davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-26
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: Experian Information Solutions Inc. (TX)

On XXXX XXXX  # XXXX, I received an alert from XXXX  ( Experian ), Experian has updated a collection my credit report today without allowing me to dispute and I don't have direct energy and just move back to this place on XX/XX/XXXX. Per XXXX XXXX, states amount is {$520.00}. and last pay for in XXXX and stated XXXX states it will be on my credit report until XXXX with again violates the law but, I have a right to view all claims but, XXXX XXXX and XXXX ( Experian ) has violated my rights. I don't have bad credit but, XXXX  just put this on my credit without giving me any rights to dispute this with them or XXXX XXXXy sending me notices with FDCPA give my rights with both parties have violated..This also stops me from getting Student Loans and it violates again on report due to the fact of me having good credit WHICH XXXX XXXX and Experian just stopped me from continuing with violates the laws on report not only, put something on file without allowing me the RIGHTS TO DISPUTE>.I DONT HAVE ENERGY WITH YOU. I can also get my current Electric company to validate that i have no claims against my Electric history..
Consumer complaint received 2020-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

XXXX  employees have been deleting my account information after Capitol One sends false debts to the credit bureau. 

As shown by the pdf photos provided, there is no payment history on my XXXX  account member ID:XXXX for the month of XXXX, yet there is a debt balance of {$1.00} for the month of XXXX. 

( This {$1.00} amount is consistent with my on time capitol one payment for the month of XXXX as shown by the pdf photo provided ) I also have confirmation transcripts from XXXX  employees stating XXXX  deletes account info. 

XXXX  Dispute Department of XXXX  Employee : XXXX team : XXXX, Site : XXXX, Texas XXXX XXXX 1 hour 32 minutes 39 seconds XX/XX/2020 " Capitol One did not report for the month of XX/XX/2020 '' " Capitol One reported to XXXX  before the due date was even due, and it has been like that since XX/XX/XXXX and they had been reporting on the XX/XX/XXXX of each month '' " a lot of information is missing from the report and erased from the account '' Direct line for the Dispute Department XXXX  agent women named XXXX XX/XX/2020 at XXXX XXXX : " Capital One reported no information for the month of XX/XX/2020. '' " Your account information has changed since the XXXX  agent XXXX spoke with you last week, your due dates are now noted as the XX/XX/XXXX of each month '' Furthermore, as seen by the pdf photos of XXXX and Capital One, it is fact that Capital one has sent false multiple debts to XXXX  for XX/XX/2020 and XX/XX/2020 which negatively impacted my credit score. 

FCRA regulations state creditors ( Capital one ) has to report accurate information to reflect on the credit report. 

Capital One is in violation of FCRA regulations as shown by the evidence pdfs provided. 

XXXX  employees are deleting information sent by the creditor Capital One and have erased information from my account. 
XXXX also has a XXXX  XXXX system which is not providing accurate information. As shown by the pdfs, when a false debt is removed from my account, my score dropped 27 points.
Consumer complaint received 2021-08-02
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. (CT)

Experian has been reporting a XXXX XXXX Student loan on my credit report which has passed 7 years from the date of delinquency. the date of delinquency occured in XX/XX/XXXX and should have been deleted of my credit report in XX/XX/XXXX. It has been over 3 months and repeated attempts to get this removed from my credit report on experian has failed.
Consumer complaint received 2021-08-02
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: EQUIFAX, INC. (TX)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - Reporting inquiries without my permission, Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) - You are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. And some false information from my credit report. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2020-06-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (OK)

Quicken sent out a loan estimate to me and then took it back and gave me a higher rate with no proof or change in circumstance for why it changed. 

My loan estimate was for 2.75 % at 25 years and a loan balance of {$140000.00}. 

Once I agreed and asked about a rate lock, they tried to take back the estimate provided. They are now stating I need special approval just to get 2.99 % at 25 years and a loan balance of {$140000.00}.
Consumer complaint received 2021-08-02
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. (TX)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-08-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (IL)

I believe that my rights have been violated as a Consumer in this consumer credit transaction. I was told that my loan was a direct lending loan and that I had different options as a person who goes about getting a loan indirectly. Ive called to get this rectified several times and my account got sent over to the Executive office. I found out that they were not placed as a lien holder on my vehicle and now they are attempting to place themselves on my vehicle as a lien holder. Ive attached an affidavit of Truth and Facts along with a Validation of debt and a invoice with the consumer laws Wells Fargo has violated. Under 15 USC 1635a, I have a right to rescind any Consumer credit transaction and it should've been disclosed to me in which it was not, which is a violation of Truth in Lending. Also 15 USC 1635b gives me the right to return money or property following rescission, in which I didn't have a choice to do so as it was not disclosed and is a result of a violation of Truth in Lending. *THIS information stated is in the AFFIDAVIT ATTACHED***
Consumer complaint received 2021-08-01
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. (SC)

It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over sixty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. 
I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely effects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!
Consumer complaint received 2021-08-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Peter Roberts & Associates, Inc. (MA)

My name is XXXX XXXX formerly known as XXXX XXXX. There are a number of collection unvalidated accounts from Peter Roberts and Associate 's that I have no knowledge of. These unvalidated accounts are hurting my life financially. I need this items removed immediately because there has been no proper validation pursuant 15 U.S.C 1692g. These accounts are a violation my consumer rights and need to be deleted immediately from my consumer credit reports. These accounts are also violating 15 U.S.C 1692e False or misleading representation. Please remove these accounts ASAP or I will gladly pursue litigation and exercise my rights pursuant to Title 15 Sec 41 under the Consumer protection act.
Consumer complaint received 2021-08-02
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: NAVY FEDERAL CREDIT UNION (NJ)

the following accounts that appear on my credit report are unauthorized, do not belong to me, and are hurting me Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft NAVY FCU Account Number : XXXXXXXXXXXXXXXX**** This is not mine.
6. Identity Theft NAVY FCU Account Number : XXXXXXXXXXXXX**** This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX  Account Number : XXXX This is not mine. 
Identity Theft NAVY FCU Account Number : XXXX This is not mine. 
Identity Theft NAVY FCU Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2021-08-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NJ)

My citi account was flagged for closure around XXXX because one of the transfers from another one of my checking accounts ( from XXXX ) didn't go through successfully had to be reversed. I was told I would receive a check in the mail with the remaining funds ( {$22000.00} ) in the account ( funds that I deposited from other accounts of my own ). I couldn't transfer these funds out of the account because it was locked. It's been 6 month 's now and I never received a check. 

One customer service representative also suggested opening a Citi account so I could transfer the funds from the locked/closed account into it because I wasn't getting a check. After I opened a new account and called back, another representative said that I actually couldn't do this and to wait for the check to come again in two months time. 

I've called Citi 10+ times now throughout the course of these 6 months and today ( XX/XX/2021 ) after calling again because I still haven't received a check, they told me that the account was closed and that I don't have any funds that will be sent to me - essentially telling me that they're not going to give me the {$22000.00} back. They have also seemed to closed down my online access to any Citi accounts that I have recently, which is lovely of them too do so.
Consumer complaint received 2020-12-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (IA)

The company Freedom Mortgage duplicated my tax assessment and payment on XX/XX/2020. After notifying them on. Inertia phone calls they finally acknowledged the error, but will now not update my escrow payment. Every time I make contact they push back the target date for this to be updated. If the shoe were on the other foot Id be in foreclosure, but they are allowed to do whatever they want. They never call me back and never follow through with resolution promises.
Consumer complaint received 2020-12-24
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND I CAME ACROSS SOME ACCOUNTS AND INQUIRIES THAT WAS REPORTING ON MY CREDIT THAT DOES NOT BELONG TO ME. THE ACCOUNTS AND INQUIRIES HAVE NO CONNECTION WITH ANY TRANSACTIONS THAT WAS MADE BY ME. I WOULD LIKE FOR THIS MATTER TO BE RESOLVED AS SOON AS POSSIBLE BECAUSE THIS SITUATION HAS CAUSED A VERY BAD LOOK ON MY CREDIT FILE.
Consumer complaint received 2020-12-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (TX)

Closed on loan # XXXX Loan Care on XX/XX/2020. 
Failed to file mortgage discharge with the recorder of deeds for 109 days. 
Had a shell company file the mortgage discharge - called " XXXX XXXX XXXX '' from a branch in XXXX Washington, whose corporate address is in XXXX Colorado. 
Per RI General law 34-26 they owe the state of RI a {$50.00} penalty and {$5.00} per day after 30 days of not filing for a total of {$440.00}.
Consumer complaint received 2021-08-02
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: AMERICAN EXPRESS COMPANY (NJ)

the following accounts that appear on my credit report are unauthorized, do not belong to me, and are hurting me Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft AMEX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX  Account Number : XXXXXXXXXXXXXXXX**** This is not mine. 

6. Identity Theft XXXX XXXX  Account Number : XXXXXXXXXXXXX**** This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX-XXXX**** This is not mine. 
Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-08-02
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. (NJ)

XXXX XXXX  is reporting its tradeline, as if it were not paid. and after Charge off. The status of these tradelines were changed and, as the result of my last dispute and are in fact inaccurate, adding to the incomplete status of this tradeline. 

XXXX The XXXX Date is inaccurate. 
There was no XXXX Date, until updates occurred in XX/XX/XXXX Now the Date is inaccurate The Payment History puts the XXXX XXXX date as XX/XX/XXXX The Balance/Rating History is Incomplete The Status was Paid, Closed. {$290.00} written off to Account charged off. {$290.00} written off The Account was paid off to XXXX and in XXXX of XXXX It was half reported before my last dispute now, its been changed to a value that reflects it was not I believe it should say Paid after Charge off? 

Transunion Maximum delinquency for the month of XX/XX/XXXX is inaccurate and payment for {$290.00} is not displayed in my payment/balance history for this tradeline which violates XXXXMetro2 guidelines
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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 2021-08-01
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)

I XXXX XXXX, am a natural person, original creditor and federally protected consumer. EQUIFAX is reporting fraudulent, unvalidated, and misleading information on my credit report. I began disputing the fraudulent and misleading activity on XX/XX/2021. I requested validation of the accounts in question. EQUIFAX has not validated any of the disputed inaccurate information and is in violation of 15 U.S. Code 1692g ( a ) ( 1-5 )., EQUIFAX mislead me into believing that disputed items were accurate but failed to provide proper proof of accuracy pursuant to 15 U.S. Code 1681a ( e ). Furthermore I have a right to privacy as a federally protected consumer, and EQUIFAX is willfully furnishing information without my direct written consent. Under 15 U.S. Code 1681b it states that a consumer reporting agency may furnish a consumer report under the following circumstances ( 2 ) In accordance with the written instructions of the consumer to whom it relates. EQUIFAX is in direct violation of 15 USC 1681b ( 2 ) because I have not provided them with any written permission to report anything to my consumer report. I have sent EQUIFAX validation letters, cease and desist, and an notarized affidavit of truth that has went un-rebutted by EQUIFAX therefore it stands as truth and yet they have still refused to cooperate. EQUIFAX has caused me much mental abuse, mental anguish, and mental harm as a result of their fraudulent and criminal practices. I have tried multiple times to resolve this issue directly with EQUIFAX but they refuse to lawfully cooperate and insist on violating my rights as a natural person, original creditor and federally protected consumer. EQUIFAXS actions against me are not only misleading and harmful to me but also criminal and fraudulent and they should be held liable for their criminal activity.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

I HAVE CONTINUOUSLY CHALLENGED THE INACCURACIES IN THE INFORMATION PROVIDED TO EQUIFAX, XXXX, AND XXXX. UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED AT THIS TIME. 

EQUIFAX : This account is not mine : XXXX  - XXXX XXXX : This personal information are inaccurately reporting in my consumer report : Incorrect DOB - XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
EMPLOYER - XXXX XXXX - This in incorrect. Please remove this immediately and only report accurate information. 

This account is not mine : XXXX - XXXX XXXX : This personal information are inaccurately reporting in my consumer report : Incorrect Name - XXXX, XXXX , XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
EMPLOYER - XXXX XXXX XXXX - This in incorrect. Please remove this immediately and only report accurate information. 

This account is not mine : XXXX - XXXX
Consumer complaint received 2021-08-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: MoneyLion Inc. (CA)

On Sunday morning, XX/XX/XXXX, I received two emails from a service called MoneyLion. The first email notified me of a phone number update on an account that I did not open. The second email notified me of a change to the address on the same account. I went to the service 's website and used my email address to change the account password so I could see what was going on. On login, I found my first name and last initial on the profile page, along with my DOB. I am not able to see whether the SSN matches mine or not. The phone number and address do not belong to me. I also have noticed that there is a credit card associated with the account, ending in 4 digits that do not match any of my credit cards. It appears as tho the scammer who opened this account is using PII from a number of sources for purposes of fraud. In order to protect my own PII, I have not changed the address or the phone number and I took screenshots of the information on my phone. The service made me download their app and log in from my phone to see this information. There are no options in the app to cancel a membership or request that they delete or close an account.

I attempted to contact MoneyLion immediately. The service seems to offer a range of personal loans and something called " XXXX, '' with a corresponding membership fee that I can neither find details on nor cancel. They have no " report fraud '' or other emergency security contact information, and when I called the customer service number, I got a message saying they are closed ( Sundays ). I plan to try and call again tomorrow and I have sent two complaints via email, explicitly asking for the account to be closed. The service 's lack of security protection or fraud support as well as the questionable design of the systems are deeply frustrating and I encourage you to investigate this service.
Consumer complaint received 2021-08-02
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: BARCLAYS BANK DELAWARE (WI)

2 charges made on XX/XX/2019 for {$91.00}. called and filed dispute. Received letter on XX/XX/XXXX acknowledging dispute and letter XX/XX/XXXX asssigning case # and a form to fill out which I did and returned. Letter XX/XX/XXXX & XXXX again mentioning dispute and case # 's. 
XX/XX/XXXX letter indicating closed account for investigation purposes. Letter on XX/XX/XXXX indicating that I do not need to " pay any portion of the disputed amount ''. Continue to receive statements and was also charged a fee for not paying. Have called numerous times and talked with dispute department and fraud squad and still nothing is solved. 
In the meantime I am being billed and charged fees. The company is Barclay Card.