davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 3 previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.
Consumer complaint received 2017-05-31
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. (AL)

SOMEONE OPEN UP A   XXXX   XXXX    ACCOUNT  USING MY SOCIAL SECURITY NUMBER AND DATE OF BIRTH BUT THEY USED THE NAME    XXXX   XXXX    WHICH IS A FEMALE  XXXX , I AM   XXXX   XXXX  . I SENT POLICE REPORT TO EQUIFAX AND  XXXX  SHOWING WHERE MY IDENTITY HAD BEEN STOLEN AND THIS WAS FRAUD AS WELL. NEITHER BUREAUS HAVE REMOVED FROM MY CREDIT FILE THIS IS NOT MY DEBT.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

This, Item was discharged and the Credit Bureaus do not properly verify the information according to 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A and 12 CFR 1006.34 ( b ) ( 5 )
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Under 605B, this account must be taken off ASAP. I'm really upset that it's showing up on my credit record, and it's not my account. Its presence has greatly bothered me, and I feel sick about this situation. Please remove it promptly. 

According to 605B, this account should be removed
Consumer complaint received 2024-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : 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 2024-02-02
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. (IN)

I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the ftc report. If this situation is not handled accordingly, I will seek legal action against you guys.
Consumer complaint received 2024-02-02
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: CMG MORTGAGE, INC (IL)

In XXXX of XXXX I called CMG mortgage to find out why I was being reported late during the months of XXXX XXXX to XXXX when I was on a payment plan and all of my payments were being made on time. I have documentation from them showing I was not charged a late fee from XX/XX/XXXX forward. According to my credit report I have been reported late by CMG from XXXX of XXXX to XXXX of XXXX. I called again in the middle of XXXX of XXXX to have this corrected and dispute this information. On XX/XX/XXXX I contacted someone at CMG and they told me all the late fees have been corrected I have not been reported late at all and I will have a letter from CMG stating the status of my credit reporting. On on XX/XX/XXXX I received the letter, according to the letter their reporting was accurate and no changes were going to be made. I called back on XX/XX/XXXX and was told there was nobody available to handle this situation and that somebody would call me back by end of day. 

This reporting has prevented multiple loans being approved including a vehicle loan and mortgage refinance.
Consumer complaint received 2021-01-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NC)

I have previously sent LVNV Funding and affiliates a request to validate this debt, for the following account number XXXX XXXX XXXX on XX/XX/XXXX and again on XX/XX/XXXX via certified mail. Under the Fair Debt Collections Practices Act ( FDPCA ), I have the right to request validation of the debt that you say I owe you per the FDPCA. I have given LVNV Funding 30 days to remedy this situation, which is not only a reasonable period but is also the maximum time request limit as indicated by the FDPCA/FRCA. I have received no reply from LVNV Funding, although I did receive signed confirmation via certified mail from the United States Postal Service that my validation letters were received on XX/XX/XXXX and XX/XX/XXXX, however attempts to collect said debt are still being made by LVNV Funding without properly validating debt. 

Since LVNV Funding is still reporting this account on my credit profile, LVNV Funding is now in violation of the FDPCA and are subject to fines of {$1000.00}, which I may collect from LVNV Funding by filing a claim in small claims court. I intend to follow through with said suit if I do not hear back from LVNV Funding within 10 days. LVNV Funding should also be aware that reporting such invalidated information to the major credit reporting bureaus may constitute as defamation of character, as the negative remarks on my credit profile prevent me from benefits associated with a good profile. I am sure that legal staff will agree that non-compliance with this request could present LVNV Funding with legal inconvenience with the FTC and other state and federal agencies.
Consumer complaint received 2022-09-03
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. (MD)

To CFPB, I requested XXXX, XXXX, and Experian to do a thorough investigation on my credit report to make sure all information on my report are accurate. Upon the agencies final review of their investigation, there was too many inconsistent information reported. 
Examples : The date the accounts was reported, the last time the company reported the account, documents to show I applied for the account In accordance with Fair Credit reporting act, ALL THESE ACCOUNT with account number has violated my rights. 
XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S. C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-05-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (WY)

