davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-13
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. (IL)

Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Consumer complaint received 2020-06-15
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)

I am a XXXX  of XXXX XXXX XXXX XXXX  XXXX We applied and received a paycheck protection loan on XX/XX/2020. The paycheck protection loan disclosure asked to voluntary disclose Veteran, Gender which is Male or Female not in line with gender identity, Race and Ethnicity. Does not ask about Sexual Orientation. I believe this is a violation of Title 7 and upheld supreme court decision on 15 U.S.C. 1691. 

I am openly XXXX and an owner of this loan that was originated. 

XXXX XXXX
Consumer complaint received 2020-04-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am writing you to request the removal of the Default Judgment file from XXXX XXXX XXXX. 

I was not serve properly to dispute the two accounts. 

Inside the court documents, the server served the wrong person. The server states that she served the citation to a woman she confirmed to be me. But, the woman she described has a different age, weight, height and the woman confirmed of being me is from a different race. 

Also, the two accounts XXXX XXXX XXXX is attempting to collect were discharged in my ex husband Chapter XXXX Bankruptcy XXXX filling. 

I contacted the XXXX XXXX XXXX by phone and by mail and they only send general advertisement to ask me to pay the two debts.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

Upon reviewing my updates, incorrect information are being reported to my personal credit file. The Experian Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The Credit Bureau have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible.
Consumer complaint received 2022-04-13
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. (IL)

Hi I am submitting this XXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Consumer complaint received 2023-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was cut off from my *substantial* funds by Capital One, with no warning, and for no good reason. Then, when I went to the branch in person, with ID, they refused to let me unlock my account to get my money. They would not even tell me why they locked my account. Turned out it was all their mistake. Details : I have a joint checking account with my wife, and I am the primary user ( I pay the bills ). We had plenty of money on the checking account ( more than {$30000.00} ). I tried to pay a bill in the amount of {$3300.00} ; a small amount compared to our cash balance. The bank informed me that THE ACCOUNT HAD BEEN LOCKED, AS OF THAT DAY., and that my check would not be sent. 
When I tried to unlock my account and access MY MONEY, I was told by Capital One that they were unable to do that. Also, they sad that they *could not even* tell me why the account had been locked. They said that only my wife could be told the reason for the account lock, and only she could do the steps to unlock it. I was therefore unable to access and spend my own money. 
Finally, my wife called Capital One, and after waiting on hold for 50 minutes, she was told that the bank had locked up our account because she had not yet responded to a snail mail letter ( no phone call, text message or email was ever attempted ), that asked her to verify her address ( which by the way, has not changed in years, and was already on file at the bank ). Cap One never tried to reach either one of us to say that our account was about to be, or had been, locked. NO! They just sent a letter that we never received - ONE SMAIL MAIL LETTER - asking for address verification, and then when they felt we had not replied, to a single snail mail letter, they froze our account and caused significant damage because we could not pay our bills. 
They say that their terms and conditions allow them to do this, but this is illegal,
Consumer complaint received 2020-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have an active 7 year Consumer Statement to contact me before extending or allowing access to my credit report on each reporting agency of XXXX, XXXX and Transunion and to contact me at XXXX or XXXX before extending Credit or access to my Credit Report. 
I have had Identity Theft twice on my and my wife 's Credit. 
It has been in place XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

In spite of these Consumer Statements all three agencies have Hard Inquiries on my Credit Reports. I have not being accessing credit as I already have a Mortgage and have only 2 items I have 3 legitimate Hard Inquiries. 

I was unaware until recently and need these Hard Inquiries removed : XXXX has 14 Hard Inquiries with only one being legitimate. XXXX has 18 Hard Inquiries with only 2 being legitimate. Transunion has 16 Hard Inquiries with only 2 legitimate Hard Inquiries. Credit Reporting agencies are ignoring the 7 year Fraud Alert.
Consumer complaint received 2020-06-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (UT)

I called and issued a stop payment on the XXXX of XXXX. I later checked my account and on the XXXX of XXXX the funds were paid to the merchant. I called the bank tried to resolve and do a charge back given I did a stop payment Wells Fargo refused to refund or reverse saying that there is no stop payment guarantee. I also got a letter saying that my stop payment request was not on a recurring transaction so it doesnt apply. What? For one yes it was and for two I didnt authorize the funds to be taken out of my account. Seems to me they made the mistake but dont want to take accountability to fix it
Consumer complaint received 2023-05-25
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Credence Resource Management, LLC (HI)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2024-04-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc. (TX)

In 2021, I signed up for a fake loan, basically, with Self Financial. They don't actually loan you money, but you pay on a sort of dummy loan to build credit. I was unable to make payments like I thought I would, so tried to close the account. Now it's on my credit report as a charge-off. They have my money, they never lent me any money, but it's charged off and in collections. I don't think this type of program should be legal. They charge very high interest for people to pay them in the hopes of repairing credit, but it's hurt me more than anything. I also tried to close my secured credit card with them and had about {$110.00} in funds that I'd paid onto the card due back to me, but that account is also now on my credit as a charge-off. I've tried calling them, and also disputing these on my credit. I'm being turned down for auto loans and my score is worse than when I signed up for their products.
Consumer complaint received 2023-06-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (NY)

