davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-11
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. (AZ)

I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They were company showing on my report and these report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S. Code 1666b.Timing of payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Consumer complaint received 2018-12-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (AK)

In the beginning I was told I would only pay half around XXXX.every two weeks it would calculate later I took a loan of XXXX. Have payed XXXX. They want XXXX. More payments of XXXX.every two weeks I can't do it it's affecting my ability to pay my other bills.
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Obtained updated copy of my credit report on XX/XX/23 and found the following inconsistencies The " Date Opened '' is also inconsistent across all three bureaus. If all bureaus receive the same information from the creditor, there should be no inconsistencies. 
The date of " Last Payment '' is also inconsistently reported across all three bureaus, This is also a violation. There is a " Balance '' amount listed that is higher than the actual " High Balance '' amount, which is a violation. If an account was previously a credit card, there MUST be a " High Balance '' listed.
Consumer complaint received 2023-04-01
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX  XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$650.00}
Consumer complaint received 2019-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

this bank company is reporting negative, false, misleading wrong information on my credit report, they are reporting fraudulent information on my credit report..on experian they are reporting my account as a mortgage loan that has been charged off, and on XXXX its showing a charged off credit card, and this is far from the truth, this is a deposit account only, this was not a loan nor a credit card, this was a deposit account only, a place were i deposit money only. it appears like this on experian XXXX XXXX XXXX - XXXX and like this as on XXXX. XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

This issue goes back to the Capital One data breach and I am a person that was directly hacked into to stop a payment from a bank account from another person who promised me she would pay me back for the credit card charges. Capital One had already issued the money through and it was stripped from the system some how when the Capital One Data breach had happened. So the person 's bank account was locked up and we never got the payment through. Capital One never acknowledged what had happened about me being directly hacked into and nobody is doing anything about it. The last thing that remember hearing about the Capital One data breach was when Congress started to investigate. Now there is no news on it and it has been more then long enough to find out what to do to correct my credit report. This hacking with the Capital One data breach is running my credit rating. I am underprivileged already. Disabled and going to school online is hard enough already I can tell you that. The data breach occurred around XX/XX/XXXX, the exact time evades me. But this is still haunting me today XX/XX/XXXX for my credit issuance that they never paid me from my inconvenience. The court settlement hasn't settled on my credit rating so what should I do?
Consumer complaint received 2018-12-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

My property sustained damages during Hurricane Irma in XX/XX/XXXX. XXXX   XXXX XXXX XXXX finally paid the claim in XX/XX/XXXX. Ditech received the endorsed check on XX/XX/XXXX, per overnight courier. That check was in the total amount of {$120000.00}. There was a previous amount in the escrow of {$19000.00}. That was paid on XX/XX/XXXX. They sent a check in the amount of {$2100.00}, on XX/XX/XXXX Today XX/XX/XXXX, they have not released any other funds, in spite they have had all the paperwork uploaded to their website as directed. The payment included roof replacement and other repairs to the structure of my property, however, there are payments included that are not related to the repairs of the home, like pack out, move, personal property etc. Those funds should have been disbursed to me immediately as they have nothing to do with the actual repairs, and it is my money that they are floating. It is beyond abusive. It is illegal. 

In the website under my account, the escrow, shows all the deposits, but a XXXX balance. Needless to say, I am very concerned. Ditech came out of Chapter XXXX in XX/XX/XXXX, and was delisted from XXXX on XX/XX/XXXX. I have no protection whatsoever on my money, which they are holding illegally. 

Every time I talk to them the result is the same ... .they take 14 days to process, etc. I am frustrated and angry. I have a perfect payment history with these people. They are not a bank, the mortgage is actually owned by XXXX XXXX, they only service the account and that does not or should not give them the right to hold unto any monies whatsoever. This has to change, as I know I am not the only one in this situation. Perhaps we need a class action law suit!
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have a credit card from XXXX account # XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late twice. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX XXXX and XXXX  with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XXXX of 2020. There was an error on their part. I was never 30 days late.
Consumer complaint received 2018-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of America Ltd. (CA)

I had a debt with XXXX XXXX XXXX that was taken over by Collection Bureau of America. I was unaware of the debt and paid it immediatly upon learning of it from the Collection Bureau of America. This was in XX/XX/XXXX. 

As of XX/XX/XXXX, my debt was still showing open on my credit report, in turn hurting my credit rating and worthiness ( which is ridiculous for {$200.00} debt from 3 years ago ). I called and they said " oh thats a mistake, we will close it now and make sure it is removed ''. Well I find it abolsutely unacceptable that it took three years and me calling to report a paid off account as paid. This is literally people 's lives hanging in the balance. Whether it be for college, a home, a mode of transportation for work, credit worthiness has a direct impact on peoples lives and to make a " mistake '' over so many years that now will take more time to come off my credit is just WRONG. If collection agencies are given the right to have an impact on peoples credit score, they must be almost perfect and not make " mistakes '' that effect people so greatly.
Consumer complaint received 2023-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Do to my understanding someone use my personal information to uptain credit an use to be placed reported false information to uptain credit an fraudulent activity happened with these companies saling my personal information with out my permission with proved correctly information provided by government law illegally reported by government law I was issued one government name not muitplal I requested everything be removed do to identity theft freeze should be placed on my credit report until I fix this illegally activities full disclosure investigation
Consumer complaint received 2018-12-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Services, Inc. (FL)

XXXX XXXX XXXX  XXXX XXXX  fund paid this bill and it has been verified. It should have never went to collections and I never got any notice it was in collections just showed up on my report one day. Please remove and update records.
Consumer complaint received 2018-12-18
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: SYNCHRONY FINANCIAL (CA)

On XX/XX/XXXX, someone used my XXXX XXXX   Visa credit card to make fraudulent purchases at XXXX, XXXX XXXX, Wal-Mart, XXXX . XXXX  XXXX XXXX, XXXX XXXX and XXXX. When this suspicious activity occurred the Credit card company ( Synchrony Bank ) contacted me, I told them the charges were fraudulent so they cancelled the card and sent me a new one.

