davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-15
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)

I am disappointed to discover that the credit reporting agencies did not amend my credit record or totally remove the fraudulent items. In my most recent correspondence with the credit bureaus, dated XX/XX/2022, I demanded that they produce evidence supporting their assertions that the items I am contesting actually belonged to me. The Credit Bureaus still hadn't sent me any proper proof after a month had already elapsed. I find it aggravating that the credit bureaus have refused my requests, violated section 605b of the Fair Credit Reporting Act, and have continued to record the disputed items without the necessary justification. Let me remind the credit bureaus that they are required by FCRA section 605b to delete any items and information that were obtained as a consequence of identity theft and were listed on an ID THEFT REPORT. I'm inclined to file a lawsuit against the credit bureaus to compel them to update my credit report. I'm hoping that by filing this complaint with the CFPB, the credit bureaus would act right away and entirely delete the disputed items from my credit report. The following elements need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-11-05
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 was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. US DEPT ED XXXX {$610.00} XXXX  XXXX {$15000.00} XXXX XXXX {$1700.00} XXXX XXXX {$460.00} US DEP ED XXXX {$550.00} US DEPT ED XXXX {$550.00} XXXX  XXXX XXXX {$19000.00} XXXX XXXX XXXXXXXX {$170000.00}
Consumer complaint received 2021-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MA)

( One issue ) My wife and I have a new Verizon credit card ( Synchorny Bank ), opened XXXX 2020. Small credit limit of {$1000.00}. When we get close to that limit, we make a payment, sometimes multiple payments ( two ) in one month, depending on usage. The second payment is received by XXXX, money cleared from my checking account, but the second payment is not applied to my balance. After talking to XXXX on multiple occasions they told us they are " holding '' the payment because of " money laundering '' or " cancelled transactions '' issues, not me, but this type of activity has caused the business millions of dollars. ( Second issue ) I ask for a credit limit increase to resolve this. The increase is denied and the reason given is " Insufficient experience at your current credit limit ''. When I call XXXX and ask, I am told it's their " policy '' or " computer generated '' decision, nothing can be done, no further explanation. Both my wife and I have 800+ credit scores. No transparency or other reason for denied credit. Two issues here, XXXX is holding my money on second payments and not explaining being denied a credit limit increase. Do I have recourse?
Consumer complaint received 2021-01-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lending Club Corp (NY)

Please be advised that Lending Club Corporation is a loan broker, that three years ago I acquired a loan from XXXX XXXX XXXX through Lending Club Corporation. Lending Club Corporation is a broker only, and when the loan went into default, the principal owner known as XXXX XXXX XXXX - XXXX sold all rights to the debt to XXXX  XXXX, XXXX. This loan was used for completion of a real estate project only, with a partnership that did not work out financially. XXXX XXXX XXXX exercised its right to protect its investment through legal channels, and through my legal representative the debt was settled for a cashiers check of {$12000.00}. My position is quite firm, when the original debt was sold from XXXX XXXX XXXX XXXX to XXXX XXXX, XXXX Lending Club Corporation lost all of its rights to maintain a credit rating position with all pertinent credit bureaus, XXXX, XXXX  and XXXX XXXX respectively through a U.S. Supreme Court decision Henson v. Santander Consumer USA Inc. Third party transfers VOIDS all rights under the Fair Debt Collection Practices Act, which disconnects all rights to maintain the credit payment history or the content of its history with the Fair Credit Reporting Act. Accordingly, Lending Club Corporation must delete my entire file and purge its content permanently. My rights are in violation at this time and from my research the XXXX XXXX XXXX XXXX has a right to intercede. Therefore, this reference on my personal credit report must be deleted immediately and permanently. I have referred my complaint to all credit bureaus to advise them that Lending Club Corporation is in violation of their subscriber agreement with all credit bureaus, and should be sanctioned by the Consumer Financial Protection Bureau for this serious offense. Lending Club Corporation must delete and purge my file with all pertinent credit bureaus, period. 
XXXX XXXX
Consumer complaint received 2020-11-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc. (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-03-26
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. (SC)

The credit bureaus are being bullies when I disputed the items on my credit according to the FCRA yet they keep telling me things are accurate without proof. What are my options?
Consumer complaint received 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NJ)

I am writing to dispute the following information that appears on my consumer credit report : After numerous attempts to try and resolve erroneous reporting on my credit report. I am left no choice but to escalate these matters. 
XXXX XXXX and Equifax continue to report inaccurate public information on my credit. 
As a victim of Identity fraud. I have been working diligently to correct any misrepresentations on my credit report. 

The issues at hand involves a Dismissed chapter XXXX bankruptcy case on my report. I have looked this over and have found many inaccuracies with the reporting among the three above mentioned companies. 
The reporting date for this matter is XX/XX/2019 Therefore under the CFPB guidelines afford to me. I am asking that this be removed from my account for each agency. 



Thank you for your assistance.
Consumer complaint received 2018-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I am on both the national credit card offer opt-out list and the junk mail opt-out list. I moved in XXXX, 2017 and since then I have been getting repeating credit card offers from Capital One. I contacted them via social media and they provided a procedure for stopping the offers which I completed. Yet, the credit card offers from Capital One have continued non-stop. I repeated my contacts and they just keep referring me to their opt-out procedure. It would be foolish to keep doing it over and over without results. 

