davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-17
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: NCB Management Services Inc. (CA)

According to the FDCPA, specifically 15 US Code 1692 ( c ) ; this is my formal declaration to terminate and cease all communication from you in regard to the debt you are attempting to collect.

In response to the Ceasing Communication Notice, in accordance with the Federal Fair Debt Collections Act, you may only contact me to inform me that there will be no further collection efforts or to notify me that a specific action will take place.

Please be advised that I am well aware of my rights and know that any further contact by you or your company, except a communication, confirming your acknowledgment of this letter, is in violation of the FDCPA.

In addition, any third party that you use to coerce the collection of this debt shall also be in violation of federal law. If you do not cease communication a lawsuit will be commenced against you.
Consumer complaint received 2023-02-17
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

XXXX2022 
capital one auto fin
unauthorized inquiry

XXXX2022
XXXX XXXX XXXX
unauthorized inquiry XXXX/2022
XXXX XXXX XXXX  unauthorized inquiry
Consumer complaint received 2023-02-09
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. (GA)

To whom this may concern, to the creditors at Pull my credit to inquire inquries on my report. I would like for 7 or more inquiries to be removed from my report based on a decrease in credit score.These creditors have been contacted and notified of matter that is being reported to this bureau. Only a soft pull was instructed, not a hard pull. 

Thank you for resolving this matter, XXXX XXXX
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-19
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. (NC)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-01-19
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$11000.00} XXXX XXXX XXXX : {$8200.00}
Consumer complaint received 2022-04-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The credit reporting agencies are not in compliance with FCRA rules when investigating disputes. I am requesting a thorough investigation in a timely manner.
Consumer complaint received 2022-05-25
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. (AL)

EXPERIAN IS REPORTING A CHARGE-OFF THAT IS INACCURATE. 
DELETE XXXX XXXX CHARGE OFF Due to inaccuracies account number is not the same as XXXX OR XXXX Date opened is not the same as XXXX. XXXX is not reporting this charge off at all. XXXX have DELETED THIS CHARGE OFF. 
DELETE CHARGE-OFF IMMEDIATELY
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-03-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (NY)

Credit acceptance finance company repossessed my vehicle for unpaid balance. I informed them that I paid the balance by using the coupon method and sending copies of a 1099a form along with other documents to the IRS and to credit acceptance to discharge the debt. Repossessing somebody vehicle is against the law and it goes against the fdcpa and 15 usc1692f unfair practices.
Consumer complaint received 2022-05-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SANDY SPRING BANCORP, INC. (DE)

Sandy Spring Bank froze my account with no notification. After wasting cumulative hours and multiple phone calks they are refusing to unfreeze or close the account unless I drive to a branch, the closest of which is an hour away
Consumer complaint received 2022-04-22
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. (GA)

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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.al inalienable rights reserved.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-09
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: Shellpoint Partners, LLC (CA)

I received a letter from Shellpoint mortgages services dated XX/XX/2023 that said to opt out on a loan that I never authorized to apply for or gave permission to run inquiry on my credit report. I found an inquiry on XXXX credit report that I never authorized. The letter I received had an actual loan number in it.
Consumer complaint received 2023-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (FL)

Hi, I had taken a Home Loan from XXXX XXXX XXXX  back in XX/XX/XXXX and the service partner in XXXX were XXXX XXXX anXXXX XXXX XXXX is XXXX is Roundpoint Mortgage Servicing Corporation. 

I had purchased the house with 5 % down payment in XX/XX/XXXX and PMI was applied to my loan account, as the down payment was below 20 % There was a substantial increase in the market value of housing property in year XXXX and I contacted XXXX XXXX in XX/XX/XXXX, to remove the PMI as the Loan to Current Market Value is much above than the required percentage, however, they rejected my claim I contacted Roundpoint Mortgage Servicing again in XX/XX/XXXX and I was told that, my case is good for removal of PMI. On further inquiry with them, I was told that, an order to XXXX  was ordered and they will revert to me for appraisal of my property. I did not get any call from them for a week from then and I got back to roundpoint again, to check about it. 

They told me that, the order to the XXXX was issued by mistake and I am not eligible for removal of PMI unless the required ratio of XXXX was brought by pay back or substantial improvement. 

I am not sure, why these servicing companies have rejected my claim all the time. I don't remember any condition, restricting the removal, if the current market value is on or above the ratio of XXXX. I believe that, my current market value is much higher than required ratio and the PMI shall be removed. In fact, I shall be paid back the PMI paid for Year XXXX as then market value of property also were well above the required mark by these companies. 

I am contactable in XXXX XXXX XXXX, in case you need any further information. The contact number of roundpoint mortgage servicing is XXXX XXXX XXXX. The Mortgage / Loan Account number is XXXX. 

The application filed with the roundpoint corporation have been attached herewith as well as rejection letter sent by the XXXX XXXX in XXXX XXXX Please let me know, if I need to do anything further to take this matter ahead Best Regards XXXX XXXX XXXX
Consumer complaint received 2022-05-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. ()

In XX/XX/2022 XXXX ( US ) transferred my accounts ( checking, saving, and credit card ) to Citizens Bank as part of closing its US operations ( without offering me any choice ). 

Citizens has so far made no provision for account holders who do not reside in the USA ( you have to give a US telephone number to register ), so I have no online access at all. At least one person that I spoke to was aware of the problem but said resolution was indefinite. 

