davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Capital One did not provide me with adequate privacy disclosures required by law. Therefore, I rescind my consent that I knowingly or unknowingly provided to your company, its employees, affiliates, non-affiliates, assignees and any other entity, to share my nonpublic personal information. The term nonpublic personal information means personally identifiable financial information provided by a consumer to a financial institution resulting from any transaction with the consumer or any service performed for the consumer ; or otherwise obtained by the financial institution. I have a right to opt out of my information being shared and hereby do so. The Gramm-Leach-Bliley Act limits your ability to share my personal financial information with certain non-affiliates. I HAVE A RIGHT TO PRIVACY. There is no law that gives you the authority to share my nonpublic personal information with any consumer reporting agency. I demand that you delete your account from any consumer reporting agency that you have furnished with my information in regards to any extension of credit, contractual, and or transactional relationship that I may have had with your company. You have failed to clearly and conspicuously disclose to me that my financial information may be disclosed to a third party. I was not given the opportunity, before the time that my information was initially disclosed, to direct that such information not be disclosed to the consumer reporting agencies. Lastly, I was not given an explanation of how I could exercise the nondisclosure option. DELETE the tradeline that you are currently reporting to any consumer reporting agency. Failure to do so, once this notice is received, will be an infringement upon my right to privacy. It would be in the interest of both parties to resolve this matter so that legal action will not be necessary.
Consumer complaint received 2021-01-16
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. (FL)

In reference to this credit report number XXXX from Experian I try to get in contact with them to delete XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX on his way in XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I do not recognize these charges on it come from a person with a similar name as me but I have a police report and Im uploading and I would like all the sizes and all the incorrect name so my file delete it from XXXX XXXX XXXX and Experian
Consumer complaint received 2021-03-11
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. (TX)

I have disputed many inaccurate items on my TransUnion credit report. TransUnion did not respond in a timely manner so I sent them a letter indicating they had not complied within the required 30 days. A few days l received an 'updated ' TransUnion credit report in the mail with no changes. I sent TransUnion another letter requesting they describe the method of verification used to validate and verify the disputed items. In response to that letter, TransUnion sent me yet another letter telling me that I had already disputed the items and that they were refusing to take further action. TransUnion has never truly verified or validated these items on my credit report, they have only sent me generic, computer-generated, canned responses to my inquiries.
Consumer complaint received 2023-01-17
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)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've sent several disputes about these inquiries I never authorized. 
these inquiries are Fraudulent on my report. I'm a victim of their inquiries issues. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-03-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (NY)

My car was totaled in an accident in 2018. Santander was paid in full I went to purchase a new car and found out they were claiming I hadn't made a payment in months. I reached out and they claimed they were not paid off. I provided proof they were and they said that they weren't paid off through the " proper channels '' so I needed to pay them the remainder of the loan. Which I did not agree to and I disputed it with all three credit reporting companies. I was unsuccessful. After a year of fighting with them, I agreed to pay the remainder of the loan AGAIN just to have it removed they then said no. They stated that they would accept the money but not report it as paid off since it was not done in a timely manner. 
So here we are three years later, they are on my credit report as a charge off and a repossession, This is hindering my life and mental status.
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

The three major credit bureaus are reporting an erroneous late on my credit file and it must be removed immediately. I had submitted disputes for a late I had with XXXX XXXX for the month of XXXX that was an erroneous late on their part that needed to be removed. I had NEVER been late prior of after this, and like I mentioned they made an error. I had also submitted them a letter with XXXX XXXX XXXX XXXX stating they will be submitting a request to the bureaus to remove the late from my credit file. Well, I recently checked my credit and noticed that a late for XXXX is now reporting and it dropped my scores?! This is ridiculous I was never late!!! I showed them proof that I was never late, and they just went off and gave me a new late for a month that I had never been late!!! This is a serious violation and it must be fixed immediately.
Consumer complaint received 2021-03-11
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. (CA)

