davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have this inquiries that are not mine and i want it to be remove from my credit report.

XXXX  1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

2. Identity Theft BK OF AMER Date of inquiry :XX/XX/XXXX This is not mine.

XXXX  1. Identity Theft BK OF AMER Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2021-06-16
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. (FL)

ON XXXX several loan appaers in my credit report after noticening i inmeaditly began to call these bank and reported these loan wich are fraudelent and not mine they instructec me to make the proper report, FTC, CONSUMER FINANACIAL PROTECTION, XXXX XXXX XXXX, XXXX XXXX XXXX, IRS XXXX XXXX XXXX # XXXX ADDITION XXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2023 ADVISING OF ACCOUNTS AND REQUESTING VERFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Consumer complaint received 2021-06-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Some time ago I sent a letter regarding inaccurate and unknown things on my credit report.. To this day, well over two months later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60+ days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for a litigation due to stress you caused me. Due to my stay at home I found that my information was also impacted by Equifax data breach and may have gotten into the wrong person hands. I used this link below. 
Equifax Breach Inquiry Link : https : //eligibility.equifaxbreachsettlement.com/en/eligibility
Consumer complaint received 2022-05-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (MI)

To Whom It May Concern, I am contacting you because I am being harassed by Comenity Bank. I have been getting calls after hours and they have Twice now called my father 's phone to try to talk to me! I have never given my father 's cell phone number or his house phone number to this bank, so how did they get these numbers? And it is ILLEGAL to call My father 's house and cell phone to try to locate me and in doing so it creates a breach of contract with me. I know so because it states this with the Fair Debt Collection Practice Act. 
I am getting calls before XXXX XXXX in the morning and calls up until XXXX almost XXXX at night from this bank and that is clear harassment. They are not allowed to call me before or after hours. 

This has been going on for a few months now the harassment.
Consumer complaint received 2021-06-16
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. (MO)

The credit agencies are not willing to correct information that XXXX XXXX has put on my credit report. They put my account closed as of XX/XX/XXXX and it was in good standing and did not get closed until XX/XX/XXXX after I contracted COVID and was in the hospital. XXXX XXXX  will not remove the incorrect information nor will Tranunion. I am trying to purchase a home and these late payments are hurting me. The late payments should have not been posted due to being affected by pandemic.
Consumer complaint received 2021-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX credit starting out since XXXX in XXXX then XXXX XXXX XXXX was found Im correct XXXX accounts XXXX was balance and over paid in XXXX XXXX never got refund from them but this company keeps reopening the credit as over limit late fees this is the 3 rd time for 2 account makes it 6 times pulling my score to XXXX my credit is horrible and now there are all kinds of thing on my report names address and multiple loans fraudulent accounts iv froze my credit nothing is working and transunion has found my info correct and removes it but within 2 or 3 days its right back back in XXXX its debt thats not mine mortage loans pulled that is my exhusband and his wife were my birth certificate has been sent and they are applying for loans they went into bank and stole my XXXX cd 3 loans on my credit report XXXX XXXX, XXXX XXXX, XXXX bank in XXXX XXXX XXXX dollars and I have the documents signed by them and the bank which helped them do it
Consumer complaint received 2021-06-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

On or about XX/XX/21, paypal send me an email to hold my money hostage for 3 months citing a breach in term of service. They said my account is associated with someone who used their service to gamble or something. I have never done such activities. After a complaint, they said that an associated phone number and physical address matched that person. Last i checked, phone numbers and addresses are not fixed identifier of a person. I have been a customer for almost 20 years. My name and social security number are fixed identifiers. If i need to, i can submit my drivers license, military ID, social security card, ect to release my money from being taken hostage. I can not allow the actions of another who misused a phone number and my address to affect me. Last i check, paypal does not verify addresses, this person could have falsely used my address. 
I own this address and these phone numbers. My name and ssn are fixed unique identifiets. Anyone who used my address or phone number without verification in the past or future is doing so without my consent.
Consumer complaint received 2023-07-07
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. (AZ)

I trust this message finds you well. I am writing to address an issue related to my charged-off XXXX credit card account and its erroneous reporting on my credit report. 

This particular account has been formally charged off, but it is consistently being reported as a 'charge-off ' on my credit report every month. Such monthly reporting inaccurately suggests a recurring negative event, which is not the case. 

As per the guidelines under the Fair Credit Reporting Act, a charged-off account should be reported once, not monthly. The constant reporting of the charge-off is adversely affecting my credit score, which is unjustified. 

This ongoing misreporting is severely impacting my financial status and prospects for future credit opportunities. I earnestly request your intervention in rectifying this matter to ensure the accuracy of my credit report. 

Thank you for your prompt attention to this crucial issue. 

Best regards, XXXX XXXX
Consumer complaint received 2021-07-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-07-09
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: Experian Information Solutions Inc. (IN)

I have 50 hard inquiries and I only made 10 of them. I have collections that are not mine. I have open accounts on my credit report that are not mine. I have addresses that I have never lived at. I have closed accounts that are not mine. I have names that are not mine. I sued in small claims and won and they still wont fix it.
Consumer complaint received 2021-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge 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: Bread Financial Holdings, Inc. (NE)

In XXXX I noticed a charge for XXXX from XXXX XXXX XXXX XXXXXXXX. I looked into it more and saw a few charges for the same amount some just a week apart from the same company as well as charges from XXXX for XXXX and I hadnt made any purchases from XXXX at that time. 