Upon reviewing the contents of my consumer report, I noticed that I C SYSTEM INC. and I C SYSTEMS COLLECTIONS have a negative account listed in the amount of {$550.00}. This company is in complete non-compliance of state and federal debt collection laws. This company had to notify me about certain things pertaining to this debt once it was acquired from the original creditor and before they reported it to the credit bureaus such as : the identity of the original creditor, an itemized accounting of the debt and if they don't have this information they can not comply with state and federal regulations therefore can not LEGALLY make attempts to collect the debt. I C Systems INC was also obligated to disclose the amount of the debt when the original creditor sent it to collections, the amount of interest accrued since the debt was sent to collections, the amount of fees and other charges added since the acquisition of the debt if any, a statement describing how the debt collector acquired the debt from the original creditor, and if applicable any payments made by the debtor since debt was sent into collection. On my consumer report it states that the debt was placed for collection in XX/XX/2022 but according to the payment history, the debt was placed for collection in XX/XX/2022 making the information provided to the CRA 's inaccurate. On my consumer report under " Type '' it states " XXXX XXXX ''. According to state and federal debt collection laws it is ILLEGAL for a debt collection agency to pretend as if they are attorneys in an attempt to intimidate the consumer into paying the debt. 
Furthermore, this company did not CONSPICUOUSLY disclose on the statute of limitations regarding this debt. I C Solutions INC has an obligation to be aware of the statute of limitations of any debt they attempt to collect on. I was not notified that the statute of limitations expired, I was not notified that it is a violation of the FDCPA to sue to collect a debt for which the statute of limitations expired, I was not notified that I do not have to admit to owing the debt or give up rights regarding the statute of limitations, I was not notified that if I admit to owing the debt or promise to pay the debt, the statute of limitations will restart. 
I have received NONE of the information listed above, had I not pulled my credit reports from the credit bureaus I would have had NO KNOWLEDGE whatsoever that this debt even existed. I am accepting no other action but a DELETION of this erroneous information off of my consumer report. These deceptive collection practices have caused harm to my reputation as a consumer, and I request that the CFPB upholds the law and grant me the swift justice I deserve.
Consumer complaint received 2020-04-13
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. (MO)

When my identity was first compromised, I reported it and requested for these unknown and unauthorized accounts to be removed and yet the credit reporting agencies still hasn't taken the proper action to do so. So before taking further action on my end I'm demanding that these unauthorized accounts be removed and blocked immediately. The following accounts are not mines. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX Account {$3700.00} 3 ) XXXX XXXX XXXX {$2000.00} 4 ) XXXX {$410.00} 5 ) US Dept of ED/XXXX {$1700.00} 6 ) US Dept of ED/XXXX {$3500.00} 7 ) US Dept of ED/XXXX {$200.00} 8 ) US Dept of ED/XXXX {$900.00} 9 ) US Dept of ED/XXXX {$350.00} 10 ) US Dept of ED/XXXX {$1700.00} 11 ) US Dept of Education {$490.00} 12 ) US Dept of Education {$1000.00} 13 ) US Dept of Education {$1000.00} 14 ) US Dept of Education {$3700.00} 15 ) US Dept of Education {$290.00} 16 ) US Dept of Education {$1800.00}
Consumer complaint received 2022-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please return my XXXXXXXX XXXX INSTALLMENT LOAN BACK TO REGULAR I DID NOT DISPUTE THIS ACCOUNT I REPEAT I DID NOT DISPUTE THIS ACCOUNT NOR DID I ASK YOU ALL TO DISPUTE OR INVESTIGATE IT THANK YOU
Consumer complaint received 2020-06-15
Product: Mortgage — VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Home Point Financial Corporation (TX)

I am refinancing my HomePoint Mortgage VA loan and was advised by their representative XXXX XXXX NOT to make any more mortgage payments until the month after the closing date. 

Meanwhile, they have erroneously reported that we are delinquent! 

Not only have I contacted them three ( 3 ) times in writing about this discrepancy, but I also filed a dispute with XXXX which HomePoint refused in less than 24 hours.
Consumer complaint received 2020-04-13
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've tried to resolve these stolen accounts on several occasions with no feedback I have collections on all bureaus that are inaccurate there is an issue with a misconstrued name I believe I've never had anything in my name either than a student loan please assist me in the removal of the fraudulent items thanks
Consumer complaint received 2016-01-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Progressive Financial Services, Inc. (CA)

I have on two occasions asked for the company to validate the debt in question and to prove that they have a right to collect the debt. In response, they have sent only screen shots of an old account from someone they claim to be the original creditor.
Consumer complaint received 2020-06-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

I have sent XXXX letters dated XX/XX/2020 XX/XX/2020, and XX/XX/2020. 



Asking them to Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? and evidence that I am legally responsible for the debt. And they have not provided the information at all.
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. (NC)

I recently received a copy of my ( Experian, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report. 
XXXX XXXX XXXX Late payment dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Ive requested multiple times to launch an investigation and send me proof off such late payment an deletions of these violations
Consumer complaint received 2024-02-26
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: Experian Information Solutions Inc. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.