davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-08
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. (FL)

THE ACCOUNTS DISPUTED DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME, PLEASE REINVESTIGATE THIS MATTER AND HAVE THESE DEROGATORY ACCOUNTS OFF MY CREDIT FILE FOR THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT.
Consumer complaint received 2022-05-25
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. (NC)

In accordance with the fair credit act XXXX  Account # XXXX # XXXX XXXX XXXXXXXX, # XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy, 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 instruction.
Consumer complaint received 2017-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

After review of my credit report from Experian on XX/XX/XXXX, i observed they had marked me late on XX/XX/XXXX and XX/XX/XXXX from XXXX XXXX. I contacted menards on XX/XX/XXXX and spoke with representative and she advised my account was only 15d late not 30d and that she would submit a dispute on my behalf for this to be corrected. I contacted Experian and inquired why it was marked 30d and was advised they do not have 15d late only 30, 60, 90 and 120d. Since they did not report 15d late they just made it 30d and reported same on my report. This act was of unproffessional, deceptive, fraudulent and inaccurate and should have never happened. This is not acceptable and was the cause of obtaining other credit approval. I disputed the same with them to remove as the account was not 30d late and that they documented fraudulent and inaccurate information on my file, causing my credit score to drop. Unacceptable.
Consumer complaint received 2022-05-25
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: CITIBANK, N.A. (CA)

My credit card was utilized on XX/XX/2022, at XXXX in the store for a merchant, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX for {$960.00} and it was fraud. During that morning, I was at the hotel pool while my room was being cleaned. My credit card was in the room. I informed Citi Cards that my credit card may have been taken by hotel staff, used and returned OR that somehow the numbers were used. I was told today that I will be responsible for the charges because during their investigation they learned that I provided the merchant with my account information for a " series of purchases. '' This is absolutely not true. I used this credit card twice, once at the hotel and once at a medical clinic to pay for my covid test. I called the hotel and the medical clinic to verify that they were not at all connected to the merchant who charged my card {$960.00}. They verified they are not connected to that merchant. I am not willing to pay for charges I did not incur, and am willing to get an attorney. Citibank Security Services will not re-open my dispute nor credit my account.
Consumer complaint received 2019-06-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Skrill USA, Inc. (NJ)

I deposited {$100.00} to my Skrill account and they sent me an email after 5 days saying it was finally processed and in my digital Skrill wallet, however its not in my actual account, my bank was charged over a week ago and nobody knows where my money wentt. Theres no customer service or phone number.
Consumer complaint received 2015-04-09
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: TMX Finance LLC (DC)

be for l got the loan the was 9.9 % l XXXX what is the interest, there said 9.9 %, l later found out that the interest 119.9099 % if l had know l would not get it l try to pay this off l have paid all but {$1400.00}, now this titleMAX OF XXXX XXXX say my account balance $ XXXXXXXXand look at my loan agreement l was not told that the finance charge is {$3.00} the loan was for {$300000.00} NO told me, TITLE MAX sent a tow truck to try to reposs my truck and have people sat at my house in the day time and night to try to reposs my pickup truck, and refuse to give my title back l have paid over {$450000.00} back but title Max did not tell me the true about the loan, l feel that have paid the loan back,
Consumer complaint received 2019-06-20
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 (FL)

There are inquiries about an mortgage and car loans and a couple other unknown credit card companies that are not being inquired from myself and I have a concern about the research information that I obtained in regards to my credit report and I have to say that after I received the letter from the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and them saying that my personal sensitive information has been compromised by the web payments regarding some credit cards and payments due by 2020 and I have never tried to get a mortgage or a loan for a house in all my life and I have been trying to understand why I have been asked questions about my credit report and been told that they could not identify me giving the information I provided, which is the correct information for my life and my own actions. But because I didn't answer the questions right that means that someone is using my identity and my credit report for their own benefits and I don't have a clue what to do about the situation and the legalities regarding the situation as being a person that has been a victim of identity theft and my son as well. My deceased father 's veterans affairs have been breached and I have been left behind in regards to the changes that I was supposed to look forward to after my father 's death, I was not mentioned as his youngest daughter and I have been trying to get the details from the SSA and the VA. I have a list of suspects that I can provide that could be involved in regards to my credit report and identity theft as well as my father 's information and my youngest son and his grandmother opening up a account for a check to be direct deposited into the savings account with my son 's name on it and it was titled as a XXXX check with research it is a back child support payment for the child my son. I believe it was stolen from my family and I want to get to the bottom of all the things that are going on, I know my son 's father is using people 's identity that have passed away and that have no idea that he is stealing their identities. My email is XXXX XXXX
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

The vehicle was repossessed by about, XX/XX/XXXX XXXX XXXX and was resold on XX/XX/XXXX. 
Under the laws of the State of ILLINOIS and XXXX XXXX and XXXX statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. There was NO provided copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. Since no such proof was provided within 30 days from receipt of the notice, the alleged claim of a deficiency is to be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the XXXX  and XXXX.
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$350.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX Opened : XXXX : {$370.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00}. showing on my credit report.
Consumer complaint received 2019-06-20
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: JPMORGAN CHASE & CO. (MI)

I have a hard inquiry on my credit report from JPMCB CARD SERVICES, XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Inquiry is from XX/XX/2018. 

