davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-24
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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2018-10-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc. (AZ)

This company ( NCC BUSINESS SVCS INC ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$9400.00} and {$8300.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Consumer complaint received 2021-05-24
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Home Point Financial Corporation (MA)

I received a Verification of Mortgage today, XX/XX/XXXX which indicates " Number of Times past due -1 '' which is not correct ( See document attached ). 

I was approved for a Forbearance Plan for two months of XXXX and XX/XX/XXXX, and then I was approved for an extension for another one month for XX/XX/XXXX XXXX See document from XX/XX/XXXX, and a letter from XX/XX/XXXX attached ). However, these three months, or 90 days, in the Verification of Mortgage stated as " past due ''. 

Home Point Financial failed to comply with the Forbearance Plan Terms : " As a result of not making any payments on your mortgage during the term of the Forbearance Plan, we will suspend reporting any delinquency ''. 

This is my second complaint to CFPB about Home Point Financial issues. The first complain resulted in the correction of my statements and my outstanding principal balance. In their response to CFPB Case on XX/XX/XXXX Home Point Financial states all the steps of my mortgage history with them, including approval for the Forbearance Plan for two months and an extension for one more month. ( See document attached ).
Consumer complaint received 2018-03-06
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: CITIBANK, N.A. (RI)

Noticed in XX/XX/XXXX a series of fraudulent charges on our credit card ( four charges in total amounting to over {$4000.00} ). We contacted the bank ( Citi Bank ) immediately to dispute the charges and within a couple of days two of the four charges were taken off our statement. A couple months later we contacted the bank again to inquire as to why the other two have not been removed from our account ( ~ {$1800.00} ). The bank indicated that they were still investigating those charges and once they concluded their investigation the charges would be removed.

We contacted the bank in XX/XX/XXXX to inquire about those same two charges and their investigation, we were told that they would have to reopen our file under the old card number to review the charges. This tells me that they closed the file without doing any investigation into the charges and did not notify us of this development. 

Meanwhile, for nine months, we have been accruing interest charges on those charges. With the way credit cards work, we've been incurring compounded interest making this worse. This is now taking up almost {$2000.00} of our credit line and inhibiting our ability to make purchases as part of our daily routine.
Consumer complaint received 2024-02-26
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. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2022-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

According to my XXXX XXXX car account, the entire car actual and monthly payment history is not showing on my Transunion account. This has been an ongoing and over and over event on another credit provider, where the account has been deleted and then various forms or not showing the actual monthly payments that were made
Consumer complaint received 2021-10-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CO)

On XX/XX/XXXX  I received an email on stating my venmo account was negative {$1.00}. I then received another email on XX/XX/XXXX  saying that i had received XXXX cash back for using my card at the restaurant where i had made a purchase causing the negative balance. Venmo followed with another email stating that the cashback would be applied to my negative balance and i needed to pay XXXX  in order to restore my account. On XX/XX/XXXX  I attempted to settle the remaining negative amount from my connected bank. In the email confirmation it says that transaction won't be completed until XX/XX/. On XX/XX/XXXX  I received a payment into my venmo account from my boss for {$75.00}. Venmo is still refusing to allow me access to my funds even though the negative has been settled by my initial transaction from my bank as well as the venmo transfer that i have received from my boss. They are saying that until the ach transaction goes through they will not give me access for my funds or take the XXXX out of the {$75.00} that is readily available in the Venmo account. PLEASE NOTE THAT I FILED THIS WITH THE ASSISTANCE OF AN AGENT ON THE PHONE. I SEVERAL EMAILS THAT I WOULD LIKE TO SUBMIT, HOWEVER I WOULD LIKE TO FORWARD THEM DIRECTLY TO MAINTAIN THE INTEGRITY OF THE DOCUMENTS AND NOT COPY AND PASTE THEM AS I DO NOT HAVE TO OPTION TO DO THAT.
Consumer complaint received 2021-10-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I m checking my credit reports and I don't understand why I see this account on my name. I don't have anything like that. I have no idea why you put it on my name.
Consumer complaint received 2019-08-20
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (CA)

i was denied credit.....reason>unable to verify credit reference due to security alert...per MACY'S XXXX XXXX XXXX XXXX ,oh XXXX new accounts XXXX..I spoke with  supervisor XXXX...and she also denied my application...i am being discriminated i am being denied credit for an unlawful reason..there is no security fraud alert on my XXXX credit file
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

on XX/XX/2022 i received an credit alert about XXXX XXXX XXXX and ive reached out trying to have this removed from my report this is an un authorized inquiry
Consumer complaint received 2021-10-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

on XX/XX/2021, I sent letters to XXXX and Transunion about the inaccurate and incomplete items that they are reporting on my credit report. the letters state that they don't have any permissible purpose by law to contact third parties with my private or personal information pursuant to 18 U.S.C. 1028A and I request that the inaccurate items be deleted at once. Today is XX/XX/2021 and I haven't received anything from them concerning the request. I have attached copies of the letters for your reference.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

XXXX. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX  Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS DEPT OF ED Date of inquiry : XX/XX/2024 Please remove it from my credit report.
Consumer complaint received 2018-03-05
Product: Payday loan, title loan, or personal loan — Pawn loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC (CA)

I had took out some rings with XXXX XXXX I finished paying them off and never showed up in my credit .I decide to trade in one of the rings for a gold chain which left me with a remaining balance of XXXX which i did a payment of XXXX dollars a month when. I was done paying what was owe they kept charging me told me that they had got a lender from somewhere else and was never informed that they were going to do that. I went to complain why did I still owed they told me that they didnt know why they had got another lender when I had enough credit with them that they werent able to help me that I had to deal with the lender I talk to the lender and wanted me to pay exaggerating amount that what I had payed was just interest and the nothing went towards my actual balance.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/2023, I look at my credit report. I sent a letter to XXXX, trans union and equrifax on XX/XX/2023 asking them to reinvestigate these accounts. Report 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 fXXXX 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 On XX/XX/2023 they sent me their investigation and said these accounts are complete and Accurate. 

I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I would acknowledge that neither reporting agency actually did a proper reinvestigation and check that the information report was factual and accurate.
Consumer complaint received 2021-08-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diverse Funding Associates LLC (MD)

XXXX XXXX XXXX XXXX XXXX owned by DNF Associates, LLC gives notice of an account balance of {$610.00} sold on XX/XX/2021 to XXXX XXXX XXXX XXXX XXXX who now is owner. 

Although DNF Associated, LLC states the notice is not a bill and not to send payments it gives myself the impression that any payment should be forwarded to XXXX XXXX XXXX XXXX XXXX of which I am confused about.
Consumer complaint received 2020-11-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MI)

To date I have not received my monthly statement for loan ending XXXX for XX/XX/XXXX : XXXX XXXX nor my monthly statement for loan ending XXXX for XX/XX/XXXX : XXXX XXXX. While you may have other accounts to service both of these statements are well over a month overdue. Further, I have repeatedly had to kick your company before to produce the monthly statement for loan ending XXXX. As your company repeatedly brags about committed to providing exceptional service then DO IT!! 

In addition, to protect myself & my rights, consider this as notice that I want another extension of my Forbearance Plan for both loans ( XXXX & XXXX XXXX commencing at the end of my current extension which ends on XX/XX/XXXX. My requested extension is to run thru XX/XX/XXXX due to a Covid-19 related hardship.
Consumer complaint received 2021-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

I sent XXXX XXXX ample evidence that I lived outside the United States during a period when my identity was stolen. Their response was to put a delinquent account remark on my credit reports. This is an extremely unpleasant company. It's like the toxic people at XXXX are double victimizing me by punishing me for having my identity stolen. They are expletives.
Consumer complaint received 2021-04-29
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. (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2023-04-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (IL)

You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!
Consumer complaint received 2022-04-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (CA)

I received an email from what I believed was my escrow officer stating that I needed to send my closing costs to a Chase account. Chase is not helping to freeze this fraudulent account nor helping me at all. Please help- Im losing my the potential of getting my first home, my life savings everything!
Consumer complaint received 2021-08-14
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. (PA)

Over the past few years my identity has been compromised in over 36 security breaches from the following companies : XXXX in XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX XXXX  and their sub-company XXXX  XXXX. 

The following Hard inquiries on my credit are : not ones that I inquired about, I was not issued any lines of credit by these companies and It looks like fraudulent activity. This prevents me from obtaining good credit and looks like I desperately need lines of credit when I do not. 

Transunion : XXXX- Finance Inquiry XX/XX/XXXX XXXX XXXX-Finane  Inquiry XX/XX/XXXX XXXX-Finance Inquiry XX/XX/XXXX XXXX-Automotive Inquiry XX/XX/XXXX XXXX- Finance Inquiry XX/XX/XXXX XXXX Auto-Bank XX/XX/XXXX XXXX  XXXX-Finance Inquiry XX/XX/XXXX XXXX-Finance Inquiry XX/XX/XXXX XXXX XXXX-Bank Inquiry XX/XX/XXXX XXXX-scm  Misc Inquiry XX/XX/XXXX
Consumer complaint received 2021-05-02
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. (TX)

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. We are at almost 70+ daysThe items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. Medical bills are not to be shown on a consumer transaction report per 15 U.S. code 1692 ( g ) medical bill and/or personal information should not reflect on my credit report. This is a violation.
Consumer complaint received 2021-10-25
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

CAPITAL ONE BANK USA N at XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. I've called to ask if they could remove a 30 late payment due to me being affected by Covid- 19. unfortunately I was laid off from my job. whenever I would call I was told they could not help me in the time of need. its stopping me from purchasing a home for my kids & i