davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-10
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. (GA)

I looked at my current credit report and noticed several discrepancies. US C 1681 i ( 5 ) requires that the bureaus use maximum accuracy, and this has not been displayed in my case. 

My rights are being violated and preventing me from purchasing a home for me and my family. 

These violations come with penalties if not corrected. I'm also trying to figure out how they did a thorough investigation. What MOV was used? It appears they used information from other credit reporting agencies, which is a violation according to FRCA. XXXX, Transunion, and XXXX are all reporting inaccurate information causing me financial harm.
Consumer complaint received 2020-06-19
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. (OK)

I disputed the account XXXX ( XXXX XXXX ) {$120.00} with Equifax, XXXX  and XXXX  and the incorrect information is still there. I do not know who XXXX ( XXXX XXXX  ) is. I have never signed an agreement with XXXX ( XXXX XXXX  ). They should NOT be on my credit profile. 

I disputed the account XXXX ( XXXX XXXX   XXXX  ) ( {$370.00} ) with Equifax, XXXX  and XXXX  and the incorrect FRAUDULENT information is still there. I do not know who XXXX ( XXXX XXXX XXXX ) is. I have never signed an agreement with XXXX ( XXXX XXXX XXXX ). They should NOT be on my credit profile. 

I disputed the account XXXX XXXX with Equifax, XXXX  and XXXX  and the incorrect information is still there. I do not know what this XXXX account is. I have never signed an agreement with XXXX. They should NOT be on my credit profile. 

I disputed the account XXXX XXXX XXXX ( {$240.00} ) with Equifax, XXXX  and XXXX  and the incorrect information is still there. I do not know what this XXXX  XXXX account is. I have never signed an agreement with XXXX  XXXX. They should NOT be on my credit profile. 

I sent disputes about the above accounts on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The fraudulent errors still exist
Consumer complaint received 2020-06-19
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. (OK)

I disputed the account XXXX ( XXXX XXXX  ) {$120.00} with XXXX, XXXX  and Transunion and the incorrect information is still there. I do not know who XXXX ( XXXX XXXX  ) is. I have never signed an agreement with XXXX ( XXXX XXXX ). They should NOT be on my credit profile. 

I disputed the account XXXX ( XXXX XXXX   XXXX  ) ( {$370.00} ) with XXXX, XXXX  and Transunion and the incorrect FRAUDULENT information is still there. I do not know who XXXX ( XXXX XXXX XXXX ) is. I have never signed an agreement with XXXX ( XXXX XXXX XXXX  ). They should NOT be on my credit profile. 

I disputed the account XXXX XXXX with XXXX, XXXX   and Transunion and the incorrect information is still there. I do not know what this XXXX XXXXcount is. I have never signed an agreement with XXXX. They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX ( {$240.00} ) with XXXX, XXXX  and Transunion and the incorrect information is still there. I do not know what this XXXX XXXX account is. I have never signed an agreement with XXXX  XXXX. They should NOT be on my credit profile. 

I sent disputes about the above accounts on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The fraudulent errors still exist
Consumer complaint received 2023-03-17
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. (TX)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

THIS IS NOT A DUPLICATE COMPLAINT. This is a complaint about unfair business practices. 
I had two Capital One Credit Cards. I was paying monthly and my credit score was mid XXXX 's. The cards were stolen and used. I filed sheriff 's report and FTC Identity Theft reports. Payments were made by the thieves so card use could be continued, payments bounced, and the credit limit was exceeded. ( I yet to receive this information about the fraudulent payment method. ) I requested charges be removed but cards were charged off, balance reduced, and card debt was sold. The Capital One lady apologized and said there was nothing they could do. So now I have bad credit and law suits. I have been working on this for 3 years.
Consumer complaint received 2020-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (IL)

