davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-14
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: EQUIFAX, INC. (NJ)

I'm trying to apply for credit cards but I am unable to do so due to the damages on my credit report and according to the law 15 U.S.C 1681 this is a defamation to my character. On XX/XX/XXXX I submitted a dispute stating that their information is incorrect because it can't be verified as well as sent them documents that the source they are claiming they verified the information with in fact doesn't verify that information.
Consumer complaint received 2023-03-14
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

Dear Sir/Madam, I am writing to dispute several inaccurate items on my credit report. After reviewing my credit report, I have identified several negative items that are harming my credit score. The following items are incorrect and must be deleted from my report immediately : XXXX XXXX  Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. According to the Fair Credit Reporting Act ( FCRA ), you are required to update this account and delete the inaccurate information immediately. 

XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

The following personal information is incorrect Account Number : XXXX XXXX XXXX - This is not my name. According to the FCRA, you must delete it immediately from my report. 

The following personal information is incorrect Account Number : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, WI XXXX XX/XX/XXXX - This address is not correct. According to the FCRA, you must delete it immediately from my report. 

The following personal information is incorrect Account Number XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX XX/XX/XXXX - This address is not correct. According to the FCRA, you must delete it immediately from my report. 

XXXX XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. According to the FCRA, you are required to update this account and delete the inaccurate information immediately. 

XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull, and I demand that you remove it from my report immediately. According to the FCRA, you are required to investigate and verify the accuracy of this inquiry. 

I request that you investigate these items and take action to correct the inaccuracies on my credit report. I expect a prompt response from you within 30 days of receiving this letter. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (MI)

A citi double cash card was opened on XX/XX/24. After I received it in the mail I called to have the account closed on XX/XX/24. My previous last name was used to create the account. Citi closed the account.
Consumer complaint received 2023-03-14
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: Bread Financial Holdings, Inc. (IL)

This serves as my official notification to you, or any individual ( s ), concerned that I here now have confliction with the reportability of your claim ( s ) until it's testimonial that privilege to report was executed adequately and in a well established and chronicled compliantly reported compliant manner, even to the mandates in accordance with the XXXX required XXXX described XXXX XXXX data-filled field formatted reporting standards, of which there can be no deviation for retaining of that aforementioned assumed privilege to report any claim.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (CA)

I had paid off the loan early in XX/XX/XXXX and was expecting to have my score updated because it significantly affecting my credit score and preventing me from getting approved for my student loan I need this semester urgently As soon as possible. 

i have filed more than 5 disputes to XXXX including documentation stating that the loan has been paid. I even call XXXX to do it a different way yet I still keep getting the same results saying the the company affirm reported the information is accurate when its clearly not. Especially when they website itself generated a certificate document stating that the loan has been paid completely! its reported false incorrect information! 

I need this fixed fast! 

I checked on XXXX and that balance isn't shown there only in XXXX so they need to properly recognize it and update it
Consumer complaint received 2021-08-13
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This account that's appearing on my profile by XXXX XXXX XXXX XXXX in the amount of {$1400.00} is not mine and i do not have an account or contract with this company. Transunion is repeatedly reporting this account as accurate when the above account does not exist, matching addresses is not validation of an account.
Consumer complaint received 2024-02-21
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST PORTFOLIO SERVICING INC (AZ)

XXXX and XXXX there were Unauthorized payments which added up to {$470.00} plus a current payment of {$82.00} was charged on my First Access credit card without any of my knowledge or my permission or my consent.I contacted the credit card company and filed a dispute but they Closed my account.
Consumer complaint received 2024-02-21
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: CREDIT ACCEPTANCE CORPORATION (MS)

I RECENTLY PULLED THE Y REPORT AND STILL SEE THIS LATE PAYMENT APPEARING THAT WAS ALREADY DISPUTED BEFORE CREDITACPT XXXX. I WAS NEVER LATE. I ALWAYS MAKE SURE THAT I MAKE PAYMENTS ON TIME. I DEMAND THIS ACCOUNT TO BE UPDATED AND REMOVE THE LATE PAYMENT TAGGING AS SOON AS POSSIBLE AS YOU ARE VIOLATING MY RIGHTS Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. I AM REQUESTING PROOF THAT YOU CLAIM THAT I WAS LATE CAUSE I MAKE SURE THAT I ALWAYS MAKE PAYMENTS ON TIME.
Consumer complaint received 2024-04-10
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NJ)

I purchased ( XXXX ) XXXX  prepaid gift cards serviced by XXXX XXXX XXXX XXXX XXXX from XXXX stores during XXXX - XX/XX/2024. Each card was purchased with an initial value of {$500.00} for a total value of {$3500.00}. 

The ( XXXX ) cards were not working properly for purchases. Therefore I called XXXX on XX/XX/2024. I provided the card numbers, expiration date and CVV codes for each of the ( XXXX ) cards that did not work. The ( XXXX ) XXXX replacement cards were mailed to my home address on XX/XX/2024. The order numbers for the XXXX replacement cards were : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The XXXX replacement cards can not be used until they are first activated by XXXX. I called XXXX XXXX XXXX on XX/XX/2024 to activate the NEW cards but was told by XXXX XXXX XXXX that the NEW cards could not be activated until I provided information about the OLD cards, that were already replaced. THIS IS UNREASONABLE. I already provided XXXX with this information about the XXXX cards on my call on XX/XX/2024.
Consumer complaint received 2021-07-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (VA)

I did not receive my overage escrow check in the amount of {$900.00} that you said you sent XXXX on XX/XX/XXXX. I sold that property at that address in XX/XX/2019. I have not lived there for two years!. I have repeatedly provided my current address to PHH mortgage. Why are you not acknowledging my current address! My current address is attached. PHH mortgage look at the attachment that is my current address. Overnight my escrow check to my current address. This is my 4th complaint.
Consumer complaint received 2023-07-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-07-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 2023-02-10
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. (AR)

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 Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX 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 2023-07-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (NV)

I has a car loan with Wells Fargo back in XXXX when I purchased my first car however it was a nightmare I had gap insurace well my car was repossessed by Wells Fargo auto finance I always had fees or late charges added to the account I was never late as they would pull from my Wells Fargo account I have had negative credit reporting and resulting in my having to file for Bankrupcy in XXXX
Consumer complaint received 2023-07-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (NC)

Changed car  insurance companies on XX/XX/2023. Prior to this, on XX/XX/2023 I informed XXXX XXXX ( XXXX ) I would make the switch. I called and asked the Customer Service Rep ( CSR ) what was owed on my account. ( Previously, I had changed from XXXX XXXX XXXX to XXXX XXXX without any problems. ) She informed me I owed them {$71.00} but the XXXX XXXX XXXX might charge me a fine of {$550.00} for switching insurance companies. I had never heard of this " fine '' and I called the office of the XXXX XXXX XXXX. They advised me some insurance companies say things like this, but they have nothing to do with the policies insurance companies exercise. I sent the {$71.00} that the CSR said I owed to LM. My check was received & cashed.

As I mentioned, CCS is the XXXX collection agency that contacted me about owing XXXX XXXX money but unlike the XXXX collection agency they've reported this erroneous information to the credit reporting agencies. 
I want CCS to have their collection debt removed from my credit report immediately.
Consumer complaint received 2024-02-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC (NJ)

