davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-06
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: EQUIFAX, INC. (TX)

How many dispute letters and CFPB complaints do I have to send to the Credit Reporting Agencies for them to completey remove all the fraudulent information being reported on my Credit File? I have been disputing for the removal of the fraudulent accounts and information from my Credit File for quite a long time already, but the Credit Bureaus do not seem to be paying any attention to my requests! The Credit Bureaus continued reporting the disputed items and claimed to be verified without them sending me copies of proof of verification and or proof of ownership. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information completely from my Credit File. However, in my case, the Credit Bureaus did not only continued reporting the disputed items, they even claimed that the items are verified. Their willful non-compliance with the Federal regulation is a clear violation of a consumer 's rights which is under the protection of the Fare Credit Reporting Act. I am submitting this CFB complaint to appeal to the Credit reporting Agencies to once again, take a deeper look with my Credit File and remove all the disptued fraudulent items completely from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX, DE XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$21000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$270.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$38000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX XXXX Balance Owed : {$53.00} XXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2021-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capitol One Credit Card repetitively places my credit card payments on hold when my payment amount exceed {$200.00}, Although my account has no recent returned payments. I am being penalized. I make my payments from external accounts that are on/have been attached to my account since the issuance of my secured credit card. As of recent. XX/XX/2021. I made a payment of XXXX from my XXXX XXXX acct. I have made numerous payments from this account over the history of having this credit card. Yet- Capitol One held the payment for XXXX for 10 business days and I was provided no interest for my held monies on this secured credit card. XX/XX/2021 I made a payment from my Capitol One Checking acct in the amount of XXXX and these funds have been & are currently on hold for 7 business days. Again I gain no interest on my monies that are being held. The payments for XXXX and XXXX cleared my bank accounts and was deposited into my Capitol One Credit Card acct between 1-2 days. I have transaction transmit confirmation from my Checking acct to support this statement. Capitol One Credit Card has no reasonable justification to repeatedly hold my credit card payments. Not allowing me access to these monies. Capitol One Credit Card actions repeated has caused me undue financial hardship. During this time of pandemic.
Consumer complaint received 2023-03-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (TX)

I RECEIVED MY REPORT XX/XX/XXXX AND I FOUND THAT MY NAME LISTED WRONG AS WELL AS ADDRESS AND SEVERAL ACCOUNTS THAT I KNOW NOTHING ABOUT. IN ADDITION TO THIS, A COMPANY CALLED XXXX XXXX XXXX WAS ON MY CREDIT BACK IN XXXX WITH A COLLECTION COMPANY CALLED XXXX XXXX I GOT THIS ACCOUNT REMOVED IN XXXX. BY XXXX, A NEW COLLECTION COMPANY BY THE NAME OF COMMONWEALTH FINANCE HAS BOUGHT THE ACCOUNT AND IS TRYING TO COLLECT ON AN ACCOUNT THAT NEVER WAS MINE. XXXX XXXX KEEPS SELLING THIS ACCOUNT TO SEVERAL COMPNAIES. THERE ARE SEVERAL COLLECTION ACCOUNTS ON MY CREDIT THAT DO NOT BELONG TO ME SUCH AS : XXXX XXXX, COMMONWEALTH FINANCE XXXX XXXX XXXX
Consumer complaint received 2021-09-21
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (WA)

During the Pandemic, my mortgage company allowed Pandemic forbearances. I received this and assumed I was still in the forbearance period. Friday or Saturday Last week, ( XX/XX/XXXX or XX/XX/XXXX ), we received a notice of foreclosure via certified mail. I call the mortgage company yesterday ( XX/XX/XXXX ) and told them that I thought we were still in the pandemic forbearance period. They said that the forbearance ended in XXXX. I asked why didn't someone cal me or email me to tell me that I needed to do something prior to the foreclosure starting. They said they didn't have authorization to call me or email me. This is not true, as I have emailed and called and been called in the past. I also stated that I thought they were not allowed to foreclose during the pandemic and that there was a relief program in place for pandemic sufferers. 
The person that I spoke to was rude, continually interrupted me. Repeated the same thing over and over. Would not deviate from the scrip he was clearly reading from. When I asked to speak to a supervisor, he told me that there were none available. This could not be true. If there are people working, there are usually supervisors available.
Consumer complaint received 2021-08-17
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)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission and 15 US Code 1692e ( 2 ) ( a ) and ( b ), the latter was truth and lending act. They are reporting a collection as an Open account that is not under FCRA Compliance. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2021-04-06
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. (IL)

