davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WA)

Consumer Notice to PHYSICALLY CHECK for complete and CERTIFIED COMPLIANCE of reporting ensuring that any and all claims of delinquency, derogatoriness, and or inquiry are factually proven fully TRUE, CORRECT, COMPLETE, TIMELY, and or elsewise VALID as reported and additionally as mandatory ensure that any injurious claim is PERFECT and COMPLETE in its CERTIFIED METRO 2 FORMAT REPORTING COMPLIANCE! Compliant reporting of ONLY TRUE ACCURATE COMPLETE VERIFIABLY VALID and CERTIFIED as such is a MINIMAL REQUISITE of lawful reporting NOT AN OPTIONAL ONE! I as well use this notice to contest ignorant or elsewise deficient allegations regardless of reason of dereliction. My notice here serves as my OFFICIALLY WRIT notification of my lawful consumer CHALLENGE to not yet substantiated claims as regards to REPORT-ABILITY, not a consideration of the claim ( s ) reality of collect-ability or not! 
To Whom it Concerns, I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant, or else wise compliant to every single one even each any and all of the regulations, applicable laws, and or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort. The following challenged information is among such allegations of which each and one all require immediate deletion or REMOVAL FROM REPORTING otherwise. I DEMAND rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question : XXXX XXXX XX/XX/2013 The alleged delinquent and or derogatory claim ( s ) of information above listed is deficient the mandatory demonstration of current certifiable compliant reporting of only physically verified factually true, correct, timely, adequately complete, and or ELSEWISE undoubtedly validated claims. Delete today, even right now to return to and or retain ethical and lawful reporting and standards of consumer credit reporting practices. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-07-01
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. (WA)

Consumer Notice to PHYSICALLY CHECK for complete and CERTIFIED COMPLIANCE of reporting ensuring that any and all claims of delinquency, derogatoriness, and or inquiry are factually proven fully TRUE, CORRECT, COMPLETE, TIMELY, and or elsewise VALID as reported and additionally as mandatory ensure that any injurious claim is PERFECT and COMPLETE in its CERTIFIED METRO 2 FORMAT REPORTING COMPLIANCE! Compliant reporting of ONLY TRUE ACCURATE COMPLETE VERIFIABLY VALID and CERTIFIED as such is a MINIMAL REQUISITE of lawful reporting NOT AN OPTIONAL ONE! I as well use this notice to contest ignorant or elsewise deficient allegations regardless of reason of dereliction. My notice here serves as my OFFICIALLY WRIT notification of my lawful consumer CHALLENGE to not yet substantiated claims as regards to REPORT-ABILITY, not a consideration of the claim ( s ) reality of collect-ability or not! 
To Whom it Concerns, I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant, or else wise compliant to every single one even each any and all of the regulations, applicable laws, and or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort. The following challenged information is among such allegations of which each and one all require immediate deletion or REMOVAL FROM REPORTING otherwise. I DEMAND rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question : XXXX  XXXX XX/XX/2013 The alleged delinquent and or derogatory claim ( s ) of information above listed is deficient the mandatory demonstration of current certifiable compliant reporting of only physically verified factually true, correct, timely, adequately complete, and or ELSEWISE undoubtedly validated claims. Delete today, even right now to return to and or retain ethical and lawful reporting and standards of consumer credit reporting practices. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-07-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (CA)

I had moved out and cancelled XXXX home internet service. Months later i find out i was sent to collections for not paying the bill at a place i did not live at after moving out. 

Also there was a previous case of this debt being reported by another company and that was resolved earlier on XX/XX/2018 cfpb Case # XXXX
Consumer complaint received 2020-05-12
Product: Checking or savings account — Other banking product or service
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Fidelity National Information Services, Inc. (FNIS) (OH)

I have been trying to reach chex systems in order to get my credit report which is under a freeze because of my identity theft due to serious car crash by which i almost died i have my pin number which is XXXX and consumer identification XXXX. The system is totally automated by phone and the website has issues. I need my chex systems report to be update according to the fair credit reporting act, and Fair and accurate tans actions act.

