davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (OH)

I would like to request a security freeze placed on my XXXX XXXX XXXX. I choose to opt-out of your disclosing future information until further notice including the and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXXXXXX XXXX XXXX My address is XXXX XXXX XXXX XXXX OH XXXX. MY EMPLOYER IS XXXX XXXXXXXX XXXX. 
I have addresses on my credit report that do not belong to me please delete the the following : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX The following numbers are not my please delete them ( 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 2023-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

The Credit Bureaus stated that my XXXX account was properly investigated, but how is that possible if the Account number is inaccurate, the High Balance is inaccurate, the Last verified date is inaccurate, Date Reported is inaccurate, the Date Opened is inaccurate, the Closed Date is inaccurate, the Creditor Type is inaccurate, the Creditor Remarks are inaccurate, the Account Type is inaccurate, the Credit Limit is inaccurate, and the Date of Last activity is not accurate, each of these are a SEPARATE VIOLATION. They also unlawfully reported my payment history in these months and years XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX each of these dates is a SEPARATE VIOLATION. Because of the multiple inaccuracies on my credit profile which have negatively impacted my credit I have been unable to find housing for myself and my child! This is grounds for removal. They also violated my rights under 15 U.S.C 1681 section 602 A.

States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-02-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX {$4900.00} XXXX XXXX XXXX XXXX {$850.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

i recently reviewed my credit report and i seen there was a account that i did not apply for or authorized which violates my consumer rights under 15 USC 1861b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquires ; except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer and i want this off my report immediately because it has a negative impact on my report
Consumer complaint received 2019-06-25
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)

Inquiries are consistently popping up on my report. I have turned in FTC reports, police reports, etc to prove the accounts and inquiries are fraud/from identity theft. The accounts were removed but not the inquiries. They removed them and now they are back. I just want them to be removed as I haven't applied for anything.
Consumer complaint received 2019-06-26
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: Experian Information Solutions Inc. (MO)

Please remove the following fraudulent inquiries appearing on my credit file. These inquires are unknown to me and should be considered as fraudulent. Remove these unauthorized inquires immediately. 

XXXX ) XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX )
Consumer complaint received 2019-06-26
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. (CA)

This issue is an existing problem which XXXX and XXXX, Transunion wasn't able to resolve.. The student loan was reported on my credit report..Based on my research, all government funded loans are not supposedly be reported on a credit report. This is a clear violation of the FCRA ..Credit Bureaus could not give me concrete explanation as to why they wont delete it..Please step up CFPB and delete. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX
Consumer complaint received 2023-04-10
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: Experian Information Solutions Inc. (TX)

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 Balance : {$9700.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX Balance : {$570.00} XXXX XXXX Balance : {$3900.00}
Consumer complaint received 2023-04-28
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: CCF Intermediate Holdings LLC (AL)

On XXXX I received an email fro XXXX XXXX stating to visit the store before my loan can be approved. I was at work at this time and had no knowledge of it. I called at XXXX XXXX on XX/XX/XXXX and XXXX XXXX who then advised me to call law enforcement to report it as fraud. I called XXXX XXXX  again and XXXX XXXX who advise me to send her my police report via the email she sent attached with all requirements on XX/XX/XXXX. I received my police report XXXX because it was a corrected one from XX/XX/XXXX that wasn't filled out correctly. On XXXX I called XXXX XXXX and XXXX XXXX and she stated she will send me a relief letter in the mail in 7-10 business days but allow 60 days to be removed from my credit report. I waited until XXXX and called XXXX and XXXX XXXX. She advised me that she see the request to remove the inquiry and to allow 30 days and game me XXXX as a confirmation number. I checked my report on XX/XX/XXXX and the inquiry is still there. I called XXXX at XXXX and XXXX XXXX which told me she see the notes for the inquiry to be deleted but it still show on my credit. Now she tells me she don't see the info that XXXX XXXX sent to them for it to be deleted. I asked for a supervisor and XXXX XXXXXXXX. He advised me that XXXXXXXX XXXX reported again in XXXX and readded admission of inquiry therefore its still on my credit. I have all of the paperwork even the letter from XXXX XXXX. I just want this removed from my credit file. I can prove I was at work and no computer access to even file online.
Consumer complaint received 2023-04-10
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. (AR)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$640.00} ; XXXX  XXXX Balance Owed : {$2200.00} ; XXXX XXXX XXXX Balance Owed : {$4800.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XXXX Balance XXXX : {$2500.00} ; XXXX XXXX Balance Owed : {$3400.00} ; XXXX XXXX XXXX Balance Owed : {$4900.00} ; XXXX  XXXX Balance Owed : {$2200.00} ; XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX XXXX Balance Owed : {$4800.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$44000.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$790.00} XXXX XXXX XXXX Balance Owed : {$6300.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Consumer complaint received 2018-06-19
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: AFNI INC. (NH)

