davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-14
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 (TX)

Hello, My name is XXXX XXXX XXXX and I have previously disputed this account with capital one and the credit bureaus to no avail. This account is not only in violation of FCRA section 623 ( 5 ) ( A ) but is also in violation of 15 USC 1681s-2. These are serious FCRA violations and I would like this account removed from my credit report immediately or I will be forced to file a small claims suit in the amount of {$1000.00} per violation. 

Capital One Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One 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 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. (CA)

I have multiple unknown inquiries on my credit report, after discovering I am a victim of identity theft, that have not been removed from my credit report. My credit report was given to multiple collection agencies of the identity theft charges without my consent. In addition the credit agencies still have a separate file under my former name of XXXX XXXX XXXX even after I legally changed it. The credit bureaus have illegally dropped my credit score XXXX points, increased it XXXX points and dropped it again for no reason. The credit bureaus are discriminating against the XXXX community by dropping points like this and making credit slow slower to increase points. This is discriminatory based on XXXX  and/or XXXXXXXX XXXX XXXX XXXX I have been discriminated against by all three credit bureaus as a XXXX XXXX XXXXXXXX. In addition I have several positive credit accounts that were removed from my credit profiles without my consent even though they are being reported to all three credit bureaus.
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (CA)

Ignorant applications of RESPA statutes to all complaints prior to today, when reviewing statements and documentation, resulting in wrong late payment reporting to XXXX, XXXX and XXXX by Seterus, Nationstar and Mr Cooper. ( ref to complaint XXXX, missing primary documentation submitted through CFPB portal XX/XX/2022 )
Consumer complaint received 2024-02-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

Company drafted payment twice i asked for refund or payment to be rejected and they are refusing to unless i provide bank statement, but they are the ones processing payment and refuse to reject now i am overdrafted on my account and incurring fees this is a huge burden on the borrower and XXXX the agent I spoke to refused to let me talk to a manager after requesting twice he finally did on the third request also kept stating that I acknowledge that it was fault and not Caringtonton 's fault multiple times and I adamantly kept denying it and feel that this was deceitful under UDAAP and he did this multiple times I wonder how many times he has done this and is this the way that Carrington trains their agents on this makes you wonder
Consumer complaint received 2023-03-26
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. (NY)

I am writing to request that you delete certain items from my credit report. I understand that you have furnished information to credit reporting agencies regarding my account, but I never gave you permission to do so. As such, I believe that your actions violate federal law, specifically 15 USC 6802 ( b ) and 15 USC 1681b ( a ) ( 2 ). 

Under the Fair Credit Reporting Act ( FCRA ), companies are only permitted to furnish information to credit reporting agencies with the consumer 's explicit permission. By furnishing information without my consent, you have violated my rights under the FCRA. Furthermore, this constitutes grounds for identity theft under 15 USC 1681c-1.

I would also like to draw your attention to 15 U.S Code 1681a ( d ) ( 2 ) ( i ), which requires that credit reports contain information solely as to transactions or experiences between the consumer and the person making the report. By reporting information that was not authorized by me, you have also violated this provision of the law. 

As a result of your actions, my credit report has been negatively impacted. I request that you take immediate action to remove any unauthorized information from my credit report. I also ask that you provide me with written confirmation that you have done so within 30 days of receipt of this letter. 

Thank you for your attention to this matter. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-10
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. (GA)

I HAVE NO KNOWLEDGE OF THE FOLLOWING INQUIRIES AND HACE FROZEN MY CREDIT FILE ON ALL 3 BUREAS BECAUSE OF THEM. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: Experian Information Solutions Inc. (DE)

Please remove the following items off my credit file. The items on my credit report are reporting different on Experian and XXXX. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt.
Consumer complaint received 2022-10-14
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. (TX)

I have some hard inquiries in both XXXX  and equifax that are not mine, both companies refuse to delete them. I have contacted them several times by phone and certified mails and they just ignore me.
Consumer complaint received 2024-02-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (IL)

On XX/XX/XXXX I applied for a building and I was denied. I asked the building when I can get my XXXX deposit back and they did not respond. I filed a dispute on XX/XX/XXXX and it was denied. Is reached out again to the building and they said the funds were taken back. Chime has no representatives to speak to on this.
Consumer complaint received 2021-07-21
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

reviewing the following accounts that appear on my credit report, without any authorization, is hurting me Identity Theft XXXX XXXX  XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. CAP ONE AUTO Account Number : XXXX
Consumer complaint received 2021-07-21
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: General Motors Financial Company, Inc. (NY)

reviewing the following accounts that appear on my credit report, without any authorization, is hurting me Identity Theft XXXX XXXX  XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft GM FINANCIAL Account Number : XXXX This is not mine. 

