davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Im questioning the accuracy and fairness of credit reporting for this Capital One account. I received an email to log in to the account but theres no transaction history available. Capital One has furnished late payments to the consumer reporting agencies but there is no proof of any late payments. 

According to 15 U.S. Code 1666b ( a ) 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. 

The current unpaid balance is an overpaid credit due to the consumer as specified in XXXX5 U.S. Code 1666d.
Consumer complaint received 2022-08-26
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am writing to request the removal of unauthorized credit inquiry/inquiries on my XXXX credit report. My latest credit report credit inquiry/inquiries that I did not authorize.
Consumer complaint received 2022-02-24
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)

Hello, Please help me. After years of waiting on XXXX to remove an incorrect 30 day late I am growing frustrated and XXXX 'S lack of knowledge and care about correcting a wrong delinquent charge is stressing me out and it is their responsibility to adjust this and yet I have been waiting years with no results promised to me. 

Covid has hit and I have been unable to reach proper departments and I have sent letters and spoken to agents in the past who have assured me that an error on the part of the merchant would be corrected after I provided proof of that letter to XXXX. The 30-Day late REMAINS on my credit report, which also affects my nephew who is a JOINT holder on this account. 

XXXX is being extremely lazy and irresponsible, they are ignoring my multiple requests for correction and ruining 2 separate humans beings ' credit reports. I have perfect credit and always have, this is absolutely torturing me and no one at this company does what they say. 

I will sue very soon because they had 30 days to correct this, I was told by multiple agents the change would be done within the end of the month years ago and it is still there! 

Please, pull my phone calls, check the email communications between myself, my nephew and XXXX and retrieve the letter from XXXX XXXX XXXX which takes full responsibility for incorrectly charging another clients services on my credit card on file and my account because those clients had the same last name as me. I was not there, I was not aware and this is absolutely unfair on my credit report. I have spoken to multiple people and so has my nephew and nothing has changed! Because I never charged anything or authorized any charges this payment went unseen until my credit report tanked and so did my nephews, yet it was not our fault. 

FORCE XXXX TO DO THEIR JOB, PLEASE!
Consumer complaint received 2023-06-16
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. (AR)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-08
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

this company emailed me about a payment and application for an apartment i never applied for i have a fraud alert o my credit all application should have a copy of my a ss card and driver info the a copy which they do not have also i ask to send a copy showing where i paid with my name they did because i didn't pay this was done online and not by me my info was stolen years ago i have a home and i have there for over 23 years
Consumer complaint received 2022-08-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Gurstel Law Firm, P.C. (CA)

XX/XX/XXXX, I receive letter from Gurstel Law Firm indicating I have a judgment from XXXX XXXX, XXXX. I've never heard of either company. Owing {$21000.00} + {$7000.00} in interest, as of XX/XX/XXXX. I called several times to be finally told that this was a collection from XXXX. No other information was provided, not when the account was opened or closed. Whether there were previous attempts to contact me or collect this debt, previous addresses, phone numbers for these attempts, nor when the law firm actually received this claim and what documents supported their action to contact me. The information they have is incorrect. They use a name ; I have never used in a public forum. The date of the debt is incorrect. The fact that I have done business with them is correct. The law firm says this is a co-debt, but I was not given this information. I filed bankruptcy over 20 years ago ( XXXX ) with my husband. This letter states since XXXX. These last 20 years after filing have been difficult to establish any credit or loans of any kind. I couldn't even get a bank account. I've been in a homeless shelter the last 4 years. I literally have a credit history of 2 years as of today. I only have a cell phone, a car, and I just got into an apartment in my name after not being qualified after ALL these years. This firm was rude and a little scary. To think I could lose everything again, just by getting my paycheck garnished or having to fight in court after just getting everything back on track. This is threatening and unethical for a business to actively deny me information I need to try to defend myself on a debt they insist on collecting that does not belong to me. Again, here are the companies : XXXX, Gurstel Law Firm and XXXX XXXX, XXXX
Consumer complaint received 2022-02-24
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)

