davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX  XXXX {$7800.00} Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : experian, Please take notice that this letter dated ( XX/XX/2022 ) is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2021-05-24
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. (NV)

The nature of this complaint is towards ( i ) False Claims and False Credit Reports filed. ( Professional Negligence and Damages done to plaintiff 's personal credit ) XXXX CREDIT CARD falsely reported negative items on all 3 of my credit reports. ( Total Fraud ) Slander I now can not get a home loan or car loan or credit due to XXXX FALSE CLAIMS of delinquent credit in my name. ( I am a XXXX XXXX XXXX XXXX on a fixed income NOW LOSING MY HOME DUE TO POOR CREDIT ) XXXX of XXXX my credit was stolen and used in CA and NV without my consent or knowledge. I reported it stolen to XXXX and they stated to me they would do an investigation and remove the fraud charges from my credit card. I filed a police report with Las Vegas Metro and the FBI. XXXX never informed me BUY MAIL OR EMAIL THEY ARE DENIED MY FRAUD CLAIM AND PUT MY ACCOUNT AS DELINQUENT ACCOUNT AND RUINED MY CREDIT. XXXX NEVER DID AN INVESTIGATION OR LOOKED AT THE ATM CAMERAS. I am a XXXXXXXX XXXX XXXXXXXX with perfect credit all my life. I have sent request by mail proving I was not in the state when the fraud occurred on my credit card or am I the person on the ATM VIDEOS COMMITING THE CRIMES. 
( I am suing XXXX AND HAVE A COURT DATE ON XXXX XXXX in XXXX XXXX NV ) I will prove in court all my evidence of my innocence in front of a judge and to let the entire world know what XXXX has done to me.
Consumer complaint received 2022-04-28
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. (PA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat any payment on a credit card account under Any open end consumer credit plan as late for Any purpose.
Consumer complaint received 2022-04-28
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. (PA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat any payment on a credit card account under Any open end consumer credit plan as late for Any purpose.
Consumer complaint received 2018-03-04
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. (TN)

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX  ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've disputed these items with all three credit bureaus. I sent the disputes off by certified mail.
Consumer complaint received 2022-04-28
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: EQUIFAX, INC. (TX)

I am a victim of identity theft fraud. A non-close family member used my information to open up credit accounts when I was younger. Upon Checking my credit reports this year, I come to find out that those open accounts were charged off and never paid by the thief. These accounts are now hurting my credit score and hurting me financially to start up my future. The following accounts were the ones affected by identity theft. XXXX # XXXX XXXX  # XXXX XXXX  XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX  # XXXX XXXX  of XXXX # XXXX XXXX XXXX XXXX All of these accounts were not open by me and are still on my report. I have attached the FTC identity theft report. DELETE THEM ASAP PLEASE. 

FTC REPORTS # XXXX & # XXXX
Consumer complaint received 2022-04-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX  XXXX {$7800.00} Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : transunion, Please take notice that this letter dated ( XX/XX/2022 ) is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2021-07-20
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 (FL)

VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX, XXXX  AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING
Consumer complaint received 2022-10-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (ID)

Citi best buy : states that I signed up for " debt protection '' I called to cancel said feature and asked to be sent a copy of me signing up for said feature and got a response that they were unable to provide a copy of my agreement because of the age of my account opened since 2011. But according to their " records '' I did sign up for debt protection. So they granted no refund of any kind for the fee paid monthly which equates to {$30.00} dollars per month since 2011
Consumer complaint received 2021-12-09
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 — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC. (FL)

I have contacted XXXX, XXXX and Midland Funding LLC regarding incorrect reporting on my Credit report. Midland Funding LLC has incorrectly reported that I owe {$4300.00} of which they purchased the debt from XXXX XXXX. Midland Funding LLC has sued me in XXXX XXXX State of Georgia Superior Court. On XX/XX/2021 Midland Funding Filed A Dismissal with Prejudice to the XXXX XXXX GA State Court. I have provided this documentation and XXXX verified they have received the Documentation but advised me that the XXXX investigations indicates I am responsible for the Debt.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

I got Bank statements from Bank of America. I have not ever had an credit card, checking account, or savings account with Bank of America. On XX/XX/2022, i received 7 statements of other people opening an account in my name with my birthday and my Social Secruity number. The total amount of the 7 statements is {$25000.00}. Each statement was in another persons name. I have called Bank of American and have started a dispute with them. I told them I have never had an account with them and told them that this was fraud and identity theft. The have closed the account and working on the situation. I also called the police and filed a police report on XX/XX/2022.
Consumer complaint received 2022-01-10
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. (AL)

In XXXX and XXXX of 2021 I filed a dispute with the major credit bureau Equifax About the unverified info being reported from XXXX XXXX XXXX account number XXXX. 
I have sent XXXX notifications, I have not even seen if the account is in dispute or heard from them in XXXX months about this unverified account. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these companies in over 2 months as of today. Thank you
Consumer complaint received 2020-07-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: PNC Bank N.A. (DE)

When using the XXXX app, it displays my bank account informati incorrectly. Preventing me from using the service. XXXX says that its because my bank ( PNC ) will not communicate with them to update my account information in real time or at least within a 24 hour buisnis day time frame. XXXX app suggested to make a complai on this site
Consumer complaint received 2021-06-02
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have filed a formal dispute in letter form in regards to two items that were reported on my credit report that were inaccurate/false accounts. These accounts had an amount of {$240.00}, and {$470.00}, which were both in collections. I sent my letter in to the credit bureaus on XX/XX/21 and haven't heard anything about my disputes yet.
Consumer complaint received 2018-03-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I paid off a HELOC that I'd had with Bank of America N. A. by opening a new HELOC at XXXX XXXX XXXX. 

XXXX sent a payoff check that was received by Bank of America on XX/XX/XXXX. The check amount exceed the principal and interest due by {$650.00} Bank of America entered that amount as a Credit Balance Refund on XX/XX/XXXX. 

18 days later I called Bank of America to ask about the status of the refund check and was told that it could take up to 30 days for the check to be released. 

Effectively, Bank of America is borrowing MY money at zero interest. This is clearly wrong ; Bank of America ( and any bank in a similar situation ) should be compelled to refund such an overpayment immediately.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2021-06-02
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 — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (VA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

XX/XX/XXXXXX/XX/XXXX and Experian have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter and can't move on in life with these negative items reporting..
Consumer complaint received 2018-03-03
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)

Dear Sir or Madam : This letter is to dispute a billing error on my XXXX XXXX. The amount is inaccurate because I have paid the balance in XX/XX/XXXX but it hasn't been updated since XX/XX/2018. 

I have enclosed copies of to support my claim. Please correct this billing error as soon as possible. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-06-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

This is collection account is for XXXX XXXX which I do not owe. This account was removed from my credit report before but put back on it with out my knowledge. I do not owe XXXX it was disputed and removed from credit report then put back on. 
JEFFERSON CAPITAL SYSTEMS Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$570.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$570.00} Balance updated XX/XX/XXXX Recent payment $ XXXX  Monthly payment {$0.00} Original balance {$570.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX XXXX
Consumer complaint received 2022-11-16
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: PAR FINANCE, INC. (KY)

on or about XX/XX/2022 i sent a request to company regarding account level documentation about the debt company has failed to respond but continues to report negative information
Consumer complaint received 2020-06-02
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. (MI)

I have sent all 3 credit bureaus, the proper paper work on the this bankruptcy, I have asked them to give me something in writing stating how they got this information, all I want them to due is verify how they got this information in order to put it on my report. I have typed proof, that the United States Bankruptcy court didn't report this to any of them, also I have a typed report from XXXX also stating that they don't report. and also XXXX XXXX stating that they didn't report. So please explain to me in writing how you all got this information, to put on my report.
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. (NJ)

These accounts below are fraudulent and needs to be removed immediately XXXX XXXX XXXX XXXXXXXX XXXX during XXXX XXXXXXXX had a data breach and unfortunately I was a part of it and my identity was stolen along with XXXX XXXX other people and due to that is now causing fraudulent accounts reporting on my credit report shown above that dose not belong on my report
Consumer complaint received 2021-06-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

IM TRYING TO OBTAIN A LOAN MODIFICATION WITH SLS. 

UNDER THE CARES ACT XXXX AND RESPA, REGULATIONS ACT OF XXXX  XXXX  AND XXXX  THERE ARE SEVERAL VIOLTIONS I FEEL HAVE BEEN MADE AGAINST ME. I WAS NOT TOLD I HAD A SECOND MORTGAGE I RECIEVED NOTHING FROM XXXX TO XXXX. 
WITH GETTING SICK WITH XXXX  AND MY WIFES LAYOFF, OUR SITUATION IS EVEN WORSE. I FEEL SLS SHOULD PROVIDE A LOAN MODIFICATION UP TO 40 YEARS AMORTIZED AND DEFERMENT WHERE I AM ABLE TO PAY IN A TIMELY MATTER.
Consumer complaint received 2021-06-02
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. (CA)

Last year I discovered a false account with XXXX XXXX and XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX and XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but both have refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Consumer complaint received 2021-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (NV)

We refinanced our mortgage with Cardinal Financial in XXXX. Since we refinanced Cardinal has not been able to pay our property taxes in a timely manner. Property Taxes are due today an no payment is scheduled by Cardinal Financial. This will be the 3rd time Cardinal Financials has paid our Property Taxes late and I now have a late payment assessed on my property. Over {$1800.00} is due today and Cardinal Financial does not show payments for property tax until XXXX and XX/XX/XXXX. We have already sent in the late payments notices to Cardinal Financial and nothing has changed.
Consumer complaint received 2018-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (TX)

Dear Sir or Madam : This letter is to dispute a billing error on my XXXX XXXX XXXX. The amount is inaccurate because I have paid the balance in XX/XX/XXXX but it hasn't been updated since XX/XX/2018. 

I have enclosed copies of to support my claim. Please correct this billing error as soon as possible. 

Sincerely, XXXX XXXX