davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-30
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)

I have a fraud alert on my account as a result of my personal information being compromise and a police report due to someone using my information to try to obtain credit cards..there are over XXXX hard inquiries on my report that I did not make..I am requesting that they are removed from my file as soon as possible..I am interested in buying a car and need all inquiries removed in order to do so.Thank you.
Consumer complaint received 2017-10-08
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. (NY)

I pulled my credit report recently to discover XXXX XXXX had reported to all 3 credit bureau 's my account was deregulatory and/or over 30 days late as of XXXX-17 my account has been in good standing & current with all payments.
I requested a written validation letter, never received it & I also spoke with customer service at XXXX XXXX they informed me all reporting to credit agencies would be changed and updated right away due to my account being in good staying and current to date.
I wrote to all 3 credit bureau 's requesting this corrected on my reports, the error was never verified or validated in written.
Consumer complaint received 2019-04-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have attached my original complaint dated XX/XX/2019 and on the same date I forwarded a copy to the NYS Department of Financial Services via online. NYS Department of Financial Services, Ms. XXXX advised me that their office forwarded a copy of the attached complaint to the institution. To this date I have not received any correspondence from the institution. My complaint stems from the following : 1. Additional Late Fee ( currently {$200.00} ) 2. Receiving the Escrow Notification Late 3. Tax Increase with no supporting doc.
Consumer complaint received 2022-12-18
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: Experian Information Solutions Inc. (PA)

CFPB complaint : XXXX filed XX/XX/2022 against Experian Credit Bureau is still not completed as of XX/XX/2022.
Consumer complaint received 2020-02-14
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. (WI)

Experian is reporting a two open fraudulent accounts XXXX XXXX XXXX, XX/XX/XXXX/XX/XX/XXXXas past due and XXXX XXXX XXXX collection account on my credit report. I disputed this fraudulent account XX/XX/XXXX and XX/XX/XXXX. At this time it was with a different collector called XXXX XXXX XX/XX/XXXX. After disputing this fraudulent account with the XXXX XXXX XX/XX/XXXX, and them conducting their investigation the result was a deletion of the fraudulent account from my credit report. It appears they have however sold this fraudulent account to XXXX XXXX XXXX a new collection agency. Even with a different account number it seems Experian and/or system should recognize that the account has the same account details ( date opened, balance, credit limit etc ) as the fraud account that was previously deleted/blocked and should be rejected for re-insertion. 

Lastly, there is a fraudulent XXXX XXXX XXXX and XX/XX/XXXX/XX/XX/XXXXcredit card that is also reporting on my credit report. These accounts is not mines as it was established as a result of identity theft.I disputed these fraudulent accounts and the XXXX XXXX XXXX and XX/XX/XXXX/XX/XX/XXXXcredit card remained on my report however the XX/XX/XXXX/XX/XX/XXXXinquiries disputed as fraud were removed. How can Experian agree that a Inquiry is fraud but the account it is associated with is not??? That makes absolutely no sense. This is another case of Experian being negligent and This is a blatant violation of my consumer rights pursuant to the FCRA section 623. Reporting this fraudulent account has dropped my credit score and has caused much undue emotional distress. If this fraudulent collection account is not removed promptly, I will be exercising my rights to file a civil lawsuit pursuant to the FCRA for willful noncompliance and negligence!
Consumer complaint received 2024-03-13
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. (FL)

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 XXXX # XXXX, XXXX & XXXX : # XXXX, XXXX  XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2023-10-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX Has violated my rights, 15 U.S.C. 1681 section 602 A. States I have the rights to privacy. 15U.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. 1666B : A creditor may not treat a payment on a credit Account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2022-01-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.M. Galicia, Inc. (AZ)

I sent out a letter on XXXX to all 3 credit bureaus a letter letting them know that I was unaware of there collections. it is affecting my credit and by law they have 30 dasy to look into this problem and give a response in which that I not received anything.
Consumer complaint received 2018-09-29
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America put fraud warning on me through early Warning Services. My bank account from a different was closed due to this. Its causing finical hardship. Ive tried to fix this with Bank of America it they refuse to do anything about it
Consumer complaint received 2018-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This account is not mines and I have submitted many disputes on this account. i will not pay it or work with creditor. 