Several years ago, I had to contact this agency for the same reason and regarding the same company, Capital One. At that time, your intervention stopped the offers. Apparently moving to a new address gives them license to begin the incessant offers all over again.
Consumer complaint received 2021-03-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

XX/XX/21 deposited USPS money order they told me it would be available next business day then later they put 10 day hold on it. This is second time this happened but it happened before with XXXX VA branch this is XXXX VA branch. I cant get in touch with branch and I put in complaint on branch manager through customer service. This is second complaint with OCC about same issue. They keep doing this these branches make there own rules??? This is crazy I need my money when they say Im suppose to get it. No other bank puts a hold on USPS money order for 10 days!!! Im closing my account with this bank as soon as I notify companies that take money out my account.
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2020-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Advantage LNS Inc. (TX)

I am in the process of purchasing a home and when the lender pulled my credit this collection appeared with XXXX XXXX  XXXX XXXX XXXX XXXX XXXX appeared on my credit. There is NO MONEY OWED to this company. The lease expired and at no point was there any type of noticed received that money was owed at the time of move out. Once I was made aware of this I paid them even though I did not agree with what they were charging I still tried to do the right thing and pay it once I was finally made aware which by the way was 6 months later. This was actually some time ago and yet they report it on my credit file and showing that there is a balance due. THIS IS WRONG..
Consumer complaint received 2018-10-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Law Office of Michael J. Scott, PC (TX)

I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ). The statute of limitation in Texas is 4 years. The original debt is over the statute of limitation for this debt to be collected on. Texas Surety bond information as required by Sec. 392.101, this creditor is does not hold a surety bond in the state of Texas as required ( see attached ). Per the code, this a violation punishable by { {$10000.00} } per occurrence. A complaint has been filed with the Texas Attorney Generals office. I request my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX  are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ).
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Avid Acceptance, LLC (WA)

I reached out to Avid well during the COVID months when the governor and federal orders were in effect to inquire about options with a job loss. I was treated very rude and ignored, no options. I was later told about an email that was sent months later, that went to junk mail so I didn't have an option to respond. After several months of Avid reporting late to the bureau despite the Covid relief order, I reached out regularly nearly begging them to correct as it was ruining my credit! In fact, they reached out to me regularly for payments and I asked about the status of updating my credit report. Each time, I was told they don't have time to update, it was a big project etc. Finally I filed a better business bureau complaint. That got the attention of administration XXXX XXXX that reached out immediately indicating he would rectify the problem. Despite his efforts to rectify the problem and update my credit history, somehow, I got a notification from the credit bureau that the account was deleted even more so damaging my credit as I had a lengthy credit history with Avid. I reached out to XXXX to inform him of the same. I hand wrote each credit bureau to dispute and request them to contact XXXX directly to confirm and update my credit reports. I received an updated credit report saying updated, however, the late payments are still reflected on my credit report.
Consumer complaint received 2021-02-16
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. (FL)

There is a mysterious foreclosure being reported to my credit report from XXXX XXXX. It is reporting a mortgage. This is not my account. I sent letters to the credit bureaus but I have not received any correspondence back. I would like to get this error removed from my credit report.
Consumer complaint received 2022-06-30
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: Experian Information Solutions Inc. (PA)

I had notified the credit bureaus of this unauthorized inquiry on my report. I never gave the consumer reporting agencies consent to give this debt collector my information. This is violating my rights.
Consumer complaint received 2022-06-30
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. (NY)

In XX/XX/2021 I sent you a letter regarding inaccurate and unknown things on my credit report. This letter is in response to your response in my CFPB complaints with closed authorization needed, Is it not clear that I have attached my State ID and Utility bill to certify that is in fact me submitting the disputes. I wrote you to let you know that my credit report contains inaccurate and incorrect accounts that are ruining my credit scoring.
Consumer complaint received 2018-10-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I had 3 accounts open with Bank Of America from XX/XX/XXXX-XX/XX/XXXX. All my earnings/assets ( all the money I have to my name ) is inside the account with a positive balance. A balance of {$120.00} ( estimated the cents ). I just would like to revive ALL my money that was inside the account quicker than 10 days I cant wait at long I have a wife, kids, and up paid bills.
Consumer complaint received 2021-02-16
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 — Their investigation did not fix an error on your report
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

Hello, In XXXX my personal information was stolen from me, ID, social security card, debit card etc. 
I was notified by Santander that there was suspected fraud activity on my account, I immediately closed the account and began investigating. I took this matter to a local police station after speaking with a branch representative in person. 
Nothing like this has ever happened to me an I was a bit confused during the entire process. 
After receiving my DC number DC # is XXXX XXXX XXXX I gave this information to a fraud investigator who works for Santander.

He was not helpful at all, I was told to wait it out after I paid the balances due. 
I was told to pay these balances before they went to my credit I expressed to the representatives and police that I was unaware of what actually happened, I wasnt treated as the victim. 

Today in XXXX I am still being held responsible for this matter, and I am unable to open a bank account which is stopping me from expanding my business and buying a home. 
I just want to do what I need to to remove this matter from XXXX XXXX
Consumer complaint received 2022-05-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

We established overdraft protection for our checking accounts at Bank of America that included cascading feature to draw funds from several accounts to ensure checks or echecks were paid with out overdraft fees. When we saw fees hit on XXXX, we contacted the bank and they stated it had not been set up properly, but it had been set up properly. We were charged {$70.00} ( two {$35.00} fees ) while having over {$30000.00} in savings and other checking accounts where we routinely move money electronically. Additionally, the first account in the cascade was our HELOC account, which we had leveraged for other purposes. Bank of America chose not to notify us that the protection was no longer available. Again, the bank chooses paths to ensure fees can be charged.
Consumer complaint received 2018-10-05
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: BARCLAYS BANK DELAWARE (TX)

for over 3 years I having been trying to have erroneous information expunged from my report through government channels. My previous complaint ( XXXX ) has had no response in over 2 years! On a recent credit check I realized it has still not been removed. Barclay has failed to legally respond and address this issue. Should I pursue a legal remedy?