AFNI has been harassing me for years at not only my home but my FORMER EMPLOYEE as well. I have disputed the bill several times because of the fact I was not suppose to be responsible for the debt as it was an agreement with my former employer that he would pay the past due balance of {$890.00} which was accrued as a result of WORK. Despite me calling and sending the info in they are continuing to harass me and Ive not only asked them to stop but Ive changed my number only for them to call my former employer ( the one who agreed to pay that bill originally as it wasnt mine, but is refusing too now )
Consumer complaint received 2019-06-26
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. (CA)

XXXX IS REPORTING INCORRECT INFORMATION. I DISPUTED THE ERROR BUT THEY FAILED TO CORRECT THE ERROR. 



RE : ACCOUNT # XXXX XXXX   XXXX Joint Installment Loan {$7600.00} Date of Loan : XX/XX/XXXX, Charge-off To XXXX, The Fair Credit Reporting Act provides protection against the misuse and misreporting of your credit information. When creditors, collectors, or credit reporting agencies violate the provisions of the FCRA, consumers have the right to force alleged creditors to report accurate information. The FCRA governs the behavior of consumer reporting agencies. 
XXXX IS IN VIOLATION OF THE FCRA. 
VIOLATION : Furnishing and Reporting Inaccurate Information The above referenced loan is being reported inaccurately and needs to be removed immediately or I will take legal action to enforce my rights. 

In order to report this account the CRAs, must provide proof this is a valid debt and a the money is owed as alleged. Please see the California laws regarding loans. 

California Commercial Code Section 3303 ( b ) Citing UCC 3-303 ( b ) ( specifically, California Commercial Code Section 3303 ( b ) ) the Court of Appeal held that negotiable instruments, including a promissory note, are subject to the defense of lack of consideration OR proceeds. Consideration is defined as " any consideration sufficient to support a simple contract. '' Lacking Consideration Is Not Enforceable XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX California Court of Appeal,  XXXX XXXX XXXX XXXX ALL LOANS REQUIRE CONSIDERATION ( PROCEEDS ) TO BE LEGAL I have requested you to provide proof of the consideration for this alleged loan/debt. I have asked you to provide the proceeds check or disbursement check for this alleged loan of XX/XX/XXXX. Show me where you paid me the funds you are alleging I now owe. Under California state law as well as under the FCRA you must provide proof of this in order to furnish this information to the CRAs or you MUST delete this information.
Consumer complaint received 2020-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (WI)

Payment issues with PHH mortgage. There stating were months behind and I have proof that payments have been made. I believe they have not applied payment appropriately and they are and have been giving us the run around now they have disabled my online account and Im unable to see my account and payment history. Also they will not let me make a payment on my loan. We have been told and emailed so many lies that I am wanting to pursue a lawsuit. I would not recommend this company to anyone Ive gone thru sleepless nights and medical issues related to all this besides our credit. They will not hear the end of me until they get what they deserve another lawsuit
Consumer complaint received 2023-08-15
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 (AZ)

This particular issue has not yet been brought to the attention of the Consumer Financial Protection Bureau ( CFPB ). Unlike my prior attempts, which were swiftly concluded with the inaccurate assertion that " The CFPB has dismissed this complaint due to its prior handling of your grievances regarding this matter, '' it's essential to clarify that this is an entirely novel concern necessitating resolution. It is evident that this issue is distinct from any previous problems and warrants a thorough and separate examination. Your prompt and accurate attention to this new matter is greatly appreciated. 

Capital One 's decision to close all four of my credit card accounts was based on the occurrence of returned payments on three out of the four accounts. I promptly rectified the situation on my own, addressing the issue without delay. It is important to emphasize that prior to this incident, I had maintained a flawless payment history and had never missed a payment. Despite these facts, I find it perplexing that Capital One has taken such drastic measures without providing any form of communication, whether through phone calls, emails, or notifications. 

In my interaction with a customer service representative, I was informed that there seemed to be no avenue for recourse in this matter. I was advised to direct my concerns to the general correspondence department, an action I have already taken. Regrettably, even after following the prescribed course of action, I have not received any acknowledgment or response from Capital One. 

