davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-05
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. (GA)

The car that I had was in a car accident. The person that caused the accident Insurance Company paid the balance on the car in full. The balance that is showing on my credit report can not be from that car and the balance should be removed on my account. The payments that are showing on the car and the payment that is showing is not the amount that was agreed upon under my contract. I have not signed a new agreement authorizing this. This needs to be removed off of my credit report.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I am trying to get all three credit reporting companies to put a security freeze on my report, as I have checked with XXXX who have admitted that my information has been compromised in their latest security breach. None of XXXX, XXXX or Transunion 's website will complete my online requests. 

I have tried some of them multiple times, but they will not freeze my report.
Consumer complaint received 2019-10-29
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

1. I reported a case of fraud to Capital One in XX/XX/2019 regarding a fraudulent charge of {$2100.00} made via the internet to the clothing retailer XXXX. 

2. Capital One took initially appropriate actions such as placing the initial charge on hold and issuing me a new credit card number. 

3. Capital One initiated a fraud investigation in XX/XX/2019 4. Another attempted charge to the retailer XXXX was made in the amount of {$2100.00} to the closed credit card number and was declined on XX/XX/2019 5. Capital One closed the fraud investigation with the statement that " ... I've found no indications of fraud. The following charges will appear on your next statement as adjustments : ... '' in a letter dated XX/XX/2019. 

6. I am a long standing Capital One customer ( >8 years ) who maintains multiple active banking and credit relationships which would generally be associated with low fraud risk. 

I believe the statement that " I've found no indications of fraud '' to be both inaccurate given the totality of facts available to Capital One and dismissive of the customer experience and devoid of empathy given that I reported a case of fraud.

Specific indications of fraud that Capital One did not acknowledge in their letter to me : 1. The fraudulent order utilized both item sizes and a shipping address that was inconsistent with my purchase history.

2. An additional attempted charge of {$2100.00} was made on the closed credit card number after the account was closed.
Consumer complaint received 2017-11-10
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: EQUIFAX, INC. (PA)

Affidavit of Demand XXXX XXXX XXXX COMMONWEALTH OF PENNSYLVANIA XXXX COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the Commonwealth of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal disabilities and have personal knowledge of the facts set forth below. 

3. Date : XX/XX/XXXX Dear Equifax FTC Report Number : XXXX Victim Fraud Assistance Department, I have included all pages with the official police report from the XXXX Police Department. Also, you have a notarized FTC Federal Identity Theft Victim 's Complaint and Affidavit. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) you are to block any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I sent you clear legible copies of my credit report, FTC Identity Theft report, Official copy of the Identity Theft Police Report signed and notarized. I previously notified you in recent certified letters and affidavits that I am a victim of identity theft, and requested that you do the following : Close the unauthorized accounts and credit inquires Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used fraudulently. I did not open or authorize these accounts and inquiries, and I request that it be closed 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 Equifax, 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.

I also have enclosed a copy of the F.T.C 's Identity Theft Affidavit, which explains your responsibilities when reporting information to Equifax. Please stop reporting this fraudulent information and delete any fraudulent items as soon as possible. If you do not otherwise block my consumer information on my credit reports I will be left with no choice but to file a lawsuit that you volatile the F.C.R.A 605B law and how Its affecting my ability to work and buy a home. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Last four digits : XXXX DOB : XX/XX/XXXX cc : Pennsylvania Attorney General Office cc : XXXX XXXX XXXX  cc : Consumer Financial Protection Bureau cc : Office of United States Senator XXXX XXXX cc : PA Banking and Securities
Consumer complaint received 2024-01-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MA)

I have already contacted this company on different occasions and they insist that I have an alleged debt with them. 

15 U.S. Code 1692a ( 5 ) ( 5 ) The term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. 

Where is the proof of the transaction that creates this alleged obligation to you? 

They allege that I have some type of responsibility with them to return money through some contract that I have with them or some agreement by which they lent me money. They continue to violate my rights as a consumer since I have never done any type of business with said company and they continue to send me misleading communications to my address of amounts and amounts that I supposedly owe them. 

They say that I am almost obligated to pay you and I ask what is the product or contract with which I did business with you? They continue to violate the laws with false communications, demanding an amount of money that they supposedly lent me. I ask them for proof of any credit transaction in my name with this company and they do not have any proof and proof is not any document with my personal information. Proof is anything of value in the form of money or its equivalent that gives them any legal right to send me all of these fraudulent communications. 
Account name XXXX XXXX XXXX Account number XXXX Balance {$440.00}
Consumer complaint received 2023-01-28
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. (TX)

This is a formal complaint made by me XXXX XXXX not by anyone else. I used the guidelines set by the ftc. So i sent in a file to the credit reporting agencies and they completely disregarded my disputes and did nothing or even respond
Consumer complaint received 2017-04-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

