davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-24
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. (MD)

We are requesting under the Fair Credit Reporting Act ( FCRA ) to have errors and imcompletions corrected in our credit reporting. These same errors were previously disputed, but were never corrected. In the case the original disputes did not have the correct evidence, we have attached copies from the providers documents that support the corrections. Please correct according to the providers documents, and if no correction, provide to us copies from the original loan documents that supports otherwise. 
From the CFPB : " Both the credit bureau and the business that supplied the information to a credit bureau have to correct information that's wrong or incomplete in your report '' XXXX, Please remove the {$1900.00} deferred payment from all recording. It was paid during the sale of the loan in XXXX of XXXX ( see attached XXXX ) and note sale and balance ( attached XXXX ). 
XXXX, Remove or provide signed document that has both my wife and my name that supports the XXXX  month term ( attached XXXX ). 
XXXX, Correct reported payment history that includes payments that were made to XXXX XXXX XXXX on these dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( attached XXXX ). 
XXXX, Correct entire payment history reporting. Please report according to the consecutive payments that were made. Payment history reporting should follow as recored in thier provided " XXXX XXXX XXXX '' ( attached XXXX ). Please remove all doubled and XXXX entries from XX/XX/XXXX to XX/XX/XXXX and have the reporting showing our XXXX consecutive and on time payment history. 
XXXX, Correct the reported balance amount of the loan ( XXXX ) and have it showing the balance according to the XXXX Transaction History ( XXXX ) according to the XXXX Transaction History. There is an {$3700.00} difference according to the XXXX Transaction History. This {$3700.00} difference is why our credit scores are sub prime ( Around XXXX - XXXX ) ( attached XXXX ). 
We also ask to have the loan Serviced according to the Note or XXXX loan XXXX, which are the only Active Loan Documents for our loan. 
The requested changes are supported by actual loan documents and any reason to not make the corrections should be supported by actual loan documents or ammendments that has our signatures.
Consumer complaint received 2023-06-21
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. (MS)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting XXXX percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting XXXX percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this 1 of 2 account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting XXXX percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting XXXX percent accurate which is a violation the account should be deleted iimmediately
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXX  Balance : {$0.00}
Consumer complaint received 2020-03-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (GA)

On XX/XX/2020 I sent {$250.00} to XXXX XXXX via Western Union for products that were being advertise via XXXX. After 30 days of communication with the suppose company I never receive the items. Contacted Western Union to find out to get refunded back my money since there service was being use in a crime. Making them an accessory to wired fraud. This is another example of how scammers are still using Western Union to scam people thus making Western Union gulity of aiding and abetting wire fraud.
Consumer complaint received 2020-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WV)

My information isnt right and I have accounts, loans and more on my reports that arent mine. My name is misspelled and my social doesnt match I have contacted all three Credit bureaus and all three have been unhelpful. When I try to apply for anything that checks my credit it claims that I have no credit in the United States or I have wrong information and it cant be pulled up.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

We are requesting under the Fair Credit Reporting Act ( FCRA ) to have errors and imcompletions corrected in our credit reporting. These same errors were previously disputed, but were never corrected. In the case the original disputes did not have the correct evidence, we have attached copies from the providers documents that support the corrections. Please correct according to the providers documents, and if no correction, provide to us copies from the original loan documents that supports otherwise. 
From the CFPB : " Both the credit bureau and the business that supplied the information to a credit bureau have to correct information that's wrong or incomplete in your report '' XXXX, Please remove the {$1900.00} deferred payment from all recording. It was paid during the sale of the loan in XXXX of XXXX ( see attached XXXX ) and note sale and balance ( attached XXXX ). 
XXXX, Remove or provide signed document that has both my wife and my name that supports the XXXX  month term ( attached XXXX ). 
XXXX, Correct reported payment history that includes payments that were made to XXXX XXXX XXXX on these dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( attached XXXX ). 
XXXX, Correct entire payment history reporting. Please report according to the consecutive payments that were made. Payment history reporting should follow as recored in thier provided " XXXX XXXX XXXX '' ( attached XXXX ). Please remove all doubled and XXXX entries from XX/XX/XXXX to XX/XX/XXXX and have the reporting showing our XXXX consecutive and on time payment history. 
XXXX, Correct the reported balance amount of the loan ( XXXX ) and have it showing the balance according to the XXXX XXXX XXXX ( XXXX ) according to the XXXX XXXX XXXX. There is an {$3700.00} difference according to the XXXX XXXX XXXX. This {$3700.00} difference is why our credit scores are sub prime ( Around XXXX - XXXX ) ( attached XXXX ). 
We also ask to have the loan Serviced according to the Note or XXXX loan XXXX, which are the only Active Loan Documents for our loan. 
The requested changes are supported by actual loan documents and any reason to not make the corrections should be supported by actual loan documents or ammendments that has our signatures.
Consumer complaint received 2021-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (MA)

I received dental treatment and was promoted XXXX XXXX credit card at the dentist. So I signed up for the card at the dentist. Later, I learned that CFBP ordered in 2013 that for any transactions over {$1000.00} they can not sign up unless I call, but that wasn't the case. I put the payments in my bank 's autopay to have a peace of mind, and neither received my statements via email nor any physical mail. 