On Friday  XXXX   XXXX ,    2017  my husband and I were contacted b y the county that we live in that the property taxes on our account had not been paid by our mortgage company and that we are now in default. Immediately I called the mortgage company more than once and was told it was going to be handled within 10 business days  and that a supervisor would call me Monday.     Monday  XXXX   XXXX ,  2017  I called the mortgage company and was told the supervisor would call me later that day, that the supervisor would n't be in until  XXXX    XXXX   central standard time. I called back around  XXXX  central standard time after not hearing from the supervisor, the supervisor told me my property taxes had been paid to  a county in Nebraska. When I looked online the mortgage company had the correct county on our statement. The supervisor stated that the payment may not be paid toda y instead it could be up until the  XXXX  of  XXXX  for this to be paid at no extra charge to us.     How can  Moneysource  do this and still be in business?!
Consumer complaint received 2023-08-03
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. (CA)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-02
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. (MO)

I reviewed my consumer reports and noticed that i had 1 late payments on an account that i was, never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/year> Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated immediately to paid as agreed on time as they should be due to the fact i was never late within 10 business days. Thank you so much for your time.Please see screenshot attached :
Consumer complaint received 2021-09-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Prizm Financial Company, LLC (GA)

I received a letter regarding a debt I DO NOT owe. Letter lists a few financial institutions that I don't even have a credit card with!!! It appears that since I don't respond to the fraudulent credit consolidation letters, this is the new tactic. Please note that I am current with all of my legitimate creditors!!! My record keeping is also intact!!! Hopefully, this will help to prevent others from being victimized from potential scammers!!! This is not how debt consolidation works. I am sending the letter back to the address indicated with a note stating that a copy of this letter will be forwarded to the Federal Trade Commission.
Consumer complaint received 2023-08-09
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HEARTLAND PAYMENT SYSTEMS INC (CA)

they sent me mail about repaying my student loan. I signed up and amount due on my account was not matching with what it claims in my federal student loan account ( lower ). They claimed the school newly assigned as new loan service. I got suspicious because I did not have any loan with that amount and the one i have has no interest but they had 5 % interest. when I contacted my Federal student loan, they said that my loan service is not them. I did not pay them or any bank information but I gave them the following information. - they already knew about my name, address - I create an account with name, email, DOB, address, info about few reference and last 4 of my social ( i don't remember if i provided the full )- I filled out the exit interview forms with above information their website : heartland.ecsi.net address : XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX, XXXX XXXX , PA, XXXX phone number : XXXX organization : they have two step verification, very good representative, " supervisor '', they even transferred me to my school billing department since I was convinced from their explanation attached the bill they send out
Consumer complaint received 2021-01-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CO)

Hello, I am writing you in regards to my mortgage, I am currently on a Mortgage repayment plan through a Chapter XXXX plan, I need to resolve the issue with unapplied fund beings not being credited to my acct. My payment amount due states that I owe XXXX which is incorrect we have {$2900.00} in unapplied funds, can I please have a itemized statement showing how my payments are being applied and the unapplied funds applied to my account. 

Thank you, XXXX XXXX Acct XXXX
Consumer complaint received 2017-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (SC)

In  2013  a fraudulent account was opened in my name through  XXXX   XXXX . I have never had  XXXX   XXXX  service only  XXXX   XXXX   XXXX  I spoke with  XXXX   XXXX  and advised of the fraudulent this account was sold to  XXXX  different collection agencies all disputed and removed. Once again this fraudulent account is being reported on my file attached is my records of each removal. I am  XXXX   XXXX   XXXX   XXXX  not  XXXX   XXXX   XXXX  not any other  XXXX . This needs to be permanently deleted and not be able to be applied back to my credit reports over and over again this is damaging to my excellent credit history. I do not o this account.
Consumer complaint received 2021-09-28
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)

I have reached out to the Credit Bureaus regarding false and fraudulent non authorized inquiries on my credit report to be removed. I sent them mail and they said they did received the mail but did not need to respond because i needed a letter from you all to prove that it was fraud and they will remove them. I sent the letter in XXXX and they said they received it XX/XX/XXXX. 
!. XXXX XXXX XX/XX/XXXX Was not authorized by myself. XXXX XXXX XXXX XXXXXXXX  XXXX  Ohio XXXX 2 & 3. XXXX  XXXX Inquiry XXXX XXXX  XXXX XXXX, VA XXXX ( XX/XX/XXXX, XX/XX/XXXX ) 4. XXXX XXXX  XXXX  inquiry requested on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, de  XXXX None of these inquiries were made by me and Transunion, and XXXX are saying that i need to file a report with you all to prove that it was not from me.
Consumer complaint received 2023-01-20
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX  XXXX  XXXX  Acct # XXXX, XXXX  XXXX  XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX, CA 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
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