Today XXXX XXXX XXXX I went back and looked through all my credit card history and found I had XXXX charged XXXX XXXX times a month a week apart since XX/XX/XXXX totaling up to XXXX. 

They initially credited the money and cancelled the card and sent a new XXXX, but have now charged me XXXX on XX/XX/XXXX I called they today and they said the fraud team thought it was legit purchases. I called before that department was open this morning, so I would have to call back later. 

I tried calling them at XXXX and again at XXXX today XXXX XXXX XXXX but they act like they cant hear me and hang up. I have tried calling someone else to make sure it wasnt my phone and the person I called could hear me fine
Consumer complaint received 2017-04-05
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

Client was XXXX he is a veteran, while XXXX payments were being automatically withdrawn by his mortgage company. He all of a sudden received a letter saying his loan was going to be foreclosed due to non-payment. He was still XXXX did n't have the resources or time to fight this issue so filed bankruptcy to save his home. He was paying additional to the loan, but still has a delinquent amount of over {$22000.00}. He has been trying to work with his mortgage company but then his loan was transferred, so he continued to try and work with the new mortgage company. They both keep sending him back and forth to get one to investigate and fix the issue, but neither are looking into it and do n't see a problem and nothing has been resolved.
Consumer complaint received 2024-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2021-06-16
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 mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.
Consumer complaint received 2021-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: McCarthy, Burgess & Wolff, Inc. (CA)

On XX/XX/XXXX, I made a payment to a collection agency for a delinquent bill in 2020 from XXXX XXXX. I called and paid by credit card for a settlement in full with XXXX XXXX XXXX  in XXXX, WA ( I have attached my letters for proof. ) Last month, I received a letter from McCarthy Burgess and Wolfe stating that I still owed a balance but, I already made a settlement in full payment to another collections company.

Could you please fix this?
Consumer complaint received 2021-07-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TN)

I received a debt validation letter from Commonwealth Financial for services rendered at a hospital I have never been to before. I called the hospital and spoke to their billing department about this and was told to direct this communication directly to the debt collector. This is my official notice to Commonwealth Financial that the debt they are attempting to collect from me is not mine. I did not sign authorizations at this hospital and have now confirmed this with the hospital. There are two other XXXX XXXX 's ( that I know of ) in the XXXX XXXX  area. I believe this debt belongs to one of them.
Consumer complaint received 2021-06-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (TX)

We had a hail storm and need to get iur roof fixed. To do so we the The Money Source to endorse a claims check. The Money Source is being extremely difficult and is trying to hijack and manipulate the process causing significant delays. We just want to get our roof fixed in a timely manner.
Consumer complaint received 2021-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I contacted the creditor in XX/XX/2021. After communicating with a manager in the collection 's department, I negotiated with the creditor regarding a payoff amount to settle the account and remove the derogatory information related to the account. The creditor agreed to the payoff amount, but did not remove the derogatory information.
Consumer complaint received 2021-06-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2021-06-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (PA)

I borrowed a loan from One Main Financial ( I believe it is a national agency ) in good faith. The problem started with my monthly statements, and that on the form I never saw the interest being accumulated. Also, the amount that I paid this company is not reflected on my statement either, but a different amount that is clearly inaccurate. By doing this, this has caused me much worry and anxiety from the onset. This should all be very clear to ALL CONSUMERS.I complained to the company about this before and was treated very rudely ; in addition the person used hard to understand financial terminology. As of Today ( XX/XX/2021 XXXX, I again spoke to a loan representative from One Main about my issue/complaint. I told her I did not understand what she was talking about. She mentioned something about a " rule of 78, '' and that I should look it up, When I did look this term up, I discovered it is a scam used by some agencies, and that it was outlawed.

When I told the loan person ( Ms. XXXX ) this and that what the company was doing was illegal and unethical, and she should have been explained to me when I applied and borrowed the loan, she then hung up on me. Before hanging up, she threatened that I will be reported and that I will likely " never get a loan again and my credit will be destroyed. '' By hanging up on me, this just corroborates my stance that I was duped and cheated. I thought this was a reputable company, but I've discovered it is not. I am a Senior on a fixed income, and don't deserve this -- NO ONE DOES. I am hoping that the Consumer Financial Protection Bureau will help me, and work to resolve my issue/complaint. In good faith, I will pay back my loan, but I will not pay this unfair and loan sharking interest this company is trying to pull. This is clearly XXXX, and when the person hung up on me and using evasive terms and actions they are using, well this is why I am writing this complaint in the hope that they stop what they are doing. I know I am helping other consumers. Thank you.
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Pulled my credit reports and noticed that the spelling of my name was incorrect. I've sent letters to have this information removed and updated to all 3 credit companies and only one responded and deleted some but not all incorrect info.
Consumer complaint received 2021-06-16
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. (NY)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed
Consumer complaint received 2021-06-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (OH)

I lost my job shortly after my loan modification. I then paid {$2500.00} on my mortgage but didnt realize I was {$200.00} short of the full payment but wasnt 30 days late. Then the pandemic hit and was out of a job again. So requested forebearance still not realizing that I was behind this {$200.00}. Now I will be out of forebearance in XXXX. I have moved my daughter in with me. I am not collecting retirement so I can resume payments but they want the full amount. I want to deferment or repayment plan. I cant get another loan mod. But deferring payments is not changing the term of the loan nor the end date so why cant I get a deferment? 

Im not going to lose my home.
Consumer complaint received 2023-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX A Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX 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 2024-03-25
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: EQUIFAX, INC. (UT)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.