davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-15
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

I have contacted XXXX multiple times to verify three accounts and they have not sent me supporting information on these accounts that have been bringing down my credit score. I have asked and written multiple times over the last 4 months to submit the verifiable information and I receive " updates '' and " remains '' on credit report. They have not sent in supporting information and continue to report past due amounts monthly on accounts that are past due and closed. This is a violation and they will not submit any information after months of requesting. I made the first request in XXXX and subsequently months after. I have called, written physical mail, emailed and disputed online. I have asked to delete these accounts and they remain on my report. It is hurting my credit and they can not tell me where these accounts came from in the first place. Dates are inaccurate, accounts are fraudulent and it continues to be updated monthly as " past due '' on a collection account. 


XXXX XXXX XXXX OPENED XX/XX/XXXX Collection account PAST DUE AS OF XX/XX/XXXX of {$2500.00} XXXX XXXXXXXX XXXX OPENED XX/XX/XXXX Collection account PAST DUE AS OF XX/XX/XXXX {$2700.00} XXXX Credit Card - OPED XX/XX/XXXX XXXX Account Charge off PAST DUE as of XX/XX/XXXX.
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (NY)

I have spoken with XXXX and td bank a few times for some reason they have 7 XXXX XXXX has one my addresses i never lived there. They both said would be removed from my credit report countless times but neither has done so. I do not live there. I do not get mail there.
Consumer complaint received 2022-08-28
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. (GA)

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 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2019-02-10
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. (NV)

I bought a car in XXXX from XXXX XXXX, in XX/XX/XXXX it was totaled in a accident, and I was rushed to the trauma center. I was in the trauma center at XXXX in XXXX XXXX for my XXXX XXXX from XXXX to XXXX. The car was paid off, through me gap, and my insruance company XXXX XXXX. Payments were made on time, and the account was closed paid as agreed. XXXX sent me a letter stating they were going to update the credit compines, they did then transunion added 30 days late 60 days late 90 days late. I have proof from XXXX stating they reported no days late.
Consumer complaint received 2022-08-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (TX)

Citibank advertised {$700.00} cash bonus for opening a new checking account with {$50000.00} minimum deposit. I opened the account on XXXX XXXX and maintained the balance for 60 days per the terms. It has been over 90 days and Citibank refused to honor the bonus as advertised.
Consumer complaint received 2019-02-07
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Good morning, I am trying to obtain a lien release letter for a vehicle. The vehicle was purchased and paid off approximately 10 years ago by my parents. My mother recently passed away and I am the Executor of her estate. I am trying to assist my father in obtaining the title for this vehicle so everything can be switched to his name. I can not get a title for this vehicle until I provide a lien release letter to the motor vehicle. The loan was originally obtained through the XXXX XXXXXXXX XXXX XXXX. After doing some research, I found out that this company was brought by Capital One. My Dad and I went to a local branch and tried to obtain the lien information in XXXX, but there was no record of it. I came across the FDIC after further research and it was suggested to contact Capital One directly, however I did that already and was unsuccessful.
Consumer complaint received 2022-08-28
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)

XXXX XXXX XXXXXXXX NEGATIVE MONTHS Account info Account number XXXX Date opened XX/XX/2018 Believe I was a victim of the XXXX data breach this information belongs to someone else I've made many attempts to try to resolve this issue and have this fraudulent account removed off my credit reports please assist me in removing this illegal item
Consumer complaint received 2019-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Onity Group Inc. (CA)

Ocwen Loan Servicing, LLC submitted documents in which it claimed it was the beneficiary of the deed of trust # XXXX XXXX and revealed it acquired the servicing of the account from XXXX  XXXX   XXXX. 
Ocwen is not a mortgage lending business which finances or refinances debt secured by an interest in real estate and acquired an account that is what specifically? 
Require Ocwen Loan Servicing, LLC to reveal the " property '' that it had a lien against involving the foreclosure it held in and around XX/XX/XXXX. Specifically state if the " property '' it sold was 1 ) personal property or 2 ) real estate, land and building, immovable property. 
The issue is that the holder of the note named by Ocwen as XXXX   XXXX did not receive a " pay off '' after the purported foreclosure and XXXX is not the beneficiary involved in the deed of trust # XXXX XXXX. 
I would like to point out that : 1 ) FDIC has confirmed that deed of trust # XXXX XXXX was not a part of XXXX XXXX, XXXX. 's asset when it closed its doors in XXXX. 
2 ) XXXX XXXX XXXX admits it has no records of the docs Ocwen presented as being a part of the loan transaction. 
3 ) There is no such acquisition from XXXX XXXX, XXXX. to XXXX  XXXX XXXX a division of XXXX XXXX XXXX  involving an interest in real estate, land and building, immovable property.
Consumer complaint received 2019-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

