davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-18
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. (NJ)

I dont want my account closed. These banks are ingnoring me. and the credit bureau report anything on your credit report. Im suffering. Im a hard working american I need my credit worthy as I work hard to maintain it. Thiese companies are designed to keep XXXX XX/XX/XXXX down. Its a comspiricy. I can buy a home or get the job I need to care fro my family. I work hard to pay on time. Please work hard for me. Dont shut me down. I cant be left alone.. I filedXX/XX/XXXX ftc. My last resort is to hire a lawyer.XX/XX/XXXXXXXX isnt my accont I explained and they forced me to pay something that wasnt mines. They told me that there's nothing I could do and If i dont pay they will continue to ruin my credit. I found this weird and unethical. Who can help someone when they go through issue like this? 
XXXX XXXX I WAS NEVER EVER LATE ITS REPORTING ONLY ON XX/XX/XXXX AND I DEMAND ON FCRA THAT THEY DELETE LATES ON MY ACCOUNT. I INCLUDED A COPY OF MY REPORT. TRANSUNION IS THE ONLY ONE REMORTING LATE. I NEVER WAS LATE. THIS IS MUST BE UPDATED remove lates from XXXX I was on defeeerent remove late from XX/XX/XXXX they said they woul updtae my credit sevral inquiries and lates due to covid19 someone was trying to get a car in my name. please delet all these inquiries. This is horrible. 

delete these inquires they are not mines. is this legal? Who is here to protect me. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX AF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXXXXXX
Consumer complaint received 2023-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/22 capital closed my account with no far warning after making a payment on my account. Theyre in violation of the securities exchange act. I called numerous times but capital one as willfully been in noncompliance. They have damaged me.
Consumer complaint received 2019-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (KS)

Ive been trying to get a home loan when i went to the place to check my Credit they told me I had a card on my account that was in Collections that it will hurt me from getting a home loan I got a hold of the Collection company Midland Funding and paid off the card which was {$620.00} or so on XX/XX/2019 i was about to close on my house when they denied me the loan saying I had missed payment on the card I call XXXX XXXX XX/XX/2019 to report the card a fraud I know I never took that card out so today on XX/XX/2019 I found out my ex took out that card I never approved it and had no idea she did this Ive been trying to get this debt off my Credit report and XXXXl XXXX or midland funding say they have nothing to do it nor is it there probably they just send me back and forth from them
Consumer complaint received 2018-02-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC (MD)

Ive been called by a local phone # XXXX too many times to count dating back to probably XX/XX/XXXX or XX/XX/XXXX. I answered once in XX/XX/XXXX and drew the conclusion that it was a spam caller and asked them to not call again. Calls started back in XX/XX/XXXX and, after denying the calls several times, I picked up the phone on XX/XX/XXXX to remind them one more time I did not want the calls. During that conversation, the lady proceeded to tell me that she was calling on behalf of Frontline Asset Strategies. She said my husband and I opened up a credit card in XX/XX/XXXX and, because the credit card company didnt receive a payment, the account became delinquent in XX/XX/XXXX. She then said it was charged off in XX/XX/XXXX and sold to XXXX XXXX XXXX XXXX. She claims her company is working for XXXX XXXX in order to collect the debt thats owed in the amount of {$3700.00}. She asked me to pay that debt while on the phone with her and when I told her no, she asked me to call her back. I asked for her # and she gave me a number other than where she was calling from. She gave me XXXX XXXX. She said her name was XXXX. I am reporting this as a debt collection scam because my husband and I never opened up such a card, yet her company continues to call. She called again on XX/XX/XXXX at XXXX and XXXX and then again on XX/XX/XXXX at XXXX. This caller needs to be investigated and prosecuted.
Consumer complaint received 2023-03-17
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. (CA)

Hello 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. XXXX XXXX XXXX  account XXXX XXXX XXXX XXXXXXXX XXXX I have my XXXX XXXX  I paid them ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX account 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 stays 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. 15u.s.c 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

DOCUMENTS or FILES ATTACHED XX/XX/2022, EXPERIAN, I disputed two address that belong to separate account. Refer yourself to complaint number XXXX and compliant number XXXX. 

Both company responses or [ Descriptions of Non-Monetary Relief ] state the address and accounts are not showing on my credit report. It also states that I will receive my credit report within 10 business days from the date XX/XX/2022. I have not received my updated credit report showing the removal of both accounts and addresses. 

The accounts and addresses are still showing on my online credit report. My REPORT NUMBER IS IN THE FILE ATTACHED
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In XXXX and XXXX of 2020, I disputed several collection items, XXXX  XXXX  Account # XXXX for {$75.00} and XXXX  XXXX- Account # XXXX for {$230.00}, with TransUnion and XXXX  . as of today, XXXX XXXX, 2020, I have not received any response from either of the 2 bureaus. Also In the Dispute letter I included the proper documentation to have the investigation started I also sent a 30-day non-response dispute letter to both bureaus XXXX of 2020 and I have not received any contact back about my dispute. I'm contacting the CFPB to help me with this issue to remove these Unverified collection items because of the Fair Credit Reporting Act that states 30 days of no investigation response and the item should have been deleted or verified. thanks
Consumer complaint received 2023-03-17
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. (CA)

Experian is reporting accounts I'm not aware of and don't own there's 2 collection accounts I ask for them to send me the original contract bonding me and the company together saying I owe debt and they have not produce proof so I want it removed immediately
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX XXXX can now respond to the letter that I'm have attached for your viewing. 
Here is the timeline of how I have been trying to get in touch with XXXX XXXX I sent a letter via fax to the number XXXX. On XX/XX/2020. I waited a couple of days and try serval time to reach here by phone. To make sure the fax has received no answer there the phone line kept asking for an extension which was not provided! 
On XX/XX/2020. I called Khols Corporate office at ( XXXX ) XXXX. The operator gave me her at XXXXStill with no Acknowledgement so now here 's my second attempt to get in contact with her through the CFPB. 

I have attached my response letter at the bottom of that email is four-way XXXX XXXX can get in touch with me! 

Thank you for your time XXXX XXXX Happy Holidays
Consumer complaint received 2020-02-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Dyck-O'Neal, Inc. (NJ)

2 accounts showed up out of nowhere on my 3 credit reports from a company called Dyck O'Neal.  Acct. # XXXX & Acct. # XXXX, claiming I have a contract agreement with them on a debt that is in another persons name. I wrote XXXX validation letters to the company requesting complete validation as defined by the FDCPA. in over 15 months of going back and forth trying to get validation from them unsuccessfully But they have been continuing to report to the three CRA that accounts are accurate without properly validation and investigation and telling the 3 bureau 's everything accurate and verified without submitting the Bureau 's any documentation also. 

Lastly they are mis representing there entity to the credit bureaus claiming to be a creditor of mines with terms and and contractual agreement with me when they are in fact a collection company and not reporting it as such to the Credit Bureau which is false reporting. They continually report on a monthly basis to the bureau 's as me being late for the last 15+ months but never validated or produce any documents stating as such or according to the way proper debt validation is define by Federal Law. 

When I try to get ahold of the company through the address on my credit reports I'm told by the U.S.  Postal Service that the company doesn't even reside at the address that they are reported on my Credit Reports this Company is i violations of the FDCPA Section 809 ( b ) - continuing to pursue collection ativity on a unvalidated accounts after being informed Ac15 U.S.C. 1681s-2 - Falsely reporting information to the credit bureaus FCRA Section 623 - failure to notify Credit agency of the month/year of the date of thefirst delinquency
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MO)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report from XX/XX/XXXX, Experian, and XX/XX/XXXX. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. I am also trying to get my credit in order because I want to buy a house and move away from my current living condition.
Consumer complaint received 2021-04-18
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. (NY)

XXXX XXXX XXXX and XXXX XXXX are not my acount and have been reporting over 7 years. I never had these accounts. My parents passed away during this time and i wasnt working. How could I get a credit card? I reported ove 100 ftc reports the.banks are ignoring me. This is against my fair rights. They are threatening me. They both said my credit will continue to me ruined until I pay them. Its not there problem This account was closed on XX/XX/XXXX XXXX XXXX Last reported XX/XX/XXXX {$820.00} Reported balance Credit limit {$500.00} You're using 165 % of your account 's limit OVERVIEW Credit limit {$500.00} Minimum monthly payment {$0.00} Opened PAYMENT HISTORY Last payment XX/XX/XXXX Payment status -- Amount past due {$820.00} Worst payment status No Info This account was closed on XX/XX/XXXX XXXX  XXXX XXXX Last reported XX/XX/XXXX {$930.00} Reported balance Credit limit {$700.00} You're using 134 % of your account 's limit OVERVIEW Credit limit {$700.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX XXXX XXXX yrs, XXXX mos ) PAYMENT HISTORY Last payment XX/XX/XXXX Payment status -- Amount past due {$930.00} Worst payment status No Info ACCOUNT DETAILS Account status Closed Type Credit card Responsibility Individual Remarks Charged off as bad debt Canceled by credit grantor  XXXX XX/XX/XXXX days late XXXX Closed XX/XX/XXXX CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2021-04-18
Product: Credit reporting, credit repair services, 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: Transcontinental Credit & Collection Corp (TX)

I was unable to get phone support with XXXX and XXXX and I was told there is fraud issues and I need to submit everything in writing which I dont have time for and I would like to gain access to phone support and Im also unable to dispute anything online Im getting a error message from XXXX and I need to have this fix thank you
Consumer complaint received 2021-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (LA)

I have had a Sams XXXX financed by Synvhrony Bank for well over 10 years now. My statement due XX/XX/2021 includes a {$94.00} late fee for a total minimum payment of {$230.00}. Through research, it was determined that Synchrony received the payment by the due date of XX/XX/2021 but failed to process the payment before the due date. This was confirmed by Georgia, a customer service representative on the morning of XX/XX/2021. A new minimum amount due of {$100.00} was agreed upon at that time and was immediately paid online on XX/XX/2021. Once again, Synchrony failed to process a payment ( this time paid online ) until AFTER the due date and my current bill XXXX due XX/XX/2021 ) shows ANOTHER late fee of {$28.00}. They are clearly trying to scam people into giving them more free money as if the bailouts of XXXX werent enough.
Consumer complaint received 2020-12-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (CA)

Step 1 : What is this complaint about? 
This complaint consists of my inability to get my property refinanced with Freedom Mortgage. I have had a mortgage with Freedom Mortgage for almost two years with an interest rate of 4.25. Recently I applied with them to refinance my home. For the last 3 months they have been giving me the run around. The latest thing they have told me is I don't qualify because of a item that shows from XXXXXXXX XXXX. XXXX has told me that this item was discharged 10 years ago. I am seeing my neighbors, who are white getting refinances and home loans who have bankruptcies and foreclosures on their credit report. This leads me to conclude I am being discriminated due to the color of my skin. ( I happen to be XXXX. ) Step 2 : What type of problem are you having? 

Read above Step 3 : What happened? 

Read above Step 4 : What company is this complaint about? 

Freedom mortgage Step 5 : Who are the people involved? 

Mortgages at Freedom Mortgage
Consumer complaint received 2024-03-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: ALLY FINANCIAL INC. (CA)

Ally Bank has frozen my online profile. I received a large payroll deposit from my employer, XXXX for a commission check. I made several attempts to move my commission XXXX  XXXX from my Ally savings account to my XXXX brokerage ; first via ach ( since thats free, but ally rejected it ), then by wire twice. The first wire was returned and a fee charged. The second wire went through but I have been locked out of my ally account ever since. 

I called them and provided tons of answers to their questions on XXXX  XX/XX/XXXX. I was given no detail about why the account was frozen, despite asking multiple times. They rushed to get me off the phone and assured me fraud prevention will review it and contact me via email. No timeline was given. 


These accounts are where I do all of my primary banking. My pay checks are deposited here ; my bills are paid here. I have a significant saving account as well, and I now have no access to any of my funds because I moved XXXX  XXXX out of this bank. This feels very unethical and like a penalty for taking a large deposit away.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

15 USC 1681 im in the process of buying a house and this credit report is defamation to my character and livelihood for this credit report be inaccurate. i noticed unauthorized inquiries on my credit report that i would like removed. According to the FCRA, these unverified and unauthorized items must be removed. 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 XXXXXXXX, TN child sup has incorrect information on my credit report that also is causing damage to my livelihood. I've been denied careers and business opportunity due to inaccurate credit reports.
Consumer complaint received 2023-07-06
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: GOLDEN 1 CREDIT UNION, THE (CA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights.

15 USC 1681 Section 602 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

A dispute was sent to Equifax regarding an alleged XXXXXXXX XXXX charge off account XXXX. Equifax did not verify and update the account as " disputed '' on my credit report. 

This is a violation of the FCRA [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. Delete the inaccurate information immediately.
Consumer complaint received 2020-12-22
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. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE CRIMINAL COMPLAINTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2023-03-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (TX)

XXXX XXXX University sent me a student federal financial aid stipend in the form of a check that was over XXXX XXXX dollars and that check never made it to me. When I notified XXXX XXXX XXXX, I was told I was on my own, even after I made a police report, and filed a ton of complaints due to the identity theft, fraud, and forgery. I have repeatedly tried to ask the school to do the right thing, report the fraud, and reissue the check, and I've even asked Aidvantage to discharge the loan amount that never made it to me. No one wants to help me, and it's not right I pay back a loan that never made it to me that was sent by XXXX XXXX XXXX. Aidvatage Fraud Department told me that XXXX XXXX University needed to report the fraud since they were the issuer, however the XXXX refused to do so. The detective in Texas XXXX  said he can't do anything because the XXXX told him they couldn't determine a victim which is absurd. The individual who did this has pending charges for all the things she has done to people, which is in XXXX XXXX, Texas at the XXXX XXXX. I am awaiting the DA to contact me so that I can send him all this proof I have so that they can add to their evidence for prosecution. All I ask is for my loan servicer cancel the portion that was stolen, or for XXXX XXXX University to reissue the check. No one seems to want to do anything about it and I have been chasing my tail for a month.