davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-22
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. (MD)

The summary of my present and past credit status including open and closed accounts and balance information is fraudulent. All three credit bureaus are reporting erroneous information. None of the information reported is correct. 
Total Accounts Reported - XXXX  ( 16 ) XXXX ( 14 ) Equifax ( 12 ) Open Accounts Reported - XXXX  ( 14 ) XXXX  ( 2 ) Equifax ( 4 ) Closed Accounts Reported - XXXX  ( 2 ) XXXX ( 12 ) Equifax ( 8 ) Delinquent Accounts Reported - XXXX  ( 1 ) XXXX  ( 1 ) Equifax ( 1 ) Derogatory Accounts Reported - XXXX ( 12 ) XXXX ( 11 ) Equifax ( 8 ) Collections Accounts Reported - XXXX ( 11 ) XXXX ( 10 ) Equifax ( 6 ) Balances Reported - XXXX  ( {$27000.00} ) XXXX ( {$26000.00} ) Equifax ( {$22000.00} ) Payments Reported - XXXX  ( {$38.00} ) XXXX ( {$13.00} ) Equifax ( {$38.00} ) Inquiries Reported - XXXX  ( 4 ) XXXX  ( 3 ) Equifax ( 7 )
Consumer complaint received 2017-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Balance transfer requested with capital one credit card for XXXX requested on XX/XX/XXXX posted to my account as balance on XX/XX/XXXX with capital one. During the transaction there was no notification as to a 10 day waiting period for balance to be transferred. No full disclosure. I requested an electronic transfer. They issued a check which has not been received as of XX/XX/XXXX by XXXX credit card. I asked Capital one to remove the balance until the check is cleared and funds have been recieved. They refused. I now have a balance on both credit cards.
Consumer complaint received 2022-03-22
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. (NY)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please REMOVE the accounts in my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-03-22
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: TRUIST FINANCIAL CORPORATION (PA)

I owed by a bank for a personal loan taken out years ago. A judgement was put on me. I was contacted by XXXX XXXX XXXX XXXX claiming they could solve my debt with BB & T now Truist and I would make regular payments to them. I made regular monthly payments of XXXX each month for 15 months beginning XX/XX/XXXX via my debit card on auto payment... then it just stopped. I called XXXX XXXX and they said my debit was paid. no further action was needed. 
On XX/XX/XXXX I was served papers again from The Court Of Common Pleas XXXX XXXX PA stating there was again a judgement against me and now a lean all documentation is attached
Consumer complaint received 2020-10-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (FL)

I haven't received any notification about this debt. I have no knowledge about this debt or belief that this debt belongs to me. This amount {$420.00} is nothing I owe. I would like to see the original creditor not another collection agency the original credit company that shows I applied for this debt and any correspondence verification.
Consumer complaint received 2022-05-12
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. (NC)

on XXXX XXXX, XXXX  a validation of debt was requested. This request was never received nor response.according to the FDCPA all collection was TO cease until debt has been violated. USDA is in violation of 15 USC 1682o willful non compliance. USDA has accepted instruments and has failed to return or credit account.

1. 15 USC 1692 G MUST BE NOTIFIED IN 5 DAYS BEFORE ANYTHING IS ADDED I Was never notified by USDA 2. 15 USC 1666E CAN NOT TAKE ADVERSE ACTION SUBJECT TO PENALTY 3. 31 USC 5118 OBLIGATION CAN BE DISCHARGE WITHOUT LEGAL TENDER 4. 12 USC 1431 BANKS CANT LOAN MONEY THEY ARE THE BORROWER 5. 15 USC 16932 FALSE REPRESENTATION 6. 15 USC 1681 a ( d ) ( 2 ) ( B ) Exempt clause 7. 15 USC 1681b IDENTITY THEFT 8. 15 USC 1666b NO SUCH THING AS LATE PAYMENTS
Consumer complaint received 2024-05-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC (TN)

I requested validation of debt twice and did not receive it. The debt collection agency WAKEFIELD & ASSOCIATES did not send me validation of debt both times. I am attempting to hold them accountable, and they are trying to block me out. My second complaint was marked as duplicate when it had different context. I want the account removed. It is an alleged medical debt. The company claimed they sent me a notice back in 2019, I did not receive any notice. I asked for the notice again and my request was further ignored. I want the account removed. shows incomplete in my consumer report but no one is doing anything to correct it per the FCRA. The debt collector is breaking FDCPA, FCRA, and Furniture Rules and statutes. I told them to cease and desist communication and collection activity until they provide me the info I asked for and they are refuting my request. This FDCPA 15 USC 1692g ( b ) and 12 CFR 1006.34C of the Debt Collection Rule.
Consumer complaint received 2022-03-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION (FL)

I have now sent Credit acceptance a copy of my FTC identity theft report multiple times, the last time being on XX/XX/22. 