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX AT XXXX XXXX
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: FIRST ADVANTAGE CORPORATION (AR)

I was subject to a background investigation for employment. After providing my current and past employment history, my employment background report states for my present employment, " Subject has indicated they have no history to provide, '' which resulted in a score of " Decisional. '' This information in patently untrue. I provided contact information for my present employer, information that included the address of the employer as well as the name and contact information for my current supervisor.
Consumer complaint received 2021-04-06
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. (TX)

fcra violations : XXXX XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AZ)

Experian is reporting a foreclosure that never occurred. They were notified of the error in XX/XX/2021, and my bank just found that the record has not been corrected. Copies of the deeds were sent with the dispute.
Consumer complaint received 2021-08-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (TX)

I am not liable for this debt with XXXXXXXX XXXX and I do not have a contract with SW CRDT SYS plus they did not provide me with the original application like I asked.

Account No : XXXX Amount Disputed : {$70.00}
Consumer complaint received 2021-09-21
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. (GA)

To Whom It May Concern : My name is XXXX XXXX. I as alerted from my credit monitoring service that new inquiries were noted on my credit file. So I randomly Transunion credit report and noticed unauthorized inquiries listed on my credit report. I have contacted each company listed and have been given the run around. They have stated that there were no accounts in my name I am responsible for but stated I need to contact the credit bureaus as well. The credit bureaus can only investigate and remove hard inquiries. I have been a victim of identity theft in the past and this really scares me. I want to take any action possible to settle this asap please. I would like the hard inquiries removed. Someone have applied for items in my name and they need to be removed. I have frozen my credit report as well for added protection. According to the Fair Credit Reporting Act, the items must be removed. These are listed on my Transunion Credit Report. The unverified inquires are listed below : XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 I, XXXX XXXX , am giving full authorization for this request and removal of hard inquiries as stated above. The purpose of this request is for the removal of hard inquiries on my credit report as listed : XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XX/XX/2021 2021
Consumer complaint received 2021-04-06
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. (FL)

XXXX  XXXX XXXX has been in violation of the FCRA, FDCPA and the UCC over a course of years. If they do not get their facts corrected I will litigate.
Consumer complaint received 2020-12-08
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. (FL)

A couple of days ago, I checked my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize these accounts inquiries and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me.
Consumer complaint received 2021-05-20
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. (MI)

I have 2 XXXX XXXX accounts reporting on my credit report. The accounts were charge offs that were paid during settlement for a lesser amount. I have since launched 3 disputes with corresponding bureaus. The 3 bureaus have reported back separate payment status for the accounts.

Account 1 : XXXX shows ( Current/paid, updated XX/XX/XXXX XXXX Equifax shows ( derogatory, updated XX/XX/XXXX XXXX XXXX  shows ( unknown, updated XX/XX/XXXX XXXX. 

Account 2 : XXXX shows ( Current/paid, updated XX/XX/XXXX XXXX Equifax shows ( Derogatory, Updated XX/XX/XXXX XXXX XXXX shows ( unknown, updated XX/XX/XXXX XXXX. 

According to the previous, XXXX XXXX is reporting different status and and not providing accurate updates from each investigation, which is grounds for immediate removal. I am demanding the immediate removal of these accounts from my credit report across ALL THREE BUREUS as they violate my Fair Credit Reporting Act ( FCRA ) laws.
Consumer complaint received 2020-12-08
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)

A couple of days ago, I checked my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize these accounts inquiries and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me.
Consumer complaint received 2023-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I have two issues. At first, someone took my around XXXX without my knowledge and authorization. then another issue is Well Fargo Claim Dept. made error and took the money that I was supposed to paid for it. 

XX/XX/XXXX - {$210.00}, {$210.00}, {$400.00}, and {$270.00} XX/XX/XXXX - {$60.00}, {$27.00}, {$78.00}, and {$14.00} XXXX - {$12.00} XXXX - {$400.00}, {$210.00}, and {$210.00} XXXX - {$59.00} This is part where Wells Fargo Claim Dept. made error and took the money from XXXX that I was supposed to paid for it and my XXXX account is suspended. 

