davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-02
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. (CO)

Equifax is reporting incorrectly that I am ( 120 ) days past due on the DPT EDXXXX partial account numbers XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureau and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureau to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

I am a father of XXXX kids and have experienced credit card fraud on my identity. This has really hurt my credit score and is effecting my life and my kids life. I should not have to deal with a debt that is not mine. Please help me fix this especially during this time with even more financial struggles because of the Coronavirus/ COVID-19
Consumer complaint received 2020-03-23
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. (AR)

I went to help my daughter get a apartment, while I was there I was informed by management that I could not get her a apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX {$4600.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXXXXXX {$0.00}
Consumer complaint received 2020-04-02
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (DE)

I had a Auto Loan account with GM Financial. My vehicle was repossessed and sold in 2016. I never received a letter giving me the breakdown on what the vehicle was sold for and the balance. The vehicle was sold for more than what was owed. The balance showing on my credit report is incorrect and needs to be updated and/or removed. I have contacted GM Financial and they has refused to send me the letter showing the total breakdown of the vehicle cost and sold price.
Consumer complaint received 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Continental Finance Company, LLC (PA)

was denied an extension of credit by continental financial XXXX. I applied for a credit card with Continental financial NO! NO! NO!!!

As you may be aware, it is against federal law in accordance with the Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant to 15 U.S Code 1691 ( C ) you assume civil liability pursuant to 15 U.S Code 1691 ( K ).

Continental financial has violated my federally protected consumer rights.

15 U.S Code 1642 15 U.S Code 1681 M 12 CFR 1002 Since the letter that was sent to me dated XXXX XXXX is both proof and evidence that I have been discriminated against, you are also criminally liable. Continental Financial should resort to reasonable procedures to rectify this affair and compensate me for this use of my Securities otherwise dis would be securities fraud since I have no BENEFIT.
Consumer complaint received 2020-03-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

1. I have been going back and forth with my mortgage company ( PHH Mortgage ) regarding a loan modification. 
2. PHH have said I did not pay XX/XX/2019 and XX/XX/2019 mortgage payments. 
3. They did not listen to the phone recorded conversation with XXXX XXXX XXXX about being able to send in the loan payment if I received the approved loan form after the due date. 

4. PHH claimed they made a phone call to me on XX/XX/2019 regarding the loan modification and they did NOT! 

5. Currently, due to the coronavirus, I was told today that I may be  laid off of work until things pick back up. 

I faxed them a copy of my bank statements on XX/XX/2019 showing proof of payment along with the loan modification application, income documents and debts. 

Due to months of going back and forth, so much time has passed that PHH is not considering me for a loan modification.

If PHH would have reviewed the loan modification documents I sent in they would have seen those payments they claimed were missed were paid. 

If they would listen to the recorded phone conversation between XXXX and myself they would heard that I asked if I would be able to submit the payment after the due date since the form was sent to me late. 

Payments from XXXX until present were not made due to PHH was not accepting payments from me for the loan modificatio. This is no fault of mine for PHH mortgage not to accept my payments that has now caused me to be at a negative NPV for all the months that has passed. PHH is the caused of me being at a negative NPV for not accepting my payments towards the loan modification that I was approved for.
Consumer complaint received 2019-12-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I sent a letter to Equifax in XXXX 2019 asking for evidence of how accounts were being verified on my account. I never received this information only the echoed words of the creditors. I understand that the accurate reporting of accounts on my credit report is not only the responsibility of the creditors but it is also the responsibility of the consumer reporting agencies. I also have a recorded phone call of an Equifax representative openly admitting that the verification process is simply a digital yes or no response from the creditors. There are no additional steps taken to ensure the creditors are providing accurate information to the consumer reporting agencies. The FCRA states:(b) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report itshall follow reasonable procedures to assure maximum possible accuracy of theinformation concerning the individual about whom the report relates.Equifax has not provided resonable procedures to assure maximum possible accuracy of the information concerning my report as they are only requiring creditors to relay their own responses without the requirement of evidence to support their responses.
Consumer complaint received 2022-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2020-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica (CA)

