davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I had five accounts at Capital one and apparently all were compromised because of a security breach at the bank. There were XXXX and Western Union transactions done by fraudsters, using my information because of that breach, however when then fraudulent transactions were paid, both Capital and Western Union did not take any responsibility for their lack of security, and claimed that the paid transactions were legitimately done by me. This is not so, since the transactions were paid and sent from XXXX and both of these agencies never contacted me, suspended or blocked the suspicious transactions. They are now claiming I am responsible for any payments they made on my behalf because of the fraud they allowed to be committed on my accounts at Capital One Bank and Western Union Financial Services. 

I previously submitted a complaint to your agency against Western Union, but it was closed without anyone from your agency contacting me to respond to Western Union 's response. I am of the opinion that your agency has taken the side of the company which allowed my account to be hacked and funds paid to fraudsters, over me the consumer which is who your agency should be protecting. 

Sir/Madam, I have been defrauded over XXXX us dollars via fraudulent transactions conducted with my information kept at Capital One Bank and Western Union Financial Services and need to have my money returned. I am totally disappointed with your agencies response to my original complaint against Western Union and would appreciate you taking a second look at my case. 

Thanks XXXX XXXX XXXX
Consumer complaint received 2019-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (GA)

To whom it may concern, I am writing this to see if someone can help me. i been contacting leasing offices, debt collectors and more pleading my case. i seen years ago i had a apartment show up on my credit report. And once i noticed i submitted multiply disputes to handle the situation and nothing has happened. when speaking to others they have told me there is nothing that i can do and it would remain til i pay it. so for years i done nothing. Then i still tried to apply to apartments and they have all denied me. I cant even get a place to stay so currently i am XXXX. All because of some incorrect information on my credit report. The last time i contacted the apartment people they had advised me that the apartment people no longer own the apartment and they also couldn't help me. i have also contacted the previous apartment company they have not gotten back to me. so now Im pleading my case to you because i need help. Im being punished for something i didn't do. also i asked the credit people what they were using to verify it was me. and they saying that they just matching information. I was robbed years back and they stole my wallet which included my personal items. so i feel someone used it and purchased the apartment..
Consumer complaint received 2019-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

I have disputed a debt that was added to my credit report under a different name. It was under XXXX XXXX the first time, not its under XXXX XXXX. They did not send me a right to dispute letter, nor sent me validation of the debt. XXXX XXXX could not provide that information years ago. This was years ago that this was removed from my account. This is the second time Transunion and XXXX  has let invalid debt be put on my account. This is not a vaild debt. I asked for verification of this years ago. I had to file a complaint here to get them to take care of it the last time.
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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 



I demand the following accounts be verified or removed immediately. 

XXXX XXXXXXXX XXXX Validate Account XXXX  XXXX Validate Account XXXX XXXX XXXXXXXX Validate Account XXXX XXXX XXXX Cancel contract. Please provide the original contract or delete XXXX Validate Account XXXX XXXXXXXX XXXX XXXX Validate Account * Please remove all non-account holding inquiries over 30 days old. 

* Please add a Promotional Suppression to my credit file. 

In accordance with the fair credit reporting act XXXX account Thank You, XXXX XXXX
Consumer complaint received 2023-10-05
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. (NV)

XXXXime has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have been monitoring starting date of XX/XX/2024, my credit report due to data breaches. I noticed a collection from XXXXXXXX XXXX. I did not notice. I have contacted all three credit bureaus. The company agreed and removed the collection from my credit report then they later on added the account back. I have attached proof.
Consumer complaint received 2021-11-14
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. (TN)

I have several inquires listed on my credit report that I don't know anything about. I just noticed when I accessed my credit report. This was not done by me. I have explained this several times. Please delete this fraud information. 
XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX
Consumer complaint received 2021-11-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (TX)

Only Offered me 15-year fixed loan XXXX  Call from XXXX XXXX concerning my XXXX credit score Placed a fraudulent credit report in file Required me to have total of XXXX savings After I produced bank statements required additional XXXX Accused me of my mortgage being in Forbearance Demanded two letters from my mortgage company showing not in Forbearance Denied my mortgage application Stated my monthly income didnt match {$8000.00} False information stating my rental income only offsets the cost of keeping the home Refused to accept rental income of {$3000.00} / Mortgage for property XXXX Refused to accept seventy-five percent of rental income per Government Mandates Refused to accept Monthly Rental Contract from HUD ( US Government ) ( {$3000.00} ) Refused to accept sign lease and contract from tenant XXXX XXXX Never ask for proof of rental payments since start of lease Denial mortgage because debt to income ratio not 50 % or less before loan approval My monthly income is {$1600.00} short In closing if you evaluate all the falsely adverse conditions that was required of me to get approved for this mortgage application with Better Mortgage you will find undisputable evidence that I was discriminated against due to me being a XXXXXXXX  year old XXXX American man. Mr. XXXX XXXX clearly falsely spoken when he stated As I previously mentioned, to move forward your monthly debt-to-income ratio ( all monthly debts up against monthly income ) needs to be 50 % or less. As your loan is currently structured, we need to verify {$8000.00} XXXX in income ; we have accounted for {$6000.00} in pension and {$380.00} in social security for a total of {$6400.00}, which leaves us short of {$1600.00}.
Consumer complaint received 2018-09-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (DE)

