davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. ()

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXXXXXX XXXX Date of inquiry : XX/XX/2XXXX XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXX
Consumer complaint received 2021-01-08
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: Account Resolution Corporation (MO)

I sent certified letter to validate a debt with Account resolutions on XX/XX/2020. After 30 days I didnt receive an response from them so I dispute it with XX/XX/XXXX on XX/XX/XXXX and sent proof of my receipt! They after a few weeks said it was verified as correct and would stay on my. I called today and got the runaround with getting hung up on acting as if cant hear me transfers then I spoke with an agent who was professional yet rude and unhelpful and in so many words said they wouldnt take it off my credit report and cant provide me with information they verified as correct to keep on report! Im at a lost I followed protocol but neither will do anything to help! Ive had full financial assistance from hospital stays so I need proof of where and the debt is???
Consumer complaint received 2023-03-05
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: NAVY FEDERAL CREDIT UNION (MD)

There is an account on my credit profile from NAVY FEDERAL CREDIT UNION with the account number XXXX. I have not received any goods or services from this company. I have never done any business with this company. This company has illegally obtained my Nonpublic Personal Information per 15 U.S. code 6802. For example, my name, social security number, and date of birth. Only a signed contract between me, the consumer, and NAVY FEDERAL CREDIT UNION would make me legally bonded to any debt that they may claim. I have never provided any wet signature or Nonpublic Personal Information to this company on any agreement. 
Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless the such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt-out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) the such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to a such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to a such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 


I have not received any debt validation notice from NAVY FEDERAL CREDIT UNION as they were lawfully required to provide to me, the consumer per FDCPA laws. Therefore, I was not rightfully able to dispute this account before they unlawfully caused harm to my consumer report. This is a request for proof of delivery/receipt that NAVY FEDERAL CREDIT UNION has sent a debt Validation Notice to me, the consumer. Written and verbal communication directed via FDCPA was not provided to me, the consumer ; allowing me to properly dispute this invalidated debt.
Consumer complaint received 2021-01-08
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: EQUIFAX, INC. (GA)

I Have been an a victim of Identity Theft for a few years now. XXXX XXXX XXXX XXXX placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person.REMOVE THE FRAUD ACCOUNT ASAP!
Consumer complaint received 2021-01-07
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. (UT)

I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611. Equifax is the reason why this has happened!
Consumer complaint received 2021-01-08
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: AmerAssist A/R Solutions, Inc. (CA)

AmerAssist collection services XXXX, Account Number XXXX has been contacting family members, and left message on their cell phones saying that they, my family members, were named in a lawsuit against me because they share the same address. The matter involves what they say is {$380.00} in debt for braces of which is advertised as offered as a kit on there site for {$25.00} at XXXX. In fact, I am owed an over payment of {$95.00}. They have contacted my brother and mother at their personal cell phones with these threatening calls. I contacted the original creditor who is XXXX XXXX XXXX and notified them that they owe me {$95.00}.
Consumer complaint received 2021-01-08
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: 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 2021-01-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2024-03-22
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. (IA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2021-01-08
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: EQUIFAX, INC. (MD)

AFTER CAREFULLY REVISING MY CREDIT REPORT, I CAME ACROSS SOME ACCOUNTS THAT HAVE BEEN REPORTING ON MY CREDIT THAT I HAD ABSOLUTELY NO KNOWLEDGE OF. THE ACCOUNTS DOES NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME. I AM ASKING THAT AN INVESTIGATION TAKE PLACE ON THE ACCOUNTS SO THAT MY CREDIT FILE CAN GO BACK TO IT'S NORMAL SENSE AS SOON AS POSSIBLE.
Consumer complaint received 2021-01-08
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. (MD)

AFTER CAREFULLY REVISING MY CREDIT REPORT, I CAME ACROSS SOME ACCOUNTS THAT HAVE BEEN REPORTING ON MY CREDIT THAT I HAD ABSOLUTELY NO KNOWLEDGE OF. THE ACCOUNTS DOES NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME. I AM ASKING THAT AN INVESTIGATION TAKE PLACE ON THE ACCOUNTS SO THAT MY CREDIT FILE CAN GO BACK TO IT'S NORMAL SENSE AS SOON AS POSSIBLE.
Consumer complaint received 2021-01-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2020 I sent a letter regarding in accurate and unknown information on my credit report. Til this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. In Section 611 ( a ), it is plainly stated that a failure to investigate these items in 30 days gives a reason to remove those items from my credit report. It has been an 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was impacted by the Equifax data breach and may have gotten in the wrong hands.
Consumer complaint received 2021-01-07
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: Capio Partners, LLC (GA)

I am suffering from identity theft crime. Someone used my personal information to obtain credit goods without my authorization. The problem was reported to three major credit reporting agencies back in XXXX, 2020. 
XXXX  and XXXX XXXX found all accounts that I reported to be fraudulent and removed them successfully from my personal credit report. 
XXXX  is not accepting all of identity theft reports ( FTC and XXXX county police ) and continuing to post few fraudulent accounts on my credit report. 
Those accounts are listed as XXXX XXXX XXXX XXXX CAPIO PARTNERS LLC XXXX CAPIO PARTNERS LLC XXXX I have requested verification and validation of these accounts, but XXXX  nor the creditors of these accounts never followed with my demand. I believe that both parties are in violation of FCRA and FDCPA.
Consumer complaint received 2023-03-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-01-08
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: Santander Consumer USA Holdings Inc. (OH)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XXXX XXXX, 2020, SANTANDER CONSUMER USA, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-10-02
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NATIONWIDE MORTGAGE BANKERS, INC. (SC)