I had nothing to do with this. When I got my taxes back last year ( 2018 ) the IRS sent me a letter saying I have suspicious activity and may be a victim of identity theft.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Direct Recovery Services, LLC (NV)

A bankruptcy is listed on my credit report along with a creditor by the name of XXXX XXXX XXXX. My identity was compromised and I need these items removed and block as a result of me not creating a relationship with neither company. 

I have never filed a bankruptcy. I have tried contacting the court concerning this matter several times. Please assist.
Consumer complaint received 2018-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

The mailing address was changed on my credit card accounts without my requesting that my address be changed. My credit car company can not explain how this change occurred. Not only was the address change on my account, but also on the accounts of other cardholders that live with me. The credit card company can not tell me when the address was changed or by whom it was changed.
Consumer complaint received 2022-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give 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 removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person ....
Consumer complaint received 2019-11-24
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 (VA)

I have been with Wells Fargo for 5 years. The last 2 years my debit card has had to be replaced 5 times. I have had my card information stolen or sold and had around 12 charges on XXXX. XXXX linked my card to at least 9 accounts none of which were mine. After speaking to the bank the following day an additional 4 charges were presented to my account. While the issue was finally fixed it was very frustrating and resulted in my card being canceled and having no access to my funds immediately. Shortly after XXXX began charging my account unauthorized. The bank did am investigation refunded my money and replaced my card again. But this happened at least 4 more times over just under a year. The bank told me that Visa was  responsible because they kept giving XXXX my new card number. It has been extremely frustrating. With everything going on with Wells Fargo I can't possibly be the only person that has suffered through this. When you card is canceled you can go to the bank and get a replacement card however if your funds aren't there because of a fraudulent charge what can you do. While looking into Wells Fargo please look into these issues as well. I don't have all of the date right now because it was ongoing and there are so many it will take some time to research. But they do need to get into trouble. I have been charged service fees while I didn't have my card because they canceled it do to fraudulent charges. They don't care. And it's really frustrating.
Consumer complaint received 2022-05-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (UT)

This complaint is regarding a property I just purchased at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA , XX/XX/2022. I am attaching information regarding a problem with the mortgage company, Mr. Cooper, who bought my loan from XXXX XXXX XXXX  XXXX out of XXXX. XXXX XXXX was the Mortgage XXXX, also out of XXXX. 

You can see from the string of paperwork that my loan was sold to, what I now interpret as, an unscrupulous mortgage company, Mr. Cooper. I also interpret that their tactics are not 'honest mistakes '. They have been communicated with by me and XXXX XXXX XXXX XXXX XXXX XXXX and she was assured that this was resolved. They keep trying to set up an escrow account and raise my monthly payment by {$300.00}, when it clearly states that nothing is to be changed on my contract or payment amount in the sale of my loan. You would think a mortgage company knows the law concerning the purchase of a loan. We paid our insurance a year in advance and opted to pay our taxes privately too and did not contract an escrow account. For obvious reasons, they want the use of that money until tax time and intend to bully me into submission. 

I have spent countless hours on the phone, many of them holding for hours at a time. Their customer service is horrible. They should call their service department Customer Harassment! Then I was told it would be handled last week. I get letters every week stating that I am delinquent on payments and need to now give them thousands of dollars to 'catch up '. I have made every payment early for the contracted amount of {$1400.00}. They have not credited my payments saying that they don't accept partial payments. They did indeed put them through the bank and put them into a holding account, which account they are probably using to invest and make money while they bully me. 
They see my age of XXXX and probably think I don't have the brains or the courage to fight them. They're wrong. If they are doing this to me, they are doing it to others. This is elder abuse. They have been communicated with numerous times and now are offering to 'only " raise my payment by {$95.00} into an escrow account and are surely are hoping I am so beaten into submission I will just give up and go along with them. They're wrong about that too. I am today making a formal complaint to the Consumer Finance Protection Agency. 

This is not OK! They are telling me that they have to report me to the credit bureaus after 3 months of 'delinquent payments '. On the attached papers you can see I have made every payment on time. 