The three major credit bureaus are reporting an erroneous late on my credit file and it must be removed immediately. I had submitted disputes for a late I had with XXXX XXXX for the month of XXXX that was an erroneous late on their part that needed to be removed. I had NEVER been late prior of after this, and like I mentioned they made an error. I had also submitted them a letter with XXXX XXXX XXXX XXXX stating they will be submitting a request to the bureaus to remove the late from my credit file. Well, I recently checked my credit and noticed that a late for XXXX is now reporting and it dropped my scores?! This is ridiculous I was never late!!! I showed them proof that I was never late, and they just went off and gave me a new late for a month that I had never been late!!! This is a serious violation and it must be fixed immediately.
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: American Credit Acceptance, LLC (TN)

XXXX XXXX sold my loan to American Credit Acceptance in XX/XX/2020 without my knowledge. My credit score dropped 60 points because it looks like the loan closed. 
I started paying XXXX XXXX XXXX XXXX XXXX XXXX. 
I called XXXX XXXX in XXXX to ask why they were not reporting my on time payments. 
I was told many different things. 
1. They do not have to report 2. They are short staffed 3. They are putting it in manually and it takes time. 
4. They would start reporting the following month Needless to say they never reported my on time payments. I was told they would report if I was late on a payment. 
I have called every month for 7 months. I have been put on hold for 30 minutes sometimes, I have been hung up on, I have been told they need the name of my consumer advocate so when they called the staff would know who it was. ( this was so disrespectful ) All three bureaus told me their name is below XXXX XXXX on the credit reports and By Law they should have reported 30 days and continued to do so every thirty days. 
I also spoke with a consumer credit attorney who told me to call the Attorney General in Texas .He also said I have consumer rights, They told me to call consumer finance for the government there in Texas XXXX 
I have waited 7 months for this company to report my good credit to the bureau. My low credit score due to their negligence has kept me for getting preapproved for a home loan as of last XXXX. I will have to sign another lease by the end of XXXX if this is not repaired on my report. American Credit Acceptance sent me a copy of all my payments in good standing several months back, it is not up to date but shows my diligence to make my payments on time.
Consumer complaint received 2021-03-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I am currently applying for a mortgage with Bank of America. I have been working with a loan specialist for more than 6 weeks, since XX/XX/XXXX ( today is XX/XX/XXXX ), and have yet to receive any approval, approval with conditions, or denial. The bank is now also saying that my ratified purchase agreement is not sufficient. I have supplied documents many times, and documents supplied earlier in the process have had to be re-submitted several times due to the loan specialist not processing documentation. I have documentation of emails showing this pattern, as well as every piece of documentation I have submitted ( attached is one example ). I am about to lose the purchase contract on the house because the bank has taken so long to process the loan, and still can not give me a projected closing date or any other information regarding when this loan may be able to close. Should this loan not be completed by next week, I will no longer have an enforceable purchase contract ( too much time has elapsed ) and I will have to start over on a new mortgage and find a new house to buy before my lease is up. I have communicated with managers and higher-up personnel to try to resolve the issue, to no avail. Communication has been difficult with my loan specialist and I believe that my loan is not being taken seriously by the company and the people processing the loan due to my gender and the size of the loan. This has cost me money and massive amounts of my time, far beyond a normal mortgage process.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I recently checked my credit report an saw to two collection accounts on my report. I believe that I am a victim of identity thief. I have notified the creditors of this matter but i have not been able to resolve this matter. 

XXXX  XXXX  XXXX Original creditor : XXXX {$500.00} XXXX  XXXX XXXX Original creditor : XXXX XXXX  {$790.00}
Consumer complaint received 2020-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

Equifax has not properly investigated the public record items below. I am requesting they be removed from my report pending a thorough review. It was previously removed because it could not be verified per FCRA. It is now back in full violation of the FCRA ... 

