davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-04
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. (GA)

In XXXX around the XXXX week I mailed off letters to the credit bureaus XXXX, Equifax, and XXXX. I have been for sometime now trying to dispute negative items that I do not honestly recognize as mine and I do not know who they belong to. These companies have yet to validate their findings as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) They have yet to validate anything. Because they have broken the law I would like to process this in a civil lawsuit against them. 

I have made several attempts to correct this matter.
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (TX)

Comenity bank is the servicer for XXXX XXXX XXXX credit card, I have never been late and my balance is below {$100.00}, yet they are reporting me 60 days late at all 3 bureaus and they i owe them upwards of {$400.00}. I was able to speak to a supervisor about the promotional balance and there is a current dispute on the account to fix it but when i stated that comenity was reporting me late at the bureaus, she advised she was unable to fix. would like a call from the company and would like the problem fixed
Consumer complaint received 2020-12-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2020-09-03
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CFS Holdings, Inc (AZ)

I got a call from unknown number XXXX. I did not answer as I was at work. The number then called my boyfriend. I got on the line and a gentleman told me he was trying to serve me papers and was not sure what it was about but to call number XXXXI was not able to get to that number so called the XXXX back and told they could connect. This caused red flags as it was the same guy and he did not offer to connect me before. I was connected to a man named XXXX. He told me he was collecting for a debt I owed. I explained I was at work and unable to talk but could call back, XXXX told me he had to have me pay XXXX plus today or they would call my HR. I told him to do what needed to be done and the call ended. 5 minutes later XXXX called my work number XXXX. I advised that he could not call this number as it was my work number and they had my personal cell to call. XXXX said I could not tell him not to call. I asked if he was a collection agency and he said no. I advised that if he was a collection agency I have the right to tell him not to call my job, he said I sounded XXXX and asked me to transfer him to HR. I told him no and to verify my employment to use the work number. He asked if I had that number I told him no but he could XXXX it, I told him I did not know the employer code but if he went to the site and typed in the name he could find it. At that point XXXX screamed at me to transfer him to HR. I stated did you just yell at me on my job phone. I told him this call is being disconnected and hung up.
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Flagstar Bank, N.A. (SC)

Hello I have a loan that was approved with a loan modification during Covid. Upon completion I completed the terms and moved forward with my payments. The mortgage company is reporting remarks on my loan stating in a government modified loan which is derogatory reporting. My credit score is excellent however these remarks are inhabiting me from obtaining credit approvals from other creditors. If in the CARES ACT choosing a forbearance plan while in need during the pandemic wasnt suppose to count against you for credit reporting the mortgage company reporting is now negative? In my loan modification paperwork or during the process at no time before, during, or after was I told there would be negative remarks added to my credit report that will inhibit me from obtaining future credit. Prior to the pandemic I was never late on my payments, never missed a payment or required assistance until I lost my job during the pandemic. I have since got back on my feet, back to making payments and Im being penalized by this company for these biased remarks that a predatory and unfair. I contacted the mortgage company them seem unconcerned as they did me a favor but they have ruined my credit with this reporting. I would like to have the remarks removed from my credit reports I shouldnt be penalized for the life of this loan or be made to refinance my loan just to get rid of the arduous remarks that are listed
Consumer complaint received 2019-10-23
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. (PA)

I have a XXXX account on my credit file that has TWO VIOLATIONS of federal law. First off it was opened in XX/XX/12. There were no payments made on this account ( Account number prefix XXXX ... balance listed {$1900.00} ). Credit Bureau standards are to remove these items 6 years and 9 months from the obsolescence date. This is within that time frame and must be removed. 

Secondly, XXXX has issued a 1099 for this debt. I tried to call and make arrangements on it and they would not accept money. It is against federal law for them to report a balance to the credit bureaus that may not be paid.
Consumer complaint received 2022-11-19
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. (TN)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2020-12-01
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Dear CFPB I am writing this letter to compliment the wire transfer fees problems with Bank of America. 

I just received a money wire incoming transfer from XXXX. 

When my sister sent the money, she already paid XXXX USD and plus transaction fees. 

But i only received XXXX USD XXXX dollars wire fees, l called Bank of America this morning and asked who changed XXXX dollars, they said another side of the bank, but l checked details which from my sister she paid extra fees not including this XXXX USD dollars. 

I think Bank of America charged XXXX dollars fees, and they don't admit it. I want they refound the fees. 

Looking forward Sincerely XXXX
Consumer complaint received 2022-08-07
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc (IL)

On XX/XX/2022 I have made a transaction by XXXX  to purchase XXXX tickets. 
Within the XXXX  system my preferred mode of payment is XXXX XXXX ( the form of payment set up as XXXX ) However the payment has been processed I was informed that the payment was taken out of checking out against my wishes or intention. 
When I called their XXXX XXXX based overseas I caught the agent lying to me stating the the payment was preset to checking account. I confronted this lie with the screen shot which clearly stated XXXX. Subsequently I was told that the matter will be escalated and I was then put on 25 min hold which from time to time was broken to check if I am still on the line. At 32 min the call was without warning disconnected. 
It is evident that PP is cheating consumers this way as to : 1 ) get rid of any consumer protection as offered through a credit card 2 ) to get customer to lose any cash back bonus.
Consumer complaint received 2019-10-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Skrill USA, Inc. (VA)

