davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-25
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. (NY)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. Thank you. 
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 2023-01-20
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. (GA)

This is the third dispute with XXXX and TransUnion regarding the deletion of the Bankruptcy reporting ( case number XXXX with a case filing date of XX/XX/XXXXXXXX  and close date of XX/XX/XXXX the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) . In addition to the investigations going well beyond the required 30 days. 

XXXX correctly deleted the reporting because it was unverifiable with the original vendor. However, despite providing evidence in the form of a letter from the Bankruptcy court that they do not report to the credit bureaus. XXXX and Transunion have not deleted the reporting and are in violation of the FCRA. XXXX and TransUnion did not and have not provided proof of who they verified the account i.e. the original vendor being the NXXXX XXXX XXXX XXXX XXXX XXXX XXXX  or a third-party vendor. 

Therefore, this is grounds for the deletion of the reporting. Please hold them accountable for this violation and instruct them to delete the reporting. immediately.
Consumer complaint received 2023-02-09
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. (NJ)

never did any business with this company, had all my id 's stolen from my apartment in 2019 keep having problems with identity theft, social security denied giving me new social security number which would solve this problem.
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital one Keeps on closing any account that I open with them usually within the first few month regardless if its a personal or a business account and regardless if its a credit card or a checking account and they dont give any reason other than that they are exercising their rights After many attempts I finally got some formal response where someone said that capital one detected that I used my personal credit card for non personal use Which is False I used it to pay Hospital bills while my father was in the hospital and I never used it for business
Consumer complaint received 2020-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MA)

I made a mobile deposit into my checking Account at USAA, after the deposit was made they placed a 3 day hold on my deposit and on the XXXX the fraud department released my funds and the account was back to normal. on Monday they froze my account again starting that the check is getting returned. how ever I spoke to the other bank and they advised me that check was cleared on the XXXX of XXXX. USAA is refusing to release my funds or to activate my account.
Consumer complaint received 2024-02-26
Product: Credit reporting 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 to file a formal complaint regarding fraudulent items that have appeared on my credit report. Despite repeated attempts to dispute and remove these items, they persist, causing significant damage to my creditworthiness and financial standing. 

I have submitted multiple disputes and provided extensive documentation and evidence supporting my claims of fraud. However, to my dismay, these efforts have not resulted in the removal of the fraudulent items from my credit report. 

It is imperative that immediate action is taken to thoroughly investigate these fraudulent items and remove them from my credit report. Their continued presence not only damages my credit score but also undermines my financial integrity. 

I request that you expedite the resolution of this matter and provide regular updates on the progress of the investigation. Transparent communication throughout this process is essential to restoring my confidence in your organization and ensuring a satisfactory resolution. 

Failure to address this complaint promptly and satisfactorily will leave me with no choice but to escalate this matter further, including seeking legal recourse and involving regulatory authorities. I am asking for your assisstance to remove these fraud items 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
Consumer complaint received 2023-05-25
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. (SC)

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 : # Account Name : XXXX XXXXXXXX ACCT # XXXX Account Name : XXXX - XXXX XXXX ACCT # XXXX Account Name : XXXX XXXX ACCT # XXXX Account Name : XXXX XXXX ACCT # XXXX Account Name : XXXX XXXX  ACCT # XXXX Account Name : XXXX XXXX XXXX  ACCT # XXXX AccountName : XXXX XXXX XXXX ACCT # XXXX Account Name : XXXX XXXX XXXX ACCT # XXXX Account Name : XXXX XXXX XXXX  ACCT # XXXX Account Name : XXXX XXXXXXXX XXXX ACCT # XXXX Account Name : XXXX XXXX  ACCT # XXXX Account Name : XXXX XXXX ACCT # XXXX Account Name : XXXX XXXX  ACCT # 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 2023-06-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AUTOMOTIVE CREDIT CORPORATION (NV)

The car ( XXXX XXXX XXXX ) was listed for {$14000.00} on XXXX  second XXXX  in XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NV. I gave {$1000.00} as a down payment with a monthly payment of {$430.00} and car insurance for {$370.00}. After almost two years of payment I am 83 days behind and still have an balance of {$14000.00}. I've been in the need canceling the insurance and unregistered the car because I can't keep up with the payments because I'm a XXXX  mother head of household. I have tried to refinance the car and have been denied from there end stating that they will have to repossessed the car.
Consumer complaint received 2022-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

REPORTING OF ADDRESSES THAT ARE NOT MINE


MY NAME IS XXXX XXXX XXXX 


MY ADDRESS IS 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
MY PHONE NUMBER IS XXXX XXXX XXXX

MY EMAIL ADDRESS IS

XXXX


MY SECOND HOME ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX


15 U.S. Code  1681i

THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE
Consumer complaint received 2022-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

REPORTING OF ADDRESSES THAT ARE NOT MINE


MY NAME IS XXXX XXXX XXXX 


MY ADDRESS IS 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
MY PHONE NUMBER IS

XXXX XXXX XXXX

MY EMAIL ADDRESS IS

XXXX


MY SECOND HOME ADDRESS IS 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX


15 U.S. Code  1681i

THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE
Consumer complaint received 2023-06-27
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