Lakeview Loan, myloancare.com, was hacked and all financial data form this business was leaked online. Ever since then, I have been unable to make payments through their online portal. They are evasive with answers, refuse to answer what informational was leaked and refuse to release any details on why their payment systems are not actually functioning. They continue to extend the payment dates while my bank has not received a single XXXX of their " successful payments '' that Lakeview Loan claims they have received, that they email successful payment receipts of, and that they move the next payment installment date forward. I believe that Lakeview Loan is engaging in criminally fraudulent behavior.
Consumer complaint received 2023-09-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I had been paying my credit card as agreed with 100 % on time payments. I just found out my card was charged off. When I called they said that no other purchases had been made but they had charged me a fee and then subsequently late fees and interest. No statement was sent to my address on file at any time. I did not become aware that any payment was owed until a credit monitoring service notified me that my score was destroyed. CapitalOne charged off a completely good standing and inactive account without any purchases having been made. The amount charged off was 100 % fees and interest with no principal. No statement was ever sent to me. No collection call was ever made to me. I had not used the card and had absolutely no way to know this was happening.
Consumer complaint received 2023-01-13
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My family and I were affected by Hurricane Ian and Nicole during the months of XXXX and XXXX in XXXX. I called XXXX  XXXX XXXX on XX/XX/2022 and Spoke to XXXX to explain my situation and hardships with payments due to the hurricane and he advised me that the late fees would be removed from my credit card account and no late payments would be reported to the credit bureaus. My credit report has a late payment for the month of XXXX. I tried to dispute this with XXXX  XXXX XXXX multiple times and they will not remove this from my credit reports. Even with the difficulties we endured during this natural disaster I still made payments on my account in XXXX and XXXX. I have been banking with XXXX  XXXX XXXX for almost 10 years with my oldest credit card account of 6 years and not a single late payment with them.
Consumer complaint received 2023-07-26
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: EQUIFAX, INC. (IL)

l Statement someone use my identity to apply for credit, heres a list of unauthorized inquiries and accounts on my credit report that i wish to be removed : ( inquiry : XXXX  XXXX ), ( inquiry : XXXX XXXX XXXX  ), ( inquiry : XXXX XXXX XXXX XXXX ), ( Accont : XXXX XXXX XXXX  ), Account : XXXX  ), These above accounts and inquiries has violated my rights. The court FCRA 15 USC 1681 B states that any close account, late payment account, collection account, charge off accounts, must be removed. 15 USC 1681 section 602 Alpha states i have a right to privacy, 15 USC 1681 604 Alpha section 2 states A consumer reporting agency can not furnish a account without my written instructions, or consent. All the above accounts and inquiries is unauthorized and should be disputed from my XXXX  Report and all 3 Credit Bureaus XXXX Equifax And XXXX Under the laws of the FCRA ( 15 USC 1681- 1681u, these unauthorized inquiries and accounts must be removed
Consumer complaint received 2023-03-14
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. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Consumer complaint received 2024-04-09
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (MA)

I purchased a Vanilla gift card from a local XXXX 's store, but unfortunately, the card has not been functioning correctly. When attempting to use it, I discovered that it can not be swiped or utilized for transactions. 

Subsequently, I initiated a service request ( XXXX XXXX : XXXX ) to obtain a replacement for the defective card. Despite this, it has been over XXXX months, and I have yet to receive the replacement. During this period, I have reached out to customer service on more than XXXX occasions without resolution to my issue. 

Given these circumstances, I am seeking your assistance to expedite the replacement of my Vanilla gift card. Your prompt attention to this matter would be greatly appreciated, as it has been quite an inconvenience.
Consumer complaint received 2023-07-25
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. (DC)

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 items 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 : 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 2024-04-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC. (MA)

on XX/XX/XXXX at XXXX XXXX  Ally Bank called to inform me that someone was trying to wire transfer money from my savings account to an account in the XXXX XXXX XXXX XXXX. When I told them that I did not know this person or authorize the transfer they transferred the money at XXXX XXXX  to XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX ACCT XXXX NAME : XXXX XXXX ID XXXX XXXX XXXX. The amount stolen from me was {$11000.00}.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have many incorrect and inaccurate Information on my credit report, Capital One/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am requesting immediately action due to fraud and I have filled many of reports and I have been advised legally to take to further matters if this information is not removed as FCRA allows and regulations. Fix all inaccurate Information and delete immediately as this is my final request.
Consumer complaint received 2023-07-24
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. (MN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.