davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-02
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: EQUIFAX, INC. (LA)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : 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 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 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 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 2023-04-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION (VA)

I opened a new Truist Simple Business Checking account using promo code XXXX. The code was successfully applied and can be found at offers.truist.com. The promotion terms say : " 1. Make {$1500.00} or more in qualifying deposits into the new business checking account within 30 days of account opening. 2. Enroll and Sign In to Truist Online Banking for Business within 30 days of account opening. '' offers.truist.com shows that I have completed requirement 1 successfully ( see the attached screenshot ). For requirement 2, I have enrolled and signed in to Truist Online Banking for Business on XX/XX/2023, the date on which I opened the Truist Simple Business Checking account at the branch. Please see the attached screenshot from my Truist business checking account showing the online login I have done since account opening. However, there seems to be a systemic error at Truist that did not acknowledge that I had fully fulfilled requirement 2. Hence, Truist did not send me the promotion bonus. Would you please investigate and resolve this issue? Thanks.
Consumer complaint received 2021-06-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Closed my checking and savings around XX/XX/XXXX, they said they would send my final check from closing the accounts within 7-10 days, I have contacted capital one multiple times and get the run around about the check was returned, invalid address, but I get my statement from them at the address listed? We will XXXX  it to you, and nothing. Now they are saying I need to wait to see if someone else cashed it? Another lie! If not then I need to wait 7-10 more days for my money! I am beyond livid!
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

ftc violation XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX address is wrong XXXX card services FTC violations
Consumer complaint received 2022-08-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

I have previously sent many complaints to this company regarding my disputes with my consumer report. I have also called this company to get an update on my disputes in light of recent investigations brought upon Equifax. 

Over the past XXXX  years, I have made several attempts to remind you of your duty pursuant to 15 USC 1681. It appears that you're intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. I am making this complaint as another attempt to have these errors corrected on my consumer report. 15 USC 1681i ( XXXX ) says that after the reinvestigations all of the unverified information must promptly be removed. You can see in your system that this account was previously disputed without being thoroughly investigated thus I know that it can not be verified or validated. 

Please remove these accounts from my report IMMEDIATELY : - XXXX XXXX XXXX  - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report 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 Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy.

I contacted " THE COMPANY '' and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me.

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Consumer complaint received 2021-06-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Credit Network Inc (CA)

The debt in collecting which is being disputed is a medical bill from a car accident which happened in XX/XX/2018. On the date of the accident, the emergency service arrived, they inquired if any of the participants of the accident would like to be medically examined. Everyone including myself declined the examination because I had no severe injuries and. Because the police had not yet arrived, they presumed to gather the details of the accident as well as our personal information. Due to my relocating of residences during the time, I never received any information of the debt and therefore was unaware of the collection.
Consumer complaint received 2021-06-24
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALCOVA MORTGAGE LLC (FL)

I applied for a mortgage after I give all the documents, loan was pre- approved and my daughter spoke with with mortgage broker trying to an understanding of closing costs and mortgage payment, I believe their was misunderstanding between the mortgage broker and my daughter. After, my daughter apologized and the mortgage broker accepted the apology but he dont be surprised if I dont do the closing. For me he did that just because of my daughter. I am the customer not my daughter. So he call my son today to we not qualified and we are loosing {$5000.00} down payment. Its not fair. And he lied to by having someone called as vice-president of company, to let us know that he was fired. Broker name ( XXXX XXXX )
Consumer complaint received 2022-05-02
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: Experian Information Solutions Inc. (TX)

I checked my credit score and noticed a change. There was an XXXX XXXX Credit card on my credit report being delinquent. I called the merchant and they check the account with my SSN, name address and said i do not have an account with them. The account that is listed on my credit report is fraudulent. This must be removed.
Consumer complaint received 2021-06-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JDJ Investments, INC. (LA)

Upon checking my credit file Ive noticed a company cbs collect has been negatively reporting debt owed. I have never done business with that company nor was I ever contacted on behalf of the alleged debt. I would like all accounts from the above to be removed from my credit file.
Consumer complaint received 2021-06-23
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)