PUBLIC FILINGS XXXX-XX/XX/16 BK IND. CH-XXXX DISCHG inaccurate
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-08
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. (NY)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
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. (CA)

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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-17
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. (KS)

I submitted this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance : {$29000.00} ; XXXX  XXXX Balance : {$15000.00} ; XXXX  XXXX Balance : {$2800.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$17000.00} ; XXXX XXXX Balance : {$17000.00} ; XXXX XXXX Balance : {$11000.00}.
Consumer complaint received 2021-03-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MD)

My XXXX XXXX  was the victim of a crime. He was contacted via XXXX. A stranger persuaded him to accept the images of 2 {$4000.00} checks, deposit them into his checking account and transfer some of the money back via Venmo. 
Check # 1, {$4000.00}, was deposited on XX/XX/2021 Check # 2, {$4000.00}, was deposited on XX/XX/2021 Venmo transfer # 1, {$3500.00} was on XX/XX/2021 Venmo transfer # 2, {$1000.00} was on XX/XX/2021 We've contacted Venmo to dispute the charges but they do not seem to be taking the matter seriously.
Consumer complaint received 2020-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

XXXX XXXX is reporting a debt on my credit file I do not owe. I didn't know about this debt until I checked my credit. I didn't receive any letters, calls, notifications about this debt, but as soon a I found out I paid the debt and I am requesting this debt to be removed off my credit file.
Consumer complaint received 2020-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (UT)

First Progress is reporting a debt on my credit file I do not owe. I didn't know about this debt until I checked my credit. I didn't receive any letters, calls, notifications about this debt, but as soon a I found out I paid the debt and I am requesting this debt to be removed off my credit file.
Consumer complaint received 2020-03-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Federal Adjustment Bureau, Inc. (FL)

They are attempting to collect on a debt that has been included in Chapter XXXX. They continue to report incorrectly on my XXXX  report. It's been verified via XXXX  twice and it's incorrect. They are in violation of the bankruptcy code and FCRA.
Consumer complaint received 2020-03-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (DC)

PHH Mortgage is charging a {$7300.00} inspection fee which never took place and there is no documentation of this fraudulent assessed expense. PHH Mortgage will not allow an accurate pay off quote and payment Information. When called, we are getting non compliance and payments are not being applied to this account. 
We suspect PHH is committing inappropriate activities which the company has been accused of in XXXX XXXX and recently settled a case in XX/XX/XXXX. 

1. Offered for settlement {$8600.00} Owed {$8600.00} 2. Principal {$570.00} 3. Interest {$100.00} 4. Total Payment {$680.00} What PHH Wants 1. Monthly Payment Of {$17000.00} 2. Fraudulent Inspection Fee Of {$7300.00} XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I called Transunion directly @ XXXX. The Agent on the phone was unable to help me after identifying myself. Then their supervisor came on the line and advised me to contact a third party XXXX XXXX  in order to obtain a copy of my Transunion Credit Report and Score. I insisted on reviewing my Transunion Account directly with Transunion not a third party. After providing them with all of the information they requested the Supervisor then had me log into a different site that brought me to their site. I followed the instructions and obtained a new account log in user name and password. Upon reviewing the information on the report it appeared to be incomplete and there was no credit score. The agent said that I had to pay Transunion in order to obtain my Transunion Credit Score. I want my score for free as is my legal right at this time and in the future when I log into my Transunion account just like I am able to with the two other Consumer Credit Reporting Agencies XXXX  and XXXX.
Consumer complaint received 2021-03-11
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Wilson, Riley & Associates (CA)

This company which i believe to be a total scam has called my place of employment multiple times. XXXX from wilson and associates says they will be serving me papers at work and hime address. they also tell me if i make arrangements they can call off the process. my employer has asked them not to call back but they keep calling. i cant find any info on this number or company. please help. thank you for your time
Consumer complaint received 2020-03-24
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. (TX)

All FTC violations XXXX violations attached attorney general violations on the credit report Diversified If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court.
Consumer complaint received 2020-03-24
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. (UT)

XXXX/XXXX XXXX is reporting a debt on my credit file I do not owe. This debt has been paid and it needs to be removed. I did not know if this debt until I checked my credit, and I immediately paid it. I did not receive my 30 day right to dispute.