I need my chex systems reports after all old and outdated information removed and the results sent to me afterwards to show the results of the removed items after all federal laws have been applied as to this credit report to be updated.
Consumer complaint received 2023-05-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Williams & Fudge, Inc (RI)

Email dated XX/XX/XXXX from Williams & Fudge , Inc. agent XXXX XXXX that I owe them a debt for {$18000.00}. The Original Creditor was XXXX XXXX. I have no contract with Williams & Fudge , Inc . I do not owe them anything I do not know who they are. They are communicating a false debt under 15 USC 1692e ( 8 ). They are communicating False representation. All caps name, stating consumer owes debt 15 USC 1692b ( 2 ). They are in Communication without prior consent violation of 15 USC 1692c ( a ). They are using false, deceptive or misleading representations in violation of 15 USC 1692e. They are using obscene/profane language accusing me of owing an alleged debt which is violation of 15 USC 1692d ( 2 ).

The communication between Williams & Fudge , Inc. and XXXX XXXX, about me is in direct violation of my privacy per the Privacy Act of 1974. If XXXX XXXX did not violate my rights under the Privacy Act, then how did Williams & Fudge , Inc get my private email information. I have attached correspondence that shows tender of payment ( RI Gen Law 6A-3-603 ) to XXXX XXXX was received via certified mail XXXX XXXX on XX/XX/XXXX. Even the amount stated by the Debt Collector XXXX Williams & Fudge XXXX Inc., doesnt match! 

Also, pursuant to 15 USC 1666d if there is a credit of account balance with surplus of over {$1.00} dollar in accordance to the journal and ledger entries described in IRS Pub 583, the amount balance should be credited and the remaining balance must be directed to the consumer. ( {$18000.00} ) the documentary evidence must be provided to clarify this amount as this is a formal instruction in accordance to 15 USC 1666 ( b ) ( 2 ) to provide documentary evidence which involves books of account in accordance with 15 USC 44 to resolve this billing error.
Consumer complaint received 2021-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

Unauthorized withdrawal from XXXX  XXXX  Checking account by Mr Cooper. XX/XX/2021. They have fixed this issue. 
This error occurred to many individuals. Brought my checking account below XXXX. 
Again, not authorized!!!!!! No explanation or guarantee this will not happen again.
Consumer complaint received 2020-05-12
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. (OK)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$650.00} XXXX   XXXX XXXX {$94.00} XXXX XXXX {$4000.00} XXXX XXXX XXXX {$95.00} XXXX XXXX  XXXX {$440.00}
Consumer complaint received 2023-05-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

Two saving accounts, one for each of my grand children at Wells Fargo XXXX XXXX XXXX, XXXX Florida. They could not find them when I went to put more money in them. They told me to check corporate. They were not there eiher I was told. It has been 7 years back. I left the accounts alone because they did not want to help me.
Consumer complaint received 2022-10-04
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: Informative Research (MD)

Recently, I did an investigation on my report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my cred it report and Under 15 U.S Code 6181e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these account were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report. 
As a consumer, I request to know the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification Description of reinvestigation procedure.
Consumer complaint received 2020-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Capital One Quick Silver One is using credit report from months ago for anyone who tries to request credit line increase. I feel Capital One should be using most recent credit report and credit report not from 60 plus days ago. Most online feedback is that for anyone who owns Capital One Quick Silver One is that Capital One very reluctant to give credit line increases. I feel Capital One is misleading consumers and not being honest with consumers. Perhaps the option the even request a credit line increase should be XXXX for everyone because Capital One only gives credit line increases when choose to not when the consumer requested. I know several family and friends that say the same thing.
Consumer complaint received 2020-07-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SunTx Capital Partners (GA)

On XX/XX/XXXX an additional payment was processed without my consent and when I called to complain, the company stated they would credit my account {$100.00}. On XX/XX/XXXX when I called to pay off the loan balance in full, I found out that I was only credited {$50.00}. The representative stated that he would credit me the extra {$50.00} to compensate for the {$50.00} that was not, and to date, there is still a balance of {$60.00} on my account, even after paying the stated balance of over {$28000.00}. I keep calling and asking to speak to a supervisor or someone who can rectify the issue and I keep getting transferred to various representatives and no resolution.
Consumer complaint received 2024-02-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA ()

I'm currently unable to pay my loan due to extreme financial hardship. I applied for an IDR low-income payment plan back in XXXX & heard only that I was placed in administrative forbearance, and nothing else. As of XX/XX/XXXX, I received a letter stating that I was now past due on my account. 


