davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to dispute the following information in my file. I am a victim of identity theft, and did not make the charges or open these accounts. I am requesting that the item be deleted to correct my credit report. 
Enclosed are copies of a police report Please investigate these matters and delete disputed items as soon as possible. I have gone round and round with XXXX  and cant get these trade lines deleted. They do not take Identity theft seriously! the accounts in question are : XXXX XXXX Account number, XXXX XXXX Account number, XXXX   XXXX Account Number, XXXX XXXXXXXX XXXX Account number and XXXX XXXXXXXX XXXX Account Number. I send numerous letter to XXXX   registered and not registered. I have been living with my girlfriend the last 3 to 4 years. I am a victim of the equifax breach and others like XXXX and XXXX. Someone changed the address on my unauthorized credit cards to a hotel room in Arizona.
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC (NJ)

I called American credit acceptance a numerous number of times since the beginning of covid-19. I have been out of a job since XX/XX/XXXX. They told me that if I fell behind on my payment that it wouldnt effect me. Because, I was waiting on unemployment.
Consumer complaint received 2022-01-18
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. (MO)

I contacted XXXX and Equifax to dispute inaccurate inquiries on my credit report on XX/XX/2021. I have yet to receive a response from both credit agencies.
Consumer complaint received 2022-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I contacted Transunion and XXXX to dispute inaccurate inquiries on my credit report on XX/XX/2021. I have yet to receive a response from both credit agencies.
Consumer complaint received 2021-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (FL)

* XX/XX/XXXX - Application for For COVID-19 Forbearance is Approved by LoanCare for 360 days. At this point my account with LoanCare is current.

According to LoanCare 's Forbearance terms : " If your loan was current at the time of entering into this Forbearance plan, then each month you are in the Forbearance Plan, we will report the status of the account to the credit reporting agencies as current '' * XX/XX/XXXX - I am notified that mortgage servicing will be transferred to XXXX XXXX  XXXX d/b/a/ XXXX XXXX effective XX/XX/XXXX * XX/XX/XXXX - Servicing of my Mortgage is to XXXX XXXX  XXXX d/b/a/ XXXX XXXX * XX/XX/XXXX - LoanCare LLC reports a 90+ day delinquency to XXXX -- in violation of their agreement to report my account as current * XX/XX/XXXX - While applying for refinancing, I am informed of the XX/XX/XXXX entry in my credit report. This makes me ineligible to continue my application. 

I then contact LoanCare directly. I speak to representative XXXX. She tells me that this mistake happens sometimes with accounts that are in forbearance. She then guides me on how to submit a credit dispute to LoanCare.

After submitting the dispute, she informs me that it will take up to 30 days to receive a response. I ask if this review can be expedited and ask to speak to a manager. 

XXXX 's manager then comes on the line. The manager informs me that the because my account was behind when I entered into forbearance, then it is reported as behind. 

I correct her that I was not behind on payments before entering forbearance. 

She then seems to come up with a different explanation -- that when they transfer mortgage servicers they have to report accounts in forbearance as behind. 

I then remind her that this is violation of the forbearance agreement. As I'm explaining this she talks over me repeating the same explanation as before. Trying to make my case, the manager hangs up on the call as I'm speaking.
Consumer complaint received 2021-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

A fraud alert was sent to me a long time ago about an Inquiry put on my TransUnion Credit report Dated XXXX XX/XX/2019 ... I have requested several times to have this deleted, I never received any documentation .about this Inquiry from XXXX XXXX. 

I want this inquiry Removed from my Report Thank You XXXX XXXX XXXX
Consumer complaint received 2022-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (FL)

For the last month I have been getting calls from American Express for another person. I have explained to representatives daily for the last 3 business days ( XXXX, XXXX, and XXXX ) and again today, XXXX that I am not the person they are looking for. One rep attempted to imply I am somehow associated with XXXX XXXX, however this is not the case. The number they are calling has been my registered number for over 15 years. 
I am beyond frustrated and annoyed now as I'm wasting time at work talking to representatives to be assured I will be removed however that has not happened. 