Problems started XX/XX/2020 when I noticed I did not have a pending direct deposit that was supposed to go to my bank Direct Express I called them on XX/XX/2020 and I was informed that the deposit was made but no funds were available in my account and I did not have any holds or suspensions on my account. I was told the funds would be available 2 -3 days after received at their bank, I disputed the statement because normally after funds are released to bank, they are immediately made available. I was informed by Supervisor XX/XX/2020 that the problem was with the Dept of VA  who is paying agency. Spoke with VA and they explained in, full detail the direct deposit process ... .funds were released from Dept of Treasury on XX/XX/2020, approximately 4-5 days after the funds will then be released to your bank granted that you don't have any holds or suspensions, which in my case I did not have, bottom line is this bank has a 1 rating with XXXX  and has generated close to 1000 complaints regarding same issue I am having and the government and FDIC are doing nothing to protect and guarantee we will retrieve our funds
Consumer complaint received 2020-03-23
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)

I applied for a personal loan today XX/XX/2020 and I was not approved due to having over 15 accounts in negative standing appearing on my credit report. I was shocked when I found out about these accounts because none of them are mine. I did not open any of those accounts and I have never allowed anyone else to open all of those accounts on my behalf. I do not have any contract or agreement with any of those companies and I have never allowed them to access my credit. I did not benefit anything from these accounts such as money, goods, services or any other benefit ; If anything, these accounts are only bringing stress and problems. I did not make any payments towards any of these accounts. I filed a police report and a complaint with the CFPB regarding all of these unauthorized accounts on my credit report.
Consumer complaint received 2020-03-23
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Neighborhood Assistance Corporation of America ("NACA") (PA)

ON XXXX OF 2018, I WENT TO AN ORIENTATION CLASS FROM NACA AFTER THAT I TRIED TO SPEAK TO XXXX XXXX THE DIRECTOR SHE WAS THE ONE THAT GAVE THE ORIENTATION, I TRIED TO EXPLAIN TO HER TO GIVE ME AN APPOINTMENT QUICKLY BECAUSE I WAS ON AN ABUSIVE RELATIONSHIP AND I NEEDED TO MOVE VERY QUICKLY? SHE THEN PROCEED TO GIVING ME HER CARD, TOLD ME TO CALL HER ON MONDAY I SAW HER ON A SATURDAY. WHEN I CALLED MONDAY THEY HAD ME BACK AND FORTH WITH MRS XXXX IS NOT HERE TODAY? I KEPT CALLING FOR A WHOLE WEEK, MANAGE TO SPEAK TO HER AND EXPLAINED TO HER MY SITUATION. SHE GAVE ME THE APPOINTMENT FOR XX/XX/2018. I WENT TO HER FOR THE FIRST VISIT THEY ASKED ME FOR BANK STATEMENTS ALL OF MY CREDIT CARDS STATEMENTS MIND YOU I HAVE 12 CREDIT CARDS, MY BILLS AND RENT VERIFICATION FROM MY LANDLORD, SECTION 8 VERIFICATION TOOK MY SECTION 8 VOUCHER. MY DIRECTOR FROM  SECTION 8 SPOKE TO THEM BECAUSE I HAD COMPLAINT TO THEM HOW THEY KEEP CHARGING ME A FEE TO BECOME A MEMBER I PAID THEM XXXX. WITH CHANGE FOR MY CREDIT REPORT AND THEIR FEE I DON'T QUITE REMENBER HOW MUCH BUT THEY CALL IT YEARLY WHEN I AM BEING CHARGED EVERY 6 MONTHS CAUSE I RECALL PAYING THEM LIKE 5 TIMES ALREADY. AFTER MEETING MY HUSBAND SHE AUTOMATICALLY SHOVED MY PAPERWORK TO A MR. XXXX XXXX. THAT'S THE PERSON THAT'S MESSING UP EVERYTHING FOR US.
Consumer complaint received 2020-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (TX)