As of XX/XX/XXXX, this Fraudulent XXXX Account ( XXXX ) REAPPEARS on my credit report after it was removed back in XX/XX/XXXX. I DO NOT have ANY SIGNED accounts with XXXX. I DID NOT sign any accounts with them. Furthermore, EXPERIAN removed the account from my credit report back in XXXX of LAST YEAR after they DID THEIR INVESTIGATION in XX/XX/XXXX. So, again, this is MY FINAL ATTEMPT BEFORE I SUE EXPERIAN because they violated the Fair Credit Reporting Act by NOT notifying me before RE-INSERTING an account they removed almost a year ago.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WI)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation
Consumer complaint received 2022-08-28
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. (CA)

XXXX XXXX XXXX XXXX XXXXXXXX Account status Closed Date opened XX/XX/2018 This is an illegal account I feel I was a victim of the Equifax identity breach please remove this item from my credit the credit bureau 's don't seem to want to help
Consumer complaint received 2019-02-07
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. (TX)

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. XXXX XXXX  XXXX ; XXXX XXXX XXXX  ; XXXX XXXX and XXXX XXXX
Consumer complaint received 2019-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

Attention to cfpb ; A company called XXXX is putting false information on their search seite and refusing to remove the info. I have tried to resolve the issue with the company directly however I am receiving no response and it has been 3 months and this poses as a security issue for me and my family as our personal info. is being exposed. They put my name in these listings XXXX XXXX ; XXXX VA and XXXX XXXX in XXXX XXXX VA. I don't go by this mane nor do I live in any of these places. Also a company XXXX XXXX ; XXXX ; XXXX ; and XXXX ; XXXX ; XXXX and many other like XXXX ; is posting false information in these names XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX also XXXX  ; XXXX ; and many other search seites is being posted like this and I want all these false info. to be removed and also XXXX   posted false divorce records against and refuse to remove the info. also a with hold persuant. to USCIS false odd file control number is circulating on XXXX and on other searches as well in XXXX XXXX XXXX and I requested this to be removed but they denied this request also also XXXX and complaints XXXX falsified slanderous alligations against me that could harm my security and I pose as no threat to no one any I am a legal law abiding US citizen.
Consumer complaint received 2022-08-28
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: EQUIFAX, INC. (CA)

HARD INQUIRIES I DO NOT RECOGNIZE:
-XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-07
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. (TX)

My loan payments were always sent on time. I keep explaining this to Transunion but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX   XXXX and XXXX XXXX
Consumer complaint received 2019-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (GA)

My complaint is with National Credit Systems in XXXX, Georgia. They reach out to me in attempt to collect a debt that I didnt owe. For starters, the letter that they sent arrived practically a month from the date printed on it ( could be that they sent it out late or an issue with the postal service ). I called to let them know that I dont owe them and I paid the Original Creditor in full. They said that they dont know that but on my credit report they have it stated as I paid collection with an incorrect and false date. I never sent a payment to this collections company because I paid the original creditor. Im upset because they reported false information which shouldnt even be shown on my credit report. They are the worst and the customer service is far beyond poor, just check out the reviews on XXXX. How can they even get away with this?
Consumer complaint received 2022-08-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: PENTAGON FEDERAL CREDIT UNION (FL)

I applied for a HELOC on XX/XX/XXXX. Due to the size of my property i was informed i would have to pay for an appraisal. Penfed sent me a link that randomly selected a company. I paid {$580.00} to XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX came out to perform the appraisal. We received the appraisal report on XX/XX/2022. I immediately contacted Penfed and stated DISCRIMINATION and the lady 's report had erroneous statements and values to under value our property in addition to quoting the Fair Housing Act. Penfed sent me a Reconsideration of Valuation ( ROV ) to complete with properties we felt were more comparable. I was informed ROV was sent to the Penfed appraisal team who then sent it back to the same company, XXXX XXXX XXXX. I then stated again that I stated DISCRIMINATION. Penfed then stated they will send it to another company. This other company came back with the same value. This was another red flag. For example, appraisal report stated, " The appraisers calculations use lot sales in the past 24 months ranging from $ XXXX - $ XXXX, which is an error and valued our home at $ XXXX times XXXX acres = $ XXXX ''. However, a lot XXXX acres sold for $ XXXX XX/XX/2022. This property is 0.5 miles from my home. This is why i requested a meeting with the Penfed appraisal team to discuss the following : 1. What properties were used in comparison? I would the percentage provided as well.

2. Were any of the properties used in the ROV? If not, I would like a detailed explanation.

3. What second company was used for the appraisal?

I have not heard anything back from Penfed.i also requested my {$580.00} back from Penfed since they were the ones who introduced a XXXX to provide a valuation on my home. There business practices are flawed and need to be corrected immediately. My paperwork for the Heloc is still not complete.
Consumer complaint received 2023-07-26
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. (TN)

Charge offs are considered income according to the IRS, I never received a 1099c from this company although the debt has been sold to a third party company. Income is forbidden to be on a consumer credit report according to congress 15 ISC 1681-2 ( a ) ( i ) No transactions or experiences are allowed to be on a credit consumer report.
Consumer complaint received 2023-08-15
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: Marlette Funding, LLC (FL)

I am writing to provide additional information and clarify the circumstances surrounding the credit card dispute related to the XXXX XXXX purchase. I recently received a receipt from your bank stating that it serves as proof of delivery for an order made at XXXX XXXX. However, I would like to bring to your attention the inconsistencies and inaccuracies in this receipt, which cast doubt on its validity. 

Firstly, I want to emphasize that I did not place an online order with XXXX XXXX. The receipt provided by your bank indicates that the order was delivered to my address, which is incorrect. This order was, in fact, an in-store pick-up at an XXXX XXXX located in XXXX , Florida. The receipt should reflect this information accurately in order to prevent any further confusion. 

Upon contacting XXXX XXXX directly, I was informed that the order in question was indeed an in-store pick-up, as I had previously stated. The pick-up person was required to present their driver 's license, and the order was under the name of " XXXX. '' It is essential to note that I am not associated with this name or any online XXXX XXXX account. Therefore, the receipt provided by your bank, indicating my personal information and an incorrect telephone number, is misleading and erroneous. 

In addition, the receipt contains conflicting sections. While one part claims to be a proof of delivery, another section states that the number of delivery packages is zero, and the date of delivery is not available. This inconsistency further highlights the unreliability of the receipt as proof of delivery. 

Considering the above discrepancies, I kindly request that you reevaluate the information provided and reconsider the validity of the receipt as proof of delivery. I would appreciate your assistance in resolving this matter promptly and ensuring that my credit card dispute is resolved fairly and accurately. 

Enclosed with this letter are copies of the receipt in question, as well as any other relevant documents or evidence supporting my claim. I trust that these materials will aid in clarifying the situation and support my position regarding the inaccuracies in the receipt. 

I am XXXX XXXX years old and do not shop at XXXX XXXX as I have no need for anything in that store. 

Thank you for your attention to this matter. I look forward to a swift resolution and a favorable outcome. Please do not hesitate to contact me via email if you require any further information or if there are any additional documents that I can provide to assist in the investigation.
Consumer complaint received 2023-08-15
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

Hello good day. 
My problem is that I have been with my coinbase account for several weeks. 
I have contacted them and have updated the contact information, identity card and data on the use of coinbase and it is still restricted, which prevents me from making operations with my wallet. 
I would like you to help me unblock my account and get my money.
Consumer complaint received 2022-08-18
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: EQUIFAX, INC. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2019-02-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Law Offices of Robert J. Colclough, III (CA)

Last week I received 2 letters from the sheriff 's office of LA stating Two judgements put on my house My wages are gon na be garnished For a false deabt collection please you must stop this scam They fraudulently Filed lawsuit Against me without contacting me no letters no one served me they just did it out of the blue I am desolate I'm XXXX  my XXXX   XXXX XXXX, We asked them for debt validation we have not received it to this date we don't even know who these people are scammers thugs consumers need to be aware of this illegitimate companies We have no idea what this debt is at all please help us resolve this matter at once and notify the consumer of this kinds of scams