Given these circumstances, I implore Capital One to reevaluate its stance on this issue. It is evident that my immediate correction of the returned payments demonstrates my commitment to responsible financial management. I am left feeling both perplexed and unsupported due to the lack of communication and avenues for resolution. I respectfully request a comprehensive review of this situation and a timely response to rectify this matter. Your prompt attention to this issue would greatly alleviate my concerns and help restore my confidence in Capital One 's customer service.
Consumer complaint received 2019-06-25
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: Diversified Consultants, Inc. (MD)

I have a collection account listed on my credit reports by a collection agency, Diversified Consultants, collecting on behalf of XXXX. Diversified Consultants is NOT licensed to collect in the state of Maryland and therefore I am disputing this collection account. 

Amount : {$2200.00}
Consumer complaint received 2022-09-05
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. (NY)

ON XXXX XXXX I sent in a request to get some unknown Inquires off my credit report with Equifax . I have sent them the identity theft report showing the inquiries that I have no knowledge of they sent me a response on XX/XX/XXXX saying accurate when XXXX and XXXX removed the same Inquiries. here are the list of them XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX 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 2019-06-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

To whom it may concern, I have paid XXXX XXXX ( through comenity bank ) on time every month. There were always strange changes on their statements that I didn't question because I had the intention of paying the balance in full prior to my XXXX statement. As an example ; " the balance subject to interest rate '' changed sometimes ( There was only 1 purchase on this account ). I was told upon opening this account that I would be allotted 6 months from my first statement to pay the balance off. That would be my XXXX statement ( which is still not generated online ). The first statement was dated XX/XX/XXXX, and states " XXXX XXXX XXXX '' meanwhile I actually bought the item in XXXX XXXX XXXX. I've never been to XXXX XXXX so I may even be due back money seeing as XXXX Lempira is equivalent to XXXX of US dollars. I'm not sure why this purchase actually shows as coming from XXXX XXXX. Possibly to benefit the business ( Just an assumption ) seeing as there is a major currency difference. Additionally I logged in to my online account today. XX/XX/XXXX between XXXX and XXXX and selected the option to pay " Total balance due '' and issued a payment of {$630.00} USD which should have cleared all balances on my account. I called this evening to close this account as I didn't want this company on my credit report any longer, and was told that the company showed I had interest charges exceeding {$100.00}. ( These charges are not accurate, and they were posted to my account after I paid off my balance in full ), Mysteriously they appeared thereafter the final payment was put through. I would like this to be looked into please seeing as I haven't even received a bill for XXXX as of yet, and I additionally selected the option earlier today to pay this balance in full. Approximately 4hrs later I'm being informed of additional fees after attempting to close the account, meanwhile this afternoon the website showed a {$0.00} balance. This seems extremely unprofessional, and somehow fraudulent. 

Please let me know if any additional information is needed from me, Thank you for your time looking into this discrepancy, XXXX XXXX XXXX
Consumer complaint received 2019-06-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

Ive ask Wells Fargo to take XXXX every two weeks out of my pay check. They always get the first payment correct then 2 weeks later they only withdraw XXXX. This is not what I asked for 2 months in a row. Both times the said they would fix problems.
Consumer complaint received 2019-06-25
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: S&S Physician Services, Inc. (TX)

ftc violaton reporting debt that is not mine sent police reports decades ago Alert Type New Collection Processed Date XX/XX/2019 Original Amount XXXX Balance Amount XXXX Creditor Name XXXX XXXX XXXX Date Reported XX/XX/2019 Address XXXX XXXX XXXX, XXXX XXXX, TX, XXXX New Collection A new collection has appeared on your credit report. Here are the details of this inquiry : Date Reported : XX/XX/2019 Alert Type New Collection Processed Date XX/XX/2019 Original Amount XXXX Balance Amount XXXX Creditor Name XXXX XXXX  Date Reported XX/XX/2019 Address XXXX XXXX XXXX, XXXX, MA, XXXX Here are the details of this inquiry : Date Reported : XX/XX/2019 Alert Type New Collection Processed Date XX/XX/2019 Original Amount XXXX Balance Amount XXXX Creditor Name XXXX XXXX XXXX Date Reported XX/XX/2019 Comments Medical Address XXXX XXXX XXXX XXXX, XXXX, TX, XXXX New Collection A new collection has appeared on your credit report. Here are the details of this inquiry : Date Reported : XX/XX/2019 Here are the details of this inquiry : Date Reported : XX/XX/2019 Alert Type New Collection Processed Date XX/XX/2019 Original Amount XXXX Balance Amount XXXX Creditor Name XXXX XXXX XXXX Date Reported XX/XX/2019 Comments Medical Address XXXX XXXX XXXX, XXXX, TX, XXXX