This comes at a time that I have had a serious and debilitating XXXX  incident while I was traveling in XXXX and was in the hospital for XXXX  days. I had to come home two weeks early and am undergoing therapy and tests. I want them to cease and desist from this harassment and want to know if I can sue for restitution for my time and suffering. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-09-27
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. (GA)

I purchased this vehicle on XX/XX/2022. I have never been late. XXXX XXXX has me down as XXXX XXXX instead of sending in the payment monthly. I have never been more than thirty days late. I received an XXXX for XXXX and XXXX XXXX XXXX.
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CT)

I have disputed negative items on my report multiple times almost close to XXXX times the bureaus have not sent me no letters to verify these items on my report I have not been given anything I have been calling and been giving the run around repeatedly this is very disheartening because I can not get my house until my credit is fixed please look into this matter immediately
Consumer complaint received 2019-06-20
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Onity Group Inc. (CA)

Dear CFPB, Under my private rights of action and administrative process I want to report that Ocwen has repeatedly ignored and has failed to respond to my Qualified Written Request and Dispute of Debt and Validation of Debt Demand Letter dated XX/XX/XXXX sent Certified Mail # XXXX. 
I never contracted with Ocwen at any capacity and have never had any business relationship verbal or written. The OCWEN Account # XXXX corresponding to my property at XXXX XXXX XXXX XXXX CA  XXXX was created without my authorization and through identity theft of my personal and private information. 


The Second Notice of Fault in Dishonor and Opportunity to Cure was served on XX/XX/XXXX Certified Mail # XXXX. 

The Third Notice of Default in Dishonor Discharge of Obligation to Pay Instrument was served on XX/XX/XXXX including my Notarized Affidavit of Non Response. 

Attached please find the above mentioned demand letters and notices for your confirmation and records. 

attentively, XXXX XXXX
Consumer complaint received 2022-12-19
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. (MS)

I submitted a letter to the 3 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 XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XXXXXXXX Balance Owed : {$1600.00} XXXX XXXXXXXX Balance Owed : {$5800.00} XXXX  XXXX Balance Owed : {$2600.00} XXXX XXXX Balance Owed : {$2400.00} XXXX XXXXXXXX Balance Owed : {$1900.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2019-06-20
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX, I received an email stating my Equifax Report decline 14 points. I contacted Equifax and inquire why my report decline. I received one of the representatives from the XXXX, who stated there are several reasons a score would drop and she or no one else will be able to inform me why. 
Today XX/XX/XXXX I pulled my credit report from Equifax and notice my credit score decrease 17 points. I contacted Equifax and got informed again there were several reasons my credit could decrease and no one could tell me the real reason. 
I informed Equifax I have not applied for credit nor had anything new added to my report. Im requesting assistance from CFPB in reference to why my Credit Report Score decrease on XX/XX/XXXX points and XX/XX/XXXX points XXXX. I pay for a Credit Monitoring Service through Equifax as well as a couple other Monitoring Services. I asked the monitoring services why my score decreased for Equifax. They could not inform me but did state, I need to contact CFPB for more information. 
Sir/madam, I have not applied for any credit and nothing been added to my report. Please assist me why Equifax keep lowering my score.
Consumer complaint received 2022-05-25
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. (PA)

These accounts are fraudulent, I never gave these companies written consent to report anything on my credit report nor did I give these companies written consent to have access to my consumer report, no consent is identity theft violation of : -Privacy act of 1974 -15 usc 1681b ( a ) ( 2 )
Consumer complaint received 2022-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (LA)

On XX/XX/XXXX I Spoke With XXXX Different " Relationship '' Agents, Along With A Manager For " Barclay '' To Get An Explanation As To WHY Are My " Purchases '' INFLATED AND CHARGED INTEREST On Page Five Of The Last Two Billing Statements.

1. Page One Lists XXXX For Purchases, And XXXX For Cash Advances : CORRECT. 
While Page Five Has A CALCULATION Of XXXX??? For The Purchases. The Actual Amount Though Is XXXX!!!! 
( Please See Attachments Dated XX/XX/XXXX - XX/XX/XXXX ). 
Second Agent Stated That The Additional Amount Is " From XXXX. '' RETRO BILLING. REALLY??? 
First Agent Just Ended The Call, And So Did A Manager. ( SUM " RELATIONS '' ). 
2. For The Billing Period XX/XX/XXXX - XX/XX/XXXX, Page One Gives XXXX For Purchases, And Cash Advances Of XXXX : CORRECT. 
BUT, Page Five Lists A CALCULATION Of XXXX For Purchases When The Actual Amount Is XXXX. 
WOW! 
I'VE BEEN CHARGED INTEREST FOR INFLATED PURCHASE AMOUNTS. 
ON AT LEAST TWO BILLING STATEMENTS ( POSSIBLY MORE ). 
MY PAYMENTS ALWAYS EXCEED THE MINIMUM DUE BY HUNDREDS YET MY PAYMENTS NEVER SEEM TO BE REFLECTED IN MY BALANCE.