However after two investigations, the Credit card company said my card was used at these stores and I am still liable for the purchases unless I can come up with new evidence. In my eight year history of owning the card I have never used it except for XXXX XXXX purchases, I also live about thirty miles from where these stores are located and have never shopped there before. 
Despite their " fraud protection policy '', my history with XXXX   XXXX  and them acknowledging these purchases were unusual they refuse to take the charges off my card. I have an XXXX credit score and pay all my credit cards in full each month but Synchrony Bank refuses to take any of this into consideration.
Consumer complaint received 2023-04-01
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. (MD)

XXXX is in violation of 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
XXXX may not disclose nonpublic personal information to a nonaffiliated third parties. XXXX has provided Transunion, XXXX, and XXXX with information without providing me the consumer with disclosure in writing or electronic form or other form permitted by the regulations prescribed under section 6804 of this title. XXXX has not given me the consumer time that such information is initially disclosed, to direct that such information is not disclosed to such a third party. XXXX has also failed to give me the consumer an explanation on how I can exercise that nondisclosure option.
Consumer complaint received 2021-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XXXX I used my Capital One credit card to pay for a travel trip through XXXX XXXX XXXX XXXX XXXX. I paid for the trip in full on XX/XX/XXXX and it was {$3000.00}. The company filed bankruptcy shortly thereafter and I was notified on XX/XX/XXXX that my trip would not be rescheduled. I took steps to get reimbursed through Capital One but they have told me now, twice, that the time limit has expired. I have already sent in a letter with all the requested documents requesting my case be reopened and I be reimbursed, but they are still telling me that I am out of time and they will not help me.
Consumer complaint received 2018-05-18
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)

XXXX XXXX  posted two negative accounts on my credit report for a student loan that I don't know anything about. The first time when their representative called me to pay XXXX for student Loan, she asked me for my birth date. I said I don't have any account with XXXX I never signed any application form for student loan with XXXX. Please, send me the application form that I signed for Student Loan with XXXX. 
The second time, I spoke with XXXX from XXXX. XXXX asked to send my signature to XXXX. I sent the color copy of the first page of my valid passport with my signature, the color copy of my social security Card with my signature and the copy of my driver license with my signature. 
After receiving those copies, XXXX told me they need a more recent copy. I said I do not have recent copy. 

Despite my effort, XXXX is keeping two negative accounts on my credit report. I think It is predatory to mess up the credit report of a customer without verification Thank you, XXXX XXXX
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (NY)

Obtained updated copy of my credit report on XX/XX/23 and found the following inconsistencies The " Date Opened '' is also inconsistent across all three bureaus. If all bureaus receive the same information from the creditor, there should be no inconsistencies. 
The date of " Last Payment '' is also inconsistently reported across all three bureaus, This is also a violation. There is a " Balance '' amount listed that is higher than the actual " High Balance '' amount, which is a violation. If an account was previously a credit card, there MUST be a " High Balance '' listed.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - Account Number : XXXX - XXXX XXXX - Account Number : XXXX - XXXX XXXX XXXX Account Number : XXXX - XXXX XXXX  - Account Number : XXXX - XXXX XXXX  - Account Number : XXXX - XXXX XXXX  - Account Number : XXXX - XXXX XXXX  - Account Number : XXXX - XXXX XXXX - Account Number : XXXX - XXXX XXXX XXXX Account Number : XXXX - XXXX XXXX  - Account Number : XXXX - XXXX XXXX  - Account Number : XXXX - XXXX XXXX  - Account Number : XXXX - XXXX - Account Number : XXXX - XXXX XXXX - Account Number : XXXX - XXXX XXXX  - Account Number : XXXX - XXXX XXXX  - Account Number : XXXX - XXXX XXXX - Account Number : XXXX - XXXX XXXX  - Account Number : XXXX - XXXX - Account Number : XXXX
Consumer complaint received 2018-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Monterey Financial Services LLC (NC)

I spoke with Monterey sometime in XXXX, stated that I could have been a possible victim of identity theft. Later while speak with the gentleman on the phone ; I researched my bankruptcy documents ; and noticed that XXXX and Monterey was listed in my bankruptcy proceedings. I explained to them that this collection was included in my bankruptcy. I also have written proof that it was included in my bankruptcy. The collection account was removed from my account. The following month ; this collection was added back to my credit report. This needs to be permanently removed from my account. The documents attached on page 14-15 clearly show XXXX and Monterey listed.
Consumer complaint received 2018-12-18
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. (FL)

XXXX XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX   FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.

Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 XXXX XXXX XXXX SOC SEC # XXXX DOBXX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2023-04-01
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. (NY)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Balance : {$5700.00} XXXX  XXXX XXXX Balance : {$0.00}