davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-08
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. (GA)

I have severeI items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. Chapter XXXX Bankruptcy, XXXX XXXX. XXXX XXXX, US DEPT ED, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX, XXXX, XXXX. Inquiries : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2019-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

I placed a freeze on my credit a few months ago with Equifax. I was given a pin number to use. To be able to lock and unlock it. On yesterday I tried to unlock it. Instead of being asked for the pin number by the automated system. I was routed a representative. The rep told me that he was unable to unlock my credit because i didn't answer all of the questions correctly ( I didn't know the amount of some credit accounts ). The rep never asked for the pin number. I was then asked to mail in some information to identify myself. This makes no sense as I have been given the pin number to access my account I shouldn't even have to speak to a rep. Now I can't apply for credit in the time frame that I desire.
Consumer complaint received 2020-05-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MI)

Shellpoint/NewRez is engaging in deceptive practices around forbearance. 

Shellpoint/NewRez is my mortgage servicer. I inquired about a forbearance program on XX/XX/XXXX however I did not sign up for it, e-sign anything, or send in any paperwork or fill out forms. I read the paperwork and decided it was not for me. 

Shellpoint/NewRez called XX/XX/XXXX, noting that I didn't complete my application and asked if I was still interested in forbearance. I answered " no '' in clear and uncertain terms. The representative thanked me and hung up. 

They signed me up for forbearance anyway. I found out because I checked my payment on XX/XX/XXXX and my account had been flagged and my ( pending ) automatic payment canceled. I was unable to contact them until the XXXX after waiting hours on the phone, and multiple hang ups on their part. 

The customer service rep ( XXXX XXXX XXXX ) said that he removed the forbearance ( he apologized for the mistake ) and my automatic payment would be reinstated. 

When I checked on XXXX ( the date my payment was due ) the automatic payment was not reinstated. I was unable to contact NewRez ( phones busy ) on XXXX and most of XXXX. I finally got ahold of a rep ( XXXX XXXX XXXX ) who claimed the forbearance was removed but would not help with the automatic payment. I made the payment through ACH and was not late. 

I am still receiving correspondence from Shellpoint/NewRez saying that I am in their forbearance program. The latest notice arrived today, XX/XX/2020.
Consumer complaint received 2020-05-09
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. (FL)

I submitted a letter to dispute an account listed on my equifax report. I received a letter stating equifax was unable to locate credit file. Yet I have access to my credit report? So how is it a credit file wasnt located. So, my frustration is as I read the letter further, I noticed in the letter equifax requested a copy of my indentifcation. So I sent for the thousandth time a copy of my social security info and Id. So needless to say Im furious because this indicates to my equifax hasnt taken my dispute serious no investigated my concern. They didnt respond to my validation request. Im therefore requesting assistance with this issue. Along, with removal of accounts that was disputed
Consumer complaint received 2020-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Block, Inc. (DC)

On XX/XX/XXXX I discovered three fraudulent charges on checking account 's debit card : 1. {$000.00} Square Inc . 
2. {$1000.00} CASH APP*XXXX  XXXX, CA # XXXX 3.  {$1000.00} CASH APP*XXXX  XXXX, CA # XXXX I've contacted my bank, filed a fraud claim and changed the card. 

Today on XX/XX/XXXX I receive a visa debit card " Cash Card '' in the mail from Square Inc. with a full credit card number on it and my correct name etc. 

I have not applied for this card and I think it is related to the two fraudulent charges from my checking account debit card. I tried to contact Cash App as well as Square Inc. over the phone but they don't over live help over the phone. I would like them to close this account that I have not opened. This is a scam and I don't even know how they opened this account in the first place.
Consumer complaint received 2020-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: U.S. BANCORP (CA)

US Bank shows 3 credit inquiries related to a mortgage application that I made between XXXX XXXX to XXXX XX/XX/2019. 

They had a system problem that caused me to have to submit the application 3 times. First one would not allow my social security number to be entered and I used my wife 's. They said they'd need a whole new application. They then advised I need to talk to a different dept of the bank who required another hard pull but said they'd remove the other 2. They did not.

It's OK for me to have 1 hard pull, BUT NOT 3 of them. They said they'd take care of these extra 2 credit pulls ( remove from XXXX ). They have not done this for me.
Consumer complaint received 2020-05-09
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC (FL)

I have contacted SEQUIUM ASSET SOLUTION once a week to try and resolve this debt and they will not call me back and I have received no written notification about the debt, but when I dispute the debt with my credit bureaus they reply to them to confirm the debt.
Consumer complaint received 2019-08-08
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. (TX)

Dear Sir/Madam, I have submitted many complaints/disputes with Credit bureaus. had waited for 30 or more than 30 days No outcome received. all the time they just had sent me the Generic Response, that " We have investigated the issue & charge on your account is correct '' there is no supporting documents. My questions is different, their answer is different. Since, i am in litigation, & my request was to remove those account from my account till the Honorable Court Decide the issue. I already had made this request to the Credit bureau several times, but no response Name : XXXX XXXX SSN : XXXX DOB. XX/XX/XXXX Dispute with XXXX XXXX XXXX Number of Accounts. 02 Pls. note, if there is any confusion pls. call on XXXX
Consumer complaint received 2020-05-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NJ)

I disputed this alleged debt that Resurgent Capital Services is trying to collect from me. 
They had 30 days to investigate. They refused to investigate my dispute because they stated that I'm dealing with a credit repair company. This is not so. I have a double XXXX in XXXX, I have worked in XXXX for over 35 years I'm more than qualified to write and dispute an alleged debt that does not belong to me. 

