davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I opened an account online which was supposed to give me a bonus of {$100.00} in XX/XX/2019 after I met their requirements. I met their requirements in XXXX and they said they would send me a check because some how the online code didnt work and it would be about 30 days and gave me a reference # XXXX. So around XX/XX/XXXX I called back and they had me on the phone for over an hour trying to figure it out and couldnt find the reference #. They again gave me a new reference # XXXX and said it would be expedited so I should have something within 2 weeks. Still nothing. Called back on XX/XX/XXXX and was on the phone for a half hour while they tried figuring it out again. Told me it wasnt ready yet and in review. Then I received a call on XX/XX/XXXX and they said it's still in review and they will call me when they have a decision. It shouldnt be in review I met all their requirements and have 2 reference # s from them saying they were gon na send it out.
Consumer complaint received 2019-07-04
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

THESEARETHEACCOUNTSTHATISONMYCREDITREPORT1.XXXXXXXXXXXXAMOUNTXXXXXXXXDATEOPENEDXXXX2.XXXXXXXXXXXXAMOUNTXXXXXXXXDATEOPENEDXXXX3.XXXXXXXXXXXXAMOUNT:{$2000.00}DATEOPENEDXXXX4.XXXXXXXXXXXXXXXXXXXXAMOUNT:$XXXXDATEOPENEDXXXXINQUIRESXXXX/XXXX,XXXXXXXXXXXXXXXXXXXX
Consumer complaint received 2019-07-04
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. (NY)

I Have almost 11 inquiries on equifax report, wrong addresses, wrong names and I have contacted on the phone and send them repeatedly my ID Documents which they require each time I called for the past 6 months but they have not removed wrong information and this cycle is going on since XX/XX/2019.
Consumer complaint received 2023-03-20
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. (NJ)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute some negative information that has been reported on my credit report. After reviewing my credit report, I have noticed several items that are incorrect and I request that they be removed from my report immediately. 

Firstly, the personal information listed under account number XXXX XXXX XXXX XXXX NJ XXXX, dated XX/XX/XXXX, does not belong to me. This address belongs to someone else and should be removed from my report immediately. 

Secondly, I have no recollection of authorizing a credit pull by XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. I did not give any authorization for this inquiry, and I demand that it be removed from my credit report. 

Finally, the account number XXXX under the name of XXXXXXXX XXXX XXXX is questionable. I would like clarification on this account, or I demand that it be removed from my credit report. 

I am requesting that these items be investigated and removed from my credit report as soon as possible. I appreciate your prompt attention to this matter, and I look forward to receiving a response from you. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-07-04
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. (RI)

I checked my report and notices all these inquiries and account that isn't mine. The account is XXXX XXXX XXXX/ XXXX XXXX which i never had. i have numerous inquiries that are not mine that i would like removed asap. 
1 ) XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX  XXXX XXXX 6 ) XXXX XXXX XXXX 7 ) XXXX  XXXX XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX 10 ) XXXX XXXX 11 ) XXXX 12 ) XXXX XXXX XXXX XXXX 13 ) XXXX XXXX XXXX 14 ) XXXX 15 ) XXXX XXXX
Consumer complaint received 2019-07-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

**On XX/XX/2019 I made an online mortgage payment of {$1100.00} to Ditech Financial LLC to pay for XXXX. The payment, unbeknownst to me, was not applied because I mistakenly transposed the last two digits of my bank account number. 
**When I noticed that the money had not been withdrawn from my account after several days, I phoned my bank and learned that no request to withdraw had been received from Ditech . 
**I phoned back and forth between Ditech and my bank for about five days asking about XXXX XXXX payment. Finally, a CSR from Ditech assured me that the payment had, in fact, posted as " received '' on XX/XX/XXXX. 
**It was not until on or about the XXXX of XXXX I received a voicemail from a CSR from Ditech who left no detailed message but left a number for me to call Ditech . 
**On XX/XX/XXXX, I received a form letter from Ditech informing me that my payment for XXXX was returned for non-payment. Nothing was mentioned about Ditech reporting to the credit bureau. 

**Prior to this incident, I had begun the process of refinancing my home. It was because of that process I learned that Ditech had wasted no time in reporting a LATE payment on my mortgage to the credit bureau. 
**The next time I called Ditech to dispute the negative credit bureau entry and was told to send an appeal/request via U.S. mail or fax to have the negative report reversed. I did send the fax. I included the fact that this was the fault of a simple error and due to the extenuating circumstances, they should reverse that report. 