Please see the attached detailed letter with all dates, comments, etc. This complaint concerns Mr. XXXX XXXX, Nationwide Mortgage Bankers Inc., NMLS number XXXX. He should never be permitted to engage in brokerage services.
Consumer complaint received 2023-01-08
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. (UT)

DO NOT CLOSE THIS COMPLAINT. This is a legitimate complaint made by me not a third party company. I was the victim of identity theft, they got medical care and used my name.
Consumer complaint received 2021-01-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Vellum Mortgage, Inc. (VA)

I refinanced my home around XXXX XX/XX/XXXX for {$390000.00} with Vellum Mortgage in XXXX, VA. There is no prepayment penalty and Vellum 's own statements explicitly state that any additional funds will be applied to principal while also giving me the option to be more specific as to where the funds should be applied. Vellum refused to apply additional funds to my principal balance and told me their policy was to hold it all in an escrow account for future transfer to whichever company may acquire my loan. I made 2 payments, with an additional {$510.00} in each payment. I contacted the company to rectify this after it was obvious what happened the first time. I then received a corrected statement showing my payment was applied to principal. After the second payment I requested an update and it was then I see that the document they sent me was falsified and they did not apply my additional funds, now totaling {$1000.00} to my principal which resulted in me paying additional interest that I would not have otherwise. My loan has been sold effective XX/XX/XXXX and my additional payments, if applied on XX/XX/XXXX still result in me paying additional interest and my loan amortizing slower than if my payments had been applied correctly.
Consumer complaint received 2021-01-08
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have disputed these accounts several times with Capital one, the credit bureaus, and with the XXXX, but to no avail. They are reporting false information on my credit report, and it needs to be deleted as soon as possible. Capital One is reporting 3 different dates of last activity, late payments after charge off, late payments after close date - remove immediately. Capital One is in violation by continuing to report these unverified and inaccurate accounts.
Consumer complaint received 2020-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (FL)

XX/XX/2020 PAYMENT DISPUTE To whom this may concern at Consumer Financial Protection Bureau, I am contacting you to inform you that I am disputing an {$11.00} charge that is added into my overall balance masked as a payment which should appear as a deduction this way - {$11.00} for payment. This occurs in my XXXX statement ( XXXX ) for a XXXX extra charge of interest that is supposed to be deducted from the overall interest, because I enrolled in the Payment Assistance Program on XX/XX/2020 with my payment status as in good standing. This program lowers the interest, which lowers the minimum payment, and the account is suspended to disallow any purchases until I complete the program for a year. This occurs again in my XXXX statement ( XXXX ) for XXXX, which adds interest back on to my account. Discover Card is Breaching their contract with me and breaching the agreement that they made with me when I enrolled in the Payment Assistance Payment Program to lower the interest rate on the then balance of {$930.00}. Your help is greatly needed in this matter. Please view the account statements that I have uploaded with this written statement. 



Thank You, XXXX XXXX
Consumer complaint received 2021-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: BBVA FINANCIAL CORPORATION (TX)

Recently opened a new credit card account. Noticed the card includes a cash advance limit of {$10000.00} which I will not use nor do I want included as part of this card. On XX/XX/XXXX, called customer service, as directed in a secure message to request same of XX/XX/XXXX, to request cash advance limit could not be adjusted.
Consumer complaint received 2020-09-26
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. (TX)

Experian Credit Reporting Organization is reporting a closed account for XXXX XXXX XXXX with a balance of {$19000.00} and a monthly payment of {$650.00}. That account was closed XX/XX/2019 with a XXXX  balance.
Consumer complaint received 2023-08-23
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: Neon Newco Corporation (WA)

I was stuck in Florida and bought a NetSpend card at a Love 's truck stop because I needed to get an XXXX to the airport the company refused to activate the card told me to call back on Monday so I then walked the XXXX MI half of it that night and then the next morning after spending all night on a bench at a bus station bus the rest of the way to the airport almost missed my flight when I returned home I contacted NetSpend and asked them why I could not be activated they still have not given me any reason besides I can not validate and address for an old account which I had XXXX to XXXX years ago they made no effort to give me back my money the amount of distress that I went through is unimaginable I starved for almost 2 days because I put every dime I had on that card thinking that I would be able to use it and it would be safe all they do when I call is past me around from representative to representative and basically tell me that I receive my money when they decide to release it
Consumer complaint received 2021-01-08
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: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX EXPERIAN XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to provided within fifteen ( 15 ) days of the completion of your reinvestigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding the alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. 
I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. 
I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal.XX/XX/XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Consumer complaint received 2023-02-08
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. (TN)

In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX, XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX opened XX/XX/XXXX, XXXX XXXX opened XX/XX/XXXX, XXXX XXXX opened XX/XX/XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have my right to privacy 15 U.S.C 1681 section 604 A sectition 2 : it also states consumer reporting agency can not furnish an account without my written instructions.