On XX/XX/2023 USAA FSB sent me a message that they were sharing my info with XXXX XXXX and to check my profile. I couldn't't find anything on my profile about the sharing with XXXX  so I called USAA. After being put on hold, transferring me to a few people, disconnecting me, I called back and was not able to get any answers. I asked to speak to a supervisor but none was available
Consumer complaint received 2022-12-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I thought I was supposed to receive a letter from you guys but I haven't received anything, I know that you received the letter I sent on XX/XX/2022 but it seems you've just ignored it. I'm seeking help to the CFPB about this matter so you will know this matter is of great importance.
Consumer complaint received 2020-04-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (IL)

On XX/XX/XXXX and again today ( XX/XX/XXXX I have been completely locked out of my American Express blue bird account. I cant access via mobile or website, no online purchases and can not take money out of the atm. No one answers the customer service number and when they do they give a quick rehearsed speech then hand up
Consumer complaint received 2024-02-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY ()

okay the company closed my checking account bc they foud a fake check deposit to the account but they dont care nothing i not called them bc i was thing was a spamm messege but when i got the suprice on the mail they told i deposit a fake check into my account about {$1000.00}, them i was so nevers bc i was XXXX when my dads open my acount i cound get the check bc i not XXXX i not pay taxes for the check i was younger i dont was working at moment so they closed my account them when i want to open to new bank account i cant bc i on XXXX XXXX XXXX and i XXXX  what I want is to delete that thing on my Name actually somene was stelling my dads car and theirs was my NSS and my Certificate i think thats how they got my personal information or something them a move to other country and i cant to conctac to the IRS to see what i can do for recovery my personal information pleases help me i want my name free of that staff
Consumer complaint received 2023-05-25
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. (CA)

Im filing a complaint to you today to inform you I was the victim of identity theft and I want the erroneous items in my credit report to be removed immediately. I already sent the necessary documents and files in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this website. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$82.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6100.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$370.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-11-05
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: EQUIFAX, INC. (IL)

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 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 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 of convictions of crimes which antedatesthe report by more then 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
Consumer complaint received 2021-06-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc (TX)

My original mortgage was sold to another company - Mid America Mortgage. My taxes were assessed and my escrow amount increased. I paid the amount in full in order to avoid an increase in my monthly mortgage note. The company did not apply the amount to my escrow. This has been 2 years of a battle, I call at least once a month. I speak to multiple different employees, supervisors, etc. I have been promised the error has been corrected. However, since then - my insurance was not paid out of my escrow - as was originally set up. And each month, I get charged for late fees and past due amounts. Even though I have paid every month on autodraft from my bank, have always paid each month in full or over, have paid my escrow in full. I have been promised each month this would be corrected. It has not been corrected. I attempted to refinance with a different company, however due to mid americas error, it looks as if I am in poor standing on my mortgage. but I have paid every single month. one representative even admitted there was no incentive to correct the problem because I would refinance with another company. I have never had this issue with any mortgage company before. I am infuriated that I pay my bills - in full and on time - and their error reflects poorly only on my end.
Consumer complaint received 2023-02-11
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-04-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (GA)

Pursuant to 15 USC 1692c. ( C ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums. Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and original creditor I am demanding all of the following : XXXX out the balance on this account. Grant me my title lien free. Pay the attached invoice and compensate me for every violation labeled in the attached exhibits. Deletion from all consumer reports
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

A credit card with XXXX XXXX  shows on my credit report with a limit of {$300.00}. It is showing that I am 30 days past due. I never opened any card with XXXX XXXX. This account does not belong to me. I have filed a dispute with Experian and called XXXX to file a dispute with them as well. The woman on the phone took my information ( name, address, phone # etc ) and said she would look into it. The dispute came back as accurate and it is NOT. This is a fraudulent account and it is negatively impacting my XXXX XXXX.
Consumer complaint received 2020-01-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (TX)

On XX/XX/XXXX this debt was opened and put on my credit report for {$5400.00}. Thus us not my debt I was given a document from the original creditor with a {$0.00} balance XX/XX/XXXX.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-25
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. (CA)

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 this item 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 2022-03-01
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: MEGA CAPITAL FUNDING INC. (CA)

I have a signed Loan Estimate disclosure document with XXXX XXXX XXXX XXXX, XXXX confirming my rate lock contract at 3.875 % is good through XX/XX/2022. 

Today, XX/XX/XXXX, they have issued an email to my broker saying they will no longer honor this rate and all rates for this loan product are now at 4.75 % Lock Desk XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX How this is even ethical is beyond me. If this is allowed, it takes away all confidence any consumer has with a rate lock. Allowing a lender at their own discretion to ignore any contracted rate locks can detrimentally hurt all consumers financially along with taking away the faith that these rate locks are meant to represent.
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CO)

This past month I submitted a dispute of student loan payment " late 's '' which were in XXXX  XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX. This was clarified and is accurate. 

However Experian added prior " late 's '' to my report which were past the seven year deletion rule. They added seven late 's prior to the XXXX  ones. 

Experian 's own information supports this contention.
Consumer complaint received 2023-07-23
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mr. Cooper Group Inc. (LA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat c payment on a credit card account under an + open end consumer credit plan as late for on purpose. 
XXXX
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX