davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (IL)

Wakefield Associated closed my account out and I need them to reopen my dispute for review. 
A. Wakefield violated me by not contacting me about a debt I supposedly owed B. Wakefield violated attaining by personal information without my consent and transferred to their corporation.

D. They neglected to provide me with proof bearing my wet ink signature file or accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer report. 
C. I also had a lawyer at the time of debt so this debt was not supposed to appear on my credit report.

According to 18 U.S.C 1028 A- Aggravated identify theft Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. You violated this law.
Consumer complaint received 2021-11-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: PENTAGON FEDERAL CREDIT UNION (FL)

I was checking rates for a XXXX loan/unsecured and inadvertently applied for a loan. I checked again to see a different term length and another application was created. Therefore, I had XXXX applications with Pen Fed. I received multiple marketing calls, emails and texts regarding these XXXX applications. I created these applications on XX/XX/XXXX. On XX/XX/XXXX ; I decided to pursue XXXX of the loan applications. I was denied on application # XXXX so I tried application # XXXX and was denied. So I called Pen Fed about the denial and was told I was denied because the date of the was more than 10 days so go ahead and apply again ( attempt # XXXX ) ; I was denied right away. I called Pen Fed back again and was told it should not have been denied and it was because it was my browser that I should use chrome. Now Pen Fed can't tell me why they denied me. I suspect some type of bait and switch deal going on here. They say they " think '' its because of XXXX ratio but that is doubtful based on my income vs. debts -- -highly doubtful. My fico is XXXX and credit is excellent. 
I need assistance because now I have XXXX credit denials on XXXX inquiry -- -two of those were made at the sole recommendation of Pen Fed staff. I don't trust Pen Fed to assist me. I need the assistance of your bureau.
Consumer complaint received 2021-11-02
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. (TN)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, inaccurate information was found in my reports. The 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 inquiries that are reporting on my Credit Reports : XXXX XX/XX/2020 ; XXXX - CARD SERVICE XX/XX/2020 ; XXXX XXXX XXXX XX/XX/2020 ; XXXX XXXX XXXX XX/XX/2020 2020
Consumer complaint received 2021-11-02
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: American First Finance, Inc. (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the erroneous account reporting on my Credit Report : AMER FST FIN XXXX
Consumer complaint received 2021-11-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.
Consumer complaint received 2021-11-02
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. (NY)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX CARD XXXX, XXXX XXXX, XXXX CARD XXXX, XXXX CARD XXXX, XXXX XXXX, XXXX CARD XXXX and XXXX CARD XXXX.
Consumer complaint received 2021-11-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MI)

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

I have been patiently waiting on the response of XXXX, XXXX, and XXXX about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the erroneous account reporting on my Credit Report : 1. SHELLPOINT XXXX Balance {$320000.00}
Consumer complaint received 2021-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: BARCLAYS BANK DELAWARE (FL)

I have NEVER been so DISAPPOINTED with ANY COMPANY as I currently am with Barclays. 

On or around XX/XX/XXXX I requested a cash advance offer from Barclays for {$10000.00} with a ( 3 % ) {$300.00} service fee. On or around XX/XX/XXXX I then received a request from Barclays to call in about suspected fraud on my account and that all my cards were locked until I called in... all to be put through the very painful process of verifying via the phone tree and then in person, my identity and to confirm I had indeed requested the {$10000.00} advance Barclay 's offered me " for my protection '' which btw was/is a load of XXXX, its was for the bank 's protection, not at all for my protection. 

Now, here 's where it gets better ... Barclays then screws up the {$10000.00} advance and instead hits me with {$30000.00} in advances on my credit and {$900.00} in fees because I have ( 2 ) additional authorized users on my account. Mind you all the while Barclays only ever deposited {$10000.00} into my checking account. 

This then overdrew my available credit and forced me to close down ( thankfully ) another open Barclays card with a {$12000.00} credit limit, and I had and to shift that available credit limit over to BARELY cover BARCLAYS MISTAKE!!! 

On Mon XX/XX/XXXX I was told by Barclays " this will take 1-2 week to remedy ''. 

Then my credit cycle refreshed on XX/XX/XXXX, and my credit score has now taken a 45+ point nosedive because of BARCLAYS MISTAKE. 

Today ( 15 days later after being told XXXX weeks ) Tuesday XX/XX/XXXX when I called in to discuss why BARCLAYS MISTAKE hasn't been rectified I am now being told it will now take 1-2 BILLING CYCLES to fix. 

Lastly, XXXX currently has a promotion to obtain Base Points towards MOSAIC status, something I am about to lose, by spending {$15000.00} on my card from XX/XX/XXXX to XX/XX/XXXX... XXXXbut of course now, I can't do that, because BARCLAYS MISTAKE has not only crashed my credit rating, but additionally artificially hamstrung my available credit limit until close to XXXX. 

And I haven't had 1 person BARCLAYS who could make me feel comfortable that ANYTHING will be done to rectify BARCLAYS MISTAKE or make any minimal accommodations for what is just been an ABSOLUTELY AWFUL, WOEFUL, PITIFUL customer experience.
Consumer complaint received 2021-11-02
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. (MD)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ;
Consumer complaint received 2021-11-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (NJ)

I requested a loan modification on my affordable housing deed restricted property in NJ. I was denied a loan modification from SN Servicing Corporation located at XXXX XXXX XXXX XXXX CA XXXX, in less I made a " Good Faith '' payment of {$25000.00} on my {$85000.00} mortgage. Which would NOT be deducted from my mortgage even if I could afford to pay it. I then counter offered {$10000.00}, just to get a response and was told they would take {$10000.00} cash and the remaining {$15000.00} would be put in my mortgage and double my mortgage payments, still never showing me where I would get credit for making these so called " Good Faith '' payments. Basically this company wants me to pay them to modify my loan for their profit and my loss.

If I were able to meet their terms I was given less than 14 days to come up with " Good Faith '' payment and first month mortgage
Consumer complaint received 2021-11-02
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAVALRY INVESTMENTS, LLC (TX)

This is a HIPAA Violation. On XXXX someone called me from Cavalry Portfolio Services stating that they bought my account on a already closed account and stated we will call and give out your information and talked rude to me with foul language. They then called a family member on XXXX and provided all information. This account has been closed and was no longer reporting under the original company. They then said just for that they will place it back on my credit and it is showing up on my reports. This is illegal and they shared my personal information and address.
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Accurate Background (CA)

I've been waiting for a background check for a job with XXXX since XX/XX/2021 the company accurate background keeps telling me that it'll be done in 2 to 3 days XXXX keeps telling me I just need to wait well that doesn't pay the bills so I'd like to file a complaint against accurate background for taking so long to complete the background check
Consumer complaint received 2021-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (VA)

In XX/XX/2021 a card was opened in order to receive a promotional offer. This offer included XXXX XXXX XXXX miles and a {$250.00} credit, if applicant spent XXXX dollars in the first 3 months of opening card. 

This promotion was not honored- so costumer service was noticed ( 5 ) times. It appeared another account was made with the writers social security number. 

I was not able to dispute this account, as I was told that the bank needed to contact the other party to ensure it was not a typo. I have contacted the bank for updates and was told that they could not share the process for security purposes. At this time there is no resolution in my case. I was never given my promotion.
Consumer complaint received 2021-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion Credit Reporting Company, Earlier this year (XX/XX/XXXX ), TransUnion Credit Reporting Company was reporting active Student Loan Accounts when they had been completely forgiven in XXXX. TransUnion, after filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) removed the amount owed; however, TransUnion kept the accounts ( with a XXXX balance ) on my TransUnion credit report. 

My student loans were forgiven and should have been completely deleted from my report not only zeroed out. Further, several of those student loans are from XXXX, which should be deleted from the credit report starting with XXXX XXXX ( XX/XX/XXXX ) through XXXX  XXXX XXXX ( XX/XX/XXXX ).
Consumer complaint received 2021-11-02
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: NAVY FEDERAL CREDIT UNION (MD)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on NAVY FCU XXXX ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-11-02
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. (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 


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 Equifax was XX/XX/XXXX, 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. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX - AUTO FINANCE Inquired on XX/XX/XXXX ; XXXX, XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ;
Consumer complaint received 2021-11-02
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (NY)

I was recently incarcerated from XX/XX/2021 to XX/XX/2021 and upon release I found out that my US Direct Express Card that I had previously lost was used fraudently during the time of my incarceration, immeadiately after release I contacted US Direct Express and notified them. I filed a complaint with a representative and had a form sent to me, it took several attempts because I could not access my account in which I had to do two verification. However on XX/XX/2021 I was able to submit the Dispute Form, my discharge Paperwork proving that I was discharged from the facility and it was successfully faxed to the dispute team on XX/XX/2021 A set of transactions were accepted and a set were declined. The set that were declined exceeded 120 days of being reported. However I was incarcerated and unable to report these. I am very sure there are protections for individuals who are incarcercerated and vicitims of fraud while in jail. I called US direct express early XX/XX/XXXX in the AM. The first representative transffered me to a supervisor, and after waiting 30 minutes I hung up, the wait the second time I called back was 20 mins. The third time I called back I was immeadiately transferred. The supervisor XXXX almost did not want to deal with this issue she said the claim once closed would not be reopened at all. However based on the dates of the transactions it is clear that the transactions were denied based on the 120 reporting dates of the terms and conditions with US Direct Express. Are there any protections for individuals who are incarcerated? Thank you
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



TransUnion ADDRESS : XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, MD XXXX Inquiries XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX ; XXXX XXXX NA XX/XX/XXXX Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX EMPLOYER : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX
Consumer complaint received 2021-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I had a few hard inquiries and a charge off on my Transunion credit report, that is inaccurate and I had no knowledge of. I had an investigation on this and I never received information on the situation. the information is inaccurate and the company proceeded with the inaccurate reporting of an account/items I had no knowledge of. I have even went so far to contacting the " lenders '' themselves and they had gave me the run arounds and no response/resolution on the information that is reporting inaccurately.
Consumer complaint received 2021-11-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (KY)

I see that this company is reporting unverifiable and inaccurate information on my credit report. I request a validation debt letter and also for this company to cease all forms of communication with me through any and all mediums. also This company is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor. I only can validate this debt. I do not validate this debt therefore I demand this company to stop reporting this unverifiable information on my credit report. This company is in violation of several FDCPA laws.
Consumer complaint received 2022-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

USAA allowed someone to open a credit card in my name. I am not a member of USAA and never have been. After notifying them 3 times and asked that they close the account and remove it from my credit report they have failed miserably. The persons who committed this fraud have tried over and over again to get a replacement card by changing the address which keeps hitting on my credit reports. Luckily I noticed this right away before any charges occurred but there will be negative info on my credit report if the don't cancel the card and remove my name and info out of their system. Thanks XXXX.