I HAVE NEW UPDATED INFORMATION!!!!!!! 
I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF EQUIFAX NEEDS MY AUTHORIZATION TO PROCEED, THEN EQUIFAX HAVE MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. 
I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, filed a complaint about EQUIFAX on XX/XX/2022. In your CFPB response to complaint XXXX and XXXX, you stated that you needed more time to investigate these violations that have taken place. This is very confusing to me because, had a reasonable investigation taken place, you should have on file the items you say was verified and the items I requested in my previous letter. Due to this information not being presented and you needing more time to investigate, it is my belief that you disregarded my right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ) with your unfair reporting of this erroneous information without first consulting with me, the consumer in which the report relates. You have no proof that this transaction even took place. You have not insured that you exercised your grave responsibility to be impartial by infringing upon my rights to privacy by having a conversation about me to a third party and parroting the information given to you by this third party without my written instruction to do so. I am demanding that this item be removed as soon as possible. Pursuan to 15 USC 1681 ( b ), you didn't meet the needs of commerce because this was not fair and equitable to me regarding confidentiality, accuracy, and proper utilization of this information. As a consumer reporting agency, as defined under 15 USC 1681 ( f ), assembling consumer credit information for monetary fees for the purpose of furnishing consumer reports to third parties, it is your duty to adopt reasonable procedures for meeting the needs of commerce. Unfair credit reporting undermines the public confidence which congress has made clear, is essential to the continued functioning of the banking system.

Pursuant to 15 USC 1681a ( d ) 2, a consumer report should not include any of the following : ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

As defined by congress in 15 USC 1602 ( L ), the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services. A transaction was authorized by my credit card. Anytime my social security card, the real credit card, is used, that account shall be excluded from my consumer report.
Consumer complaint received 2022-08-26
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: NCB Management Services Inc. (TX)

I keep getting fraud calls, but today, a company listed as NCB MGT Srv INC on my caller ID called 2 times. Please see attached screenshots of the calls. I asked this person what the call was about and the female refused to answer what services they provide, refused to tell me her name, & refused to provide a web address, and asked to put me on hold, so I hung up. I XXXX searched NCB MGT Srv INC and found a web address as XXXX XXXX XXXX & called customer service # XXXX & spoke with XXXX on a recorded line as it is introduced as being a recorded line. I asked if she had my phone number in her files & what the company was about, I provided my current phone # and was advised I have no files that pulled up. Advised XXXX I would file a consumer complaint, as I received calls that introduces their company name. Please see attached photos of the phone numbers of the companies. Not sure if the caller from # XXXX is impersonating a lawyer, etc as this person did not want to identify herself. 
Thank you.
Consumer complaint received 2022-04-14
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)

accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX 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 # XXXX
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this items for me to ensure accuracy. 
There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Equifax, XXXX and XXXX
Consumer complaint received 2022-02-24
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. (IL)

I noticed unauthorized inquiries on my credit report. Someone else must have applied in my name and according to the Fair Credit Reporting Act these unverified & unauthorized inquiries must be removed immediately. 

XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 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 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX  XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX
Consumer complaint received 2022-04-14
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)

accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX 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 # XXXX
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (OH)

My mortgage company Union Pacific Mortgage closed their doors abruptly. They turned over payment history to XXXX. I paid Union Pacific Mortgage through their company all the way to XXXX. Then started making payments to Mr. Cooper/ Nation Star in XXXX. I was never behind on my payments. Due to reporting only until XXXX and I making my payments through XXXX, Nation Star reported me as delinquent and I wasn't. 

When I contacted them about the discrepancy, they told me because I was in Bankruptcy my payments are posting late. They told me I wasn't behind it was my bankruptcy. Then they reported me 90 days due when I was not past due. Not only did I have to pay three mortgages I already paid to keep my house over their errors, they are reporting me as derogative on my credit report now XXXX XXXX XXXXXXXX. I haven't been with this company since before the pandemic started in XXXX 

On top of that, Mr.Cooper/Nation Star is listing my debt as discharged due to bankruptcy on XXXX. My home loan was never in the bankruptcy.
Consumer complaint received 2022-08-26
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. (NC)

I just received a copy of my credit report and noticed some Hard Inquiries that I do not recognize. Here are the Hard Inquiries below. 