I do not have a card or account with American Express AT ALL.
Consumer complaint received 2022-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I submitted a complaint through CFPB to Bank of America on XX/XX/22. I received their response from CFPB on today, " that they are still working on this issue ''. As I appreciate the message of a response, I am complaining that this is not a legitimate response to a five year old error. And that the time they are given to send a response again is only time to further mislead the consumer, CFPB and credit reporting agencies, or time to show synthetic sympathy to workers of the bank who would have normally been otherwise disciplined for this false action. This proves the information should be removed. I was even asked at one point to come in to the branch and speak with them after I view and questioned the information, in which I declined, in my rights to choose another bank. A bank will not ask a fraudster to come in again. " Still working on this issue '' is not a response. CFPB asks for a response, not a response of the company saying " they will provide a response ''. This response is misleading to CFPB and proves comical or sarcastic motive, abuse of branch power. The misleading information in the attachment ( s ) is clear.
Consumer complaint received 2021-09-08
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: CAINE & WEINER COMPANY, INC. (FL)

Hi, Im submitting this complaint myself and there is no third party involved. On XXXX I was a part of a consumer credit transaction this wasn't disclosed. Upon discovery I realized that I was Fraudulently damaged.

Due to 15 U.S. Code 1692 ( e ) and 15 U.S. Code 1692a ( 3 ) Credit reporting is optional, there is no law in the US which says a transaction has to be reported to a consumer reporting agency. You will be civically liable if you do not reply because congress states credit reporting is optional.

Under title 15 USC 1681n civil liability for willful non compliance -Any person that willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the amount equal to the sum of ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) In the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} whichever is greater
Consumer complaint received 2020-01-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

On XX/XX/XXXX, I became a XXXX percent XXXX veteran meaning I no longer have to pay property taxes which was effective XX/XX/XXXX. On XX/XX/XXXX I call PHH Mortgage and request my taxes be removed. Which I verified thru customer service it was processed on XX/XX/XXXX. On XX/XX/XXXX, I again email a qualified written request on the bank 's written form to request my Tax escrow be closed and my refund be sent to me. On XX/XX/XXXX I call back and found that they said they updated the system but had already paid the full amount of the Taxes. They stated they would start an inquire to locate the overpaid funds. On XX/XX/XXXX, I again contacted PPH and they told me they open a another inquire with no additional information. On XX/XX/XXXX I called again, and they told me the inquire is still open and it will take 4-6 weeks from XX/XX/XXXX, XXXX. at this point I believe PHH is in violation of 12 CFR 1026.34 for escrow refunds and for error resolution. Nothing about how they responded to a qualified request is timely nor is the length of time for refunds considered timely.
Consumer complaint received 2022-01-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I opened this account on XX/XX/2016 i never had access to my funds since i opened the account they keep on giving me the run around saying that they mailed the money and don't the account number is XXXX. I am tried of these games this bank is playing. They mailed me a letter saying if i had any questions to call this number and no one ever answers the number.
Consumer complaint received 2024-02-29
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Motolease, LLC (TX)

I am writing to dispute the actions of Motolease regarding a collection account that has been reported to consumer reporting agencies. Motolease has violated my rights under federal consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ) and related regulations, and is attempting to collect a debt that is past the statute of limitations in California. 

Despite my requests and the provisions outlined in federal consumer protection laws, Motolease has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Despite my repeated requests for validation of the debt, Motolease has not provided any documentation to verify the legitimacy of the account in question. 

Furthermore, I have not been given the opportunity to dispute the account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide me with the required dispute process is a clear violation of federal consumer protection laws. 

Additionally, Motolease has engaged in deceptive and misleading practices by reporting this account to consumer reporting agencies without fulfilling their legal obligations under 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). Their actions constitute a violation of my rights and protections as a consumer. 

Furthermore, I would like to bring to your attention that the statute of limitations in California for collecting a debt is 4 years. As the debt in question exceeds this time frame, Motolease is not legally allowed to continue collection efforts. 

I respectfully request that the Consumer Financial Protection Bureau investigate the actions of Motolease and take appropriate measures to address these violations of federal consumer protection laws. I also request that Motolease be held accountable for their actions and be required to provide the validation information and dispute process as mandated by law. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this dispute. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-06-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc. (NY)

I am a victim of identity theft, Please remove all accounts and inquiries that, I have mentioned in this report they do not belong to me, therefore, needs to be remove those account per FCRA 605 ( B ) U.S.C. 15 as prescribed by the FTC FCRA. 

CHRYSLERCAP account number XXXX XXXX opened XX/XX/2014
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: EQUIFAX, INC. (MD)

I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX appears on my report and I have requested this fraudulent account be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX This account is keeping me from buying a home and making it impossible to move forward with my life. 