Leased vehicle was returned on XX/XX/20. Final check # XXXX of {$990.00} was mailed on XX/XX/20 to pay off the remaining balance, posted on XX/XX/20 on their website incidicating payment was received. The withdrawl also appeared on my bank account on XX/XX/20. Shortly after this I have started to receive calls from Kia Motors Finance ( KMF ) indicating my payment was not recieved and there was an outstanding balance of {$990.00}. I spoke to several individuals over the phone at KMF and have gotten very different explanations each time. I was first instructed to wait 7-14 days due to the check possibly not getting posted on their end, even though my bank statement showed the transaction. After this incident I spoke with another individual who requested my check number which I provided and he explained to me they would have a supervisor look into this matter and contact me via phone. I never heard back from the supervisor, each member of KMF indicated they saw the comments from the last employee I spoke with however nothing was done. Most recently within the past few months ( XX/XX/20 ) I was advised I need a copy of the check in order for them to look into this matter. The transaction that took place on XX/XX/20 from my bank indicated my check was converted to an electronic transaction by the merchant. ( KMF ). Due to this I was unable to obtain a copy of the check. I have contacted my bank as well and they only have the transaction that took place on that day. On XX/XX/20 My credit reporting agency alerted me that I am deliquent on this payment. I have once again contacted KMF explaining this charge has already been paid off and I have documents I am willing to send over to support this. However, KMF always gave me the same response now that I need a copy of the check and they were not sure why it got converted to an electronic transaction. I most recently on XX/XX/20 recently filed a dispute with XXXX  indicating this information is not correct. On XX/XX/20 I received my dispute back results indicating this information was reported correct however the KMF loan indicates the account as closed but I still show the negative impact on my credit report. Thank you for taking the time to read this, I would like this issue to get resolved as soon as possible.
Consumer complaint received 2023-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (NJ)

Our mortgage companys name is BSI financial services. Since they took over our account, we havent got our payments updated on time. We like to send our check with the payment two weeks before but they would supposedly only get it after the due date had passed. Thats a lie and as far as Im aware mail does not take more than 4 days to be delivered. In XXXX of XXXX  they said they got our payment after the due date so instead we had to pay an overdue amount in XXXX. Then BSI said in XXXX they didnt get a check at all from us after we mailed it to them so we had to call our bank to stop the payment on that check. We then made a payment over the phone for XXXX and XXXX together since they did not receive the XXXX one prior. It was not applied to our payment and we had no idea until we got a phone call 2 weeks later that they had never received our payment. Aside from our payment issues, my wifes name is completely wrong on the paper work ; Totally WRONG. We keep calling to ask them to fix the problem but they seem to be a very unorganized company because they never know what is going on. Now, we got our XXXX statement and the name of my wife is still wrong. I called again after calling 3 times this month and left messages to get a call back and it seems like nobody cares to call me back and assist me. I just want to be able to pay my mortgage and avoid late fees or damages on my credit record.
Consumer complaint received 2020-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I've contacted EXperian previously about inaccurate and fraudulent information showing on my credit report. Experian is in deliberate violation of the Fair Credit Reporting Act. I have provided Experian with proof that they are reporting inaccurate information, but they chose to still report the inaccurate information.
Consumer complaint received 2020-09-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2020-09-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

I own the apartment at XXXX XXXX XXXX XXXX, XXXX, NV XXXX. There was a fire on XX/XX/20. XXXX XXXX issued a check for {$94000.00} to the lender Mr. Cooper ( Nationstar Mortgage. ) They released a check for {$40000.00} on XX/XX/20 and a check for {$27000.00} on XX/XX/20. The work was complete on XX/XX/20 and signed off by XXXX County. They will not release the final check for {$27000.00}. XXXX XXXX  showed up to inspect the property on XX/XX/20 They did not turn in the report to Mr Cooper until XX/XX/20. The reason they are giving me for not releasing the remainder of funds is that there is an exception on the account. The reason there is an exception on the account is because I called and asked for these three things in writing. 1 ) A copy of the legal document showing they have the authority to withhold the funds. 2 ) A letter of apology to the contractor for paying late. 3 ) A letter  explaining why they use XXXX XXXX. I also call the corporate office in XXXX three times. They said they would issue a check if I withdrew the three requests above, but it would still take another week. I guess that if I don't withdraw the requests they will not send the check XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX
Consumer complaint received 2020-09-28
Product: Credit card or prepaid card — Store credit 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. (FL)

I am being charged for the transaction of laptop which did not materialize XXXX {$1000.00} XXXX. Irony is I do not have the laptop also but still I am being charged for it. 

It seems the Citi bank is confused with the other transaction where the laptop was purchased but was returned back ( noisy fan ).
Consumer complaint received 2020-06-19
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. (CA)

I applied for a XXXX  XXXX XXXX credit card on XX/XX/20 because I want to start building up my credit but unfortunately I was not approved because I guess there are four accounts in negative standing on my credit report. I wasn't aware of these accounts before today because like I said I'm barely starting to build credit. These accounts do not belong to me ; I did not open any of them and I did not give anyone permission to open them in my name. I have no idea who is responsible for these accounts but I did not benefit anything from them being open on my behalf such as money, goods, services or any other benefit and I never made payments towards these accounts. The accounts were opened with these companies-XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not have a contract/agreement or any affiliation to any of these companies nor did I ever authorize them to access my credit information. I have filed this report with all the information I have.
Consumer complaint received 2020-09-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (OR)