COLLECTIONS XXXX XXXX XXXX Last reported : XX/XX/2018 {$4000.00}
Consumer complaint received 2024-05-10
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)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-05-31
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (LA)

RUSHMORE LOAN MANAGEMENT SERVICE " Notice to agent is notice to principal I XXXX XXXX XXXX, XXXX as a XXXX atual person I am writing to you under the Fair Debt Collections Practices Act ( FDCPA ) I am notifying RUSHMORE LOAN MANAGEMENT SERVICE of communicating with XXXX XXXX XXXX, XXXX as a DEBT COLLECTOR 1692 ( a ) ( 6 ).

I have been receiveing mortgage statements in violations of subsection 1692 ( b ) ( 5 ) ,1692 ( e ) ( 5 ) ,1692 ( j ) ( a ) ( b ) ,1692 ( c ) ( a ) ( 1 ) which has cause myself anxiety ( injured ). The debt collector require to ensure fair measures are taken for both consumer and collector by federal and states laws. Pursue to fedearl and state laws you have fail to take proper procedures by federal and state laws .You are civil liable to me for actual damage of {$83000.00} under the fdcpa 15 usc 1692 ( k ) this is my relief. Please be advised I will pursue both criminal and civil claims against you and your company for violation of the FDCPA.
Consumer complaint received 2020-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

After reviewing my most recent credit report. Trans Union, XXXX  and XXXX  currently reports multiple inaccuracies and unverifiable information onto my credit profile without permissible cause. 

The following inquiries are inaccurate and unverifiable : 1 ) XXXX XXXX- Date reported- XX/XX/2019 ; reporting without any permissible cause, no credit has been extended. Please remove this account at once 2 ) XXXX- date reported- XX/XX/2019 ; reporting without permissible cause, no credit has been extended. please remove account at once. 

3 ) XXXX XXXX XXXX- Date reported, XX/XX/2019 : reporting without permissible cause ; no credit or loan has been extended. Please remove this account. 

XXXX- date reported XX/XX/2019 ; reporting without permissible cause ; no credit line or loan has been extended. Please remove this account.
Consumer complaint received 2023-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

I had previously submitted a CFPB complaint to both XXXX XXXX and Experian because my loan # XXXX was not showing up on my Experian credit report like it should have been. In its response, Experian advised that they were not going to honor my request. XXXX specifically advised that this has been reported to Experian and they have even sent it to them again. I have attached the written response to my CFPB claim from XXXX XXXX. Before seeking monetary damages from Experian due to their failure to correctly report info on my credit, I want to give them one final chance to get this correct and report this account on my credit report as reqired by law.
Consumer complaint received 2019-10-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (FL)

I have asked a number of times for this item to be removed from my credit because it is over 7 years since my last payment and also they are showing my last payment was in XXXX but it really was in XX/XX/XXXX in XXXX this collection agency bought this debt so they have there records wrong i asked for it to be removed XXXX did this the other 2 still show it please XXXX & XXXX can you please remove this thank you
Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I filed a previous complaint against Equifax number XXXX regarding personal identification information on my consumer credit file. Equifax mailed me a letter as a stall tactic requesting proof of identity when I provided proof of identity with my previous complaint. I did NOT give Equifax my direct consent or written instruction to furnish or report personal identification information on my behalf. This is infringement upon my right to privacy and no consent is identity theft! Equifax remains in violation of my federally protected consumer rights.
Consumer complaint received 2016-04-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Residential Credit Solutions, Inc. (LA)

Residential Credit Solutions has reported to all credit bureaus that I was 180 days late on all payments from XXXX XXXX to XXXX XXXX. This account was protected under bankruptcy, and I was repaying as scheduled. The loan has since been paid completely off. RCS should be required to clear these late payment marks off my credit report to all credit bureaus.
Consumer complaint received 2019-10-18
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

This account is current but for XXXX and XXXX it shows I am late 30 days. Though XXXX  already resolved it because I was never late. Also the payment history shows that I paid on time and I really do.
Consumer complaint received 2017-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (MD)

Credit Bureau is reporting inaccurate information on credit report with Macy 's.
Account went from OK XXXX-XXXX, LATE XX/XX/XXXX, CHARGED OFF XX/XX/XXXX NO DATA XX/XX/XXXXXX/XX/XXXX, BACK TO CHARGE OFFXX/XX/XXXX, BACK TO NO DATA XXXX-XX/XX/XXXX, BACK TO CHARGE OFF XX/XX/XXXX-XX/XX/XXXX CHAGED OFF ON SEVERAL OCCASIONS
Consumer complaint received 2022-05-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CO)

