davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-15
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. (TX)

I would like to complain about the closed accounts thats on my credit report those accounts are closed and still reporting negative information on my and its against the law I have rights FCRA 15 u.s.c 1681i Im telling yall those closed and negative accounts are not mines there are do to fraud and the accounts are not mines I dont care how the information matches Im telling you to please remove them close and negative accounts on my account please, please stop updating those fraudulent accounts with my information just please remove them they are not mine and if the accounts are closed how and why are they still reporting on my report thats against the law and Im not stopping until they are gone its not fair to people to be a victim of identity theft and still nobody cares to believe us we have rights please stop updating the accounts wit my personal information I want them removed off my account please Im asking again and again to remove those closed and negative accounts on my credit report they are not mines
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

Credit reporting agencies are reporting wrong personal informations to lenders. 
I need all wrong personal information that are not min to be removed now. 
I have been a victim of fraud and identity theft and I want only my true information to be reported.
Consumer complaint received 2022-12-27
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. (NC)

I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2018-10-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NJ)

On several occasions I tried to get my mortgage company to modify my mortgage. They said I did not make enough money and this last time they said that they did not have all the documentation ( which was not true ) This last time they said I was too far behind. I have been trying to modify this mortgage for a number of years. 
I called the mortgage company to get a copy of the application and Truth and Lending Statement. 
The mortgage company sent me a copy of the Truth & lending Statement two copies of the Truth & Lending Statement one was written in with one set of number and the other had another set of numbers.

So it appears that the Truth and Lending Statement was " fixed '' after I signed at the closing. 

Later I find out that the original mortgage company XXXX XXXX went out of business because of fraud. 
I think Ocwen wanted me to loose my house so I would never find out that there was fraudulent documents.
Consumer complaint received 2018-10-07
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. (VA)

After careful review of my credit report, I disputed a public record on my credit file and asked that the credit agency send me information on how this account was verified. I have send two letters requesting this information and all they will send me back is that the item was verified. They have ignored my request and sent back information that is not accurate. They have acted in bad faith and not complied with the Fair Credit Reporting Act. They have sent that I have a derogatory credit status when I have over 11 accounts with 100 % on time payment history. Student loan accounts PAID in full. I have worked hard to improve my credit and if they are not going to keep the file accurate it is Defamation of character, negligent on their behalf.
Consumer complaint received 2021-03-30
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: TD BANK US HOLDING COMPANY (IL)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

TD RETAIL CARD SERVICE Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2022-01-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. Not only have them ignored my prior requests for validation of debt ( see enclosed copies of receipts letters ) but they also continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow guidelines of The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.
Consumer complaint received 2020-10-21
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 (PA)

On XX/XX/2020 I contacted my Capital One credit card company to dispute a transaction I had made. My dispute was made clear to them, it was with " XXXX '' for putting a hold on the transaction amount {$5000.00} that was to be paid to the merchant. The dispute had nothing to do with product purchased or the merchant directly. 

A few day after filing the dispute and fighting with XXXX I was able to get the funds released solving the problem I was having. I immediately called Capital One to notify them I had resolved the dispute. Capital One informed me because of the dispute the item has been credited back to my account temporarily. They informed me of their process and that the merchant would have to reply to the dispute to cancel it. 

I have made an extreme amount of phone calls to Capital One to resolve the issue with them not giving me a direct answer and the problem not solved. I have spoken to all parties involved in my dispute Capital One, XXXX, and Merchant. It is my understanding that the forms for the dispute are being sent to XXXX but XXXX is not forwarding the forms to the Merchant. Capital One has done nothing to resolve that. 

Back to the dispute I actually filed. Capital One should be questioning XXXX why they held the funds from the merchant. The actual dispute should not go to the Merchant because it was XXXX who was the problem. Capital One should ask XXXX were the funds released? To me that would answer and end my actual dispute filed. 

Capital One and XXXX both have very poor communication skills. They both have policies and they conflict each other. 

Currently the dispute is being still pushed on the Merchant. I speak to the Merchant daily and we both have made calls with no resolution. I also would like to add that I have paid the {$5000.00} back to Capital One because I'm a good customer. Capital One has issued a temporary credit of {$5000.00} and reduced my available with this amount which will cause me a negative impact to my credit score. I  owe them nothing they shouldn't have done that.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

Recently I have looked at a copy of my credit report and noticed several inaccuracies on my account. This account has been detrimental to my ability to acquire credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item i am asking you to verify as accurate : 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
Consumer complaint received 2021-02-27
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. (FL)

XXXX XX/XX/2020 I filed a complaint about inaccurate information on my credit report. There were unauthorized accounts and unrecognized accounts.These inaccurate items need to be removed immediately.
Consumer complaint received 2020-12-13
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. (TX)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response. I feel like Im being taken advantage of, and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will be seeking litigation due to the stress this has caused me. My information was also impacted by the Equifax data breach and may have fell into the hands of the wrong person.
Consumer complaint received 2022-01-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (SC)

on XX/XX/2021 I request Validation of the debt they sent back a bill on XX/XX/2021 I sent a second Request they sent back the same bill how did Wakefield Associates validation the debt as mine because they called someone I asked for some type of evidence but they said in the letter I submit twice they called to validation Wakefield Associates has not validation the debt having my name or address is not proof my second letter I asked for original contract, date signed, was this debt assigned to a debt collector or purchased, amount paid if purchased ,1099 c if it was a write off or a charge off, I need your office Wakefield Associates to provide the proper documentation as request anyone could fraudulent this account with a phone call
Consumer complaint received 2022-01-19
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent letters about some items on my report. I have not received any response back. I feel like my letters are being ignored. This is very frustrating and this is causing me unnecessary XXXX I have done my part and followed the law but I have not been awarded the same courtesy from the credit bureaus. I request a response and demand for these items to be immediately removed from my credit report.
Consumer complaint received 2018-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Open Assets LLC (PA)