We went into forebearance on our mortgage, starting in XXXX, due to COVID-19 XXXX. We were approved for forbearance through XXXX, and I called our loan servicing company, Dovenmuehle Mortgage, in XXXX to find out what our repayment options are. They stated that there are 3 options and one of them is a loan modification, which could allow for an interest rate adjustment. The representative said said she would start the paperwork and evaluate our loan. She said she would keep us posted and we could call them if we have questions. Last week we received a " delinquent '' notification that we were past due on our XXXX payment with a late fee. Not only were we not updated on the status of our mortgage or the XXXX due date, but we were misinformed on our repayment options. I was told we would have the option for a rate adjustment. But the representative I spoke with today said they don't offer rate adjustments. The company did not communicate accurate information nor did they keep us posted on our current loan status.
Consumer complaint received 2023-01-05
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (GA)

On XX/XX/2020, I called and spoke with a representative at AFNI to dispute the amount owed with XXXX which was two months of service. I have been a customer of XXXX/XXXX ( previous name ) for over 15 years and know firsthand that XXXX doesn't allow the customer to become two months behind in payment before disconnecting them. However, after another service failed to provide service at my address, I decided to pay the entire balance in the XXXX store since they are the only wifi/cable providers in my area. Additionally, I sent the receipt of the bill paid in full to AFNI but yet the collection remains on my account with the three credit bureaus.
Consumer complaint received 2022-11-07
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. (GA)

The credit bureaus have been using my credit report improperly 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 my account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2023-03-16
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. (DE)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, DE XXXX XX/XX/2016 XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Balance : {$2500.00}
Consumer complaint received 2016-07-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

I called my bank to close out XXXX accounts. When they completed closing out the account they asked if i needed anything else. I told them i would like statement copies for the last year. The representative logged the request and asked there was anything else they could help with but never told me the cost. I was surprised to see XXXX had been taken from my account in XXXX different XXXX transactions. I called the day i saw the charges to see about refunding them. They acknowledged the fact that they did not give me the opportunity to decide about the amount and the account it should be taken from. However they said they could n't give me a full refund for the charges. This caused my overdraft protection to be charged which cost me another fee. They refused to refund that fee as well.
Consumer complaint received 2023-03-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filed a fraudulent case with Bank of America on XX/XX/XXXX because someone had stolen an amount of $ XXXX from my checkings account and I have been waiting for 63+ days and going now and I still haven't received my money. The temporary credit was reversed because BofA made the mistake of making a duplicate claim and not reopening my original claim resulting in them taking back my credit and never issuing any temporary credit or funds in the entire investigation. Lawfully I believe my banking institution has failed me and failed to acknowledge the fact that this situation has burdened me to a point of financial collapse.. I live a very stressed and painful life since encountering this fraud and it has not been an easy journey for me. The customer service BofA has provided is not great and unempathetic to my needs as a customer of 9 years ; this is also the first time this has happened to me. I don't want this to happen to anyone else and I would not want BofA to overlook the lives of its customers the way they have mine in this situation. My identity and money matter to me.
Consumer complaint received 2023-03-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

On XX/XX/2023 I sent a second complaint via CFPB regarding Equifax not granting my block and delete request although all required documentation was provided. On XX/XX/2023 Equifax provided feedback via CFPB stating that they have completed this investigation by contacting the furnisher. Equifax was supposed to block and delete NOT hold an investigation. Additionally, when an investigation is held it shall be an INDEPENDENT, PERSONAL investigation. Furthermore, Equifax claims to have provided a summary of the results listed however, theres no summary, just another request for me to Be specific with my concerns by listing the account names, numbers and nature of dispute. This is information that Equifax already had when I sent them my initial block and delete request. I am now for filling this request AGAIN via CFPB complaint for : Account name : XXXX XXXX  Account number : XXXX Nature of dispute : Identity theft Equifax is supposed to be fair and impartial with what they report and are required and obligation to ensure theyre reporting accurate information on consumers they share/sell information on. 

Attached below is my initial notice regarding block and delete request.
Consumer complaint received 2020-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am a victim of Identity theft I had notify all credit bureau about my Identity been stolen and I had request number of time to block those account open by Identity theft to be block under Consumer 605B Blocking Request Letter to CRA. I had provided then with all necessary document required including, Copy of Credit Report, Identity Theft Report, Proof of Identity, FCRA 605B, 15 U.S.C. 1681c-, And police report.

after number of request by me. XXXX, Equifax and XXXX  that had not block or remove any account report been open by identity theft. and had not fallow the rule per ( pursuant to section 605B of the Fair Credit Reporting Act ) and By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act. The Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information maintained by credit bureaus