XXXX XXXX - balance is showing as {$1500.00}, dates open XX/XX/XXXX closed XX/XX/XXXX.
Consumer complaint received 2023-02-13
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. (CA)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX MI XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$56.00} XXXX XXXX XXXX XXXXXXXX Balance : {$130.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2021-09-08
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. (GA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2018-02-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

XXXX is not reporting an any of my trade lines and on my XXXX and XXXX it is reflecting that I was late and I was never late in XX/XX/2017. In addition they have negative trade lines that are over seven years that about 12 years and should be dropped or taken off. Which are California XXXX XXXX XXXX and XXXX.
Consumer complaint received 2021-09-08
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc. (MI)

I took out a lease in XX/XX/2019 on a XXXX XXXX with GM Financial. I have paid all payments on time under auto-pay. For some reason, it seems that GM Financial has a bad and malicious business practice of automatically ending auto-pay 1-mo prior to lease end. In short, I ended up missing the payment and did not realize this was an issue, until I received a notification from XXXX XXXX that a negative mark had been registered on my credit history. 

In this case, my plan was also to extend the lease and continue paying, which is what I have been doing ( all on time thereafter ). They will say they it's in the fine-print or they sent emails saying that my balance is coming due. Unfortunately, I received these same emails when auto-pay was active so it's think nothing of it assuming that auto-pay will take care of it. In my opinion, this is an unreasonable expectation for a customer to have to manage and has no valid rationale behind it. 

I have tried contacting GM Financial several times thereafter to request the mark be removed for the reasons described above and that I'm a well paying customer. Unfortunately, they said they could not help and recommended trying a dispute or making a complaint on CFPB. GM 's own customer service professionals note that this is unfair, they don't know why GM is doing this, and that this affects many customers everyday.
Consumer complaint received 2024-02-29
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. (PA)

I believe FCRA 605B means we need to remove any wrong accounts from my credit report. Can you please look at the documents? Some of the accounts listed are wrong, and it's making me feel uneasy.
Consumer complaint received 2018-07-30
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

This started XX/XX/XXXX whereas my cell phone started receiving repeated automated calls throughout the day with different recordings such as " please call Khols department store at .... '' The calls are coming from 3 to 4 different numbers ; XXXX, XXXX, XXXX. I have called the numbers back, but unable to reach a live person. They ask that I leave a message, but then the line disconnects. I did call the number left on some of the messages, XXXX, and advised them of receiving calls and that I do not have a Khols credit card, nor have I had one in the past. I asked that they remove my number from their system. All my accounts/credit cards are current and I also do not see any suspicious activity on my credit report. I was advised from this company that they too do not show me as having any account with them. I was unable to gain a name of their company and any affiliation with Khols department stores. I have blocked those numbers thru my cell phone company. However today I did receive another call from XXXX. Also important to note that my cell phone is used for business and has been listed on the nation do not call registry since XXXX. This is becoming an issue of harassment at the least. Please help!
Consumer complaint received 2018-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

these addresses is not my address please removed from my credit report XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2022-05-02
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: EQUIFAX, INC. (IL)

I and my place of employment were directly affected by Covid during XXXX XXXX & XXXX XXXX XXXX. Due to this the payroll department wasn't able to process our checks and I fell behind. After calling all companies involved and explained my situation I made agreements to get caught up. Which I lived up to Most of my credit cards have XXXX straight months with on time payments until Covid.
Consumer complaint received 2020-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Florida XXXX The Complaint Department. 
Consumer Financial Protection Department I opened a Car Loan account with XXXX XXXX XXXX in XX/XX/XXXX. I have made ontime payments since then, see documents attached. I notice on XX/XX/XXXX that XXXX had completely taken off the account from my Transunion Credit Report, i have spent the last 3 weeks  trying to resolve this issue with XXXX. This has impacted my credit score. I need this XXXX to report this account to Transunion.
Consumer complaint received 2018-02-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (OR)

I received a {$1000.00} loan from big picture loans on XX/XX/XXXX. I read the terms and conditions and the interest rate was 500 %. No where did it state that this was owned by a XXXX. They said I would have to pay {$230.00} PER MONTH. I agreed because I wanted to pay it off the next month. I received and email saying they were going to debit my account again on XX/XX/XXXX after they already had on XX/XX/XXXX. The terms I received specifically states once per month. Not every two weeks. When I call its either no answer or its a round about with them. I cant get ahold of them to pay it off. I am being scammed and this is a huge fraud company. I now have to close my account because all they are doing is continuing to charge me interest and will not let me pay it off in full.