Also one can not withdraw funds via its telephone system, so I do not have any access to my money as far as I know. Obviously the situation causes me some difficulty. 

Surely this is strange behaviour for a bank?
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'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 XXXX credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate amendment of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 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. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (TX)

My personal documents ( social security card, birth certificate, ID, passport ) were all stolen in 2016 and have all been replaced since. The use of my identity has occurred since the but I routinely check my credit file to ensure nothing appears in my name that is fraud. After reviewing my credit file, I filed a report with the XXXX Police Department with XXXX XXXX XXXX ( Badge XXXX case XXXX on XXXX in regard the above referenced fraudulent accounts that were opened in my name without my knowledge
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: Experian Information Solutions Inc. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-09
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 — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc (FL)

Multiple loans only reported as late but not reporting on time payments or that they are paid off in full. The company updated information after my dispute but nothing I see has changed.
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. (NH)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or amend this account : XXXX XXXX XXXX
Consumer complaint received 2020-06-08
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: Experian Information Solutions Inc. (AR)

I recently submitted correspondence to all three credit bureaus regarding my identity being compromised with identity stolen an as a result multiple accounts, addresses, and inaccurate bankruptcy have been opened or established in my name without prior consent or knowledge. I completed affidavit report # XXXX through the Federal Trade Commission which is considered a legal document THAT INCLUDED SPECIFIC ACCOUNTS ( XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX  ) Since XXXX, EXPERAIN, OR XXXX  HAS NOT RESPONDED WITH ANY CORRESPONDCE PROVIDING ACCURATE VERIFICATION OBLIGATING ME TO THESE FRAUDULENT ACCOUNTS THAT WERE OPENED FROM IDENTITY THEFT. IN ADDITON SEVERAL OF THE COLLECTORS ACTING ON BEHALF OF THESE FRAUDULENT ACCOUNTS HAVE NEVER EVEN SENT ANY INTIAL 5 DAY NOTICE OF OBTAINING A THE FRAUDULENT DEBT THAT THEY CLAIM I OWE VIOLATING THE FAIR DEBT COLLECTION PRACTICE ACT ALSO ATTEMPTING TO COLLECT ON A FRAUDUELNT ACCOUNT AFTER BEING NOTIFIED BY A CONSUMER REPORTING AGENCY ( XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, AND XXXX XXXX ARE ALL IN VIOLATION. XXXX, EXPERIAN, & XXXX FAILED TO BLOCK FRAUD RELATED ACCOUNTS WITHIN 4 DAYS OF BEING NOTIFED BY A CONSMER AND HAS FAILED TO PROVIDE ANY VERIFICATION PERIOD AND IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT SECTION 605B NOT TO MENTION A DELIBERATE REFUSAL TO REMOVE MY FRAUDULENT ADDRESSES THAT WAS REQUESTED ON MY INITIAL REQUEST. I DONT WANT TO HEAR AN EXCUSE SAYING YOU WILL CONTACT THE DATA FURNISHER FOR VERIFICATION. YOU HAVE HAD MORE THAN THE 30 DAY TIME FRAME ALLOTED FOR TO DO SO AND NOW YOU MUST COMPLY WITH THE FAIR CREDIT REPORTING ACT OR FACE LITIGATION!!
Consumer complaint received 2019-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

This is with respect to Equifax. I have a security freeze on my file and wanted to lift it temporarily to access my file. 

These credit bureaus are making it extremely difficult to work with their websites. Equifax for example keeps locking my account out. I have spent 2 hours today trying to get hold of someone to unlock my login credentials and the person on the other end claims he did it.

I tried to log in again and it is still locked. I am not going to waste another 2 hours trying to get this fixed.

How can I get this resolved?
Consumer complaint received 2023-02-28
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. (AZ)

I took out a title loan XXXX I paid on it for about a yr {$200.00} XXXX, then my financial situation changed. The original amout was $ XXXX and after there check cashing fee I received {$1800.00}. 
The rate in my opinion was usary over 150 %. I made a few payment arrangements but ultimately could not afford to pay any longer. They agreed to sell the vehicle and settle the account for auction proceeds. At that time they had reduced it to {$1500.00} - I agreed to this and voluntarily surrendered the vehicle- which they sold at auction. It should report as settled for less or paid in full. Either way it is reporting incorrectly and I am getting harrassing letters and unable to obtain desirerable credit terms do to this reporting a very large balance ( {$8500.00} ) that continues to grow. This is predatory for sure. I have disputed this several times with the credit bureau and the company. this was a XXXX XXXX XXXX XXXX ( which would easily retail for $ XXXX at the time ). the agreement was that they would settle for auction proceeds. Even so, the sale of this vehicle would have easily covered any remaining balance. They claimed a deficiency balance and continue to charge absobant rates even though I no longer have the vehicle and they successfully sold it at auction. I am requesting that they either remove the item from my credit or report it as settled. I would think it not customary to pursue deficiency ballances that are absorbant and nothing near the original balance- this is hurting my credit and continues to cause me problems when applying for transportation or housing. Please intervene and have them report this as {$0.00} balance and settled or remove it completely - I appreciate your help in this matter as they are bullying me for monies that are simply not due. The companies name is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX. XXXX I will provide you with any info necesary in getting this resolved - Thank You
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Cascade CISS Holdings, LLC (GA)

There are erroneous hard inquiries from these companies on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Xactus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   & I did not apply for these and I called XXXX and XXXX on XXXX to file a dispute, but they ignored my complaint and the hard inquiries remain.