A few months ago I received a letter stating that I would no longer be receiving statements by mail and that everything would need to be online. I called XXXX to ask why I got the letter and that I wanted to get my statement by mail and they told me that I would be charged an administrative fee. I asked that they send me that in a letter. I never got the letter, and when I got online to check my statement and called them again to see why I wouldn't be receiving my statement by mail, I was told again that it was a charge to get a paper statement. I can't find anything online, nor did I agree to this. Now I have received 2 payoff quotes within a months time and they are charging me {$60.00} for those. I never asked for a payoff quote, and have contacted them 3 times and every time I call them they either disconnect me, or I can not understand a word they are saying.
Consumer complaint received 2019-10-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A. (MA)

The reported collection account is incomplete. There are a lot of missing information to tie the account on me. Missing Monthly Payment, No. of Months or Terms, High Credit, Credit Limit, Past Due and date of last payment. The payment remarks are missing too.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.
Consumer complaint received 2022-05-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (TX)

I currently have a Mortgage with Truist Bank, formerly Sun Trust bank, towards which I have made extra Principal payments. The bank does not correctly apply my Principal payments but instead treats them a standard payment, dividing it between Principle, interest and escrow. When I have identified these problems they say the machine can't pickup that the payment form is marked as a Principal payment so it applies the payment as a normal monthly payment regardless of the amount. I've asked to them correct these errors multiple times and to send a listing of my payments so I can see if they applied the payments correctly. The information format they send is a garbled mess and has entries of certain amounts being swapped from they internal accounts supposedly to my account but not for the amounts I've paid. I've asked for a simpler format that shows each of my payments and how it was distributed, but they refuse to do so. 

I sent in a payment in XXXX that was not correctly applied. I told them about it and they said they would correct it. When I got the XXXX statement, it did not show the correction because the XXXX statement, prepared XX/XX/2022, was before they received my XXXX principle payment. They told me because of the preparation date I would see the adjusted principal payment on the XXXX statement, prepare on XX/XX/2022. The XXXX statement does not show a single Principal payment but shows part of the payment as a negative Payment Adjustment in the Principal category and a second entry described as Unapplied Funds credited to a Fees/Other category. This statement does not show me the full amount of my payment being applied to Principal. Therefore, I have no way of knowing if the Principal payment was credited properly or went into their coffers as interest and escrow or fees. 

Your help to rectify this situation would be greatly appreciated. And advice of any actions I might take would also be helpful.
Consumer complaint received 2023-06-23
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. (NY)

XXXX XXXX XX/XX/2023 This inquiry don't have permissible purpose to be on there .this hard inquiry is hurting me to get approve i already reach out to the credit bureau multiple times they keep violating my rights under 15 usc 1681b. XXXX XXXX XXXXXX/XX/2023
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2022-05-31
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: CrossCountry Mortgage LLC (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. XXXXCROSSCOUNTRY MORTGAGE, INQUIRY ON : XX/XX/2021. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. ''
Consumer complaint received 2023-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

The following accounts were opened without my consent or knowledge and are a case of identity theft. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Company put a hold on my account because I purchased an XXXX. 

Resolving this hold required a massive amount of personal data to be mailed unsecured to a XXXX XXXX XXXX I requested a secure portal instead. The company ( After two weeks ) was incapable of making this work. 

When I requested to close the account, the company refused, locked the account and hung up on me ( twice )
Consumer complaint received 2018-09-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC (IL)

A company going by name Debt Recovery Solutions , LLC has constantly harassed me about supposed medical debt in collections. These are fraudulent charges. I have disputed these charges as fraudulent on multiple occasions with all 3 credit borrows. Company keeps opening collection accounts in my name for different amounts ( 3 amounts/being charged- ( {$58.00}, {$910.00}, {$1100.00} All supposedly related to XXXX XXXX XXXX ). I have never heard of this company and never visited them. The exact same amount has also been attempted to be collected under a different company names- XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX.
Consumer complaint received 2017-07-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Darnel Quick Recovery, Inc. (GA)

I have disputed this thru XXXX and they still will not remove this account. The original creditor is a XXXX XXXX Hospital. I do n't live in XXXX and I 'm not really sure I 've even drove anywhere near there let alone went to a Hospital there.