davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-08
Product: Credit reporting 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. (FL)

Upon reviewing my XXXX, XXXX and Equifax credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Consumer complaint received 2019-07-23
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: Early Warning Services, LLC (TX)

XXXX XXXX XXXX Missouri is being reported on to the file that your company maintains up under my personal file with accounts ending in XXXX and XXXX and. I have never had an account with XXXX  XXXX XXXX. The document with the electronic signature does not belong to me and its not my signature. I've also asked that you provide Driver license or anything that was used when the person acting as me entered the bank. An electronic signature look as though it was obtained thru an online portal which I did not authorize or take part in. This account is a direct result of identity theft and I am requesting that it be removed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
Consumer complaint received 2019-07-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Phoenix Recovery Group (TX)

My account has been paid monthly through a debt collection company beginning XXXX XXXX for the balance of {$1000.00}. I successfully completed my payments with Phoenix Recovery XX/XX/XXXX by making a phone call directly to them and paying my remaining balance in full. Since then I have continued to be harassed for my balance owed, which should be {$0.00}, via phone calls and an email I received today from XXXX XXXX. XXXX email stated that I had not cooperated in paying off my balance, I was sent a letter to dispute ( which I never received ). Her letter stated my account would be reported to my credit report as well and possibly turned over to a lawyer. I just recently disputed with XXXX, which was successfully removed, and XXXX  this account on my report because it was successfully paid off in full. I worked hard to pay off this balance and do not appreciate being told that my credit will be damaged for an account already payed in full.
Consumer complaint received 2022-01-11
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)

I previously reported an identity theft in XX/XX/2021 disputing the account put on my credit by XXXX XXXX the original creditor is XXXX. I want to file a complaint against both companies due to the fact that I have previously told them that this is a result of identity theft but also the fact that XXXX continues to sell this debt to debt collectors. As a result, my credit report has been severely impact it because this is the only negative item on my credit report. I have also filed a report with the FTC stating that this is a violation due to the fact that these bills were not caused by me. I checked my credit report in XX/XX/2021 and saw that this debt had been added to my report
Consumer complaint received 2018-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have contacted Transunion, XXXX and XXXX over the past 3 years via online to remove outdated information on my profile to no avail. Some of these items are over 10-12 years old and should have been removed at year 7. Most of the items have reached the statute barred limitations as well for my state. Additionally, there are some entries on my credit that do not belong to me and should be a case of identity theft and removed as well. 

I am hoping you can assist with this issue with the credit reporting agencies.
Consumer complaint received 2019-07-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (AZ)

I been disputing a medical collection w/ IC system since XX/XX/2018. Had three charges. One charge of {$50.00} was removed but left with other 2 charges one for {$200.00} and {$460.00}. I had full  cover insurance ( XXXX ) for my self and XXXXkids at the time of service. If they removed one charge of {$50.00} dollars it's because I m correct. They have not removed the other two charges. I had send them copy 's of my insurance.
Consumer complaint received 2022-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Enclosed is the payment demanded by the most recent invoice I have received to stop the continuous fees being charged. However, I dispute the validity of all the fees charged by Capital One and am seeking a refund of these amounts. 

There was a recent change in the management of the XXXX credit card. The bank associated with the credit card was switched from XXXX XXXX  to Capitol One. I have had an XXXX credit card for many years and have been through previous bank changes. In the past, a new card was issued and a new account and new relationship with the creditor was established. In this case, Capitol One claims they took over my account and are authorized to do so despite no affirmative action on my part. 

I have received extensive correspondence related to my XXXX  card. I read some and understood that I would receive a new credit card and the management was changing. However, most of it was marketing materials and I did not understand that they could cancel my existing automatic payment agreement or begin billing me from a new company before they issued me a new card. I did not realize their expectation was that I would read every letter they sent me spread out over many months. 

In the past week, I received a new credit card and statement from Capitol One saying that I owe {$310.00} and much of it is past due. Looking back through my mail, I found 1 previous statement from Capital one, a letter from Capital One, and the final statement from XXXX Bank. All of these documents appear to contradict one another. I think it is unjustified to charge me late fees based on these unusual circumstances and the conflicting information provided by the credit card companies. 

The XXXX bill from XXXX bank clearly states that the full credit balance of {$100.00} will be paid in full from my bank prior to the due date. A letter from Capital One dated 9 days after the payment date shown on the XXXX bank statement claims that I have a past-due balance of XXXX. The XXXX statement from Capital One dated the day after the XX/XX/XXXX letter says that I have a balance of {$250.00} due XX/XX/XXXX. 