I called MOHELA and was placed on a 2-hour hold. After getting through to a representative finally, they informed me that my IDR application was in fact accepted & they were unsure why it wasn't applied to my account. They then placed me on a few-minute hold, came back online to inform me they needed more time placed me back on hold for a few more minutes, and repeated this about 4x before disconnecting the call for good with no callback number or ID. 

I called back again and after 1 hour wait, was told I had to speak to an " Advanced Agent, '' and was placed on yet another hold. After an additional 1 hour, I unfortunately had to go into work and was unable to wait the rest of the time for the call.

All in all, I spent over 5 hours on hold and was unable to speak to anybody, nor was I able to get a callback.
Consumer complaint received 2020-07-01
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$1400.00} XXXX  XXXX XXXX {$56.00} XXXX  XXXX XXXX {$38.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$980.00}
Consumer complaint received 2020-07-01
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: TRUIST FINANCIAL CORPORATION (SC)

XXXX XXXX, XXXX, SC made some unauthorized charges for items I do not have. The purchases were made XXXX XXXX/XXXX XXXX for a total of {$440.00} on my SunTrust Credit Card.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

For the month of XX/XX/2023, XXXX XXXX  reported a delinquency for my mortgage account for that month. Their own internal statement of my account, provided at a XXXX XXXX  branch, even shows an incorrect actual payment of just {$2000.00}. for a scheduled payment of {$2100.00}. I have proof that I paid more than the scheduled payment for that month, albeit in XXXX different payments, the first on XX/XX/XXXX for {$2000.00}, the second for {$92.00}, and the third for {$100.00}, totaling {$2200.00}. At all times, bank personnel assured me that these payments would be applied to my mortgage payment due for the month of XXXX. Instead, I ended up with a delinquency on my credit report, that has not only hurt my credit, but also prevented me from securing a different mortgage loan to buy a new home for myself. XXXX has refused to remove their negative reports and still claims the information is correct. I would like for XXXX to correct my actual total payment made for XXXX, and remove the negative report from my credit reports with all three bureaus since I paid more than the scheduled payment for that month.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (NC)

This credit bureau regardless of the information provided refuses to properly update my credit file. I do not know why or how the CFPB allows them to continue to violate the FCRA and does not enforce any standards against this company. 

XXXX XX/XX/2023 they yet again will not delete false unverified information from my file. The source they list has provided me and them with documentation that the item on my file is not verified but yet they continue to lie and state it is verified and accurate.
Consumer complaint received 2020-11-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

on XX/XX/2020, i sent a letter requesting verification of inaccurate accounts listed on my credit report. I didn't receive a response so I sent another letter on XX/XX/2020 asking them to do the same again. I still haven't gotten a response. it's been 3 months.
Consumer complaint received 2024-02-13
Product: Credit reporting 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. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2024-02-13
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-07-01
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. (AR)

I sent multiple credit disputes with these companies asking the to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Consumer complaint received 2020-11-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

on XX/XX/XXXX I mailed a letter requesting investigation about inaccurate accounts listed on my credit report. I never received a response. On XX/XX/XXXX, I mailed another letter requesting the same. Still no response and the inaccurate accounts are still showing on my credit report.
Consumer complaint received 2015-06-12
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I went to see an apt that i wanted to rent from whom i thought was a realtor. She explained to me what steps to take to deposit my money into the owners bank account to hold the apt for myself. After i deposited the amount i needed and sent her confirmation she said she would call me back and set up a time for the next day to sign a lease agreement. After a few hours my phone calls would go straight to voicemail and now I 'm trying to get my deposit back from this scammers account.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.