I recently wanted to look to see if it was fully paid off, and realized I was charged over {$2200.00} of interest by them. I contacted about the reason, and wasn't helped. I consider this as a scam, and I will seek legal counseling to sue if I can not resolve via this channel. They breached 2013 CFBP rule as well as never sent me my statements.
Consumer complaint received 2023-05-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

Our XXXX  XXXX XXXX XXXX XXXX ( VIN : XXXX ) got totaled due to a crash on XXXX. Our insurance company, XXXX XXXX made numerous requests to Toyota Financial Services to obtain the payoff with no results. We had to be involved too, to send letters and emails to Toyota Financial Services requesting the pay off. Due to unreasonable and deliberate delay by Toyota Financial Services, we had to make our monthly payment in amount of {$730.00}, as the due date of each monthly payment was by the second of each month. Finally, Toyota Financial Services decided to provide the LOG/ pay off on XXXX providing incorrect amount claiming that they have to charge the amount since the date of the accident, although confirmed that they have already received the payment from us on XXXX. Our current unpaid balance at this time is {$33000.00}. Their letter of guarantee states {$33000.00}. My balance right after the crash was {$33000.00}. Up to date they are unable to explain where this {$630.00} discrepancy comes from, as this is not even my monthly payment. We already informed Toyota Financial Services via facsimile and email and phone that they are in violation of California Code, Civil Code - XXXX XXXX. Claim number with Toyota Financial is XXXX. We hereby ask that you conduct an investigation against Toyota Financial Services for inappropriate and fraudulent conduct.
Consumer complaint received 2023-02-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation (CA)

I got a loan on one main financial they sold me unemployment insurance with XXXX XXXX XXXX When one main financial sellsthis product I ask them what document the insurer asks for if i were unemployed and one main financial employee told me that only the insurer would ask me for proof that I apply For unemployed insurance State of california EDD which was not true, the insurer asks me for documents such as payroll payments from XXXX years ago which is very bad for me that they ask for those documents when I apply for the loan they did not ask me for that and I am still without a job what can I do there
Consumer complaint received 2020-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

My information isnt right and I have accounts, loans and more on my reports that arent mine. My name is misspelled and my social doesnt match I have contacted all three Credit bureaus and all three have been unhelpful. When I try to apply for anything that checks my credit it claims that I have no credit in the United States or I have wrong information and it cant be pulled up.
Consumer complaint received 2023-01-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated (FL)

I recieved a notification from XXXX from a company called Consumer Adjustment Company stating that I owe them XXXX dollars for debt from a Company called XXXX XXXX which dropped my credit score. I have no knowledge of this debt and never recieved anything from XXXX  XXXX in any attempts to collect money from me. This collection company never sent me a letter or anything stating that I have debt with this company which by law they are required to do in order to collect from me. I have researched this colletion compant and this is a common practice that they do to people by putting collection on their credit report and never sending them anything to shows that owe this debt. I am a vitcim of fraud and last year I had the same thing happen to me. This is not my debt and this is not legal to put something on someones credit without prrof of debt and no attempt to reach them to allow them to dispute the matter or even see if its legit which it is not. I dont know how they got my information but I want this removed from my credit report. I will be disputing this with the credit braeu as well.
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

SINCE XX/XX/2020 I REQUESTED A DEFERRMENT FOR MY XXXXXXXX XXXX PERSONAL AND BUSINESS CREDIT CARD, THEY GAVE ME THE DEFERRMENTS THRU THE COVID 19 CARES ACT DUE TO COVID 19. THEY PUT A 30 DAYS LATE ON MY PERSONAL CREDIT REPORT. I ASK THEM WHY DID THEY PUT A LATE PAYMENT ON MY REPORT, THE LADY YOU SUPPOSE TO GET LATE PAYMENTS WHEN YOU DEFERRED THRU THE CARES ACT. I TOLD HER THAT THE CARES ACT PROTECT YOU FROM EVEN GETTING A LATE PAYMENT THATS WHY ITS CALLED A DEFERRMENT AND IT IS ALSO THE LAW THRU THE CARES ACT THAT IF YOU REQUEST FOR THE DEFERRMENTS AND THEY WERE GRANTED THEN NO LATE PAYMENTS WILL OCCURR ON YOUR CREDIT REPORT WHILE YOU ARE IN DEFERRMENT. THE LADY SAID I DONT KNOW WHAT YOU TALKING ABOUT AND THATS NOT TRUE AND THATS NOT THE LAW AND IS THERE ANYTHING ELSE SHE CAN HELP ME WITH. IM NOT EVEN SURE IF THEY PUT LATE PAYMENTS ON MY BUSINESS CREDIT CARD THRU EXPERIAN XXXX AND XXXX XXXXXXXX AND XXXX, XXXX AND XXXX DOES NOT REPORT.
Consumer complaint received 2023-05-17
Product: Mortgage — FHA mortgage
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: Mr. Cooper Group Inc. (AZ)