I set up a bill pay process with my bank, XXXX, XXXX, DE, in early XXXX to pay a mortgage payment on XX/XX/XXXX as the payment was due on XX/XX/XXXX. 
I monitored the transactions on both online accounts, Rushmore Loan Management and XXXX. The withdrawal from the XXXX account appeared as expected. The payment to Rushmore did not appear on the XXXX nor has it appeared in my account to date XX/XX/2018. 
As the bank payment didn't appear I decided to make an online payment on XX/XX/XXXX to avoid late fees and an impact on my credit score. 
I called Rushmore customer service on the XXXX to ask how long it took for transactions to be posted and was told 3 to 4 business days. I also explained that I made an online payment in addition to the bank payment. The representative offered to cancel my online payment as the bank payment was expected. I accepted her offer and she was to cancel the online payment. 
As of the XXXX the bank transaction has not been posted and the cancelation transaction has not been posted. 
I no longer have confidence that Rushmore is servicing my loan appropriately. Is it acceptable for a banking institution to wait so long to post transaction or are the transaction not occurring?
Consumer complaint received 2018-09-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I sent in a payoff check to capital one auto because I refinanced my vehicle with XXXX XXXX. I sent the check on XX/XX/XXXX for {$10000.00} via certified mail to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX. I confirmed that they received the check on XX/XX/XXXX via tracking number that was given to me and it showed that they signed for it however it has not been cashed. I've contacted capital one daily in regards to this matter. Capital one also confirmed via tracking number provided XXXX that they received it but still cant tell me where the check went. They then instructed me to do a stop payment on the check and have the bank reissue the check. Before doing so they also advised that since it was lost by them it will be backdated to XX/XX/XXXX when they received the first check. I did as I was instructed and when I spoke to a rep on XX/XX/XXXX they stated that the payoff will not be backed and I have to pay additional interest because the check that I sent wasn't a payoff check. The rep still couldn't explain where the check went or why it wasn't cashed and is blaming me for their mistake at this point. I just sent a new check on XX/XX/XXXX after waiting 2 weeks for them to cash this check and I causing a hardship because my credit was impacted due to 2 loans being opened. I'm in the process of buying a house and this issue is causing problems with closing on the home. I beg of you please help me.
Consumer complaint received 2018-09-18
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: CREDIT ACCEPTANCE CORPORATION (MS)

my car was repo for being 4 weeks being. I just had my car painted, new tires, new, bumper and more. The repo company drug my car out of my yard not only damaging my car but leaving marks and damage piece of my yard where it looks as if they hit the curve while removing my car. You can see in the pictures below the evidence and also the paint from my car.Now my car is also having an hard time switching gear.
Consumer complaint received 2021-11-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (ID)

I have kept COPIES all of the XXXX XXXX XXXX BANK Cashier Checks XXXX XXXX money orders for the last 2 years since OCWEN/PHH formed their marriage XXXX Previous OCWEN alone were XXXX amounts. OCWEN/ PHH were {$480.00} amounts. 
When I was using OCWEN due to the home insurance here for my place in XXXX jumped to $ 1700 year. OCWEN was then {$790.00} to $ 900 year. So I knew they only covered the cost of the money. Payments went up to {$570.00} I started using them for the 1 year. I RESTARTED a new XXXX XXXX XXXX the rates were {$98.00} month in XX/XX/XXXX. Their rates were less than the others ; XXXX XXXX ; XXXX XXXX, and coverage was the same. OCWEN/PHH came XXXX the with my payments were late XXXX XXXX. I paid the {$24.00} dollars with a separate check. from then on they continued with the scam, to ruin my XXXX rating. It was then, I read about this Case in XXXX XXXX XXXX, Idaho that made me start thinking about the particulars. OCWEN vs XXXX they had the cops evict them from their home and business. Well then my Checks would disappear and show up weeks later but I had already started making copies of everything I sent to OCWEN/PHH they continued to losing my moneys and continued every month with late payments and attacking me with on my XXXX score to prevent me from being able to Refinance. They alone intentionally was looking to stealing my XXXX, by going into foreclosure. I would apply at other places and they would give me answers like you haven't made a payment since XX/XX/XXXX. A lot would just not call back, or say if you raise your FICO we would be interested. My checks always had my ID # number on them XXXX and the Due date as month and day. My XXXX XXXX XXXX XXXX checks were cash through XXXX Bank. The XXXX XXXX XXXX Orders there is a question. Maybe 6 out of the 2+ years. I have my paper trail but getting my XXXX Bank paper trail would be difficult for me. I believe my # is a XXXX #. I get my SS Deposits either on the XXXX of the month up to the XXXX the month. I always purchase my payment between those dates. Everything I SEND always attach CERTIFIED MAILER, plus the copies which proves I paid before the XXXX of next month. I have those but there at the XXXX XXXX XXXX XXXX XXXX XXXX. The payments for XXXX XXXX XXXX they sent back without cashing them. But I have the CERTIFIED XXXX AND COPIES. XXXX XXXX XXXX  passed to me my XXXX now less than XXXX. There may be things I should include that are possible but it is now XXXX Sunday the XXXX I could try to send more. My XXXX XXXX XXXX seems over whelmed. I want to take this thru a XXXX XXXX as XXXX, Idaho. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Idaho XXXX XXXX XXXX
Consumer complaint received 2019-01-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P. (NJ)