On XX/XX/19, approx XXXX, XXXX contacted me stating she was with XXXX, our accounting software, that our subscription has expired so to avoid delay, need to pay. I asked 100 questions, to which she provided the information. Our account name, address, the ending credit card # on file, sent me an email which looked legit from XXXX. I questioned the amount, she had an answer of course. I gave her the rest of the card info, requested a receipt which she sent but she was NOT with XXXX, company named Skrill. We do not work with them. I contacted them, said cancel, no responses and I called the credit card company. Until the charge processes, I am unable to dispute or cancel. I also contacted XXXX, they agreed - this is a scam, they did NOT contact us for this information nor do they need to, the info is stored in our XXXX.
Consumer complaint received 2019-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

XXXX XXXX XXXX XXXX # XXXX is reporting a balance for my XXXX XXXX that I should not owe. I paid this off a year ago and it is still reporting as a collection with a balance. I need this removed as it is paid off and it is affecting my credit.
Consumer complaint received 2019-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX XXXX XXXX # XXXX is reporting a balance for my XXXX XXXX that I should not owe. I paid this off a year ago and it is still reporting as a collection with a balance. I need this removed as it is paid off and it is affecting my credit.
Consumer complaint received 2019-10-23
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: Experian Information Solutions Inc. (NV)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2022-08-20
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX XXXXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX : {$14000.00} ; XXXX XXXX XXXX Balance : {$610.00} ; XXXX XXXX XXXX XXXX XXXX Creditor XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$970.00} ; XXXX XXXX XXXXXXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-10-23
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. (NV)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2020-12-01
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: Experian Information Solutions Inc. (PA)

Fraudulent account identity theft XXXX XXXX Open XX/XX/13 Amount XXXX While in XXXX  XX/XX/2013 in hospital unknown person applied for credit card in my name who ever applied for this credit was assuming I was going to XXXX  an took advantage of my name social security number while under XXXX to receive benefits of this credit card while counting my life out
Consumer complaint received 2022-08-12
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: EQUIFAX, INC. (TX)

Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX TX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}XXXX XXXX XXXX XXXXXXXX Balance : {$43000.00}, XXXX XXXX  XXXX Balance : {$2400.00}, XXXX XXXX  XXXX Balance : {$10000.00}, XXXXXXXX XXXX  XXXX Balance : {$6600.00}, XXXX XXXXXXXX  ( Original Creditor : XXXX XXXX  XXXX Balance : {$100.00}, XXXX XXXX ( Original Creditor : XXXX XXXX Balance : {$550.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00}, XXXX  XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX TX ) XXXX Balance : {$1500.00}, XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance : {$14.00}, XXXX XXXX XXXX Original Creditor : XXXX  ) XXXX Balance : {$5.00}, XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$540.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX Balance : {$22.00}, XXXXXXXX XXXXXXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$0.00}, XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2019-10-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE (WI)

I applied for a checking account with Huntington Bank ( " Huntington 5 Checking '' ) on XX/XX/2019. At the time they were running a promotion in which new customers would receive a {$200.00} sign-up bonus for making cumulative deposits of {$1000.00} within 60 days of opening. 

I read the terms of service carefully, and saw that residents of my state ( Wisconsin ) were eligible for the bonus. Unbeknownst to me, Huntington was in the process of exiting the Wisconsin market, and indeed my local Huntington branch was taken over by another bank. I called Huntington Bank 's main customer service line on XX/XX/2019 ( XXXX Central, call length 7m 16s ) to confirm that I would still be eligible for the bonus. At this time, " Wisconsin '' had been removed from the website as an eligible state, but the customer service representative assured me that because it was listed when I applied, I am eligible for the bonus. 

When my bonus did not post as expected, I reached out to Huntington Bank and had several e-mails and calls exchanged with XXXX XXXX ( XXXX ). She submitted a claim on my behalf for the bonus, which was ultimately denied because I live in Wisconsin ( I received this information on XX/XX/2019 via e-mail, and we spoke via phone ). 

I feel that Huntington bank lied to me in two ways : 1 ) Wisconsin was listed as an eligible state for the bonus when I applied for my checking account, and 2 ) When following up on XXXX, I was assured that my account was still eligible for the bonus. 

XXXX informed me that she would submit a ticket to make sure the customer service representative did not continue to give out false information, but that my bonus claim would still be denied even though I was lied to.
Consumer complaint received 2022-06-19
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. (OK)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-10-23
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/2019, I wrote to Capital One, requesting closure of my 360 account, which I no longer use. I received no response, and my account remained open. So I sent Capital One an electronic message through its online messaging function. Still no reply, and my account remained open. So I faxed Capital One at the customer service fax number displayed on its website : XXXX. 

My account remains open against my wishes and specific instructions. This appears an attempt to continue counting me as a banking customer and extracting fees against my wishes. I anticipate getting hit with account maintenance fees for lack of maintaining a minimum balance or direct deposit. Contacting the CFPB and law enforcement is my last resort to get Capital One 's attention on my requested account closure.
Consumer complaint received 2022-07-04
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. (MS)

On XX/XX/2022 I mailed off letter certified receipt returned. I requested that accounts on my credit file with Experian. Be investigated for information being reported inaccurate on my credit file. I am filing this complaint in reference to not being notified of my investigation results that were filed. I have also not received any response to the investigation letter that was sent certified. The letter was stamped received on XX/XX/2022 concerning the accuracy of information being reported on my credit file. Per the federal mandated time for this investigation. By law is the 30 day mandated time allotted for the investigation results I am to be made aware of whom completed results, whom was contacted in reference to the investigation completed results, and how the investigation information was obtained. As, of the date of this letter XX/XX/2022 I have not received any investigation results, nor have I received a updated copy of my credit report. From Experian credit bureau the non compliance of the results requested. Is in direct violation of my constitutional rights 15 USC 1681.
Consumer complaint received 2022-08-07
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. (IL)

I recently received a copy of my credit report and there are hard inquiries that I do not recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX