davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-11
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: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As expected, CFPB and EXPERIAN have disregarded my request AGAIN for the DELETION of the accounts below which are not mine. I am so baffled by this situation! You guys seem like a lot of passing the blame or no accountability. Well, whatever the reason, I'm beyond bothered. I have provided everything you need from my personal information to my FTC which I have filed, but nothing has changed. Now tell me, are you playing around?! Coz let me inform you that you are NOT COMPLYING with the law. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. And where are those proofs? NONE! You have provided ZERO VERIFIABLE PROOF! I dont want to be so nasty, but please FOLLOW THE LAW! COMLY WITH IT AND DELETE THESE ACCOUNTS INSTANTLY! 

XXXX XXXX, XXXX XXXX
Consumer complaint received 2021-10-10
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: TRANSWORLD SYSTEMS INC (CA)

I PREVIOUSLY CONTACTED THE COMPANIES AND LISTED SUPPORTING DOCUMENTS BELOW TO HAVE THESE FRAUDULENT ACCOUNTS. I HAVE CONTACTED THE DATA FURNISHER AND ASKED THEM TO REMOVE THE FRAUDULENT ACCOUNTS. 

ACCOUNTS : 1.XXXX XXXX XXXX UNAUTHORIZED ACCOUNT 2.TRANSWORLD SYS INC/XXXX XXXX UNAUTHORIZED ACCOUNT
Consumer complaint received 2024-02-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY (GA)

I was forced to include my house in XXXX  XXXX bankruptcy in XXXX because I had applied for a modification through Wells Fargo. Wells Fargo did not complete the modification in the time limit of 90 days despite having all of the necessary paperwork and documents. I feel that I am entitled to receive some compensation from Wells Fargo for not abiding by the time line and limits as set forth by the government for them to have made a timely decision on the loan modification. It was clear I met criteria and was eligible. Wells Fargo has never been able to prove or show they due process lacked documentation or input from me. They simply discriminated against me and denied me the relief I needed and was eligible for. My home was purchased XXXX I applied for Modification XX/XX/XXXX. I filed for XXXX  XXXX bankruptcy XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2023-02-10
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. (GA)

I received an emailed about my information being in the XXXX data breach so I pulled my credit reports including Experian along with XXXX and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : 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. 

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also noticed there is a payment indicator history that conflicts with the payment status of the referenced account. 

I have attached a copy of my Drivers License and Billing Statement for identity verification and a bill for address verification.
Consumer complaint received 2023-05-20
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: U.S. BANCORP (FL)

YOU CLOSED MY PREVIOUS COMPLIANT THINKING IT WAS A COMPLAINT FROM XXXX THIS IS A NEW COMPLIANT! 

I sent a Cashier 's check with all appropriate paperwork on XX/XX/2023. I was very careful to send the payoff to the overnight lease address on the payoff paperwork. I have called US Bank 4 times to get an update as to why the account has not been paid in full and Title sent out. I have given them the person 's name and tracking number that signed for my overnight package. US bank won't confirm that person works there and doesn't know where the check is, all the while the account hasn't been paid off. I have asked for managers and have gotten nowhere. The indifference and gross negligence is why I am filing this compliant. I have a buyer for my vehicle who is now backing out because I can't get Title for a vehicle that I sent a payoff for almost 2 weeks ago.
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I sent the credit Bureaus letter asking them to verify the debt on my report. They have sent back stating that everything is verified correctly. My credit report are still showing inaccuracies. 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 2022-03-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (CA)

I am very concern why Navy Federal Business Department closed my account and Credit card but, leave an open saving account thats still active as of to day. I have been a loyal and a great customer with navy federal since XX/XX/XXXX. On XX/XX/XXXX I had randomly received a message through navy federal portal that my account will be closed within XXXX days due to high risk XXXX. No warning letters or letters mailed letters to my address regarding my account closing. However, I had been with this bank since XXXX with know complaints. Since my account been closed within a short notice. I was told by the representative my credit card will be closed as well. For-some reason within that week that the credit supposed to be closed down. Someone used the card and made purchases on the credit card without my consent. I am very wary about navy federal system. I believe my account has been target as fraudulent and tampered with. I had ask many questions regarding my business account and why its closing. and couldn't get a fair answer any proof on why my account is closing. And I feel its not fair to me as a loyal customer my account is closed due to not enough information to tell the customer on why.
Consumer complaint received 2019-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credence Resource Management, LLC (OK)

XXXX XXXX sold an alleged debt not owed by person shown 'responsible for debt ' of {$440.00} generated in XX/XX/XXXX to a company called XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX. The alleged debt was posted to the account with a falsified date of XX/XX/XXXX. 

The debt was disputed and shown to be in error and reported to the FTC. XXXX and XXXX were contacted with cease and desist letters notifying them of Fair Credit Reporting Act, 15 U.S. Code 1681c, and the Oklahoma statute of limitations for debt collection which has shown the alleged owed debt is time barred ( 1295 ( 1 ), and can not legally be posted to the referenced credit report. The falsified debt was removed from account, and XXXX and XXXX stopped contacting for payment. 

XXXX and XXXX then sold the false debt to another company, Credence Resource Manage, XXXX XXXX XXXX, XXXX, MI XXXX, which posted a false date of XX/XX/XXXX of account debt opened. They have attempted collection of a debt which is over 8 years and three months old, and posted an incorrect and falsified date to a credit report, which is a direct violation of federal and state laws. 

This is the second time dealing with this issue, and it continues to be a problem with multiple companies selling off a debt not owed and ruining my credit history, showing me to have bad credit for a debt which isn't owed and doesn't even fall within the legal timeframe for debt collection Since this is the second complaint against XXXX for the same alleged debt, I'm considering suing.
Consumer complaint received 2024-02-05
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. (CA)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, XXXX and Equifax a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.
Consumer complaint received 2019-03-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Movement Mortgage LLC (MI)

I am currently in a chapter XXXX bankruptcy, and have decided to sell my home so I need my payoff amount to set the asking price. I called and was put into someone's voicemail on XX/XX/19. When I didn't get any call back I called again on XX/XX/XXXX and was told I didn't need to leave a message, I needed to fax a written request because they aren't allowed to tell me the amount over the phone. I sent that the same day, and didn't hear anything back. On XX/XX/XXXX I called asking the status and was put into a voicemail where I left a message. I called back again XX/XX/XXXX and asked to speak to someone, in person, and was told my paperwork was in " the specialists '' hand and would be faxed to me before the end of the day. Today I still have not received the paperwork, called and was put on hold for 24 minutes and then put into someone's voicemail. I called back and asked to speak to an actual person and was told that all the reps were busy, and put into yet another voicemail. In the last 2 weeks I have left 4 voicemails and sent the requested fax, and have not actually been contacted back by anyone from Movement Mortgage.
Consumer complaint received 2024-04-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FactorTrust, Inc. (MA)

To whom it may concern : I am using my rights as outlined by the Fair Credit Reporting Act ( FCRA ) to dispute any information on my credit report that I believe is inaccurate. The data included in my credit report must be documented and validated before it is included on my report. I can not recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements. You must report this with the greatest compliance and accuracy possible. You shouldnt report any claims that you know or should know are not in compliance with regulations or the law.If any of the allegations included on my credit report are not true, I request that they be immediately deleted. Please provide accurate and verified
Consumer complaint received 2021-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

i got letter From the Court that i am being sue by Capital One bank that i dont know authorized. Its on the letter just show the amount over {$10000.00}. I log in to capital one bank to see what a transaction for but my account was closed. how can i reponsIble to amount money i am not recognized that or i never authorized.
Consumer complaint received 2024-05-23
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. (VA)

Delete this account for Violation and inaccuracy because the last paid date for XX/XX/year> reported is incorrectly on XXXX, Equifax and XXXX. In addition, number of late payments and status of account on XXXX do NOT match with Equifax, and XXXX. Account of Late payments are incorrect, and Date reported are incorrect on XXXX, Equifax, XXXX Account name XXXX XXXX Account number XXXX
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

XXXXXXXX XXXX XXXX XXXX XXXX ) this is a credit card company that I never applied to and they explain to me they do not have an account showing in my name. 

