davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-28
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 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 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
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2023-05-13
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: EQUIFAX, INC. (VA)

XXXX XXXX XXXX XXXXXXXX I try to fix reporting on Equifax reporting on the payment history. And they stop reporting the fix Fair Credit Reporting act 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
Consumer complaint received 2020-03-27
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: EQUIFAX, INC. (IL)

acct with XXXX  XXXX XXXX XXXX is showing a balance of XXXX owed with late payments past XX/XX/2107 to present date. it is showing missed payments from XX/XX/2017 and a charge off acct still. the acct was prior disputed with cfpb and the replay to this from XXXX  XXXX XXXX was the negative information would be removed but this has not happened 90 days later. the original case with cfpb is XXXX.
Consumer complaint received 2020-03-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

CAPITAL ONE is attempting to collect on a debt that I do not owe. I was never aware that I had this debt. I did not receive any phone calls, or anything in the mail about the debt. I notice this debt recently when I pulled my credit. I immediately took the initiative to call & & pay the debt. I am demanding that they stop reporting this debt on my credit file.I do not owe the debt, and they are also in violation of my 30 day right to dispute, per the FCRA.
Consumer complaint received 2023-06-09
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. (VA)

To Whom It May Concern, This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 

Please refer to my previous letter for the information that needs to be re-investigated. 

1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX/XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX/XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The Late Payment Status is incorrect. 
XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

6. The Late Payment Status is incorrect. 
XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

7. Identity Theft XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

11. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

12. Identity Theft XXXX XXXX XXXXXXXX XXXX XXXXO Account Number : XXXX Please remove it from my credit report. 

13. Identity Theft XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

14. Validate Account XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

15. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, VA XXXX The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Consumer complaint received 2022-12-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ALLY FINANCIAL INC. (FL)

REMOVE INQUIRY LETTER OF DELETION NOT PROVIDED ACCOUNTS DONT EXIST!! 
XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX | XXXX ( XXXX ) XXXX | XXXX Last four of my SS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX Disputed by Consumer. 
Investigation of Fraudulent Hard Inquiry on XX/XX/XXXX Dear XXXX XXXX XXXX XXXX XXXX, TX Disputed by Consumer. 1-5 days My address is listed above. Respond by Mail only and provide a copy of credit report along with results of investigation. 
( Ally Financial ) Hard Inquiry. On Report number XXXX Reason : On my credit report I went to Off Lease Only and was told specifically that one one hard inquiry would be on my credit report. However there are multiple inaccurate reports of credit pulled that I didnt authorize. I reached out to The legal department of Off Lease Only and they will investigate because that should have never happened. Therefore this is a result of fraud and miscommunication. I filed a FTC report today. Listing the negligence on XXXX company for not fixing these when I had an agent on the phone. The burden of proof is not belong to me. Im the Consumer who is suffering because of your negligence.. 
You are supposed to investigate and report back to me ONLY BY mail correspondence the results of your finding. Tell me how can you do an investigation and verify it is accurate. Did you get a copy of my signed verification that I wanted Ally Financial to provide me a car loan?. How do you verify through email. Can you provide to me your source so I can also dispute with them as well? ARE YOU FAMILIAR WITH SOMETHING CALLED 15 USC sec 1681i ( a )? I heard that if you can not provide proof these accounts must be deleted. Well I want these 2 accounts deleted if they are not 100 % right and correct. So could you please check on these and get back to me? 

On XXXX of XXXX. I spoke with your fraud department who told me it was my responsibility to contact each company that has pulled my credit file. I did contact directly Ally Financial and asked if they will remove the negative item and inquiry from my credit report by letter or by phone. 
Ally Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX. I called them 5 times XXXX XXXX XXXX. They said NO ACCOUNT FOUND? They can not write me a letter of deletion since they dont even know who I am? 
Awaiting your prompt response FTC report number included with this letter. Try not to lose it like you did the last one I sent you certified mail. Unable to obtain a Deletion Letter from Ally Financial No Account found via My social security number. 
Sincerely XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-27
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc. (TX)

received email from company asking for more information according to the credit report it was sold to another lender.the account was opened with a joint account for XXXX XXXX XXXX XXXX, my social is XXXX, the remarks on the credit report says chargedoff sold to another lender, the account has a XXXX balance but a high balance of XXXX dollars the amounts are in correct.the car has been sold and should be removed from both of our accounts, they do, t have a record, requesting for more in formation, I called the company and barefied their response we don, t have any information .im asking for this to be moved from our account.the car was purchased at XXXX XXXX in XX/XX/2014, it was closed XX/XX/2014, XXXX XXXX my social is XXXX XXXX XXXX
Consumer complaint received 2019-04-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (GA)

I am a flagstar customer. I was in active foreclosure until XX/XX/2019. Flagstar would not help me. I reached out to the ga hardest hit funds. The ga hardest hit fund approved my request sent flagstar the amount to bring my loan current. I checked on flagstar website not sure of the date but late XX/XX/2019 and the had sold my loan to XXXX and on their website my loan was paid up until XX/XX/XXXX. I have proof from the last complaint against flagstar. On XX/XX/2019 flagstar called me asking when will I be making my XX/XX/XXXXpayment. I said I am paid up until XX/XX/2019. They have took those payments from me and paid advances. But my advance was paid with the XXXX. I really think someone at this company is deliberately trying to put my loan in default so I can lose my home. When I call my call is still routed to the default department. Why? I am caught up. I requested XX/XX/2019 to have those funds moved back to my payments. I checked this morning XX/XX/2019 it looks like I am due 4 2 payments. How is this possible. Flagstar is doing alot of underhanded things to make sure I lose my home. I was not prepared to make a mortgage payment until XX/XX/XXXX like the letter and my online account stated. I hope they honor this letter signed by their office of president. If not I am moving forward with filing a lawsuit ag6this company. Because somebody is doing something illegal.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I called you on Wednesday XX/XX/2023, and you informed me that someone stole my social security number by the name of XXXX XXXX and has used my credit to open an account or accounts without my knowledge. I can not get an Equifax report and I am requesting one. Equifax keeps sending the same letter requesting valid proof of my ID. I have sent them this information TWICE and they keep sending the same letter. I have sent them my driver 's license, SSN, and XXXX proofs of residence. I just want to review my credit report so I can see if this thief has opened accounts or not. This is so frustrating.
Consumer complaint received 2022-10-14
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: Experian Information Solutions Inc. (MA)

Experion  and other credit agencies did not delete a debt reported by XXXX XXXX of appx {$2000.00} in XXXX XXXX from an original creditor identified as " XXXX. '' XXXX is a defunct business headquartered in XXXX XXXX and XXXX which sold interests in a vacation club that did not exist. I personally paid almost {$50000.00} to XXXX but in XXXX legally transferred my interest which had been sold to XXXX, but which ceased to have any value whatsoever. 

Every effort of XXXX  to bill was disputed as was every attempt at collection by XXXX. Neither entity submitted proof that the debt was valid. I also contested with Experion,  and they only verified that the debt was valid. They did so only by reviewing information from XXXX as XXXX no longer exists. The owner of XXXX is apparently in XXXX for XXXX and it is my belief that XXXX is knowingly attempting to collect on a fraudulent debt from a fraudulent company that no longer exists.
Consumer complaint received 2024-02-01
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: Weber & Olcese, PLC (CO)

Once I connected on phone-lady said to ignore it because possibly the wrong address. 
second try to contact a man would not send the information by certified mail to check SS #, signature, address, and loan info on loan company. The man wouldn't identify himself only to state that I owed XXXX and when was I going to pay it. The man stated that I received the loan in XXXX, and spoke to them in XXXX promising to pay XXXX ; XXXX as a settlement. I am in the automobile business and was on unemployment in XXXX & XXXX. No company is going to loan that much money with no job! The man said the funds came from XXXX. I asked him on 3 occasions and he repeated XXXX witch to my best guess is XXXX XXXX XXXX XXXX??? The biggest problem I am currently trying to refinance my home. there is no need to tell you that the finance company is giving me all kinds of grief. The last piece of info is my wife and I did a complete credit report search 2 years ago and this is a total surprise and disgust that people are trying to get what is not theirs.THE Company involved is XXXX in XXXX MI XXXX
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

According to the regulations outlined in 15 US Code 1681i ( 6 ) ( b ) ( iii ), consumer reporting agencies, such as XXXX, XXXX, and Transunion, are obligated to provide a written explanation to consumers upon request, detailing the methods used to verify the accuracy and completeness of their information. This includes disclosing the names and addresses of any sources contacted during the verification process, along with their contact information. Despite my request made over 30 days ago for documentation to validate a specific account, I have yet to receive any such documentation. Without legitimate proof supporting the inclusion of this account in my credit report, its validity is questionable.
Consumer complaint received 2022-12-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On about XX/XX/XXXX I receive documents from XXXX XXXX. It was a total of ( XXXX ) pages out of those pages ( XXXX ) was repetitive junk pages!!!. The XXXX pages that was left was the Payment History for year XXXX thru XXXX. I don't know why they chose those years specifically. XX/XX/XXXX XXXX XXXX XXXX for ( - {$10000.00} ) was subtracted from this Loan. This transaction was posted for XX/XX/XXXX. The Misapplication Reversal - {$1400.00} date XX/XX/XXXX, posted XX/XX/XXXX. XXXX XXXX XXXX on XX/XX/XXXX for ( {$10000.00} ) was added back to the Account. There was ( XXXX ) transaction took place in XXXX. There was ( XXXX ) transaction in XXXX. Misapplication Reversal ( {$7000.00} ) Hazard Insurance ( - {$2600.00} ). In XXXX Misapplication Reversal ( - {$5900.00} ) Hazard Insuranc ( - {$4400.00} ) Misapplication XXXX Reversal ( - {$1000.00} ) Hazard Insurance ( - {$1800.00} ) Hazard Insurance XXXX ( - {$1800.00} ) This is only a small picture as to what my Payment History looks like. XXXX -- -- ( XXXX ) Transaction took place, XXXX -- - ( XXXX ) Transaction, XXXX -- ( XXXX ) Transaction, XXXX -- -- ( XXXX ) Transaction, XXXX -- - ( XXXX ) Transaction, XXXX -- - ( XXXX ) Transaction, XXXX -- - ( XXXX ) Transactions???????? Why so many Transaction took place on a long that was refinance in XXXX!!! Why do this Loan have 5 different Loan no. and 4 different FHA no. If anyone think this is a Duplicate question is because I never receive a ANSWER!!!!
Consumer complaint received 2023-06-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am writing again to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. I submitted a dispute before to your company regarding XXXX XXXX, XXXX XXXX, and XXXX. XXXX, XXXX XXXX. As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA.
Consumer complaint received 2020-06-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BBVA FINANCIAL CORPORATION (TX)

I have a credit card product with BBVA compass on XX/XX/2020 I attempted to make my monthly payments but was unsuccessful because access to the bank and the services was limited by the corona pandemic. 
I made several attempts to make my payment but was only able to finally make the payment on XX/XX/2020. 
You received a late payment for that month and have tried to resolve with the bank but can not seem to get any help. 
I wanted to summit this complaint as my credit has been severely affected, dropping 100 points and affecting my credit point.
Consumer complaint received 2020-03-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO. (NY)

I held a Chase credit card. I was unable to continue to make payments, due to going on XXXX ( SSDI ). I was " offered '' a reduction in the debt payoff amount. I agreed to the arrangement, which was to consist of 6 payments directly/electronically taken on the XXXX of each month, from my Chase checking account. Two of those payments were debited, the last is shown here : XX/XX/2020 CHASE CREDIT CRD EPAY ONUS XXXX TEL ID : XXXX ACH debit {$130.00} {$1300.00} I have suffered another health setback. When I called Chase Customer Service and asked if I could terminate the electronic debit, they said I could not. I asked if I could terminate the electronic debit I have for my phone service - that they were willing to do. This did not seem right to me. I asked if I could negotiate a lower amount per month, over a longer period of time, Customer Service transferred me Credit Card services, and they transferred me to Chase Recovery Services. Chase Recovery Services answered, I asked to terminate the payment arrangement. My call was disconnected. I went through the same process again, two times on Thursday, XX/XX/XXXX, with exactly the same results. If Chase Customer Service could terminate any other electronic debits I was having made, then they should have been able to terminate this one. They have refused.
Consumer complaint received 2020-03-25
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: EQUIFAX, INC. (FL)

I have reviewed my credit report, and there is information that I feel is incorrect. This information has been on my credit for a long time, and it should not be there. 
I am asking to remove this one address from my credit report because I have never lived there and this address never belong to me or my family. 
XXXX XXXX XXXX XXXX, XXXX, FL XXXX please remove as soon as possible That should not be on my credit report, and I should at least be able to say that I am disagreeing with them. Please make these changes immediately.
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 


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