I called Capital One twice on XX/XX/XXXX. This is the first day I realized that Capital One was claiming I owed them money. I had not opened the mail from Capital One that included the statements or the past due claim before then. I spoke to agent XXXX who claimed, after extensive consultation with the account executives that Capital One was not servicing my credit card and I needed to speak to XXXX. After XXXX confirmed that this was incorrect, I called again and spoke to agent XXXX. The information I received from Capital One on these calls was inconsistent. Both of them cautioned me they were seeking to collect a debt and the calls would be recorded. I encourage the consumer protection organizations to review these recordings.
Consumer complaint received 2019-07-22
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. (CA)

The following Hard Inquiry shows on my TransUnion Credit File ; XXXX XXXX Inquiry from XX/XX/2019 I did not give XXXX XXXX authorization to access my file. I contacted TransUnion to dispute this and they asked me to contact XXXX XXXX. I looked up XXXX XXXX online and they are no longer in business. 

Bottomline, TransUnion shared my credit file information without authorization and they were not helpful when I called in to dispute it. 

Thank you XXXX XXXX
Consumer complaint received 2018-04-12
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: National Credit Adjusters, LLC (FL)

I had applied for a loan from XXXX and already paid the amount through the customer service. Now i see a negative credit remark on my credit score from this collection Agency called " NATIONAL CREDIT ADJUSTERS '' and an amount due which has already been paid long time ago. I had been harassed with calls. I tried to dispute before and i did it but the calls and the bad remark on my credit has not been removed yet. The amount was paid and i also tried to apply for a new loan from XXXX but was denied. Then the collection calls from NCA started
Consumer complaint received 2019-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have paid off my Capital One credit card in full every month except the month of XXXX, but Capital One charged me a double interest fee for not doing so. I was charged an interest fee in XXXX and another interest fee in XXXX, even thought I paid off my credit card in full for the month of XXXX. And when I contacted Capital One about the interest fee I was told " that's just the way they do it ''. They are ripping off their customers.
Consumer complaint received 2019-07-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo Bank purchased my Florida condo mortgage from original lender ( XXXX XXXX XXXX  XXXX ). Since my condo is in the state of Florida, it is required that I pay for Hazard and Flood insurance through the XXXX ( XXXX XXXX XXXX ). In Texas, you have to buy walls-in insurance ( know as H06 ) since the insurance provided by HOAs don't cover that. However, in Florida, because of Florida Statute 718.111 which dictates what HOA Master policy covers for each unit, typical walls-in policies are not required and optional for owners ( whether you want to buy for furniture, fixtures, improvements ). XXXX XXXX XXXX recognized this so it was not required. Last year, after Wells Fargo tried to dictate that I purchase walls-in or what they call improvements & alterations insurance now, I went back and forth with them many times and finally, after sending a copy of Florida Statue and Declaration of Condominium, I finally got a rep ( named XXXX ) to understand and it was again NOT required. This year has been the same back and forth. They send letters, I send proof by fax, uploading to their site and have spoken with many of their insurance reps that promise to call back and never do and even spoke with several dispute resolution " officers '', but have never gotten them to put me through to a manager. I've sent them and explained everything they say they need and they promise to call back ... never do. Now they have force placed insurance. My last call was with rep XXXX on XX/XX/19, upload Declaration of Condominium AGAIN which explains coverage purchased  through XXXX, she promised to call back the following Tuesday and never did. How can I resolve if they don't follow through. They don't want to resolve or understand and now they are trying to raise my payment do to the force place insurance even though the ball is in their court to resolve. No reason I should have to purchase this expensive insurance since I already pay around {$2300.00} through my XXXX which will rebuild the unit if damaged to equivalent of original finish by developer. This is typical Wells Fargo cheating customers. Lenders having no say in who mortgage is sold to is the deep rooted problem. Wells Fargo does not exercise Fair Practices and don't have customer service practices that lets borrower resolve issues.
Consumer complaint received 2016-07-14
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had XXXX different answers from two associates. I have XXXX response from XXXX XXXX ( file # XXXX ) and another response from XXXX XXXX ( complaint number XXXX ) they XXXX have a unanswered response response to my complaint and now I have attached their responses.
Consumer complaint received 2019-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CO)

On XX/XX/XXXX, I mailed a letter to the credit bureaus, asking for a credit investigation. They were supposed to respond within 30 days, but I have not received anything from Equifax or XXXX.
Consumer complaint received 2019-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (IN)

I made my typical monthly payment to Ocwen on XX/XX/XXXX only to have it returned to me in XXXX. When I called to find out why they sent me a check for the same amount of XXXX they stated my loan was due to be paid off by XX/XX/XXXX which I was not aware of. 
I asked them how this would impact my credit since I did make the payment and they said it most likely would show delinquent. I ended up wiring the payoff amount immediately after finding out it was due for XXXX on XX/XX/XXXX. I just checked my credit history and it is showing delinquent for not only XXXX but for XXXX too. I have attached screenshots from XXXX to show payments were received and therefore should not be delinquent for both months.
Consumer complaint received 2022-12-01
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. (IL)

In accordance with the fair credit reporting act XXXX XXXX # XXXX, and account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A : states I have the rights to privacy.

