davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-26
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)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN XXXX XXXX, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2023-05-11
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I did not try to open an account with CAPITAL ONE BANK USA NA in XXXX. I had XXXX years ago. My identity was stolen in the process of me moving. My photo ID 's, social security cards and much more went missing. I have sent over numerous letters to this creditor along with police reports and report numbers and they refuse to remove the inquiry. I have a copy of the report slip before the numbers generated. The report number is XXXX. I live in XXXX where they do not give out paper reports and the number should be sufficient enough. This inquiry was not me and I would like it removed off of my report ASAP
Consumer complaint received 2022-10-19
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. (IL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX acct # XXXX, acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX, acct # XXXX XXXX XXXX XXXX  acct # 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. I did not give them written instructions.
Consumer complaint received 2023-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 


1.XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This is XXXX XXXX and I am once again submitting this CFPB complaint since the Credit Reporting Agencies have done nothing to correct my Credit file. This CFPB Complaint is formal notice that the Credit Reporting Agencies have failed to respond in a timely manner to my dispute letters and CFPB complaints. The Credit Reporting Agencies informed me to contact the creditors and I have done so. According to FDCPA 809b, the Credit Reporting Agencies are required to delete or update these accounts until they validate. I have requested validation and they have not produced it. Please update or delete the following accounts now : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$6700.00} XXXX XXXX  XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5100.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXXXXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I sent a letter to Capital One and they have not responded or rectified the issue. 



Late payment from XX/XX/2019 is reporting and not in accordance with the provisions outlined in the 15 U.S. Code 1681a.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2024-02-13
Product: Credit 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: GOLDMAN SACHS BANK USA (NC)

My wife and I went on an XXXX XXXX mid last-year with XXXX XXXX During our stay on the ship, we were changed daily for our room to be cleaned. However, we noticed that the fridge was never cleaned. As a matter of fact, a spilled drink stayed in the fridge for the entire week. I sent Apple/Goldman Sachs a picture of this, along with emails that i had sent to XXXX XXXX ( to which XXXX ) never responded. I opened a dispute with Apple/Goldman Sachs , disputing the charge of {$970.00} ( the total cost of cleaning the room on the ship ). Twice now they have come back and denied me. And they've asked me to resubmit it. And I do. This time they finally sent me a message over the weekend that the dispute has been resolved in my favor, only to backtrack today and send me an email telling me they had overturned their decision. 

I have spent months and time and energy going back and forth with the merchant, as well as Apple/Goldman Sachs about this. This is not a difficult decision. It is clear to see that the merchant did not provide the service we paid for. And we should not be charged this amount.
Consumer complaint received 2023-01-04
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. (IL)

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was notified by the credit bureaus that several medical bills were added to my credit file. I did not give written consent for this. My HIPAA rights have been violated as I know that I was being seen for mental health issues due to COVID pandemic, I had insurance and now I am being violated and my personal health information isn't secure. I have already tried to advise the burueas of being a previous victim of identify theft and this needed to be resolved as I have been made aware this is legally my right. The following laws have been violated Privacy Act of 1974, as amended, 5 U.S.C. 552a, 1681. Congressional findings and statement of purpose, The Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692. 
The Hospital facility that violated my rights are and the agencies they sold my XXXX to are : 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. ) There are six ( 6 ) different accounts all with the same name and collection agency but all different dates and amounts on all three ( 3 ) credit bureaus. This is higly alarming and completely inaccurate in additional to a huge violation of my HIPAA rights. XXXX XXXX XXXX and the agency they sold it to is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3. ) XXXX XXXX and the agency they sold it to is XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-05
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (CA)

Mohela Student Loan Servicing apparently sent me a letter in XX/XX/XXXX that included how much I had paid on student loans in XXXX for use when filing taxes. The Post Office failed to deliver my letter and returned it to Mohela. Mohela retains all contact info such as phone number/ text number, email address, and mailing address. Mohela verifies this info every time you contact them. Mohela reported to the credit bureaus that they were unable to reach me at my address. This contact caused the credit bureaus to reduce my credit score by XXXX points. Like many people, I have spent years establishing a high credit score by no lte payment, no missed payments, and maintaining a low credit usage. Now, years of work is down the drain due to a mailing error? 
made repeated calls to Mohela and was placed on hold for approx 1 hour to get excuses. They have no process in place to try to contact anyone by alternate means when a letter is misdelivered or returned. This is unacceptable and they refuse to help or to put me in contact with someone who has actual ability to address the issue.
Consumer complaint received 2024-02-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Solutions LLC (GA)

This debt collector has called multiple times, with the most recent today at XXXX from telelphone number XXXX. Always says from Debot collector and to call XXXX. 

I have called them 3 times and they are looking for XXXX XXXX. I tell them XXXX has not had this number in 6 years and ask them to take the number out of their system. 

They always hang up right when I am finishing my request to remove the number. 

They ahve called enough times that I researched to find out the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I found his new number and dont understand why this company cant do the same instead of calling my cell number all the time looking for him.
Consumer complaint received 2023-07-21
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: FORD MOTOR CREDIT CO. (MI)

This company has been practicing deceptive and unfair acts in their day to day activities. They are knowingly and willingly giving us consumers false and inaccurate information from in almost every aspect of the credit transaction pursuant to 15 usc 1611. 
Deceptive practices pursuant to 16 CFR 911. 
They had me claim a citizenships I was not apart of, took my social and used it for banking purposes on which was not disclosed, Privacy Act Violations Trading with the Enemy Act violation, Emergency Banking Violation, Fair Credit Reporting Act, Federal Code Regulations. and many more. listed here in.
Consumer complaint received 2023-07-21
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. (PA)

Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime.The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. The following items listed below are unknown to me. 
XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-07-21
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. (NV)

This account recently appeared on my Credit report. It states that is an account over XXXX and a half years old yet it just recently shows on my credit report. According to XXXX XXXX XXXX XXXX, this account must be removed immediately. 
The account in question is as follows : XXXX XXXX XXXX XXXX which states there is an amount owed of {$480.00}. I am unaware of this account. I have no knowledge of it and it must be removed. 

I hope this finds you well. I am writing to request the removal of inaccurate information from my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ) Section 609.

Upon reviewing my credit report from your bureau, I have noticed the following inaccuracies : XXXX. XXXX XXXX XXXX XXXX which states there is an amount owed of {$480.00} As you are aware, the FCRA mandates that credit reporting agencies investigate and correct any inaccurate information within 30 days of receiving a dispute. Therefore, I kindly request that you conduct a thorough investigation into the disputed items mentioned above and take appropriate actions to rectify these inaccuracies promptly. 

Please provide me with written confirmation of the resolution and the updated credit report once the investigation is complete. If you find any discrepancies to be accurate, I request that you provide me with a detailed explanation of your investigation 's findings. 

I am exercising my rights under the FCRA to ensure the information on my credit report is accurate and up-to-date. I expect you to comply with the law and carry out this investigation with the utmost diligence. 

Thank you for your attention to this matter. I trust that you will handle this dispute promptly and professionally. If necessary, I am prepared to take further actions to protect my rights as a consumer. 

Sincerely,
Consumer complaint received 2024-03-14
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. (TX)

I have checked and acknowledged the response from XXXX regarding my previously filed complaint. However, there are still numerous discrepancies and inaccuracies in their reports, despite their claim of having verified them with the original creditor. I provided them with a screenshot of the accounts in question, demonstrating that their verification and investigation process was unsuccessful. 

Secondly, TransUnion has failed to provide me with further statements or explanations on how they verified the inaccuracies of the disputed accounts. They merely mentioned that they were verified, without detailing their investigation process. 

Lastly, XXXX has not yet responded to my dispute. I can not wait another 30-45 days to file my complaints again because this is adversely affecting my scores and financial plans.
Consumer complaint received 2022-12-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I have been a customer of Bank of America since 2019, over the past few months i have been blocked from accessing my funds well over 20 times.I recenently deposited a check which was placed on a week hold.Check cleared and i go to use my debit card and I`m blocked again.I call Bank of America only to discover that my account is being closed and I cant access my checking account.I was told that the account was under investigation for fraudulent activity once again.This has happened to me many times within the past few months but now my account is closed no one is helping me, while I am unable to pay my bills, I have been hung up on by agents and misdirected by managers.I am at my wits end trying to deal with the company and dont know what to do about my situation.I feel like the way they are handling the situation is beyond unprofessional and need help retrieving my funds at a realistic time frame.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose!
Consumer complaint received 2022-12-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CMRE Financial Services, Inc. (CA)