XXXX XXXX XXXX XXXX XXXX this is a credit card that I do not have and I did not apply for this card and it is showing on my credit report also. 

XXXXXXXX XXXX XXXX  ) this is a credit card that I do not have and I did not apply for this card and it is showing on my credit report also. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) this is also showing on my credit report and I did not give this company permission to run a credit report on me of any kind and do not have an account with this company
Consumer complaint received 2024-01-31
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. (TX)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2021-10-05
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. (GA)

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I have also attached a copy of an Identity Theft report for XXXX XXXX XXXX  XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Consumer complaint received 2021-03-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MS)

I WAS GOING OVER MY CREDIT REPORT AND NOTICE THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS NOR SIGNED MY SIGNATURE FOR THEM. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS OR INTEREST WITH THESES COMPANIES. PLEASE REMOVE THEM AS SOON AS POSSIBLE.
Consumer complaint received 2024-04-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation (GA)

Bridgecrest violated consumer financial protection laws including engaging in unfair practices, deception, and abusive acts. Bridgecrest has violated federal regulations in relation to the aforementioned loan, which warrants the termination of our contract. Bridgecrest REQUIRED a down payment in order to extend credit which is illegal according to 15 USC 1662- illegally mixing credit and cash in a consumer credit transaction. Bridgecrest did not offer insurance and only required I provide insurance before the delivery of the vehicle that was purchase. Insurance is suppose to be included in the finance charge as the sum of all charges according to 15 USC 1605 Determination of Finance Charge. These violations not only constitute a breach of trust but also compromise the legality and ethical principles on which our agreement was predicated. Car loan labeled as a Retail installment contract and security agreement which is a credit application. Violations : 15 USC 1692e misleading representations. 15 USC 1692j - false & deceptive. 15 USC 45 - unfair Methods of competition. 15 USC 1602 - multiple violations. I have no obligation to a breach of contract due to The Truth and Lending Act. Bridgecrest willfully violated provisions of Truth and lending Act. Bridgecrest is responsible for civil liability, punitive damages, payments made up to date, return of down payment, the finance charge, and {$1000.00} for each violation.
Consumer complaint received 2023-07-15
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. (PA)

Accourding to the XXXX credit act my inquires over 2 years should have been removed. I reviewed my reports and noticed the following inquires over two years still remain on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

I requested a payoff quote on XX/XX/23. Mr. Cooper started sending advertisements regarding mortgage services and loans to my home address but not my payoff quote. I called on XX/XX/23 to inquire about my payoff quote and was told it was mailed to XXXX XXXX XXXX, XXXX, XXXX XXXX ( an old address not in use for over 8 years ). Mr. Cooper mails all of my mortgage statements to my home at XXXX XXXX XXXX XXXX, XXXX, IL XXXX, yet did not mail the payoff quote to my address. I was told it would be a charge for an email quote, but it would be waived, they still did not email the payoff quote. I called again this morning and was told it was mailed to Indiana and I would have to pay for it to be emailed, they then hung up the phone and refuse to give me a payoff quote. This is holding up the sale of my home.
Consumer complaint received 2024-01-31
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. (IL)

I've come across an issue in my consumer report regarding my credit account with XXXX XXXX XXXX XXXX ( Account XXXX : XXXX ). An unexpected 30-day late payment entry has surfaced, necessitating immediate attention.

I kindly ask for a thorough investigation into this matter, along with the provision of documented evidence, such as statements, validating the legitimacy of the reported 30-day late payment. I'm eager to understand the basis for this entry and trust your agency can provide clarification. 

If, upon investigation, the accuracy of the 30-day late payment entry can not be verified, I insist on a swift update of the record to accurately reflect the status as paid on time. My consistent payment history underscores my commitment to financial responsibility, making this sudden deviation perplexing. 

Your prompt attention and cooperation in efficiently resolving this matter are sincerely appreciated. The credibility of credit information depends on accurate reporting, and I am confident that your agency will address this with the necessary diligence.