5. XXXX  XXXX XXXX  Account Number : XXXX
Consumer complaint received 2019-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (UT)

American Express send me an offer in reference to a XXXX promotion, if I spend XXXX or more at a XXXX XXXX I would get XXXX dollars statement credit, as stated in the mailing i have to enroll for the promotion between XX/XX/2019 to XX/XX/2019. Last week i attempted to enroll several times and every time I got an error : " Sorry about that! It doesn't happen often, but offers are currently unavailable. Please try again later. '' Today I called to complain with american express and let them know that before I stated at a XXXX XXXX  i attempted to enroll on the promotion and that the error below was appearing, I stayed at a XXXX XXXX on XXXX XXXX and spend more than 200 dollars as per the promotion. 

I even try to enroll again today and I got the same error see attached pictures, the supervisor that handled my chat session today " XXXX '' stated that the promotion was not available to all the cards and that there was nothing she could do, however again if you look at the picture yo can see that the website states that the promotion is available to all my cards. this is false advertisement and very poor customer service, very disappointing from American Express.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (MS)

I received notice that I had an outstanding payment balance with Navy Federal Credit Union for a loan. I informed the company that I never applied for a loan/credit account. Navy Federal ultimately advised that they were unable to verify my identity on the phone as was unable to assist me. When requesting documents to dispute the loan they advised those documents were only available to me through an online portal. When the online portal was accessed, it stated there was no information available to me. I remained on the phone XXXX hours to speak with the credit XXXX XXXX security dept. A representative never answered the phone. I have filed a police report and contacted the credit Bureaus.
Consumer complaint received 2023-03-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (GA)

On Monday XX/XX/2023 I called TRUIST XXXX requesting necessary documents to change ownership of my mortgage from primary owner ( me - XXXX XXXX XXXX ) to a Revocable Living Trust. I subsequently called XX/XX/2023 ( XXXX - CRep ), XX/XX/2023 ( XXXX - CRep ) XX/XX/2023 ( XXXX - CRep ). 
Each Customer Service Rep assured me the documents had been mailed. I do not understand the delay in documents arriving in XXXX, GA taking this amount of time coming from South Carolina. If documents were being originated from the XXXX office, I was never corrected as to that when I talked about South Carolina office.
Consumer complaint received 2022-10-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: MoneySpot USA LLC DBA Sunshine Loans (TX)

On XXXX XXXX XXXX I was offered a payday loan with unclear terms and interest through my email. I do not know why I received the offer. I was short on rent due to changing jobs and my vehicle having its motor replaced due to recall. Sunshine loans offered {$600.00} I want through the prompts on the website trying to discern the rates and commitments. I ended up accepting it thinking I would be paying back around XXXX XXXX over 5 installments. On XX/XX/2022 the {$600.00} was deposited into my account. When I logged into the website, it said and now says I owe {$250.00} out of my next 5 pay checks totaling {$1200.00}. I sent a a letter of revocation of authorization to withdraw from my debit card or checking account on any and all withdraws on XX/XX/2022. I received response from Sunshine loans before XXXX the same day acknowledging the revocation and requesting me to discuss new payment method. Before I could respond the withdrew the first installment of {$250.00}.
Consumer complaint received 2019-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation (FL)

There is currently an account from a company called XXXX/fortiva reported XX/XX/14 that is negatively affecting my score and I just recently became aware of this. I need this incorrect debt removed from my credit reports please. I found this debt using XXXX   XXXX.
Consumer complaint received 2024-02-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION (FL)

Navy Federal Account the amounts that are owed and have been on this account for 2 years and I have not gotten any notifications of what's owed. XXXX XXXX caused a lot of hardship for my family and current situation. 

- {$1700.00} Checking account- {$460.00} Savings account
Consumer complaint received 2024-02-14
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

The account was sent to a lawyer that represented the company, XXXX is called XXXX XXXX XXXX out of Louisiana. I received a letter stating that if I paid the {$5000.00} that the debt would be considered settled. I needed to make the payment by XX/XX/2023. I made the payment and received a letter from lawyer stating the debt has been settled. I go to my credit report and it shows the remaining balance, so the XXXX was just subtracted from the owed amount and still not show the status that was agreed upon. I was told the amount would show XXXX owed and settled for less than owed. I contacted lawyer and they said I needed to talk with creditor. I call the creditor and they said to send another letter in and they will investigate it. They are stalling and I want the credit report to represent was agreed upon since I did my part on the settlement.
Consumer complaint received 2022-10-14
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: Experian Information Solutions Inc. (IL)

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. 

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 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 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: EQUIFAX, INC. (DE)

Please remove the following items off my credit file. The items on my credit report are reporting different on XXXX and Equifax. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt.
Consumer complaint received 2024-02-14
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: LD Holdings Group, LLC (WI)

On XXXX XXXX,2019 Loan Depot failed to provide information about securitizing pooling/sold the loan as a mortgage backed securities to Ginnie Mae ! Missing disclosure of information on amounts paid to Loan Depot llc from the government National Mortgage Association ( GNMA ll )! Securitization structuring the issuer as a special purpose entity and then transferring the underlying assets from the originator to the issuer is a true sale.
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2021-07-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Link Revenue Resources, LLC (TX)

I have repeatedly had XXXX XXXX XXXX call this company to tell them they are balance billing and the debt is not owed but they just get a new credit collection agency to take the collection claim. I am under constant harrassment for a debt that I do not owe. They also use a service called Link Revenue Resources which tell me that they can not stop billing until the " facililty '' tells them to. The only number for XXXX XXXX billing is the phone number to Link Revenu Resources and the corporate office does not help me either. I am attaching the multiple contacts I have had with them in 2021 alone.
Consumer complaint received 2021-07-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (OH)

A company calling themselves " XXXX XXXX '' called me XX/XX/XXXX. They informed me my brother was contacted first, who gave them my phone number, because I was facing a court hearing for a Wells Fargo debt collection I had no idea of. They said they could not find my phone number or address to contact me first. They said I had a balance of {$360.00} to be collected from Wells Fargo, for a debt owed XX/XX/XXXX. I tried to get as much info as I could about them but in the liability release, their phone number is not listed. I can not find " XXXX XXXX '' online anywhere, except that it may be a scam. 

Although they say in the document the payment was for XX/XX/XXXX, the payment didn't show up until XX/XX/XXXX in my bank. The receiver of the payment is not listed as " XXXX XXXX '' but instead " XXXX XXXX XXXX ''. " XXXX XXXX XXXX '' is searchable online, but there is no company website, no company phone, and no other contact or informational sources about it.
Consumer complaint received 2024-02-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION (MI)

I was denied an auto loan based on my credit score according to navy Federal. Months later I received a letter stating that they may have made a mistake by denying me. At the time of my loan request my credit score was at or above XXXX. So I was at lost for why I was denied.
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


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 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
Consumer complaint received 2022-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation.
Consumer complaint received 2021-07-21
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: Chime Financial Inc (PA)

I noticed 12 authorized transactions under my credit builder transaction history on my chime account. Some were processed some were still pending. There was all little random amounts adding up to around XXXX . I made a dispute and they emailed me saying there is no billing error and they going to email me what they used to come up with there decision. I have yet to see it. Im just so upset Im not rich I work hard for my money for someone to take it and my bank that I been with for years to say theres no error. So I called them after seeing the email I called and asked why didnt they approve my dispute they said All they can do is give me the information that they use to come up with their decision or they said I can do a rebuttal but I have to come up with new information that I didnt give them the first time so I dont have any new information because I just checked my account one morning and I seen all these transactions so I just called them and reported it and then that was it
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..