davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Received wire in the amount of {$15000.00} on XX/XX/2024. Transfered {$5000.00} soon after to one of my XXXX Bank accounts. My dates may or may not be exact do to lack of access to my XXXX XXXX checking account. I transferred approximately an addition {$1500.00} to my XXXX account. No issues up to this point. I further requested an additional amount soon after, I believe for approximately {$2500.00}. I waited a few days and didn't hear anything. I finally get a call from Capital one with some questions about this wire request as well as the original {$15000.00} wire I received. I answered with what I thought were accurate answers at the time. The person that wired the money did so as Power of Attorney for the actual account owner. We subsequently immediately provided the power attorney to Capital One which should have answered all their questions but apparently they were standing by their illogical conclusion to close my account. I accepted this ridiculous premise and subsequent closing, only asking for funds to be released. All my multiple calls have been recorded per Capital One, and there have been many. They are apparently " still investigating '' ... ..it 's been almost 6 weeks, money has not been released to either original sender or myself. I have lost out on all the business opportunities this money was meant for and still can not get an answer from Capotal One. The person who sent money is also frustrated as they have tied our money needlessly without logical explainations given. Only that we need to wait and see what the investigator needs. We have provided anything they have asked for but can never get progress from this so called investigator who apparently has no phone number, no email address, no name, no anything that shows he even exists. We wonder who else 's money Capital One is inexusably holding and profiting from, could be quite a scam I am am thinking.
Consumer complaint received 2024-03-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (FL)

I have been making payments to Westlake Portfolio Management since they took over American Car Center last year XXXX. I am receiving misinformation from Representative that work there and my payments are not being applied as I been advised. I was told just recently on XX/XX/XXXX that if I paid {$270.00}. That will take care of my XXXX payment and XXXX is what due. I have statements of what I paid but they are misapplying payments, taking my money for not what I been told but applying for previous months. I have now {$520.00} bill for XXXX and not sure where that extra {$270.00} came from? Someone really need to take a look into this company because it's ridiculous with not trained associates taking people money. I literally just paid {$270.00} on XX/XX/XXXX and it shows on statement but it's like it wasn't applied because I am owing over {$520.00} now. It is very hard to speak to a manager with this company.
Consumer complaint received 2023-07-07
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. (CA)

Please remove this account from my credit report as it is fraudulent and not associated with me. I request that you take immediate action to investigate this matter and remove any other inaccuracies from my credit report.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX {$870.00} XXXX XXXXXXXX XXXX XXXX XXXX  {$4500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-08
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. (IL)

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Balance {$15000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance {$1600.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX XXXXXXXX Balance {$3500.00} XXXX XXXX XXXX XXXX Balance {$20000.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance {$720.00} XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-14
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)

To whom this may concern. I am writing this notice to dispute and remove some incorrect and erroneous items that are illegally reporting, and damaging my credit report. First and foremost, I would like to mention XXXX XXXX XXXX XXXX XXXX  a.k.a Public Law 73-10 which suspended the Standard and exempted US citizens from paying debts, so the provisions of this remedy considered all debts PAST, PRESENT, and FUTURE PREPAID. I would also like to assert the true fact that I AM A CREDITOR, and according to 12 U.S.C 83, No national bank shall make any loan or discount on the security of the shares of its own capital stock. In accordance with the FCRA the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 15 U.S.C 1681 Section 602 A. states that I have a right to privacy. 15 U.S.C 1681 Section 604 A. also states that a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.c 1681c ( a ) ( 5 ) section states that NO consumer reporting agency may make any following items of information any adverse items of information, other than records of convictions of crimes wjich antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( I ) states A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Listed below are the accounts that I DEMAND be removed IMMEDIATELY. 

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
Consumer complaint received 2021-01-12
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. (PA)

XXXX XXXX Balance Owed : {$10000.00} - Account is reporting inconsistent and inaccurate Open Date are showing different dates at each bureau. 

XXXX XXXX  XXXX Balance Owed : {$550.00} - The Open Date on the account has been changed. It is a Violation to Re-aged the open, Please Deleted Immediately. 

XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - This account is showing several violations. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of last activity. These are all violation please remove.
Consumer complaint received 2024-03-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Onity Group Inc. (CA)

Greetings. 
I believe we were taken advantage of by PHH mortgage by burdening us with a " bad mortgage product '' based on several observations. A. We do not have the income to live and afford a large house payment. And each time that I've asked PHH mortgage rep 's what their income requirements were for a {$1200.00} house payment were, I've been disconnected or have been told, no supervisor available. Seems like a " red flag '' for a predatory lender. We have been here for 7 months now and every month I've pulled money from our savings account to either pay bills and to live! For example to be able to rent in this area you need income approximately 3 times what your rent would be. At the end of the day after bills and inflated house payment are made we have approximately $ XXXX. 
To live. Better not have anything unexpected happen. 
B. My wife and I are both XXXX and over XXXX XXXX XXXX. 
C. We were living out of an RV for two and a half years before purchasing this house. 
Which mortgage lady, XXXX new. I did explain to her that we were comfortable with a $ XXXX payment, which then would have giving us approximately {$900.00} to survive the month. 
D. At the time this deal went through, XXXX of XXXX, the market was slow and mortgage people who were involved seemed to be more bent on just making the deal happen verses paying attention to clients actaul specifics, like income evidently. 
C. Also needed to add we found out about Ca. supplemental property taxes till after the deal was signed, unexpected {$700.00}. cost along with what this area calls the XXXX XXXXXXXX XXXX the house insurance another unexpected {$700.00}. charge! After I pull another {$700.00} From savings will be reduced to a XXXX XXXX XXXX  left.
Consumer complaint received 2023-03-08
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. (NJ)

I have been battling these unverified and inaccurate accounts for a while now and this haven't been proven whatsoever. The information across the reporting bureaus is different from each other implying that these accounts have different values and information. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) These accounts are in violation for not reporting 100 % accurate. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX
Consumer complaint received 2019-09-25
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)

I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were  challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2019-09-25
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Atlantic Recovery Solutions LLC (NY)

I kept getting the same repeated phone calls and voicemails multiple times per day. It sounded like a scam so I didnt respond since they never told me who they were on voicemails. I finally got a hold of them on XX/XX/19 when I found out they had called my sister, my father and my brother. They left a very personal voicemail on my brothers cell number. I have asked NUMEROUS times not to call my family members. When I spoke with the company on XX/XX/19. The man I spoke to was aggressive, rude and down right demeaning. I explained I wasnt currently working due to a health issue but I would like to rectify the situation when I can. He got very aggressive after I said that. He was excessively rude. I have a copy of the personal voicemail that he left on my brothers phone line. It was NOT okay to share my personal info with anyone other than me.
Consumer complaint received 2023-06-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC (NC)

I was working with the Flagstar to get a modification on my current mortgage loan and on XXXX the XXXX or so I received a packet from Flagstar with a modification packet. The packet was dated to be signed and returned and notarized by the XXXX of XX/XX/2023 if I wanted to accept the plan that was given to me. My wife and I signed the required documents in the places that Flagstar had stated they needed to be signed. The documents were then notarized and sent back to the within the requested time and in the envelope the provided. At the beginning of XX/XX/2023 maybe a week or so after returning the documents I then got another packet in the mail advising that my modification has been fully executed and attached was a copy of my modification for my records. However when I called to make my payment on the XXXX of the month of XXXX I was unable to do so. I was advised that my loss mitigation case was closed on the XXXX of XXXX and that I couldn't make a payment. I asked why and they stated that the date on documents on page 5 didn't have the same date. I advised that I hadn't received anything regarding that there was any errors and that I had gotten my letter stating that my modification was approved and that the document was signed and dated and stamped by their office. I advised them that I it was and error that I nor the notary saw at the time and neither did they and asked if I could get new documents or even send in the copy that they sent. I have been waiting for a call back from them and have not gotten XXXX. I need my home and I am ready able and willing to make my payment as I told them. I even asked I could just make the payment since they approved it and they wouldn't allow it. And now there is a sale date on my home and I did everything I was supposed and it was approved.
Consumer complaint received 2023-03-08
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. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it once again. It is not permissible to fail to validate this reporting account as unverified information without providing proof. 

Please validate this reporting account : XXXX XXXX XXXX Balance : {$21000.00} This complaint is my follow-up attempt to ensure that the listed account is verified ASAP.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc (GA)

Chime/XXXX XXXX  has been reporting to all XXXX credit bureaus that I have a balance of {$2100.00}. I don't have a balance. I disputed the information with XXXX XXXX XXXX XXXX, I included XX/XX/XXXX, XX/XX/XXXX in the dispute. The account balance was not changed. Chime/XXXX XXXX told them that my account information has been correctly reported. When I call Chime/XXXX XXXX they tell me that I don't have a balance. This is messing up my credit score and hindering me from purchasing a home.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Biltmore Asset Management LLC (CT)

Upon checking my credit report and paying down over {$7000.00} in debt, my credit score keeps dropping lower and lower. I recently found out that a close friend of mine is using my information which shows on my credit report. For what in do not know. But his name appears on the XXXX website and I have prodd of this. My ssn is off by XXXX number or my last name being changed by XXXX letter. Theres also a XXXX Credit card in my name which I did not open. I asked for these to be removed and they still show up. Plus I had a XXXX XXXX card cancelled because of a low credit score and I paid the min payment weekly. Not monthly.
Consumer complaint received 2023-03-08
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. (NM)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-28
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 Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (GA)

I requested that incorrect data be removed from the Lexis Nexis report, and on XX/XX/2024, I received a report with the same data. There are addresses, telephone numbers, and accounts connected to others that are listed as my info. I have been a victim of identity theft in the past as a result of the Department of Veteran Affairs breach ( 2x ), XXXX XXXX, XXXX XXXX data breach, and I am expected to allow those improprieties to remain on my report. The report advised that as a result of the reinvestigation, " the data being reported as unverifiable '' ; however, the information was left anyway. Based on the data from Lexis Nexis, an individual with my same first name, same initial, and last name has data on my report due to residing in the same geographic area. There seems to be no real standard for Lexis Nexis to remove the information, as they are paid by companies for said info, which in my case is frivolous in many areas. Since the data is inaccurate on the Lexis Nexis report, which feeds to the 3 major credit bureaus, I am forced with a negative credit report burden that I did not create, but am forced to suffer the consequences.
Consumer complaint received 2022-09-05
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # 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.
Consumer complaint received 2019-09-25
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. (TX)

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

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.

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 


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.