davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-19
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

In accordance with the fair credit reporting act XXXX Account # XXXX, Has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666BB : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-03-09
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 checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( 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 correction 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-09
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-08-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (AZ)

I received a cashier check from my credit union yesterday, it was a check from selling my car to my daughter. I took the check to Well Fargo band near my house and I deposited it. It was showing a plus right next to the account, the amount was XXXX XXXX Next day, there was no proof of the deposit or any money from this check to indicate a deposit. I went to the bank an $ after XXXX hour, they found it an $ they told m3 there system is still trying to deposit the check and I need to keep checking my account, I bought a car 2 days ago an $ the dealer is expecting a {$15000.00} today. If not the loan is going to be full payment on this car for the amount of {$850.00} a month, an increase of {$300.00} a month because of the bank incompetent. 
Thank you
Consumer complaint received 2024-02-06
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: EQUIFAX, INC. (AR)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-01-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc (TX)

Affirm loan paid XXXX for an item I purchased, the item was returned. Affirm said they sent XXXX to Lobster sport. Lobster sports only received XXXX and returned the entire amount. XXXX was where ordered it, they did not receive the money. Affirm will not confirm the amount sent, I have confirmed that lobster only received XXXX and did not charge any other shipping or restocking fees. XXXX received XXXX. I am being charged XXXX for nothing, the interest charged is XXXX. Where did the remaining money go?
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Upstart Holdings, Inc. (FL)

UPSTART is sharing my nonpublic personal information with nonaffiliated third parties XXXX, XXXX, & XXXX. UPSTART does not have my consent to have and share my private personal information. The information that they are reporting is inaccurate and false. They are violating my right to privacy as a consumer, they withheld my rights to being able to opt out of sharing, they sharing private information to the consumer reporting agencies. They are in violation of multiple federal laws.
Consumer complaint received 2024-01-10
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (IN)

On XX/XX/XXXX, I called the collection agency : Credence Resource Management regarding a past due debt that was originally due to XXXX XXXX. I asked the representative to furnish the original date that this debt was sold, which they could not find or answer. I asked if a validation letter was sent to me and they could not verify ever sending one to me. They confirmed my correct address as well as correct phone number and email. The amount that is shown on my credit file did not match up with the amount the representative told me I owed. The amount became greater. I asked the reasoning behind this and they could not give me any information nor could find any increase from day the collection agency purchased the debt. The original amount shown on my credit report is {$59.00} and the quoted amount as of XX/XX/XXXX is $ XXXX.Throughout the whole phone conversation, the representative was only concerned about me paying them, having asked me five times throughout the call. He also quickly changed the subject when I asked for my validation letter, dates, and the incorrect amount to changing the subject to insisting a payment and the form of payment I want to use. I understand that this is a very small increase and I can pay the amount, however, the information I asked about the correct steps the agency was suppose to take were never taken, with no intent of researching the questions that I legally have the right to receive. This collection agencys practices are not conforming to the lawful steps that agencys need to take. 

The date that the agency obtained this debt was XX/XX/XXXX. 

I have not had XXXX XXXX in over 6 to 8 years.
Consumer complaint received 2023-03-09
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. (TX)

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. 
My name is XXXX XXXX my reporting number is -- XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX acct XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX
Consumer complaint received 2023-11-01
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. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 

4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 
6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : XXXX XXXX - XXXX
Consumer complaint received 2023-11-01
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

To whom it may concern : On Tuesday XXXX XXXX I received an alert from my credit monitoring service stating that I had a decease on my credit score. When I further investagaed the situation. I seen that I had an inquire from a company that I never heard of called CoreLogic " Credo ''. I researched the company and called the phone that was provided. I spoke to a representative, whom stated that they pull credit upon request from clients they service. She also stated that if I provided her with personal information. She can tell me which client that they had ho request to have my credit ran. Upon the rep checking she asked me do I know Penny Mac. I then in return let her know that penny Mac was my mortgage company, that I currently pay a monthly mortgage to. On XX/XX/2023 I also phone Penny Mac asking why did they pull my credit. I was then asked when was the last time I contacted Penny Mac. I stated that I had not contacted Penny Mac since XXXX of XX/XX/2023. I was told that transaction was done, but I had no knowledge nor did I give Penny Mac my consent. Penny MAC told that someone from their company would be investigate and I will email and follow up with a phone call. I didn't receive a call or either an email. I phoned them on Tuesday XX/XX/2023 and I was told that the investigation was open on XX/XX/XXXX and to give Penny Mac five business to complete the investigation. I was also assure that once the investigation completed that they would reach out to credit bureaus and XXXX on my behalf to correct this issue. Today is XX/XX/XXXX and I reached back out to Penny Mac. I was told that would have to investigate, which I told started on XX/XX/2023. I also requested to speak to a manager, which in return I was talked over, and giving information again about a ticket/ investagating will be done. At this point I have no where to turn and seeking help from you guys at CFPB. PLEASE HELP ME!!!!!!!!!!!!!
Consumer complaint received 2024-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC (MA)

Selene Finance has blocked our ( My wife XXXX and myself ) attempts to pay our mortgage, since early XXXX XXXX, 16 times. I have 40 screen shots with time and stamps to prove it. They have also blocked subsequent attempts for us to pay out mortgage 12 times via their telephone pay system. I have time and date stamped screenshot of the telephone calls. For which you can not reach a human. Only a computer which hangs up at the very completion of the payment, of the call when you request to confirmation of the telephone payment. I can provide this lengthy list of documented proof when requested. They have mis-applied our mortgage at least 16 times and I have screenshots with time and date stamp from their web page to prove this. Now they have reported us to the credit bureau of being three payments behind when in fact we are way ahead of the mortgage required payment dates. Selene Finance owe us tens of thousands of dollars in their mis-applied mortgage failures. I can prove all of this with deductions from our bank account and screen shots with date and. time stamps from their web page of OUR account. I will attach a few of the many screenshot we have as proof. I have them all available for review.
Consumer complaint received 2023-03-16
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. (LA)

In Accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with my written instructions.

15 U.S.C 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XXXX  I purchased a home and entered into a Bank of America Mortgage with my then husband for a 30 year fixed loan. We divorced in XXXX  and I quitclaim the property title over to my ex spouse in return for cash, however he never removed my name from loan. 

Bank of America and my ex-spouse modified the mortgage without my consent in XXXX, extending the term, changing the interest rate and payment which negatively impacted my credit score. This in turn increased my costs to borrow money and being denied credit. 

First, Bank of America has fraudulently kept my name on a modified mortgage document I never signed. Secondly, the original 30 year fixed mortgage term has reached its Maturity Date, ending any contractual agreement between myself and the bank. 

After numerous phone calls to Bank of America, they have provided no relief.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nv XXXX XX/XX/2024 To whom it may concern : I just got my credit report and some accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ).

You also violated 15 USC1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ) Any person who fails to comply and fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance. 

Accounts XXXX XXXX XXXX XXXXXXXX ) Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), And 15 USC 1681e ( b ) Once you have deleted my accounts from my credit report, Please send me a copy of my updated report. 

Thank you, XXXX XXXX
Consumer complaint received 2024-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (IN)

Does the customer wish to dispute the transactions ) Yes : the customer wishes to enter a dispute Name on Card/ Account XXXX XXXX XXXX Did the customer participate in the transaction? 
Yes, customer did participate Select reason for the Dispute Customer 's ATM Deposit did not post at all What was the amount of the deposit that should have posted to the customer 's account? 
{$500.00} What card number was used? 
XXXX Was the deposit made at a Huntington Bank ATM? 
Yes, deposit was made at a Huntington Bank ATM Does the customer have a receipt? 
No, customer does not have a receipt What date did the customer make the deposit? 
XX/XX/24 What time did the customer make the deposit XXXX Where is the ATM located XXXX XXXX XXXX XXXX XXXX Did the customer deposit cash, checks or both? 
Deposit was all Cash $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX
Consumer complaint received 2024-04-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

MY RESPONSE TO COMPANY RESPONSE my name is XXXX XXXX XXXX  false information on my credit report I noticed today XX/XX/XXXX IT IS NOW XX/XX/XXXX I ask please to DELETE and remove false items reporting on my credit. thank you Have a Good day ACCOUNT NAME : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Account number : XXXX Balance details 0 % paid off Balance {$660.00} Balance updated XX/XX/XXXX Original balance {$660.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$660.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Company Contact info Account Name : XXXX XXXX XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  15 USC 1681 I ( 7 ) - METHOD OF VERIFICATION IF YOU USE THE FIRST TWO LAWS AND YOUR DISPUTES COME BACK AS ACCURATE, YOU CAN USE THIS LAW TO DEMAND PROOF OF THE INVESTIGATION THAT TOOK PLACE TO VERIFY THE ITEMS IF THEY CREDIT REPORTING AGENCIES CAN NOT PROVIDE IT, THEY MUST DELETE THE ITEMS FROM YOUR REPORT
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (FL)

I made a payment on XX/XX/XXXX which is being reflected on my account but Nelnet wouldnt report the payment and the lower loan balance to the credit bureaus. I have disputed the details of my account and they still did not correct it.