I have been paying off the balance on my home depot card for over a year. My last statement for XXXX was {$800.00} and I received a new statement for XXXX indicating my new balance was for {$910.00} and some cents. When I went to review the statement it indicated that they were charging me {$210.00} of interest and a promotional no interest was not paid in full. 

Home depot conveniently paid the revolving amount and none of my payments went into the no interest amount and I essentially am owing more than the purchase amount of {$650.00}. I have made continuous payments for over a year and even paid a late payment fee once since 2022. The person I spoke to in the credit card customer care indicated I had a way of allocating that towards the no interest promotion. 

There is not a tangible way to do that either on the phone nor is there anything indicating that on the statement I am looking online. 

Home depot 's management of payments is fraudulent and convenient to be able to charge more and not able to see what my payment is going towards. Very misleading and not worth having this sort of credit card.
Consumer complaint received 2023-08-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2022-02-06
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: CBC Companies, Inc. (MN)

I received my Innovis Credit Report and found inaccurate information listed on Innovis Credit Report. The following Requests Others Can See are fraudulent and unauthorized : XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX Financial XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX XXXX  XXXX XX/XX/XXXX XXXX and XXXX, XXXX XXXX, XX/XX/XXXX XXXX the following Requests Only You Can See is also fraudulent and unauthorized : XXXX XXXX XXXX  XXXX, XX/XX/XXXX, Innovis Consumer Assistance XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX following addresses listed on my credit report are not my addresses : XXXX XXXX XXXX, XXXX  XXXX, XXXX, MN XXXX and XXXX XXXX XXXX, XXXX, AZ XXXX, I have never resided at the listed addresses. Furthermore, I want the Opt Out immediately deleted and removed from my credit report. I want to Opt In for promotional offers of credit.
Consumer complaint received 2015-08-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Consultants, Inc. (GA)

No written notice ever received from Diversified Consultants, only discovered this was placed on my credit report by credit monitoring agency. They never sent me any correspondence so that I could dispute this claim.
Consumer complaint received 2023-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (SC)

I am a current Truist Bank, and I own a local real estate brokerage. On XX/XX/XXXX, I deposited a commission check into my account like I always do after closing. The check is from a reputable local real estate closing attorney. I have deposited dozens of checks from this attorney into this account. 

The next day I received an email that the funds were under investigation and that I would not have access to those funds until XX/XX/XXXX. They did not tell me the day the check was deposited in my account, they told me the next day. No one called me and explained why this was happening or what the process was to use the funds. The email says that I should check my balance every day until the funds show they are available. 

Today XX/XX/XXXX, the funds are showing as available just like the email said. So I decided to go ahead and pay the bills electronically. I believe I paid scheduled about 12 electronic bill payments and wrote 2 electronic transfers to employees that needed to get paid from this transaction. All of those bills were paid using my account/routing number. I would not have initiated those payments if I did not see an AVAILABLE balance. Nothing on the account said it was restricted or still in an active investigation. 

I then decided to use my debit card linked to this account to purchase something, which was denied. I called Truist, and they told me my account is restricted and in an investigation and that I do not have access to my funds. I told the lady on the phone that my account shows that I have funds available online, and nothing says my account is restricted. I also told her I scheduled bill payments using the account because it showed that my balance was available. She said that I should have access to my money on XX/XX/XXXX. I told her I would most likely receive overdraft fees for all those items. She offered no help and ended the call. 

This is entirely unacceptable. I need these funds to pay my bills and employees. Truist Bank should not be allowed to hold my funds for extended periods without giving me any explanation. Then they tell me I could use the funds when I see an available balance. I see an available balance, but they deny my debit card transactions, decline all of my bill payments, and I have no access to my money. Not only that, but I will incur overdraft fees for every bill and check I scheduled today.