I'm making a last goodwill attempt to get this alleged debt deleted from my credit report. If the results are not agreeable to me I will be forwarding this to my attorney to sue for damages for defamation of character and other Consumer Fair Credit Report violations.
Consumer complaint received 2019-08-11
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: Helvey & Associates, Inc., Warsaw, IN Branch (SC)

I am currently going through a divore and I was no longer living at the address that was on file for the utility company. There was an outstanding balance of {$100.00} that went into collections and I had know knowledge of this until it hit my credit report. I contacted the collection agency and quickly paid the debt. I was hoping that the derogatory mark can be removed from my report. The agency that handled the collection was Helvey Associates on  XX/XX/2019.
Consumer complaint received 2019-08-08
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)

these two accounts ( documents attached ), are not mine, i have been disputing these two inaccurate accounts for the longest time, i have called equifax so many times that i have lost count, this is inaccurate and haunting experience, this can not go on like this, please have this inaccuracies removed from my equifax credit reports. 
they are literately saying they can not help me in this matter, please, i beg of you this is not a good experience that someone would be taking for the longest time. 
please find attached the documents and as consumer please i need you help to have these inaccuracies removed thank you
Consumer complaint received 2019-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Mailed a letter to provide accurate personal information that should be reporting and provided current address ( a water bill ) that should be reporting and I was denied. They are requesting the same information I provided to them again. You have the right to dispute incomplete or inaccurate information. If I identify information in my file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. 

1 ) Consumer reporting agencies must correct or delete inaccurate, incomplete information. 
2 ) Consumer reporting agencies may not report outdated information. Including personal information.
Consumer complaint received 2019-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (NY)

XX/XX/2019 - company says I am dead - says social security must write letter saying I am alive. 

XX/XX/2919 - Social Security says I am alive. 

Now company has closed my account and say I have to apply for a new account. 

Balance - credit balance over {$500.00} I
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Dear CFPB Team, I am writing to formally dispute the accuracy of the information reported by XXXX XXXX ( XXXX ) regarding my credit account, as it appears on my credit reports from XXXX, XXXX, and Equifax. The account in question is identified by the number XXXX and is listed as derogatory, charged off, and in collection status. I request the removal of this account from my credit report due to multiple inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ). 

Summary of Issues Inconsistent Reporting Across Credit Bureaus : The account information varies significantly among the XXXX major credit bureaus. 
XXXX reports a balance of {$810.00} and a high credit of {$810.00}. 
XXXX shows a high credit of {$0.00}, creating confusion about the accounts status. 
Equifax reports a high credit of {$500.00} against the same balance of {$810.00}. 
Law Violation : These discrepancies violate 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. 
Missing Information : XXXX does not report the " Account Type - Detail, '' which is crucial for understanding the nature of the account.

Law Violation : Under 15 U.S.C. 1681g ( a ) ( 1 ), consumers are entitled to complete and accurate information in their credit reports. 
Incorrect Payment Status : All bureaus classify this account as " Collection/Chargeoff, '' which may not accurately reflect the current status if it has been settled or paid.

Law Violation : This misrepresentation violates 15 U.S.C. 1681s-2 ( a ) ( 2 ), which mandates furnishers to provide accurate information. 
Inconsistent " Date Last Active '' Reporting : The Date Last Active reported varies : XXXX and XXXX indicate XXXX, while Equifax XXXX XXXX. 
Law Violation : This inconsistency contravenes 15 U.S.C. 1681e ( b ), leading to potential misunderstandings regarding the account 's status.

Negative Comments : Comments such as " Charged off as bad debt '' and " Canceled by credit grantor '' need to be consistent across reports. If this account is settled, these comments mislead creditors.

Law Violation : Misleading comments may violate 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), which prohibits furnishers from providing information known to be false or misleading.
Consumer complaint received 2020-05-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions (TX)

My private information was sold to Rent Recovery Solutions acting as collector for XXXX XXXX XXXX  XXXX XXXX for an alleged debt ... 
Opened XX/XX/XXXX according to XXXX XXXX.. 

Same with the following.. 