The accounts listed above do not reflect any correct transactions done by me. My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 

FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.
Consumer complaint received 2023-04-06
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. (TX)

I had reached XXXX XXXX, XXXX  and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.
Consumer complaint received 2022-10-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc. (NC)

On XX/XX/2022 I contacted XXXX XXXX Because I was denied an apartment rental due to having a utility on my credit report. I contacted them to inquire what happened. I spoke with someone by the name of XXXX. She stated to me that two accounts were associated with my address. One was a mistake. The other was current. She notated that on my account and stated that I needed to contact the debt collection company to have them submit a dispute. I contacted the company, but the company require that I give them additional information and that I owe the money. I said I dont. Dont call me. I spoke with a woman named XXXX at the debt collector. She even gave me her direct line number. I asked her how long it would take
Consumer complaint received 2021-06-23
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account of XXXX, XXXX, {$700.00}, XXXX. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -ACCOUNTS- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$8000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$700.00} -This is not my account. 












-COLLECTION ACCOUNT- 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$1400.00} -This is not my account. 


I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity. 
Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon. 



Sincerely, XXXX XXXX XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Enc. : Drivers License, Social Security Card, Utility Bills, Police Report.
Consumer complaint received 2020-07-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$5200.00}, {$1600.00}, {$7700.00}, {$0.00}, {$1600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

4. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 

-- PERSONAL ACCOUNT 5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account.
Consumer complaint received 2022-05-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (NY)

Hi, Good morning. I financed a XXXXXXXX XXXX XXXXXXXXi was paying the car but, I moved from XXXX XXXX to XXXX. I can't afford to pay the loan. & the car have some issues that I can move the car.XXXX take the car and sale maybe I owned money tickets ect.but the loan is going up every year..from XXXX to this date. the Comapny Name is ( credit acceptance financed ).
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RoundPoint Mortgage Servicing LLC (FL)

RoundPoint Mortgage is not reporting my payment made to them for the months of XXXX -XX/XX/2020. The co-borrower and I agreed to a Forbearance plan by which we would pay {$500.00} per month for the months of XXXX- XX/XX/2020. The amounts paid for said months were the full mortgage amount of {$1700.00} or an amount greater than {$500.00}. Per the credit reporting Act, Round POint violates  fair and accurate reporting of payment made to their bank. Additionally, Round Point changed the agree mid XXXX to state XXXX  payments were due under the forbearace plan withour my consent or approval. This is fraudulent on behalf of the bank and should be investigated and fined.
Consumer complaint received 2018-02-16
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX I called Equifax and told them to remove hard inquires on my credit report because I did not authorize the hard inquiries. Equifax replied to me by mail dated XX/XX/XXXX and told me they will not delete the inquiries because they are verified as accurate. XX/XX/2018, I sent Equifax an inquiry removal letter, because I have hard inquiries on my credit report that I did not authorize. I received a reply letter from Equifax dated XX/XX/XXXX stating that they will not remove the inquiries because they are verified as accurate.
Consumer complaint received 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Collection US DEPT ED XXXX Balance {$570.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance {$4200.00} Date opened : XX/XX/XXXX US DEPT ED XXXX Balance {$10000.00} Date opened : XX/XX/XXXX US DEPT ED XXXX Balance {$11000.00} Date opened : XX/XX/XXXX US DEPT ED XXXX Balance {$6200.00} Date opened : XX/XX/XXXX US DEPT ED XXXX Balance {$5100.00} Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} Date opened : XX/XX/XXXX US DEPT ED XXXX Balance {$9500.00} Date opened : XX/XX/XXXX US DEPT ED XXXX Balance {$5000.00} Date opened : XX/XX/XXXX US DEPT ED XXXX Balance {$5500.00} Date opened : XX/XX/XXXX US DEPT ED XXXX Balance {$5300.00} Date opened : XX/XX/XXXX US DEPT ED XXXX Balance {$11000.00} Date opened : XX/XX/XXXX Late Close : XXXX-Balance $ XXXX Opened : XX/XX/XXXX AXXXX-Balance $ XXXXDate Opened : XX/XX/XXXX XXXX