I received balance transfer checks on my United card - the notice told me that I could get cash. No where did it put limits that disclosure. 
I wasn't allowed to send it to anyone for them to get cash and when I went to just get cash to me - it could only deposit it to another account with a 7 day hold and not get cash. Maybe I'm odd but cash is where I can go to a branch and just " cash the check and received dollar bills ''. My original recipient couldn't cash the check drawn on my chase account and when I just tried to cash the check and give the recipient cash - neither could I get cash - i.e. dollar bills etc. 

Fix your disclosure - if you can't get cash then don't state that in the letter.
Consumer complaint received 2020-03-23
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'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed some items that are not mine on my credit report. These items need to be deleted from my credit report XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, University of XXXX, US Dept Vets. There were inquries as well that are not mine XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX   XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I have contacted the FTc and my local police, Im also doing this on my own behalf.
Consumer complaint received 2020-04-02
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. (MA)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

BANKRUPTCY XXXX {$0.00} COLLECTION XXXX {$510.00} XXXX   XXXX {$600.00} XXXX   XXXX {$590.00} XXXX  XXXX   XXXX {$330.00} XXXX   XXXX {$9200.00} XXXX XXXX {$4000.00} XXXX   XXXX {$6000.00}
Consumer complaint received 2024-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-12-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (NJ)

I have been receiving repetitive calls from THE DELEGATES GROUP to collect dept that has been already paid. They have called my family and my empllyer to obtain information. They are rude and very pushy on the phone not even introducing themselves professionally. When I asked for a debt collection request through mail they refused to provided it. On multiple occassions they said they have Comenity bank on the other line but never connected me with them. They ask personal questions that a debt collector should not be asking. When I asked that they do not bother me while I am at work they were rude and refused to call after XXXX.
Consumer complaint received 2020-03-23
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. (FL)

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed some items that are not mine on my credit report. These items need to be deleted from my credit report XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, University of XXXX, US Dept Vets. There were inquries as well that are not mine XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX   XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted the FTc and my local police, Im also doing this on my own behalf.
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

Credit went from. Good to poor, due to identity theft, in last 8 months. All federal XXXX XXXX, loan, and ssdi 'missing ', and it seems like XXXX XXXX  would prefer I XXXX  rather than help me- just judging from their continual XXXX of my supposed character.
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

" XXXX AND EXPERIAN '' CONTINUE TO REFRESH OUTDATED ACCOUNT OVER 5YRS OLD, NOT MY ACCOUNT AND VIOLATES " FCRA/ FDCPA AND FCBA '', BOTH " CRA '' VILATES SECTION 604,607, 611 AND 623 ( a ) ... ACCOUNT # XXXX
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I recently disputed with EXPERIAN INFORMATION SOLUTIONS regarding inaccurate accounts being reported in my consumer disclosure reports. No action was taken until I filed a complaint with CFPB recently. I am filing another complaint with the CFPB because the accounts in question came out of the reinvestigation as " updated ''. I reviewed the accounts that came out of dispute " updated '' but the same inaccurate account information still persist on my consumer report with EXPERIAN. 15 USC 1681a ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Congress has made it clear per the FCRA 15 USC 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The accounts in question are still being inaccurately to no avail. The accounts remain incomplete and the late payments and payments regarding these accounts remain uncorrected and unverified.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2020-03-23
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. (AR)

I went to help my daughter get a apartment, while I was there I was informed by management that I could not get her a apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX {$4600.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : 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 However , they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2022-12-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NC)

I have spoke with wellsfargo about overdraft protection, the stated that I had overdraft protection on my account, they are allowing money to come from my account when there is nothing there, but I have been hit XXXX times in XXXX day with overdraft fees. The most recent date has been XXXXXXXX XXXX