I entered into a contract with XXXX XXXX/XXXX and the date of my last payment was XXXX XX/XX/XXXX. This account was brought by XXXX XXXX XXXX on XX/XX/XXXX. Date of Delinquency XX/XX/XXXX. I personally feel as though the Statute of Limitations have expired on this account based on the year the judgement was filed. In addition, there was no renewal of the initial judgement entered. This neglect was due to a divorce and loss of job. I really feel as though this judgement must be removed from my title on my home based on the Statute of Limitations.
Consumer complaint received 2021-06-25
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: JPMORGAN CHASE & CO. (VA)

I traded a XXXX XXXX XXXX into a local dealership in XX/XX/XXXX. The dealership called Chase for the payoff and the lease was paid in full. Over a month after I traded the car, Chase says they sent a letter to me for damages to the vehicle totaling {$970.00}. I was never notified a vehicle inspection was being done. I was not present for any inspection, therefore am unable to validate an inspection actually occurred or who performed the inspection. I was never late on any lease payments. Chase reported me as charged off to the credit bureau in XXXX of XXXX with a balance owed for damages. I called Chase on XX/XX/XXXX, the automated system gave the message my account was paid in full, I spoke with a customer service representative who stated my account was paid and full and she would transfer me to credit bureau disputes because of the charge-off showing. The associate I was transferred to confirmed again my account was paid in full and she would submit the update to the credit bureau. I have been monitoring my XXXX and no updates so I called back today and spoke with XXXX who stated I owed a balance of {$970.00}. This is an unfair and deceptive practice to send a bill for damages without making me aware of the date and time of the inspection to be present. I have traded other leased vehicles in and was notified of the inspection so I could be present. The other issue I have is when I call the automated system and put in my personal information, the recording says my account is paid in full. If Chase shows I owe a balance, why would the automated system give misleading information. Lastly, XXXX did state he would submit a dispute on my behalf for the balance however, given the circumstances and conflicting information I have received, I don't believe Chase will resolve this appropriately.
Consumer complaint received 2022-05-03
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. (NY)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries/ accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-05-03
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. (CA)

I have contacted Equifax on multiple ocassions about the inaccurate reporting on my credit file. There XXXX inquiries associated with an identity theft of my personal information. The accounts that was associated with these inquiries were removed and I was told to file a report with the FTC and forwarded a copy of the report to Equifax. 
I did on XXXX occassions! They stated they did not receive a fax that I sent using a number they forwarded to me. I then sent a letter by mail that they stated they did not receive and finally I sent a registered letter which they confessed they received and was working on the dispute. 
This letter included a copy of the FTC report and a letter a orginally sent to them. I was told they had all the paperwork and I received a letter from Equifax stating they had deleted the inquires. That was not true and they still remain after 11 months! 

These are the XXXX inquiries : XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX
Consumer complaint received 2022-11-20
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. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX, AZ XXXX
Consumer complaint received 2022-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX Bank Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-03
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: EQUIFAX, INC. (MS)

In accordance with the Fair Credit Reporting act the list of account below has violated my federally protected consumer right to privacy and confidentiality under 15 U.S.C 1681. I didnt give any authorization to anyone to use my information date XXXX in person or online for to apply for any type of credit card, XXXX XXXX /Equifax has valet my right 15.U.S.C 1681 Section 602 A Section 604 A Section XXXX : its also state a consumer reporting agency can not furnish a account without my writing instruction 15 U.S.C 1692C ( A ) Without the prior consent of the consumer given direction to the debt collector or the express permission of a court of competent jurisdiction, adebt Collector may not communicate with a consumer in connection with the collection of any debt -15 U.S.C 1692 B ( XXXX ) not communicate by postcard 15 U.S.C 1692B ( XXXX ) Not state that says consumer owes any debt. 15 U.S.C1692B ( XXXX ) not use any language or symbols on any envelopes or in the contents of any communication effected by the mail or telegram that indicates that the debt collector is in the debt is in the debt collection business or that the Communication relates to the collector up a adebt
Consumer complaint received 2022-11-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

They have incorrect names on the report. 1st Violation I called about having address and phone numbers removed. XXXX Address on report 2nd Violation. XXXX phone numbers XXXXrd Violation. XXXX XXXX data reported 4th Violation XXXX accounts 5th Violation. XXXX Regular Inquiries 6th Violation. XXXX XXXX Inquiries 7th Violation. XXXX XXXX  XXXX Inquiries. 8th Violation. XXXX XXXX XXXX 9th Violation. I never consented to have any of my information shared with ANYONE.