**Yesterday I received another letter from Ditech stating that they will have to " look into the matter '' and I should expect a reply in 30 days. What is there to investigate? I have told them what occurred, it was a SIMPLE typographical error. I have not missed a payment or been late until this incident. WHAT is there to investigate?? This is unnecessary. 
Incidentally, I owned my first house for 23 years and was NEVER late nor missed any payment. 

**Ditech has served me an injustice. I did everything I could possibly do to verify my payment was on time. But due to their slow moving collecting system, payments take days to go through then even more days to be returned then more days to go through again. If Ditech was better organized, and their personnel better trained, and they had a faster collecting system could have possibly been avoided. And consider the fact that I was told my payment had been received AND posted as PAID. How can they justify such a hasty move to the credit bureau? 

**I am sure you can understand my frustration. I am trying to refinance as well. The right thing for Ditech to do is to take that negative report off my credit file with the same haste that it was sent. 

**This statement can be corroborated by Ditech playback of their calls that are recorded with customers.
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

This is not sent in by error. I am a consumer by law and my information is being misused and now I have some false not 100 % accounts on my credit report. Unauthorized used of my credit report.
Consumer complaint received 2021-02-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (GA)

I recently filed a claim regarding an authorized transactions on my account. The bank, Wells Fargo denied the whole claim based on the fact that I could not prove any fraud on the FIRST of the three transactions. All the transactions were fraud and they never investigated the second or third transactions just denied the whole claim based on the first one
Consumer complaint received 2019-07-04
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MN)

FCO Fair Collection Agency Has contacted me several time trying to collect a deb on a property back inXX/XX/XXXX that by the original creditor I am no longer financially obligated, A letter was provided to the collection agency after requesting validation of debt, I contacted this creditor several time including XXXX to request for them to stop calling my office and my family and friends, After speaking with one of the financial complaint officers After scream at me and using offensive language, he advised that he's only job was to make sure this debt was collected and he did not have any time to resolve or canceled or clarify this error. requested original signatures validation of debts and this documentation was never provided to me. 

On XXXX XXXX XXXX was contacted at XXXX by this collection agency demanding and requesting my personal and new home address and telephone number, when the collector was asked about my debts the information was provided without my authorization. I contacted FCO and they continue to treat me over the phone like they did not have record of me contacting them.. 

I submitted proof and all necessary documentation releasing me from this collection account credit B removed this collection twice from my report after investigation was initiated, and they continue with harrasing me over the phone. 

I have communicated to this collection agency that I have file a complaint and they respond was, ( EVERYONE CAN FILE A COMPLAINT WE DON'T CARE BECAUSE THIS AGENCIES NEVER RESPOND )
Consumer complaint received 2019-07-04
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. (RI)

XXXX owe {$6300.00} opened in XX/XX/XXXX XXXX owe {$9700.00} opened in XX/XX/XXXX XXXX/XXXX XXXX XXXX   owe {$1500.00} opened in XX/XX/XXXX XXXX XXXX owe {$1000.00} opened XX/XX/XXXX XXXX XXXX owe {$250.00} opened XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX amount {$13000.00}
Consumer complaint received 2019-05-01
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (FL)

My vehicle was stolen and then set on fire in XX/XX/XXXX. I contacted OneMain Financial Services regarding the issue and was paying for insurance in case something happened to my vehicle. One Main refused to honour the insurance or even discuss the problem with me. The local office was rude and incompetent to the nature of the events. Since then they continue to try and bill me despite my vehicle being a complete loss.
Consumer complaint received 2018-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (NC)

I previously reached out to credit bureaus in regards to this item. Every time is stayed as verified. I contacted you guys CFPB a few weeks ago and you closed out case because they responded. The issue is the information that was sent to me was not valid. 1. The address this on what they sent me which looks like an application was from an address that never was associated with me. 2. The signature there isnt one listed. There is not a personal signature only shows electronic. I have rights and there this isnt legal proof. There should be a signature that shows prof that it is my account. Also the bank account numbers that show on document had never been associated with me either.

Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via XXXX or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act.

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. 

There is no proof that this is my account and this company is violating my rights.
Consumer complaint received 2019-07-04
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. (NC)

Transunion failed to verify the accuracy of XXXX XXXX XXXX. This is damaging my reputation and creditworthiness. Please remove the late status from my credit report as soon as possible the sooner the better because it is preventing me from getting anything approved
Consumer complaint received 2019-07-04
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. (NC)

I have recently received a copy of my credit report..The report had an account listed from that are not mine. I disputed the account with the credit bureau as " not mine '' but it recently came back as verified ... I have no obligation to pay this collection agency, never had an account with this company. Please delete immediately before further harm is done ... XXXX XXXX ( ORIG CREDITOR : 08 XXXX XXXX XXXX XXXX XXXX XXXX )
Consumer complaint received 2019-07-04
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. (NC)

I could not believe they did a full investigation on the account because it is incorrect.. Equifax keep on saying that XXXX XXXX XXXX is a charge off, they were paid off and was not late..CFPB step up and remove the account asap
Consumer complaint received 2023-03-20
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-07-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Fein, Such, Kahn & Shepard, P.C. (NJ)

FEIN SUCH KAHN & SHEPARD, P.C. put a Judgment # XXXX on me. I don't have any written or verbal contract with them, they never validate the Debt.FEIN SUCH KAHN & SHEPARD, P.C.are the original creditor and they violating Fair Debt Collection Act. Debt already been forgiven/paid internally. Original Bank for the credit card Debt never filed 1099 A or 1099 C to IRS so Debt been write off by the original Bank. Debt is been too old and there's no activity on that account for over 10 years. FEIN SUCH KAHN & SHEPARD, P.C. act is completely illegal and has to stop and investigated by AG NJ office. FEIN SUCH KAHN & SHEPARD, P.C. is in serious violation of Civil Rights and Common law and FDCPA violations.Alleged Debt is not owed any more because it passed age of limitation.
Consumer complaint received 2023-03-20
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: Experian Information Solutions Inc. (CA)

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, Account name : XXXX - XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account XXXX XXXX XXXX # xxxxxx XXXX, Account XXXX XXXX XXXX # XXXX XXXX Account XXXX XXXX XXXXL # XXXX, Account XXXX XXXX XXXX XXXX # XXXX has violated my rights XXXX 

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 2023-03-20
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. (GA)

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX  XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$40000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

I have incorrect information listed on my credit report including at one point an incorrect social. I have called and written to dispute this information with no resolution. The following information is listed incorrectly XXXX XXXX XXXX, XXXX XXXX XXXX, chapter XXXX bankruptcy, chapter XXXX bankruptcy, state of alabama human resources. Also the following names are listed incorrectly XXXX XXXX, XXXX XXXX. The following addresses XXXX XXXX XXXX XXXX la XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, al XXXX
Consumer complaint received 2019-07-04
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. (RI)

I checked my report and notices all these inquiries and account that isn't mine. The account is XXXX XXXX  XXXX/ XXXX XXXX which i never had. i have numerous inquiries that are not mine that i would like removed asap. 
1 ) XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX  XXXX XXXX 6 ) XXXX XXXX XXXX 7 ) XXXX   XXXX XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX 10 ) XXXX XXXX 11 )  XXXX 12 ) XXXX XXXX  XXXX XXXX 13 ) XXXX XXXX XXXX 14 )  XXXX 15 ) XXXX XXXX
Consumer complaint received 2015-06-26
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CO)

I submit equity line applications through a branch in Wells Fargo. During the underwriter 's review, I was asked to prove that I have XXXX in liquid assets. I had explained to them that I have equity lines with another bank and can easily pull XXXX in cash, but they insist that I need that amount in cash. So they declined my applications. And I talked with another branch of Wells Fargo, I was told that I should be able to do withdrawing the applications, but the banker I worked with told me no. 
1. Requesting XXXX in cash for an equity line applications is unreasonable. If I had worked with another bank for an equity line application, they never had that kind of unreasonable request. If I had that amount in cash, why I would need the equity lines for? 
2. XXXX is not a small amount. If that could be a requirement for an approval, I need to be notified by that before I started the applications. Otherwise, I would have applied for something which is guaranteed not to be approved. 
3. I told the banker that I would not start the applications at all if I were told that I need XXXX in cash before they declined my applications. Why they declined my applications without asking me if I wanted to withdraw them?
Consumer complaint received 2024-03-30
Product: Credit reporting 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: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX is not allowing me access to my credit report and score. 

I have had an issue with XXXX unfairly loading my credit score after I applied with Capitol One credit card services. 

Capital One and XXXX both harassed me daily with credit pre approval invitation from Capital One and credit card match emails from XXXX suggesting I apply with Capital One. 

Ever since I applied with Capital One, XXXX is unfairly and deceptively denying me access to me credit report and score. During this time I asked XXXX why they decreased my score by XXXX points when I applied with Capital One they never responded and I gave not been able to access my account since. 

When I enter the CORRECT pass word XXXX alleges it is incorrect. When I request to reset password XXXX advised they are sending a text or call to my phone number. I never received the text or call. 

I feel XXXX is purposely denying me access to my account because they are in cahoots with Capital One Im trying to destroy CERTAIN consumers credit. 

XXXX needs exposure, investigating, and auditing. 

Please ask XXXX why they are violating my fair credit rights and why I am being denied access to my credit report.