-Identify Theft report filed with FTC XXXX 
-Disputed collection account via credit bureaus. 
-Hired a lawyer to negotiate with collection company to pay but denied any negotiations to come to a middle ground.
Consumer complaint received 2023-11-02
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: Experian Information Solutions Inc. (CO)

I had sent out my first letter to Experian on XX/XX/22 to try and remove some incorrect information on my credit report. From then until now I have sent 7 more letters to them and have not seen any change in my credit report. I have repeatedly received letters and emails stating that they think I'm using a third party to dispute for me. I find this very insulting because I do not need to hire someone to send letters for me. I do not believe that Experian is actually investigating what I am sending them since there is nothing being done.
Consumer complaint received 2022-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (VA)

In XX/XX/2016, I traded my Honda for a new vehicle. The account was in good standing and completely paid off. The account has shown closed and paid in full as of XX/XX/2016 on all three credit reports since then. A few months ago, my XXXX monitoring alerted me for delinquent reporting. When I looked, it was the American Honda reporting a 30-day lay for XX/XX/2016. I have tried to get this corrected several times already to no avail. At this point, I am ready to escalate if needed. This is starting to create issues and question my creditworthiness and integrity. I have been denied for business credit, and personal credit limits decreased significantly siting delinquency. I was never late with this account, and I find it ridiculous that this randomly appeared on my credit report 6 YEARS AFTER THE ACCOUNT WAS CLOSED.
Consumer complaint received 2022-12-25
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. (PA)

I am a natural person, i am a living human being, i have rights under 15 USC 1681. 

XXXX is govern by USC 1681. and they violated my rights numerous times. I demand the accounts listed below be removed because : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to 15 usc 1681 : I have rights to privacy and i did not give XXXX written permission to furnish these accounts.
Consumer complaint received 2019-12-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Lenders Investment Trading Corp (FL)

XXXX and XXXX XXXX We have a home loan with RP Funding account XXXX we moved in in XX/XX/2017 there was the hurricane in XX/XX/2017 we had roof damage an other damage as well we hired a claim adjuster for the repairs because we had problem with the insurance company. We won the case and the insurance company sent us the check of with the the mortgage company name as well so XXXX took the check down to RP funding because we needed the roof fix as soon as possible because of the leaks we had, so they told him that he had to mail it to there home office. In which there procedure is they will keep 10 percent of the check until we finish the work an we are to mail the paperwork to them showing what was done an afterwards they will mail us the ten percent back. So XXXX been talking with a lady name XXXX at RP Funding XXXX ext XXXX an all she been doing is giving us the run around my husband has emailed her all the document and she keep telling him that she never received them he has sent them to her over an over he even ask her to send him something an she did he got an he sent the paperwork back to her she still say she didnt get it. Even the insurance adjuster tried to talk with her an she said they dont talk with them so XXXX ask her would she speak with out insurance company because they even came out and inspected the work after the county came out an XXXX said that they can hold the check until we finish paying the mortgage off, so my husband ask to speak to a supervisor an she came back on the phone an said that they need all the paperwork she wouldnt allow him to speak to anyone. What right do they have to keep the check we pay our mortgage on time we are not behind this is our place of resident we have repairs to finished an there holding XXXX XXXX dollar of money that rightfully our yes we understand they are the mortgage company an we are in good standing this is our second home an we never had this kind of problem with a mortgage company an we have had other repairs done an not one problem with the mortgage company RP Funding mortgage company is not living up to how they advertised themselves, we cant get pass XXXX she want let us talk with anyone else there can they hold that money for 30 years thats when the mortgage would be paid off we are both senior citizen so we probably want be around that time so can you please tell us what steps to take to resolved this matter thank you in advance XXXX an XXXX XXXX We can be reached at XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX Florida XXXX
Consumer complaint received 2022-12-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (WA)

XX/XX/2022 was open business account at US Bank. Banker at branch add promotion code to my account. Spoke more then 10 times with bankers, they said all requirements are met, but they have to send my claim to customer care service and after that is silent. Call again and all repeat many times. Visited my local branch and worker who is open dont understand why they not credit XXXX to my account, also spoke with manager of this branch. Have code, names, everything. Thank you for help. XXXX XXXX
Consumer complaint received 2019-01-18
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. (NH)

XXXX XXXX Closed : XX/XX/2017 ... {$1700.00} This account is not mine. I've never done any business with XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX. 
XXXX, NH XXXX