Today XX/XX/XXXX XXXX XXXX XXXX reported to credit bureaus that I opened an account on XX/XX/XXXX. In reality this was an Old XXXX account that has been closed since XXXX. Today I contacted XXXX and spoke to XXXX. He checked this account XXXX and stated account has been fully closed since XXXX, no history nor amount nor any remarks on this account. Paid in full. I asked Southwest why are they reporting this XXXX old account as a new Collection but a reason was not given. This has damaged my good credit scores. Now I can not purchase a home.
Consumer complaint received 2021-11-14
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: EQUIFAX, INC. (DE)

As being a victim of identity theft. I have repeatedly sent all files and documents to EQUIFAX and XXXX. These companies will not follow cfpb guidelines for all identity theft cases. It has been 120 days and they will not remove all accounts that was opened fraudulent in my name! I have sent everything they needed to prove my case. Under your code of 605B " BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT [ 15 U.S.C <1681 c-2 ] theses companies are not following this rule.
Consumer complaint received 2019-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I submitted a request to XXXX XXXX XXXX XXXX that this credit card company letting them know that is Inaccurate information not belonging to me and it needs to be deleted immediately Dates XX/XX/2019Dates XX/XX/2019 The unverified items listed below remain on my credit report in violation of Federal Law. And they required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. I have not been provided this information
Consumer complaint received 2019-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

I submitted a request to XXXX XXXX XXXX XXXX that this credit card company letting them know that is Inaccurate information not belonging to me and it needs to be deleted immediately Dates XX/XX/2019 Dates XX/XX/2019 The unverified items listed below remain on my credit report in violation of Federal Law. And they required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. I have not been provided this information
Consumer complaint received 2022-05-20
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)

In XX/XX/2022, several letters were mailed to XXXX regarding alleged accounts with XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX and two unknown and unverifiable collection accounts. Accompanied with those letters were the complaints filed with the CFPB. XXXX responded to me and to the CFPB that the accounts were verified as accurate and reporting to the regulations of the FCRA. In XX/XX/2022, I spoke with Experian and XXXX about fraudulent information being reported with accounts from XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. After verifying and DELETING the accounts, to be in compliance with the FCRA section 623 ( b ) ( 1 ) ( D ) XXXX and Experian were both supposed to report their findings to XXXX. To ensure that all companies are reporting accurately, I fulfilled my due diligence by reaching out to XXXX myself to report the updated information. After speaking with multiple representatives, they informed me that the information regarding the mentioned accounts were reporting accurately and that they verified the information. I asked each representative who verified this fraudulent information and how they were able to verify something that two other companies verified as fraudulent and erroneous? I explained to XXXX that I am the original creditor and consumer, and by holding both titles, I can not attest to ownership of this erroneous and fraudulent information being reported. As of XX/XX/2022, there is a pending dispute over the accounts. In the process of this dispute, XXXX still continues to knowingly and willingly report fraudulent information. This fraudulent information being reported adversely affects my credit worthiness, my credibility, and my character. 

To attest to my statement being true, I have attached the most recent copies of the reports from Experian and XXXX.
Consumer complaint received 2021-11-14
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. (FL)

In XX/XX/2021 I paid my final payment to XXXX credit. They emailed me a letter congratulating me on paying off my loan XXXX XXXX. On XXXX XXXX I noticed in my experian credit report it is still being reported as open and the balance had yet to be reported since XXXX of 2021. I contacted XXXX and I was informed that they updated the account was closed on XXXX of 2021. I also called experian and was told to dispute it with my payoff letter. After disputing the results I received a notice that the information was accurate and will remain the same.
Consumer complaint received 2022-10-13
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. (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 XXXX XXXX XXXX. 

Account : XXXX XXXX  XXXX # XXXX, Account : XXXX XXXX # XXXX, Account : XXXX # XXXX, Account : XXXX XXXX # XXXX XXXX DeptedXXXX : # XXXX 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 with antedates the report by more than seven years.

15 USC 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