XX/XX/XXXX - {$140.00}, {$21.00}, and {$140.00} XXXX - {$90.00}
Consumer complaint received 2019-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NY)

TD Bank Is Charging me alot of Money On My Cheeking Account:XXXX Am Getting Charge For Overdraft Fees - {$70.00} and Am Getting Charge for a Provisional Credit Reverse on My TD Checking Account Please Help me With This Problem TD is Charging Me A Total : - {$730.00} on My Checking Account
Consumer complaint received 2020-06-01
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. (AL)

I was trying to cosign for my cousin a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. 

XXXX XXXX {$1600.00} XXXX  XXXX {$370.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Consumer complaint received 2023-01-18
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: Penn Credit Corporation (FL)

This Collection company is reporting fraud/identity theft to my Credit Reports : PENN CREDIT CORPORATION XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX Please close and remove off my credit reports
Consumer complaint received 2021-04-06
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: WELLS FARGO & COMPANY (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2023-04-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pressler & Pressler, LLP (NY)

XXXX XXXX XXXX bought debt from XXXX XXXX XXXX XXXX.. Debt was past NYS statute of limitations so XXXX XXXX XXXX first called multiple times a day after being sent multiple letters to stop contacting me. Next XXXX XXXX XXXX lied after being told they were past the statute of limitations by falsely saying I made a payment on XX/XX/21 to keep the account active. When asked to provide written proof I made a payment and how much the payment was for they said they can not release that information. XXXX XXXX XXXX are now trying to intimidate me by having Pressler, Felt & Warshaw LLP contact me with paperwork designed to make me think they could still sue me over the outdated debt.
Consumer complaint received 2022-10-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PROFICIO FINANCIAL SERVICES, LLC (WA)

XXXX XXXX XXXX XXXX  and proficio financial services were claimg a debt on a business i was running as my personal debt. 
There was no contractual agreements between me and XXXX XXXX XXXX XXXX, neither proficio finacial services. 
They are misrepresenting my credit.
Consumer complaint received 2021-04-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

My loan servicing transferred to Shellpoint on XXXX. Today XXXX I received an email from them containing a video. Which stated that my payment is due on or before XXXX. Stated at least twice during the video. I still have not been provided a loan number. A link to their website was provided. And guess what you can't get to your loan without a loan number that they have yet to provide. This is essentially electronic harassment, waste of my time and resources, and poor customer service. I can't mail or make my payment online because THEY have not given me a loan number. Despite their choice to email me electronically. And they guide me to their website which I can't access because of their failure.
Consumer complaint received 2022-03-01
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-02-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

On XX/XX/XXXX, I transferred {$300.00} to my friend by CashApp. I received a confirmation that the transfer was successful, but she did not receive the money. Both of us contacted CashApp support and she was told that they would have an investigation and it will take up to 60 days to be complete the investigation. It's been over 60 days and neither of us has received any form of contact from CashApp. I contacted CashApp support on XX/XX/XXXX and complained about not receiving a response from the company about the complaint. I was told that they had to investigate again to see what happened. According to the CashApp Support page on their website, an investigation should take up to 45 days and a provisional credit will be provided, which neither me nor the recipient received. The recipient was also informed that her account does not exist, so there is nothing that they can do. I believe fraudulent activity is going on and I've had several issues in the past with CashApp transfers and technical issues. The payment confirmation to the recipient shows that I did not send the money to the wrong person. I've sent money to the same recipient for years on CashApp.
Consumer complaint received 2019-03-07
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (MA)

I applied for all fixed interest loans and some how most of my loans are variable interest student loans. I asked them about this and all they told me at XXXX XXXX is thats just what they are. I already pay 12 % and up in interest and its subject to just keep getting higher. I know for a fact I applied for fixed interest so I wouldnt have to deal with the increase in interest rates later on but didnt think I needed to keep that as proof. Shouldve known better.
Consumer complaint received 2017-10-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MD)

Please refer to XXXX XXXX XXXX, which I filed on XXXX/XXXX/XXXX. Now some company named I C Systems Incorporated, XXXX. XXXX XXXX, XXXX XXXX, MN. XXXX and telephone number XXXX XXXX XXXX XXXX is claiming that I owe this {$370.00}. They again list XXXX XXXX XXXX XXXX as the original creditor. This information is listed on my latest XXXX credit report and even after I filed a dispute with XXXX I was told that the company is listing this debt as valid. The partial account number for this company is XXXX and the address identification number is XXXX. I would like this mess removed from my credit reports and I want it listed as " G '' claim filed with government.