX/XXXX FOR MY XXXX MONTHLY PAYMENT. I HAVE EMAILED, CALLED, TEXT, SENT MESSAGES AND HAVE NOT RECEIVED AN APPROPRIATE RESPONSE FROM THEIR RESEARCH AND RESOLUTION DEPARTMENT. CUSTOMER SERVICE REPRESENTATIVES CAN NOT HELP ME. THEY ARE PROVIDING ME UNNECESSARY STRESS IN THIS MATTER AS I AM ULTIMATELY RESPONSIBLE FOR PAYING FOR THE LOAN I RECEIVED FROM HAF. THEY ARE NOT APPLYING FUNDS ACCORDING TO THEIR AGREEMENT. **FURTHER DETAILED INFORMATION INCLUDING DATES, NAMES, CORRESPONDENCES ALL INCLUDED IN THE ATTACHED DOCUMENT***
Consumer complaint received 2022-12-29
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 (CT)

I have capital one cards for years. Recently applied and received a savor card. After the annual fee and a few days of usage all my accounts were frozen. I provided proof of income with the application and card was subsequently approved. However after many years they now want me to send sensitive information despite having a relationship with me for years. And to top it all off they have restricted access to my rewards which have been earned.
Consumer complaint received 2024-03-15
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. (TX)

I am writing to express my frustration and disappointment with the numerous attempts to correct the late open account associated with my account. Despite my repeated efforts to resolve this issue, it persists, causing significant inconvenience and concern. 

I first brought this matter to your attention, and since then, there have been multiple attempts to rectify the situation. However, each time, the promised resolution has not been achieved, and the problem continues to linger. 

As a loyal customer, I expect timely and efficient resolution of any issues related to my account. The repeated failure to address this matter reflects poorly on your company 's commitment to customer service and satisfaction. 

I urge you to prioritize this issue and take immediate and effective action to correct the late open account. Additionally, I request a thorough review of your internal processes to identify the root cause of this recurring problem and implement measures to prevent similar occurrences in the future. 

Furthermore, I believe it is only fair to receive compensation for the inconvenience and stress caused by the prolonged delay in resolving this issue. I trust that you will address this matter promptly and provide me with a satisfactory resolution. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX Balance : {$9600.00}.
Consumer complaint received 2022-12-28
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. (NY)

CORRECT INCORRECT INFORMATION ON ACOUNT XXXX XXXX XXXX # XXXX 15 U.S. Code 1681a INDICATES THAT THERE ARE Exclusions, the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;, XXXX DAY LATE PAYMENTS MUST BE REMOVED FROM CREDIT PROFILE.
Consumer complaint received 2024-03-15
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. (OH)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, a few records still require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX and XXXX credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

XXXX failed to conduct a reasonable reinvestigation to determine the validity of the disputed XXXX XXXX late payment. I need them provide verification of all information they used to investigate my dispute, to include a standard form outlining the general characteristics of such information. who did you talk to at XXXX XXXX, when did they talk to them, and I also need the name of the point of contact name and address. As per The XXXX XXXX XXXX XXXX must explain their information-sharing practices to their customers, which I received no such notice to safeguard my sensitive data.
Consumer complaint received 2022-03-22
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)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX is complaint. The stuff on my credit report is wrong 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 2021-03-12
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (IL)

I am filling a complaint in the manner in which my account was handled. I had a Comenity Bank Credit account on behalf of WayFair. I was eager to have this account as it helped my XXXXredit score significantly as I made payments on time and even in advance. I was blind sided in XXXX of XXXX when I found out that WayFair and Comenity Bank would be severing their ties and my account was closed. I found this out when I looked at my credit report and found that my credit score dropped significantly due to the decrease in the number of open credit accounts, seeing as my Comenity credit limit was at {$4000.00}. I also noticed that the Credit Bureau was reporting that my balance was {$0.00} with Comenity/WayFair. I called Comenity in XXXX to get clarification on the matter and the representative was not sure as to the status of WayFair and Comenity and why my Credit Report was showing a {$0.00} balance. In XXXX the status on my report has remained at closed for the account but is showing that I have 3 month past due balance of $ 150+. So not only has my score decreased significantly after paying on time from the beginning of my relationship with this Bank but it has also affected my on time payments reported to the credit bureaus. I've called a Bank representative and paid the account down. However, I do not feel that with this current situation of my credit due to the closure of the account that I can even apply for credit with any other company. I've also found out that WayFair offered a new card with their new creditor to some of their clients but the offer was not extended to me even though I had 100 % payment status.
Consumer complaint received 2020-12-22
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)

My payment with XXXX XXXX is due on the XXXX of every month. XXXX XXXX is reporting a payment as 30 days late on my credit report from the month of XXXX of XXXX that was paid on the XXXX of XXXX when the payment was only 8 days late. XXXX XXXX is also reporting my XXXX of XXXX payment as 30 days late when it was paid on the XXXX only making it only 12 days late. I also made an extra payment of in XXXX of XXXX but XXXX XXXX knows that they get more interest if I don't make extra payments so they are tying to penalize me for a month that I made extra payments on, hence why they are being dishonest on my credit report about my payment date. I use ally financials online portal to make payments and I have attached screen shorts of payments that were process by ally financial on the XXXX of XX/XX/XXXX and on XXXX of XXXX. XXXX XXXX is not being honest and is abusing their power of not having the late payments removed by not agreeing to remove the late payments. Ally financial can clearly see in the online portal that the payments were made within the 30 day time frame.
Consumer complaint received 2022-12-28
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. (PA)

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. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A states I have to right to privacy.

15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an 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 or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 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 2021-01-15
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)

i XXXX XXXX have been a victim of identity theft and just learn about this accounts listed in my police report. they do not belong to me and have never gave anyone permission to open these accounts. thats why i filed a police report
Consumer complaint received 2020-12-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XXXX I paid my debt to Bank of America and XXXX I dont have a receipt because I did it over the phone. During XXXX I didnt know what was going on with my accounts I just forgot to close them due to me being very busy and stressed. I had stopped working because I had another child, I was at XXXX  XXXX  so I have put aside somethings and let my husband take over so we were just having his income and he was using his bank. I dont even know the account numbers just whats on the consumer report.
Consumer complaint received 2023-06-09
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. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
Consumer complaint received 2023-05-26
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. (GA)

I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.
Consumer complaint received 2024-01-11
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. (MO)

I am writing to formally complain about the persistent issues I have encountered while attempting to dispute and correct the late open accounts and also the removal of late closed and charge off on my credit report. I have made numerous attempts to rectify these discrepancies, but unfortunately, the inaccuracies persist across different credit bureaus. 

Despite my repeated efforts to address these issues through the dispute process, I have not seen any significant improvement in the accuracy of my credit report. I believe that the continuous reporting of these inaccuracies is adversely affecting my credit score and financial standing. 

I kindly request a thorough investigation into the discrepancies mentioned above and the immediate correction of the inaccuracies on my credit report. I have attached supporting documentation, including proof of timely payments, account closure, and any relevant correspondence with creditors. 

Furthermore, I request the removal of late closed accounts, and charge-offs that have been inaccurately reported on my credit file. It is imperative that my credit report accurately reflects my financial history and responsibility. 

I understand that credit reporting agencies play a crucial role in maintaining the integrity of individuals ' credit profiles. Therefore, I trust that you will handle this matter with the utmost urgency and diligence. 

Please provide me with a written response detailing the results of your investigation, the actions taken to correct the inaccuracies, and the updated version of my credit report. Additionally, I request that you inform me of any further steps I need to take to ensure the prompt resolution of this matter. I am asking for your assistance to correct these late open accounts and remove the late closed and charge off in my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

On XX/XX/XXXX, received a notice that said the dispute was investigated and was found accurate. When I looked at the credit report the item was still inaccurate. The dispute resolution said that it was found accurate. However, this is not true. 

SUMMARY : I disputed the The XXXX XXXX XXXX account on XX/XX/XXXX because it was inaccurate. On my credit report it showed {$290.00} as a profit, loss, writeoff. But the balance should be XXXX and status should be included in bankruptcy that was filed XX/XX/XXXX. I was told that it would be investigated however, I received a quick response from credit bureau on XX/XX/XXXX, saying that they found it to be accurate. 

I contacted XXXX XXXX XXXX with the number listed, XXXX on credit report, and received the number has been disconnected. So I'm not sure how the credit bureaus validated or verified accuracy. 

I called XXXX XXXX on XX/XX/XXXX to ask for verification and documents of how it was verified they couldn't provide me with that. Instead they said they can redispute it. That option didn't satisfy me because I have to wait 30 days till inaccuracies are cleared up from my credit report. This is affecting my credit more so, because the account is not listed in a bankruptcy that already had dropped my score.
Consumer complaint received 2022-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2023-06-09
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. (NV)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX  XXXX Original creditor : XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX Original creditor : 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 2020-03-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: URS Holding, LLC (NY)

Im a victim of identity theft someone got my credit card information and used it when I first noticed it I called the company right away and they canceled my card and sent me a new card. They removed the negative items from my credit report and now Im receiving letters from them