15 U.S.C 1681 Section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-01-12
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: Checkr, Inc (HI)

I applied for XXXXXXXX XXXX as a driver to deliver food. XXXX XXXX run a credit report and it came up with wrong information. It said I was in a fraud investigation., and I'm on public assistance, not true I'm unemployed, someone used my identity for unemployment. I was involved in identity theft. All wrong information is given on my credit report.
Consumer complaint received 2024-03-08
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. (NY)

I wish to contest a derogatory item present on my credit report that I believe to be inaccurate, untrue, incomplete, untimely, and potentially not even associated with my responsibility. Upon thorough examination of my report, I have identified numerous errors and inaccuracies being reported. I kindly request that you carefully review and rectify any and all of these discrepancies, ensuring they adhere to the standards of truthfulness, accuracy, completeness, timeliness, ownership responsibility, FCRA compliance, Metro 2 Format compliance, and any other relevant regulatory requirements governing reporting obligations. 

The following disputed information represents allegations that lack sufficient proof of validity and compliance. I insist that you promptly remove these entries from my report. I expect this action to be taken without delay. Below is a list of the contested information : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged 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 NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance.

I am concerned about potential harm caused by mixed or merged information, deviously reported inaccuracies such as status and activity dates, and balance and remark questions. These can directly affect my credit score, credit to balance ratio, debt to income ratio, and my ability to present my true creditworthiness for major loans such as for a vehicle, home, employment, etc.
Consumer complaint received 2022-05-01
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: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX and 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 an account without my written instructions
Consumer complaint received 2019-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CO)

On XX/XX/XXXX, I mailed a letter to the credit bureaus, asking for a credit investigation. They were supposed to respond within 30 days, but I have not received anything from XXXX or Experian.
Consumer complaint received 2017-07-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MN)

On XX/XX/XXXX I settled my account for less with XXXX XXXX XXXX XXXX when they agreed to take {$14000.00} as the payoff of my auto loan account # XXXX by XXXX XXXX in XXXX, Minnesota XXXX who can be reached at ( XXXX ) XXXX. In XXXX XXXX XXXX XXXX XXXX started reporting that we had not settled and that they had charged off the remaining balance of {$9100.00}. the XXXX XXXX representative spoke with myself and XXXX XXXX who is the XXXX XXXX employee who processed the sales of the XXXX IS XXXX and provided the payoff to XXXX in order to settle the account. I was told verbatim that they would not report the remaining balance as charged off because opposed to turning the vehicle over to XXXX I had gone out and got an offer from XXXX XXXX for {$14000.00} that they agreed they would accept to settle the account. I mailed my complaint about this matter to all 3 major credit bureaus by certified mail on XX/XX/XXXX,  in which I have already received correspondence from XXXX that they have started the dispute as they are required to within 30 days by law. On XX/XX/XXXX Experian send me a letter saying that they could not process my dispute because I had not provided sufficient information, or that the documents were not legible. I am attaching all documents to this dispute and you will see that not only did I provide all information necessary to initiate my dispute, but that it was absolutely legible. I am about to go through a background a check for a new job and I will not hesitate for even a moment to sue XXXX and Experian to the full extend of the law if this is not corrected IMMEDIATELY as this is fraud on behalf of XXXX XXXX which they have shown us all they have no problem with, and this could also result in a failed background check if this remains on my credit report in which I would sue for loss of wages as well. I recommend the Experian and XXXX XXXX do not take this complaint/dispute lightly or try to delay correcting false information any further or I will have my attorney be the next person to take action. We are so thankful that XXXX XXXX has recorded all phone calls on my account so that if I am forced to bring them to court they can help us verify that the statements above are truthful. Please remedy this inaccuracy immediately. I am simply shocked appalled and offended to see XXXX XXXX trying to get away with this even after they just defrauded millions of Americans. Experian received my dispute via certified mail with return receipt, no later than XX/XX/XXXX so the clock is ticking until 30 days is up. Please do n't make me escalate this any further as I will be submitting a complaint with the FTC today as well. Sincerely, XXXX XXXX XXXX