davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-21
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. (TX)

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-06-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (MI)

I recently received a debt collection notice from Southwest Credit Systems LP. This was for a debt owed from XXXX and during a time when I did not have a XXXX account. After contacting XXXX they noted that the account was fraudulent, at an address I have never lived, and with a person/phone number that I do not know. This is now on my credit report and negatively impacting my credit, despite me never having this account.
Consumer complaint received 2022-02-15
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XXXX XXXXand still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM 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 XXXX XXXX  XXXX XXXX XXXX XXXX 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 2020-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX I am Authorized user only ... .. Remove from my report. 
XXXX XXXX SS XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB XX/XX/XXXX -- -- -- - As above XXXX XXXX is authorized user only as XXXX. BOTH authorized users XXXX XXXX XX/XX/XXXX. 

Please remove XXXX XXXX XXXX XXXX Authorized user only!!!!
Consumer complaint received 2019-07-07
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I have called and emailed letters to XXXX XXXX XXXX XXXX in XXXX and XXXX of 2017 to remove late payments that were posted to my account, and again I contacted them for late payments that were posted to the credit bureaus on XXXX and XXXX of XX/XX/2017. The payments have been removed and then reposted to my account, but for the last 2 years have been moved. It is affecting my credit score. I don't understand why the account will reflect a late payment for XXXX, and then XXXX, then will get changed from XXXX to XXXX. It also has been moved from having a late payment in XX/XX/2017, to XX/XX/2017, on several occasions
Consumer complaint received 2022-11-12
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. (NV)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX Balance : {$4800.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$160.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-02-16
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

My account with CAPITAL ONE AUTO FINANCE was opened on XX/XX/2014. My Account Number begins with XXXX... 

The account WAS PAID IN FULL! However, my credit report shows the status as " Discharged through Bankruptcy XXXX XXXX. '' This is VERY FRUSTRATING as I PAID THE ACCOUNT IN FULL AFTER MY BANKRUPTCY!! I have the title to the vehicle in my hands today! 

I've asked CAPITAL ONE AUTO FINANCE to update the status of this loan on my Credit Report, but they absolutely do NOT CARE!!! 

PLEASE DO NOT EVER USE CAPITAL ONE AUTO FINANCE... THEY ARE TOTAL CROOKS!
Consumer complaint received 2022-02-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc. (NC)

SCA collections has been attempting to collect a debt I do not owe. The number of accounts that they claim I owe have been decreasing over time. I have been successful in removing some accounts.

As they have claimed in past disputes 'I have 6 accounts. ' That is incorrect. I have a credit report from last year showing 7 accounts. and my most recent report shows 4. This is becoming very time consuming and I want to cut all ties with this company I never chose to do business with.
Consumer complaint received 2024-02-22
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 the victim of Identity theft. I am writing to bring to your attention fraudulent information on my credit reports. 
UNDER the Following Sections please Adhere to the details that Fall under Consumer Law. I request the removal of the following items in accordance with 12 CFR Part 1022 ( RGULATION V ) Implementing sections 605A, 605B, and 609 ( a ) ( 1 ) including but Sections 1022.82, Section 1022.123 1681b of the FCRA. 1022.82 Duties of users regarding address discrepancies.

Furthermore, I have reviewed a copy on my consumer reports and I notice you have furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a 2Ai.

Please see the following accounts that have appeared on my credit report from an identify theft, in which the thief criminally utilized my information to open them. Please block and remove these accounts. Supporting documents substantiate and validates the claim. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-16
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: EQUIFAX, INC. (TX)

I disputed a collection from XXXX XXXX. I do not owe this collection, I am currently still with XXXX XXXX. I could not obtain insurance with them while owing a balance. I have tried numerous times to upload support documents however their website will not allow. I have received no proof from how they verify this is my account. They altered the dates on this collection as to show it to be more recent once I disputed.
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: HireRight Solutions, Inc. (TX)

Other addresses not mine. I have lived at is XXXX XXXX XXXX XXXX, Texas XXXX for 57 years a open court case which is being plead not guilty need to be removed which is causing " concrete harm '' being reported is unwanted and will be asking for relief pending no removal
Consumer complaint received 2022-02-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: EAST WEST BANK (NY)

A woman messaged me on XXXX promising high yield investments with cryptocurrency. Her name was " XXXX '', XXXX number as ( XXXX ) XXXX. She seemed knowledgable and trustworthy because she spoke about her " daughter '' a lot. She had me click on a link she sent which was a platform called XXXX ( not an app, but instead a bookmarked website. ) Also had me download XXXX to do transaction in. Ultimately wire transferred about {$96000.00} total to XXXX XXXXXXXX XXXX, Limited Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Bank Name : East West Bank Bank Address : XXXX XXXX XXXX XXXX Floor XXXX XXXX, CA XXXX and XXXX XXXX Trading Limited Account Number XXXX XXXX XXXX  XXXX Bank Name : East West Bank Bank Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX As we watched our funds grow from cryptocurrency investing ( not sure if the funds actually grew and they just took all the money, or the bookmarked website where we traded and invested was just a fake one to make it look like we were making money ), I was ecstatic. But upon reading similar experiences from people in a XXXX thread, I realized this was all a scam and I was never going to see that money again. I attempted to withdraw my funds, but was met with incredible difficulty and eventually a fee of 10 %. I was never able to get any money back.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

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 Balance : {$1300.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$630.00} XXXXXXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$630.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$630.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1600.00}
Consumer complaint received 2022-02-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NY)

On XX/XX/2021 my account on CoinBase .com was hacked. {$39000.00} worth of various cryptocurrencies were stolen. Upon suspecting that there was a fraud, I called CoinBase at XXXX p.m. Eastern Standard time and spoke to their representative who told me in no uncertain terms that my account had " no transactions ''. This is ON A RECORDED LINE. 

CoinBase has refused to accept responsibility for this misleading information. The FBI site clearly states that notification of fraud should be done immediately as time is of the essence. I was not given that luxury due to their misinformation. 

I want all the cryptocurrencies that were taken to be reinstated in my account exactly as they were prior to the theft. 

A company worth almost XXXX XXXX dollars should have phishing site prevention and URL monitoring of which they have none. Protecting their investors is clearly not high on their " to do '' list. Taking responsibility for lying to their customers is also not an imperative on their list. 

The evidence is clear. I have also been denied the ability to trade the stolen assets as they have diminished in value. This is clearly an injustice.
Consumer complaint received 2017-04-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC (CA)

I was told by Quicken Loans that my flood insurance provided by FEMA was mandated by law to be escrowed into my mortgage payment by Federal law. I live in California and I spoke with a loan supervisor who confirmed this info. This is false I information. I had already paid my entire premium and they declined to refund 6 months of payment. I have been unable to secure the refund.
Consumer complaint received 2022-02-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

made a purchase and I was given a price of XXXX per shoe. The store charged me XXXX per shoe instead. I called to dispute the charge and they stated they could not dispute the charge because the receipt said XXXX so they are allowed to charge XXXX even tho I was verbally advised XXXX
Consumer complaint received 2022-02-16
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. (FL)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC. (CO)

After making only XXXX mortgage payment to the lender that our builder wanted us to use, our mortgage was purchased by Plaza Home Mortgage ( PHH ) and their loan servicing is the worst experience I have ever had. We made a normal mortgage payment for XX/XX/2022 which was processed by the company on XX/XX/XXXX. A few days later an additional payment was submitted to the company in an amount of about {$48.00} dollars more than the normal monthly payment to be applied to the principal. The payment was processed 6 days later on XX/XX/XXXX as a regular mortgage payment and only {$48.00} was posted as additional principal ( principal curtailment ). I immediately contacted PHH and they said they would adjust the amount. Several days passed without action and I called them again. I was told that the action was to be taken XXXX, XX/XX/XXXX and would be back dated to when the processed the payment incorrectly. The agent admitted that the transaction was posted incorrectly. The correction is still not made. The company obviously is and I will be calling again today to add an additional complaint. I have to wait until after XXXX XXXX XXXX when the XXXX representatives who can actually handle the issue start working as their call center is off shore and these agents are not helpful in resolving any real issues. Their hold times are excessive as well. This is not the first problem I have had with PHH, as when they first took over the loan, they did not post all of the funds that were held in escrow. The missing amount was under {$50.00}, but it took several calls and days to correct the escrow amount. Another issue was that PHH had listed the annual taxes at about a fourth of the amount that would be charged by the county, which would result in a huge deficit in escrow balance. The original mortgage company had a more accurate figure for the taxes but PHH came up with an amount from XXXXhe county for the previous year when only the land was taxed before the home was built. An additional issue was that we switched homeowners insurance companies right after closing resulting in a higher annual amount and it was extremely difficult to get the monthly escrow amount corrected for this increase. Plaza Home Mortgage is very difficult to work with and I do not see that they are able to handle any mortgage properly. I can not wait unit our loan is paid off which will be ASAP. 

Someone needs to review the practices of this company, as I am sure I am not the only one who is receiving poor service from this company. There should also be regulations in place to prevent companies such as this from buying mortgages without the consent of the mortgagor.
Consumer complaint received 2021-12-20
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: HYUNDAI CAPITAL AMERICA (CA)

Ive contacted Kia motors numerous of times and informed them that I do not give them permission to give my information to any credit bureau. I also reported that they are not allowed to report any negative balances, remarks etc on my report with any bureau. This is my right as a consumer, and I demand they stop immediately. My information is not to be shared with any third party.