XXXX XXXX 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 EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Dear Equifax, You are furnishing inaccurate personal information on my consumer report. Please see attatched dispute and only keep the correct address I give you, as I will also attatch a copy of my drivers licsense so there will be no confusion. Also when you delete the inaccurate address I would like a copy of my consumer report reflecting those changes with my correct address.
Consumer complaint received 2022-08-26
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: Bread Financial Holdings, Inc. (MI)

In accordance with the fair credit Reporting act XXXX  Account # XXXX, 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 a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-02-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (CA)

I refinanced a multi-dwelling property loan and after closing the transaction I noticed the property address was missing part of the address. I have been calling the mortgage company over 3 years requesting the address to be corrected or updated with no avail. I even submitted lots of legal documents such as property tax bill showing the full property address and they refused to update it saying I need a 911 form GIS no one in this mortgage NewRez servicing loan company can show me what kind of form that is to provide it. XXXX XXXX Sheriff Dept does not know what form it is, XXXX XXXX County assessors office does not know either. I am EXTREMELY exhausted dont know how to legally resolve this.
Consumer complaint received 2016-09-21
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (PA)

I request a finance quote on the around XX/XX/XXXX, and they gave me one quote on XX/XX/XXXX, that quote as expired, and I needed another one to be send in, and they told me, the system is down and do n't know when it will be up, and running. I told them I needed it by tomorrow, and they keep telling me they do n't know when, the system will be up and running, it can be any time. But if I do n't get it by Friday. It is going to cost me money I do n't have, and a lots of grief, I do n't want.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MD)

I have tried to obtain my credit report, score, and security freeze from Clarity for over three months after I was denied credit due to information from Clarity. I have called Clarity numerous times, used their online request form, and faxed them my identification documents including social security card and drivers license. When I called in XXXX, I was told my picture and license number could be obscured for privacy. After spending money to fax them my documents on XX/XX/XXXX, I did not hear from Clarity for over a week, so was forced to call them again to check the status of my request. On this call, contrary to what the first representative had told me, they now claim license can not be obscured at all. They told me I would have to spend more time and money to fax or mail everything again. Clarity appears to be deliberately undermining my ability to access my own credit file by changing policy and increasing the burden of time, money and effort required to obtain my report. I have never encountered this many obstacles to obtaining my own credit report from any other credit reporting agency, including Clarity 's parent company XXXX. I request access to my credit report, score, security freeze, and online access to my account immediately without further burden of time, money, and effort.
Consumer complaint received 2022-08-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TEXAS CAPITAL BANCSHARES, INC. (TN)

I utilize a high yield online savings account with XXXXXXXX XXXX XXXX XXXXXXXX, Texas ( division of Texas Capital Bank, N.A. ). I've been blocked from accessing funds in my account for several days without explanation. 

First, I attempted to transfer funds electronically from XXXX to a linked XXXX XXXX account in my name, and noticed the request was placed 'on hold ' for an unspecified reason. 

Next, I attempted to log onto my XXXX account and received an error message that my account was disabled. 

After repeated calls to the company ( which involve 40 minute wait times to speak to a representative ) I was told that the fraud team was reviewing my account for unspecified reasons and had frozen it to prevent unauthorized transactions. Pressing for more specifics, I was told by customer support that they don't know the reason. 

Asking to speak to a supervisor to obtain the specific reason that fraud is suspected, and a justification for my account being frozen, I was told they were unavailable and must wait for a callback. 

I have still not received a single communication from XXXX to explain why my account has been disabled. The value of this account is approximately {$240000.00} USD.
Consumer complaint received 2022-08-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: SYNCHRONY FINANCIAL (IL)

Initiated a wire transfer Wednesday afternoon XX/XX/24. Was told wire transfers are behind and allow XXXX XXXX hrs. Now nearly XXXX hours and no transfer and now being told this may take till the XXXX. Whats th epoint of a wire transfer?? Could have done a regular transfer and it would alreday be in my account.
Consumer complaint received 2022-08-26
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. (AL)

In accordance with the Fair Credit Reporting act The XXXX XXXX XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 U.S.C 1668B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose