davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-08
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: EQUIFAX, INC. (MD)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXXXXXX : {$0.00}
Consumer complaint received 2022-09-08
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: EQUIFAX, INC. (IN)

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc (OH)

I filed a Dispute with Chime XXXX  XXXX XXXX  and XXXX XXXX  on an unauthorized transaction to a XXXX XXXX XXXX XXXX in XXXX Overseas for the amount of {$1100.00}. My information was stolen from my phone and they hacked into my accounts and changed my information on my Chime Credit Builder account and made unauthorized purchase overseas on XX/XX/2021 Chime member services changed my name to someone else on my account unauthorized. My email and phone number on XX/XX/2021 from this person who hacked my account. I disputed the Transaction and sent them information evidence they sent me threw my new email on my account because had to change old one that was used hacked into.they closed out my cards and sent me new ones on XX/XX/2021. Now I am still fighting for my dispute from money that was stolen out of my account. The Dispute ID # XXXX with Chime The XXXX XXXX  and XXXX XXXX. They keep denying my claim with out sending me information why it was denied. I had a hold and suspicious activity on this account all noted in there systems and emails. I contacted them everyday filed police report, Cyber Crimes report and sent them eviendece 3 times or more and still they denied my dispute. They will not tell me why and hang up on me. This was an international transaction threw XXXX and My international transaction is blocked in my account so I don't see how this happened in my account I think it was an inside job A chime worker who did this. They said on their website that my money was FDIC insured and my data and information was safe but it wasn't safe. I do not trust Chime XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I've been trying to get unauthorized hard pulls from my credit report since XXXX of XXXX thru XX/XX/XXXX, each time if file disputes with Transunion and XXXX nothing happens, i have a XXXX and I'm and XXXX American, the unauthorized hard pulls on my credit report prevent me from getting car loans, I've attached again a new record of dates, i filed a complaint with local XXXX against XXXX XXXX XXXX XXXX, they refused to remove the unauthorized pulls. I'm currently under doctor 's care because of my decreasing health due to chronic XXXX XXXX i get from riding a city bus, this has been going on for over a year. I'll be reaching out to the FTC on Tuesday for help. XXXX and Transunion recently got fined millions of dollars for activity like this to renters, they're doing the same to people of XXXX when it comes to credit.
Consumer complaint received 2017-08-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

I am trying to retain ownership of my condominium through a modification process. I applied for a modification with Ocwen in XXXX XXXX On XXXX XXXX XXXX I was informed via telephone that my modification had been approved. Ocwen has their loans serviced in XXXX. My relationship manager has a very thick accent and I am unable to understand what they are offering me. I have called back several times and received different responses from different individuals all of whom were nearly impossible to understand. I have requested numerous times that my call be transferred stateside to the US and it is virtually impossible to get them to comply with my request. The language barrier and comprehension of my questions/concerns are proving too difficult to understand my legal obligations. On XXXX XXXX XXXX I spoke with XXXX ( ID # XXXX ) and he informed me that the modification was temporary. My payment was dropped from {$490.00} to {$340.00}. I inquired about the details of the permanent modification and they refused to give me any details in writing about it. I asked for it via email and US Mail and was told that it was not possible. I have numerous questions regarding the terms of my temporary modification and what is likely to be on the permanent modification. I am very hesitant to sign the temporary modification because I feel that the deal is too good to be true. Additionally, I need for my relationship manager to be located in the US. A mortgage is a long-term commitment and binding legal document that I want to be sure that I understand everything before I sign on the dotted line.
Consumer complaint received 2017-08-19
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

My card was closed by the company. I ended up paying off my card in order to delete from my credit report. Not only are the late payments still showing but the account overall was n't deleted. It 's making it difficult for me to obtain large purchases due to this. I need this to be removed as I was doing a pay to delete when I spoke to a rep.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I see XXXX XXXX XXXX on my Transunion credit report. I tried contacting both XXXX XXXX XXXX  and Transunion, but none have solved the issue. I am unaware of this account on my credit report.
Consumer complaint received 2017-08-31
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Global Equity Finance, Inc. (CA)

Trying to refinance or streamline present mortgage. Have low credit scores and several companies trying to " assist ''. XXXX XXXX from Global Equity Finance , Inc contacted us and said they can assist ... records I have begin on XX/XX/XXXX. Spoke with XXXX a week ago and said he just needed records of payments to XXXX which I sent. At that time he said loan was to close at the end of this month. I tried to call Monday, XX/XX/XXXX and the phone had a message that XXXX was out of the office. I tried to call XXXX and Global Equity today XX/XX/XXXXand both numbers were not working. 
Contacted the FTC who advised me to contact XXXX XXXX and put a 90 day fraud alert on the credit report and requested I put a monitor on the accounts which I did, hesitantly. 

Prior to sending payment record from XXXX I submitted all credit information via fax, email and telephone.
Consumer complaint received 2017-08-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Dyck-O'Neal, Inc. (ID)

I am selling my house to my ex-wife, XXXX XXXX. When she was ready to close a 2nd mortgage popped up that I had not seen or heard of for 10 years. XXXX XXXX XXXX was the 2nd loan I had orginally taken out to purchase the house. When they went of business I assumed that XXXX XXXX  took over the 2nd loan since they had taken over my 1st loan. I did n't receive anything from any other bank and currently nothing. Eleven years have passed since then and another lender took over for them in the mean time ... XXXX XXXX. I do not have this 2nd loan showing on my credit report. I 've spent 3 weeks trying to find out who assumed that second loan. There 's nothing on the title and no one could help me. My ex-wife finally order a title report and she emailed to them. She is showing on the deed only, not on any of my loans. They told me after a few days that the loan had been sent to collections with Dyck O'Neal Inc. I called them and spoke to a representative named XXXX. He told me that they had it. It had been there for 10 years. It had accrued interest in the amount of {$14000.00} plus the XXXX that was owed. Then he asked how much the house appraised at and how much money my ex-wife was getting back. Then maybe they would consider removing some interest? She was only approved for the original balance. I do n't think this is right. I feel that since they made no effort to get a hold of me and it was n't showing anywhere on my credit report or with the county on the title that that 's not legal. I 've exhausted every avenue and want to get this over. I also believe that the 2nd loan was charged off. Thats why it 's not showing anywhere?
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2017-08-21
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: Riverwalk Financial Corporation (NC)

Deville asset management company is currently showing on my credit report. I have never been contacted by this company either by phone or mail in any attempt to collect a debt. This company is not licensed in the state of North Carolina to collect a debt. I 've tried to contact this company with no response. I would like this company removed from my credit report.
Consumer complaint received 2017-10-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HSBC NORTH AMERICA HOLDINGS INC. (SC)

HSBC is attempting to collect a debt that was a result of identity theft. I have disputed with the credit bureaus and have sent my official police report to them to resolve. No success. This is a violation of the FCRA and FDCPA for identity theft victims. Please help me resolve this matter quickly before any further damages are incurred.
Consumer complaint received 2018-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was currently applying for an unsecured credit card with Capital One Bank USA. Once approved for the card, some 3 of the same type of inquiries ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) showed up on my credit report that I didnt do. Please check into this issue so it doesnt affect my credit score.
Consumer complaint received 2017-08-19
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: Experian Information Solutions Inc. (NY)

1. I wrote and mailed a dispute letter to experian on XX/XX/XXXX 2. The responsed with a letter on XX/XX/XXXX stating that the account in question was verified by creditor but provided no documenation or  evidence 3. I called them on two occassions XX/XX/XXXX and XX/XX/XXXX to delete this account from my credit report and both times were denied My next step is to start ligitation against experian
Consumer complaint received 2017-08-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Alorica Inc. (FL)

Global receovables never sent the letter of assignment outlined under fla stat XXXX notifying me of my right to dispute under section XXXX of the FDCPA. This agency made no attempt to send aforementioned letter to my correct mailing address [ deltona is n't my address ) as listed on my credit. Furthermore, I 've had insurance since XXXX/XXXX/XXXX and all medical bills inxurred this year have been pd through my insurance.
Consumer complaint received 2017-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (GA)

Southwest Credit Account # XXXX XXXX {$860.00} I keep receiving collection notices from Southwest Credit and I have responded to them in writing letting them know that I do not owe this debt and I have never done business with them or their original creditor XXXX. They have ignored my written response and continue calling me and trying to collect the debt. They have the unverified items listed on my credit report in violation of the Federal law. I have requested validation of this alleged account but all I get is a bill as a validation. I have asked them to provide me with a copy of a contract with my signature obligating me to this debt but they have not been able to do so. This debt has been in dispute since XXXX 2017 which is more than the 30 day dispute period outlined in the FDCPA. I am fully aware of my rights under the Fair Debt Collection Practices Act and will not hesitate to take all legal steps necessary to protect myself. Again I am disputing this debt and I am keeping accurate records of all correspondence including tape recording all phone calls.
Consumer complaint received 2017-08-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (IL)

I entered a complaint XXXX The complaint was closed. But this is not my decision. This mortgage company sent me letters about the property tax Never in those letters they specified I needed a XXXX policy If I knew I needed a XXXX policy, I would have purchased I read my mortgage disclosure and never in that document it mentions requiring a XXXX policy. Nevertheless I provided them with a new XXXX policy, now the mortgage company wants to have me pay for the laspse If I never needed XXXX before, why would I pay a lapse in insurance? I feel like I have no rights with this company as a consumer I struggle to get anywhere when I have never missed a payment and I have always cooperated with them. This company has no respectable communication when I have been nothing but forthright and I have always provided the documentation they have needed.
Consumer complaint received 2017-08-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EOS Holdings, Inc. (CA)

ATTENTION COMPLAINT DEPARTMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Complaint Department Dear Sir or Madam : I am writing to dispute the following information in my file. EOS CCA XXXX Status Closed Balance {$140.00} Type Collection Payment Status Late EOS CCA XXXX Status Closed Balance {$180.00} Type Collection Payment Status Late EOS CCA XXXX Status Closed Balance {$140.00} Type Collection Payment Status Late EOS CCA XXXX Status Closed Balance {$58.00} Type Collection Payment Status Late XXXX XXXX XXXX and collection company did not have my correct address on file, after my credit report company contacted me to report this change I became aware of the charges I immediately called and paid in full. I am requesting that the item be removed to correct the information on my credit report. Please reinvestigate this matter and remove the disputed item as soon as possible as Im in the process of purchasing a home! If you have any questions please feel free to contact me at XXXX XXXX XXXX XXXX or XXXXXXXXXXXX. Sincerely, XXXX XXXX
Consumer complaint received 2021-06-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC
Consumer complaint received 2017-08-18
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. (IL)

On XXXX XXXX XXXX, I submitted a complaint through CFPB about Equifax reporting numerous inaccuracies on my credit report. The complaint was received by Equifax on XXXX XXXX XXXX. Equifax responded on XXXX XXXX, XXXX, stating that they would not respond to my complaint via CFPB portal because they suspected that I was using a credit repair company, which I have not, and that Equifax will send me the results of the investigation to my mailing address. I let a week go by and still I had not received the results of the dispute I submitted. On XXXX XXXX, XXXX I called Equifax and asked them why I had not received the results from my dispute that they said was going to be mailed to me on XXXX XXXX, XXXX. The customer service rep stated that they just received the complaint on XXXX XXXX, XXXX and the dispute should be completed by XXXX XXXX, XXXX. This is ridiculous and I believe Equifax is using a stall tactic to give themselves more time. I t has been 30 days since Equifax received the complaint through CFPB and these disputed items should be deleted immediately.
Consumer complaint received 2021-06-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

Upon checking my credit reports I attempted to contact a creditor via certified mail using the address provided on my Equifax credit report. XXXX also provided the same address for them. The mail ended up being returned to me for a bad address. .I then initiated a dispute based on a false address on my credit report and returned mail via certified mail on XXXX. I sent them supporting evidence of USPS tracking showing the returned mail, the contents of the original letter to the creditor, and the address for the creditor on my credit report, showing the address I sent to. Equifax signed for my letter on XXXXOn XXXX Equifax responded ( confirmation # XXXX " Adverse accounts will be deleted in 7 years '' " We Verified the item belongs to you '' " We verified the item is being reported correctly '' " Contact creditor directly if you have further questions '' Providing the same bad address mind you. 

Nowhere in my letter to Equifax did I ask for verification of the alleged debt, nor it's reporting other than the bad contact address. 

On XXXX I sent a follow up letter to Equifax, the exact same letter with a PS. The PS informed them of their failure to properly investigate my dispute based on the bad contact address for the creditor. I also stated that I have no correct address to send correspondence to the creditor. With this letter I included a picture of the physically returned letter. I demanded a 15 day reinvestigation and if this creditor could not supply a good address to send mail to, to remove the erroneous item from my credit report for providing false information. They signed for my letter on XXXX and responded back to me on XXXX Confirmation # XXXX with simply " Adverse accounts are removed automatically in 7 years ''. Again showing to contact the creditor yet again with the same bad address. 

Clearly this shows an incompetent and botched investigation. At the bare minimum Equifax should have demanded the creditor to provide the correct contact address, or delete the falsely reported item from my report. 

Enclosed are the letters I sent to Equifax with signatures for the letters, Their Responses, An Equifax credit report showing the creditor 's address, A scorsense credit report showing the same address, A picture of the returned mail, and usps tracking showing the letter being returned to me.
Consumer complaint received 2017-08-18
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A. (FL)

I submitted a dispute about the balance along with documents to another company. I asked for proof of the amount owed. I was asked to call a toll free number. The PDF named PNC Bill Pay shows a cancel option then the message appeared. This made no sense. I am wondering if it is like entrapment or whatever. I had a case in XXXX XXXX in XXXX that the bank did n't cover a rent check. I called PNC and told them the check should have never been sent out. The message showed up after talking with a employee and him saying something like try the payment for the date shown in the PDF.