I have never been past due or late making a payment on this account. This company is reporting false information and we have been in contact with them for several months now trying to get them to correct these discrepancies. Im currently deployed on military orders and my wife has been calling constantly trying to get these issues resolved. The person or persons we have talked to have all agreed that our payments were not late or past due and they do not understand why their company is reporting things differently. This needs to be fixed.
Consumer complaint received 2023-01-24
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. (NV)

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2023-06-22
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX XXXX Balance XXXX {$320.00} XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX Balance : - XXXX XXXX Balance : - XXXX XXXX Balance : - XXXX  XXXX Balance : - XXXX XXXXXXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXXXXXX Balance XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX  XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$2300.00} Bankruptcy XXXX XXXX XXXX on XX/XX/XXXX Reference number : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2021-01-15
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. (TX)

SINCE XX/XX/2020 I REQUESTED A DEFERRMENT FOR MY XXXX XXXX PERSONAL AND BUSINESS CREDIT CARD, THEY GAVE ME THE DEFERRMENTS THRU THE COVID 19 CARES ACT DUE TO COVID 19. THEY PUT A 30 DAYS LATE ON MY PERSONAL CREDIT REPORT. I ASK THEM WHY DID THEY PUT A LATE PAYMENT ON MY REPORT, THE LADY YOU SUPPOSE TO GET LATE PAYMENTS WHEN YOU DEFERRED THRU THE CARES ACT. I TOLD HER THAT THE CARES ACT PROTECT YOU FROM EVEN GETTING A LATE PAYMENT THATS WHY ITS CALLED A DEFERRMENT AND IT IS ALSO THE LAW THRU THE CARES ACT THAT IF YOU REQUEST FOR THE DEFERRMENTS AND THEY WERE GRANTED THEN NO LATE PAYMENTS WILL OCCURR ON YOUR CREDIT REPORT WHILE YOU ARE IN DEFERRMENT. THE LADY SAID I DONT KNOW WHAT YOU TALKING ABOUT AND THATS NOT TRUE AND THATS NOT THE LAW AND IS THERE ANYTHING ELSE SHE CAN HELP ME WITH. IM NOT EVEN SURE IF THEY PUT LATE PAYMENTS ON MY BUSINESS CREDIT CARD THRU XXXX XXXX AND EQUIFAX XXXX AND XXXX, XXXX AND XXXX DOES NOT REPORT.
Consumer complaint received 2023-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

On XXXX we ordered cbd dummies for {$49.00}. They sent us four bottles for {$110.00}. We returned all bottles unopened within 30 day allotment time. We filed complaint with Capital one they removed charges. We sent them proof of return to their link. Then they re-charged us saying we had exceeded 60 day reply. the items were returned on. the XXXX of XXXX We want the charges removed from our account. WE also talked to the vendor and they told us once there was a dispute they closed our account
Consumer complaint received 2021-01-15
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: EOS Holdings, Inc. (VA)

Dispute was filed with XXXX and XXXX online XX/XX/2020 for accounts that DO NOT BELONG to me on my credit reports. I have also sent information to prove who I am by mail to XXXX, XXXX and XXXX and dispute these accounts. I have contacted the lenders of origin and collection companies in attempt to have erroneous accounts removed from my credit report. XXXX Customer Service Executive from NY has submitted paperwork for two accounts to be removed from credit reports for total of approximately {$1000.00}. Yesterday received letters from EOS CCA stating that these accounts were verified in dispute and belong to me. I called them and my social security number does not match the one on the accounts. I am not even a XXXX consumer. They were unable to resolve. Call to and certified letter sent to XXXX XXXX and they have yet to respond to dispute of approximately {$17000.00} written off and collection of approximately XXXX XXXX.Association of XXXX in collection by XXXX {$100.00} has not responded. XXXX XXXX collections {$1000.00} continues to show on reporting. I am attempting to have a VA Mortgage loan processed and these accounts are causing me financial damage and the VA is unable to complete the loan until the items in dispute are removed. I have all documents to prove who I am, where I have lived for the past 36 years, my social security number, etc. The remainder of my report shows excellent credit with an exceptional payment history on MY accounts. These credit bureaus have about 20 addresses listed- two of which are accurate and 14 phone numbers-two accurate. How quickly these credit bureaus and credit reporters can enter wrongful information and slowly do they work to clean up their mess. It is a vicious undertaking to personally attempt to correct the errors of, collection agencies and credit reporting. There should be a dual entry of information into these systems. One person enter and another have to enter to make sure that all information matches.