Pursuant to 15 U.S.C. 1681s-2 ( 6 ) Duties of furnishers upon notice of identity theft-related information ( B ) Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may NOT furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. 

They have been supplied with all of the necessary documentation from my end. I have disputed this charge over and over, and now they have a sworn statement.
Consumer complaint received 2019-11-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

To whom it may concern, I pulled my credit report and noticed fraudulent accounts on my credit report. It is driving me nuts and I want your help I am trying to purchase a house ASAP & I just have a baby. I got in contact with them multi times and they still haven't got back to me so I am contacting you guys directly to remove the fraudulent accounts and the inquiries please and thank you.
Consumer complaint received 2015-12-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Conn's, Inc. (TX)

Conn 's continues to attempt to collect a debt that is not mine. I have provided all documentation to them and they continue to claim they ca n't do anything about it. I have also filed a complaint with the Texas Attorney General 's office due to the illegal activity being conducted by Conn 's. I am again disputing this alleged debt in it 's entirety and providing proof that this debt was already disputed in 2014 and deleted because it was not mine. Conn 's is illegally trying to collect on a debt they know is not mine. The Attorney General is currently looking into Conn 's and their actions. I will continue to file complaints until Conn 's does the right ( and legal ) thing and remove this debt that their past collection agency deleted due to inaccuracy. They have illegally resold this inaccurate debt to another collection agency in yet another attempt to collect this debt. They can not honestly believe that me, the CFPB, or the Attorney General will believe their " we ca n't locate an account '' bull when they just resold the account to another agency for collection. Obviously, Conn 's knows exactly what account I am referring to and they have provided all the evidence needed to prove they are acting in an unconscionable manner.
Consumer complaint received 2022-10-27
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)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX AUTO XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX CT XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2022-05-12
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. (WA)

Equifax shows a charged off account that is not mine. I have already disputed it and they have responded by saying it is verified. It is a XXXX XXXX account. Equifax only shows four of the account numbers ( which aren't mine ) and no name or social security number. 
My personal XXXX XXXX account is eight years old and is open and in good standing so I don't understand this report. If Equifax can't verify who the owner is how can they list it as mine?
Consumer complaint received 2022-05-12
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. (FL)

n 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. 

XXXX XXXX ACCOUNT # XXXX, 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 t
o 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 2024-04-08
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (GA)

I sent a letter to XXXX XXXX XXXX XXXX requesting a validation of the information they are reporting on my credit report. I received a letter on XXXX stating they had no info as the debt was sold to the XXXX in XX/XX/year>. If the debt has been sold, they should not be reporting anything on my credit report if they no longer own the debt.
Consumer complaint received 2023-07-06
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 was open this credit card and start using it. Everything was fine until someone stolen the card and make a purchases plus make a payments. Plus they charged XXXX $ for fast card delivery, what a shame. 

Today I say again a lot of unauthorized transaction plus my account restricted with no reason. I called them and understood nothing. They need to call somebody's bank??? what??? I said that it's fraud and someone making purchases and make payments.Not me. So, for now my card restricted, I don't have it in my hands because I loose it with my phone in somewhere. Parking lot or something.Why they can not help people? On the phone he said 7-10 business day to wait. For what???? Payments canceled. What a shame
Consumer complaint received 2022-08-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (OH)

Chase does not have a secured interest in our property located at XXXX XXXX XXXX XXXXXXXX, OH XXXX which was conveyed to us by General Warranty Deed on XX/XX/XXXX. Attached please find a copy of our Mortgage # XXXX to XXXX  as Nominee for XXXX XXXX XXXX XXXX. Attached please find an Assignment of Mortgage to Chase Home Finance LLC signed by XXXX XXXX on XX/XX/XXXX as Assistant Secretary and Vice President for XXXX XXXXXXXX XXXX XXXX XXXX as Nominee for XXXX XXXX XXXX XXXX XXXX its successors and assigns. Attached please find the Corporate Resolution granting XXXX XXXX the authority to sign as " as Assistant Secretary and Vice President for XXXX XXXXXXXX XXXX XXXX XXXX dated XX/XX/XXXX. As you can see in the attached documents XXXX XXXX did not have authority to Assign the interest in this property on XX/XX/XXXX in the above referenced assignment. 

In addition to the above Chase Home Finance continues to harass us by phone calls, mailings and filing Foreclosure XXXX on XX/XX/XXXX and XX/XX/XXXX while are under Bankruptcy Protection.
Consumer complaint received 2022-05-12
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. (FL)

XXXX XXXX XXXX XXXX XXXX  ACCOUNT # XXXX IS REPORTING INACCURATELY ON MY CREDIT REPORT AND NOT REPORTING 100 % ACCURATE I GOT A UPDATED CREDIT REPORT AND SENT A CERTIFIED LETTER TO THE CREDIT BUREAUS TO INVESTIGATE AND VERIFY THE ACCURACY OF THE ACCOUNT I RECEIVED A LETTER FROM THE CREDIT BUREAUS STATING THAT THE CREDITOR VALIDATED THE ACCOUNT TO BE 100 % ACCURATE AND AS I HAVE DOCUMENTS SHOWING THAT THIS ACCOUNT IS NOT REPORTING 100 % ACCURATE AND FAIR ON MY CREDIT REPORT I ALSO INCLOSED A DEBT VALIDATION LETTER FROM THE CREDITOR THAT CLAIMS I OWE THIS DEBT AND THE AMOUNTS ARE INCORRECT THAT THE CREDIT BUREAUS ARE REPORTING THIS IS IN VIOLATION OF MY RIGHTS REPORTING FALSE AND INCORRECT INFORMATION ON MY CREDIT REPORTS WITHOUT MY WRITTEN CONSENT
Consumer complaint received 2022-05-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was a victim of a scam that happened on XX/XX/2021. I got two checks from a person, however he/she said they accidently issued the wrong amount and ask that I transfer the extra money through XXXX. After I did that, it turned out that those two were bad checks and all of my money were gone ( about {$3800.00} ). My account went into negative balance, the bank charged me too for having negative balance and returned checked fees. I went to my local bank to file a XXXX claim and a check claim. After some investigation, they told me the person that scammed me was a member of an XXXX XXXX ( bank of america ) in georgia, but they can not give me any further information due to privacy reasons. At the same time, I also filed a police report but they can not find the person as well. I tried to contact both sides multiple times to see if the bank can share those information directly to the police. However, the bank said they closed my case and I am still not able to get any money back. XXXX department also is not able to give me some money back. My case reported to the police was also placed as suspension due to lack of further information. I called the bank and the police nearly every month since this happened but no one can help me. I tried researching online to see if there are any way for me to get my money. I found a news saying some people that were scammed were able to get their money back. I am wondering if you can help me solve this issue. Thank you.
Consumer complaint received 2019-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I recently applied to a new apartment complex and they pulled my credit. It is showing an eviction against my name. Under the collections section in all 3 credit reports. It is imperative that gets removed and cleared immediately. I never lived at the address associated with that account. This collection specifically is preventing me from moving. I was living with family during the time frame this was added to my profile. 

XXXX XXXX XXXX XXXX XXXX and/or XXXX XXXX XXXX
Consumer complaint received 2022-10-27
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-05-12
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. (VA)

In accordance with the Fair Credit Reporting act : Account Name : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX, 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 an account without my written instructions.
Consumer complaint received 2022-05-12
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX. XXXX XXXX, 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. Please delete this account from my credit report immediately as my rights have been violated.
Consumer complaint received 2022-05-12
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (CO)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, 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
Consumer complaint received 2022-05-12
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, 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
Consumer complaint received 2022-05-12
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, 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
Consumer complaint received 2022-05-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2022 - Applied via https : XXXX XXXX $ XXXX, and get {$500.00} bonus The page did not mention anything related to a promo code I was subsequently approved, However when I ask and confirm with the rep on the phone if I am enrolled, I was subsequently told they do not see such offer on my account. 

What is the discrepancy, if you need a special code, the web page should make it clear.
Consumer complaint received 2022-05-12
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. (VA)

In accordance with the Fair Credit Reporting act : Account Name : US DEPT ED Account Number : XXXX, 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 an account without my written instructions.
Consumer complaint received 2017-08-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

I was notified that my current automatic payment ( matching the amount on my current statement ) has been suspended. The amount due has gone from {$1500.00} to {$12000.00}. They told me that my interest rate was supposed to have adjusted over 2 years ago according to my 2009 modification agreement. I was never notified of any changes. My loan is serviced by Ocwen Loan Servicing LLC.