XXXX XXXX XXXX  acting as collector for XXXX XXXX XXXX XXXX XXXX  Opened on XX/XX/XXXX according to XXXX XXXX XXXX XXXX XXXX acting as collector for alleged creditor XXXX XXXX XXXX  Opened on XX/XX/XXXX according to XXXX XXXX  XXXX XXXX  XXXX acting as collector for alleged creditor : XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX according to XXXX XXXX  And XXXX XXXX  XXXX acting as collector for alleged creditor : XXXX XXXX XXXX XXXX  Opened on XX/XX/XXXX All of these liens and accounts shown on my credit are Fraudulent and inaccurate. My private information has been given out to Third party contractors to secure and alleged debt that none of these " creditors '' can prove with a ORIGINAL wet ink Signature of mine proofing a debt and that I owe with ANY of said Creditors! 

According to the secretary of state in North Dakota ( my born state ) there is no proof I owe any debt to any alleged creditor and I did a UCC-11 to prove that.. I'm asking that you guys make these " creditors '' prove I have a debt with a original wet ink Signature with my name ... 

As well as a way to settle my debt LAWFULLY as according to the Constitution. Rather accept for value, discharge, set off. Or gold or silver. As per House joint Resolution 192
Consumer complaint received 2020-05-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Federal Adjustment Bureau, Inc. (NC)

A previous complaint was filed. They ignored the requested information in said complaint. I received a letter from XXXX XXXX, V.P. of operations who seemed overly interested in a bankruptcy instead of providing the due information under the FCRA & FDCPA. 
I am formally requesting that you validate all tradeline notations you have submitted by FABCO. 
Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully requested be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. 

Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. 

Please also provide proof FABCO is legally allow to collect and licensed outside the state of Ohio. 

Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FDCPA, FCRA, and other federal statutes.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear Sir/Madam, I am writing to formally dispute the presence of certain items in my consumer report, which have been reported without my written consent. This action is in violation of the provisions outlined in 15 USC 1681b. Additionally, I have reported this matter as a case of identity theft to the Federal Trade Commission ( FTC ) and possess a reference number [ XXXX ] for this incident.

As per 15 USC 1681c-2, it is the responsibility of the consumer reporting agency to promptly block the reporting of any information in the file of a consumer that the consumer identifies as resulting from alleged identity theft. The law mandates that this should occur not later than 4 business days after the date of receipt of such information.

I hereby request the immediate removal of the following accounts from my consumer report : Account Info Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX  Account number XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Unauthorized Inquires XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX These accounts were reported without my written consent and are a direct result of the identity theft incident, as indicated by my FTC reference number [ XXXX ]
Consumer complaint received 2020-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

After reviewing my current Experian credit report I once again notice that Experian is in violation of fcra rules 1681. 

Account : ( XXXX XXXX XXXX XXXX ) original creditor : XXXX XXXX XXXX ; inaccurate reporting, unverifiable account. 
Note : this account was reinserted back in XXXX of 2020 and was deleted in XXXX of 2020. 

And now has been reinstated again as of today XX/XX/2020 Experian continues to reinsert this account without letter of reinserting 5 business prior to reinserting as required by federal law fcra rules 1681. This a violation
Consumer complaint received 2020-05-09
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Personal information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America is reporting a wrong address and balance to XXXX. I have tried over 5 months to have XXXX and Bank of America correct the issue ... and my credit report still shows the wrong address and balance. My address with this Bank of America auto loan account should be : XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The balance should report Paid in Full, {$0.00}.
Consumer complaint received 2020-05-09
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. (GA)

There are several accounts that is reporting inaccurate late reportings on my credit file. The following accounts are reporting inaccurate lates : I was never 30, 60 or 90 days late on the following accounts : XXXX XXXX XXXX XXXX - Open date XX/XX/XXXX XXXX XXXX - Open date XX/XX/XXXX The following accounts is not mine : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BBVA FINANCIAL CORPORATION (FL)

I noticed discrepancy while accessing online account and reported to the bank immediately on XX/XX/2019. This account was active for over 10 years and has had two account holders, family. It also had a direct deposit setup from XXXX and bill pay. 

Below is an automated response received. 
I followed up with a phone call to report that this account was closed by a local branch without the consent or notification to either of the account holder and we believe this is fraud. The ticket was opened XXXX with a followup within 24 hrs. 
Instead the online account, the card and account was completely closed. 
The account was unlawfully accessed and closed. 
Also, we believe this is a violation of The Right to Financial Privacy Act. 

FRAUD ( XXXX ) XXXX Mon XX/XX/2019 XXXXXXXX XXXX This is an automated response. 

This mailbox is not monitored 24x7, Thank you for contacting BBVA Compass Fraud Group : Customers who feel they have been a victim of fraud should contact BBVA Compass Customer support immediately at XXXX ( XXXX ) or our international line at XXXX. 

BBVA Compass will never contact you to request this type of information via email or text *** For Non-BBVA Compass customers please contact your respective institution Know the Sender - Open emails only when you know the sender. Be especially careful about opening an email with an attachment which could potentially contain a virus or malware Protect your confidential information - Don't respond to any email that asks for your password, pin, social security number, or other personal information Be Suspicious of any email that sends your information and asks you to update or verify it. 


-- XXXX XXXX