I requested a modification due to falling behind two pmts and have been dragging 60 days late when started a buisness, my property taxes increased created a big shortage, loan due to be adjust in   XXXX   to a higher rate. I received a modification package offer is ridiculous 2 % 1-5 then afterwards keeps adjust higher up until 10 years w/ a Balloon note of $  XXXX  at the end of term and to top it off they added more years to my note when what I am looking for is less years roll my shortage and payments and reduce years fix rate ... this would put us @ 78 years of age and still have to pay $  XXXX  Balloon note at the end of the term. from a loan of  XXXX  balance to pay off an average of $  XXXX  which includes the  XXXX  I Honestly do think they are trying to help us? No I do not thinks so! we owe approximately 27 %  XXXX .     I DONT CARE IF MY LOAN PAYMENT IS {$2500.00} A MONTH BUT I WANT A FIX RATE  XXXX  OR 15 YEARS DONT WANT MORE YEARS TO MY NOTE. ***THEY HAVE ALL THE DOCUMENTATION THEY NEED FROM ME.     YOUR ASSISTANCE IS MUCH APPRECIATED.      XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

This is my other 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 following 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 Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-08-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NAVY FEDERAL CREDIT UNION (AL)

On the date of XX/XX/2021, I entered a consumer credit transaction with navy federal in the amount of {$74000.00}. I'm exercising my right as a consumer to dispute an alleged debt under federal law. Pursuant to 15 U.S.C 1692g ( b ) As the consumer, I requested the name and address of the original creditor. Navy Federal shall cease collection of the alleged debt, or any disputed portion thereof until Navy Federal : obtains verification of the alleged debt, verification of the name and address of the original creditor, and a copy of such verification name and address of the original creditor, is mailed to me by Navy Federal.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section by federal law. If any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and for Defamation of Character. Also, if any of my accounts are frozen or closed for exercising my rights as a consumer, I will not hesitate in bring legal action against you and/or your client for the Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and for Defamation of Character.
Consumer complaint received 2017-09-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have submitted SEVERAL times to TransUnion that they are reporting inaccurate information on my Credit profile. The first was XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I pull my report every month on the XX/XX/XXXX. TransUnion is reporting a US Bankruptcy Court. Per the FCRA 623 ( a ) ( 5 ) : m " If ther Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove the said information from the consumer credit profile. '' The Bankruptcy Courts have also reviwed the Public Record section on TransUnion Credit Bureaus Report. As a result, the bankruptcy court gave me a letter wich emphhatically stated that they DO NOT provide any information to the credit reporting agencies, nor do they ever validate or confirm public records. The courts rep also informedf me that Public records information is NEVER validated by the U.S. court system due to the Fair Credit Reporting Agencey PRIVACY LAW. I have sent several letters to TransUnion regarding this matter and have only gotten back verified and I keep asking for them to CLARIFY how they can keep confirming something that is NOT MINE and I NEVER get an answer. Please help me correct this matter with this Bureau.
Consumer complaint received 2021-08-06
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. (NJ)

There are 3 accounts reporting on my Equifax report that do not belong to me. 
The accounts keep coming back as verified when Equifax submits disputes for these accounts. Verification is confirming who the original creditor is, which is myself, XXXX XXXX. I submitted an FTC report to equifax and it was received by them on XX/XX/2021. 
The accounts are as follows : XXXX, XXXX, XXXX XXXX XXXX. Please block and delete these unauthorized accounts.
Consumer complaint received 2017-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

Under the new law effective XXXX XXXX, 2017 public records data must include Ssn or dob in order for it to appear in your credit file the credit bureau has not updated the information and per the new law bankruptcy listed does not include this information and should be deleted from my credit report
Consumer complaint received 2021-09-09
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: EQUIFAX, INC. (FL)

My name is XXXX XXXX. I pulled my credit report and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 30 days.
Consumer complaint received 2021-09-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (VA)

On XX/XX/2021 I called in to check the status of my account, the CSR told me to make a payment of {$450.00} online and pay a late fee of XXXX and they would remove the NSF of XXXX. I made two transactions with the CSR on the phone while making the payment through the website. Payments were received & confirmed. On XX/XX/2021 I received a notification that my account was debit {$450.00} from Kia Motor Finance. They did an EFT after they told me it was not " set -up '' because of faulted account issues. That payment was not authorized. I called back to ask for a refund and they refused to give my money back. They kept me in limbo for weeks. XXXX. Every time I called I was giving the run around. they also stated that I was not the primary account holder. Then they told me my son was the primary account holder and I was just the co-owner, and they were going to send the refund check to my son. They did NOT receive any payments from my son ever I have proof. They did NOT auto draft an EFT from his bank either. All funds, payments and fees were from my account. The buyer agreement states the buyer and co buyer. I have proof. I called again on XX/XX/2021 at XXXX to ask the status and I got the same run around from a special " agent '' XXXX that they were going to issue out the refund correctly & post to my account after I explained I was not waiting for another 30 days for payment. I called again XX/XX/2021 to check the status and nothing was done and my account has been placed in collections for payment that was due XX/XX/2021, with additional fees. I feel they are messing up my credit score and racially profiling. This is an act of manipulation and deceit. I haven't received a refund for a payment a month later.
Consumer complaint received 2021-08-05
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. (FL)

I have attached two accounts that are currently reporting to my 3 credit bureaus and all three of them are inaccurate, per the FCRA they have to report accurate information. I want them accounts deleted from my 3 credit bureaus. I have highlighted all the inaccuracies.
Consumer complaint received 2017-04-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

Hello, Inadvertently this complaint  (   XXXX  ) was closed. Nissan sent a reply but that reply is inaccurrate & they lied in that letter.     They have made this look like I was at fault. Consumer protection is in place for harrassing calls which I received over  XXXX  per day for over 14 days. A Nissan representative even told me I was placed on autotomatic dialer which I never game permission for this. My statement to be placed on the do not call list was way after their harrassing attemps.     My loan was    XXXX   XXXX   XXXX    but in   XXXX   XXXX   I requested a payment date change to the  XXXX  each month. I have paid my loan consistently with also receiving   XXXX   extensions but paid my loan each time NEVER LATE. In   XXXX   XXXX   I split my payment & STILL PAID within 30 days ... never late.     I clearly explained I would be paying my loan for the next couple of months past the  XXXX  but never later than 30 days.     I was told that was  XXXX  & I would receive " A '' call as a reminder. But I received  XXXX  calls plus per day for  XXXX  plus days. THIS IS HARRASSMENT.     Nissan broke the law and consumer protection. I WILL HIRE an ATTORNEY to sue Nissan if they do not apply the  XXXX  per call as settlement.     Thank you.
Consumer complaint received 2017-09-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (IL)

We represent the seller on a short sale of his home. XXXX issued a short sale approval letter to our office on XXXX XXXX via our equator account. That approval was dated XXXX XXXX, but we only rec 'd it on XXXX XXXX. We informed them at that time that buyer had a loan to get approved and we would not be able to close by the deadline of XXXX XXXX contained in the approval letter. On XXXX XXXX, we requested an extension of the approval good thru XXXX XXXX. All docs requested by XXXX in order to review for the extension were sent to XXXX via equator on XXXX XXXX. On XXXX XXXX, XXXX closer messaged us that the extension was approved and that she would send the revised extended approval letter to us via equator as soon as it was generated by the QC dept. We repeatedly messaged and called over the next XXXX weeks to ask where the extended approval letter was and why it was taking so long to get issued. They finally got a supervisor involved who said we could submit for a final HUD approval without the extended approval letter. We informed them that we could not do that as the buyer 's lender required a copy of the extended approval in order to get their clear to close. We are still waiting for the extended approval letter and are now in need of another closing date amendment since the XXXX XXXX estimated closing date that we set back in XXXX XXXX is now past.
Consumer complaint received 2019-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

XXXX has been, and is currently, reporting my XXXX store card inaccurately to all three credit bureaus, and to XXXX XXXX who currently holds the account. I have disputed XXXX with Equifax, XXXX, and XXXX. I have had zero success and they are all still reporting this account delinquent and/or have not provided validation of the debt and its accuracy. I also called XXXXXXXX XXXX XXXX card services via XXXX ( XXXX ) XXXX on XX/XX/2019 and spoke with a representative who informed me that they do not have any of my account information anymore due to the migration to XXXX  XXXX. I asked the representative numerous times to provide my account history, statements, information, alleged missed payments, due amounts, proof that it was closed in XX/XX/2019 and WHY or HOW it was when they did not own this account, and the reps told me that my information wasnt accessible because they dont have any of it on file. Apparently after they sent it to XXXX XXXX, whom they reported my account closed in XX/XX/XXXX to, the account was no longer in their system. It did not exist. This is a problem as XXXX XXXX only has statements up until XX/XX/2019, is stating my account was closed as of XX/XX/2019, and collected {$160.00} on it this month without me knowing it was a closed collection. I called XXXX XXXX ( via the number on the back of my XXXX card ) and they told me they can not do anything as of right now because my account was reported as closed in XX/XX/XXXX and that is all the data they have from XXXX. The rep from XXXX XXXX told me to call XXXX to see if they could do something about my card being closed and inaccurately reported, but XXXX stayed they no longer have my account information in their system. Additionally, the XXXX XXXX XXXX rep told me that I could just reapply if XXXX   couldnt provide any information. I re-applied for the XXXX card through XXXX  XXXX and received a denial letter with the reason stated as follows : Based on your application information, we observed activity on a prior XXXX XXXX account that is not consistent with our expectations for account usage or the terms of the account agreement. So, I was denied due to the current XXXX card account status that is reported as closed invalidly, as well as incorrectly documented in their system, having no information past XX/XX/2019. This account, the one that wasnt closed at all actually, the one XXXX ILLEGALLY closed this month XX/XX/XXXX when they transferred/dont even have access to or own my account. Im literally stuck with a plummeting credit score, loss of time spent trying to correct this, and paying for a closed card that has no actual records beyond XX/XX/19 on either end.