davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-22
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. (MI)

I have made many cfpb complaints concerning Experian reporting of my name! My name is hyphenated and someone is intentionally manipulating info from tax documents to 1098. It seems again someone is changing my information on documents and possibly loans that were mine in order to attach loans that are not mine in the name of XXXX. I recommend you document this- it might get closed/ deleted and attachments deleted like the pertinent complaints that after 3 months of being on file was deleted. Other things occurring in my apt and car.. Items are being stolen from my possession of w2s old tax documents etcold jobs - evidence of fake and real -its crazy that people are allowed to do this! Experian once said all accounts were submitting XXXX but that wasnt true at the time- I am concerned that someone has taken loans out in name of XXXX XXXX 100 % verified my loans are in my hyphenated name! Why would they ( those behind changing my name in other places ) go through this to prove a point thats false - because it is a way of doing business and more people will suffer until this is exposed! I cant even risk saying what I want about why Experian continues to report my name wrong then right, then Im blocked- then report it wrong again! Follow up doesnt happen /! its like a scam is going on in dept of Ed/servicers and Experian. Loans were removed and put back on -! I believe they redid the loans I did take out and went through my accounts, schools, changing things to XXXX - Whats happening is illegal- so many are acting as if the are above the law! XXXX was compromised and used to change Experian info - I didnt do some of these and it seems disputes were reopened and activity kept happening with out me involved- so much control and I would love to be able to have a fair chance to defend my name instead - someone is determining and changing my name without legal presidence? 
in XX/XX/2022 it seems XXXX added accounts XXXX XXXX back on that were already on.. there are so many things that lead me to believe what Im saying- mainly changes and theft of documents finding two of same thing in diff names!
Consumer complaint received 2024-12-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc. (TX)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2022-06-27
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. (CA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2022-07-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (IL)

I have a 2nd mortgage with a {$31000.00} balloon payment that was due last XXXX. I was unable to secure financing because my XXXX mortgage was in forbearance. My lender SLS didnt offer me any options to additional financing or paying till I find financing. I continued to make the payments until XXXX when SLS refused to accept payments and terminated my automatic payment withdrawal from my checking account. A month later I started getting collection notices and calls, also someone there referred me to a HUD program that Ive had trouble fitting my situation into. Concurrently I was able to end the forbearance with the XXXX mortgage in XXXX with a new agreement with XXXX XXXX. While I was clearing forbearance from my credit report SLS started reporting the delinquent payments. 

Now here I am my credit score has dropped XXXX points and no one will lend me the money I need nor will they refinance my mortgage. Ive tried to use the Hud assistance I was referred to by the lender. I get collection and foreclosure notices on one call then I call and get referred to an agency and more forms. Im bombarded with calls with lenders who cant loan me money. I have the means to pay my mortgage like Ive done for the last XXXX  years. SLS has destroyed my credit can they now somehow take my property? Im caught in the middle with nowhere to go. If they would clear the late payments from my credit report I can get a new loan ( since Im no longer in forbearance ) or they could accept my payments and it would be paid off in time. Why are they doing this to me? Can anybody help?
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XXXX XXXX XXXX
Consumer complaint received 2024-11-14
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 (NY)

I transferred {$500.00} on XX/XX/year> from my XXXX checking account to my Bank of America account. I saw the transaction activity in my Bank of America account right after I made this transaction. But this transaction disappeared on XX/XX/year> from my Bank of America account. I called Bank of America, they told me this transaction never received by them and asked me to call XXXX to dispute it. I called XXXX but XXXX confirmed this transaction has been completed and refused to submit a claim for it. So neither Bank of America or XXXX want to deal with this problem and my {$500.00} just disappeared.
Consumer complaint received 2024-12-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (CA)

Paid Wells Fargo credit card by phone on XXXX XXXX. Funds are still not available as of Thursday XX/XX/year> as of XXXX XXXX. 

My experience with Wells Fargo is that funds paid online from my XXXX XXXX XXXX are made available immediately. This is why I chose Wells Fargo to handle my responsibility to rent an vehicle to pick up a XXXX XXXX  at the XXXX XXXX and take to his hotel so he can perform tomorrow in concert.

If I had known that Wells Fargo has changed their policy, I would have used XXXX, XXXX XXXX XXXX or XXXX XXXX, who do not hold on to funds.

I offered to submit proof, that being a screen shot
from my XXXX  XXXX XXXX checking account, that the funds were taken from my checking account on XX/XX/year>.
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX XXXX  reporting the charged off accounts referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the charge off account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.
Consumer complaint received 2022-07-16
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. (GA)

Again, I was a victim of identity theft and this is a request to block the items on my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Credit Bureaus are required to block any items not later than 4 business days after I sent them certified letters on XX/XX/XXXX, but no response until this day XX/XX/XXXX. Ive already included this report in my previous complaint # XXXX XXXX, XXXX, and XXXX & I am including it again. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. Please remove the following items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX AV XXXX XXXX GA XXXX ; UTILITY SELF-REPORTED XXXX Balance : {$210.00} ; XXXX SELF-REPORTED XXXX Balance : {$50.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$200.00} ; XXXX XXXX XXXX Balance : {$700.00} ; CB INDIGO XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; ( Original Creditor : XXXX ) XXXX Balance : {$610.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$18000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$410.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX A ) XXXX Balance : {$250.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$530.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : {$300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$610.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ;
Consumer complaint received 2022-07-16
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: CAPITAL ONE FINANCIAL CORPORATION (CO)

But he used my personal information my ID and my social security card to sign up for a credit card and their name and they were approved for {$500.00} and {$300.00} Credit Card ending in XXXX for a total of {$320.00} Credit Card ending in XXXX for a total of {$440.00} I never applied for a credit card from capital one. That was fraud
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 — Old information reappears or never goes away
Company: COLLECTIONS USA, INC. (AZ)

My credit has already been effected for 7 Years, since XX/XX/XXXX because of this collections agency for a bill that isn't even mine. Now they rereported last month to effect my credit another 7 years. 
CLLCTIONSUSA : XXXX XXXX XXXX XXXX. 

I have own my own home since XXXX, multiple homes in fact. I rent properties out. I do not have use for an apartment. 
You can bet I will now be contacting EVERY NEWS STATION to report on this situation that XXXX XXXX XXXX XXXX  is nothing but a swindling company. 
Along with CLLCTIONUSA for their inhumane and illegal practices
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK)

I have 3 hard inquiries on my TRANSUNION report as a result of fraudulent activity. 1 ) XXXX XXXX XXXX. This inquiry resulted in the issuance of a XXXX XXXX and {$3000.00} worth of fraudulent charges. The charges have been corrected on my credit report but the hard inquiry remains. Incidentally, this occurred after I placed a fraud warning with all 3 credit reporting agencies. 2 ) XXXX XX/XX/2021. This hard inquiry landed on my credit report after I placed a fraud warning with all XXXX credit reporting agencies. 
3 ) XXXX XXXX XXXX XXXX XXXX XXXX This hard inquiry happened after I placed a fraud warning with all 3 credit reporting agencies. Please help. I'm trying to buy a house.
Consumer complaint received 2024-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SUNRISE CREDIT SERVICES, INC (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MN XXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Upon my research/findings, XXXX XXXX XXXX is a debt collector. They are falsely reporting to my credit! Account # XXXX is falsely reporting to my credit file ( XXXX, XXXX, and XXXX and any other reporting agency ) and against my rights and fair credit act. Under 15 U.S. Code 1681d - Disclosure of investigative consumer reports. I have attached the definition so that you can see and understand the violation. 

A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested. 

I request to be provided proof of this alleged item, specifically the original application, contract, note instrument bearing my signature with XXXX XXXX XXXX. Failing to do so, the item must be deleted from the report as soon as possible! Under federal law, you have 30 days to complete your reinvestigation. 

I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692G Please have the original creditor provide the validation documents to the XXXX  as well as to me. It is extremely important that the creditor provide the documents to the XXXX  to ensure fairness and that they are not brushing me off and taking this matter seriously. 

Thank you for your assistance.
Consumer complaint received 2023-01-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

I previously disputed three times about the company and orginal creditor XXXX XXXX. My signature was forged on documents sent to me, in which I informed the credit agency. sent pictures of proof as requested by Fair Collections and Outsourcing on XXXX They failed to respond to any letters, emails, or online complaints sent to credit report agencies as well to Fair Collections Outsourcing. Again, this account established with them was a fraud account, I did not sign any documents sent to them from XXXX XXXX. I never received any information on the debt in a timely manner nor in previous time from XXXX XXXX. They have failed to send me any proof within 30days of the debt in previous notices. The debt was placed directly on my credit report without any knowledge of debt or chance to dispute the debt directly with creditor or agency.
Consumer complaint received 2024-12-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (CA)

I replied to the txt message checked the box that said this is not my debt. Im end dated with txt Messages ask for this collection payment that doesnt belong to me.i explained that the XXXX XXXX Ive ever had business with was XXXX XXXX XXXX XXXX 
This letter I recieved today state this balance due date happened XX/XX/year> I recieved nothing because isnt my debt. 
Below you will find the information pertaining to this complaint Sunrise Credit Services XXXX XXXX XXXX, XXXX XXXX Acct XXXXscs acct XXXXbalance {$110.00}
Consumer complaint received 2023-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had a business transaction with a company called XXXX XXXX to sell them some household items. They deposited {$4500.00} into my account on XX/XX/XXXX, sent a copy of the transaction, and Bank of America reflected the amount in my bank account. 

The supposed representatives of XXXX XXXX in Texas claimed an accounting error and requested a refund of the deposited money amounting to {$3300.00} to be deposited through Bank of America. The money was returned to them on XX/XX/XXXX via a XXXX transfer that Bank of America authorized because the amount still continuing in my bank account. 

On XX/XX/XXXX, the supposed company mistakenly deposited another sum of {$4500.00} again, but this time the Bank of America stopped the transaction because it was a check and email me to explain the situation. 

The company stopped communicating after explain the BOFA hold the second check, and the money continued to be deposited into my account until XX/XX/XXXX, when Bank of America withdrew the funds because they could not find the account. 

This situation has been very complicated because Bank of America claimed to have credited my bank account, leading me to believe that the transaction had been approved. 

If the bank knew it was a check, why didn't they hold the first check like they did with the second one? 

These kinds of gaps make small contributors victims of criminal networks of scammers who impersonate identities. 

Bank of America claims the victim 's problem is that they never led me to believe the transaction had been approved, but the money was in my account for almost six calendar days. 

Bank of America has all the possibilities to hold a check until it verifies that it has funds and not reflect them without certainty. 

Now I have suffered significant financial damages. I am a small contributor, and that money was all I had to cover my personal expenses. 

I hope that justice is served and that Bank of America acknowledges its mistake and refund my money lose, reports the BOFA accounts of scammers it harbors in its bank, and halts its users on XXXX.
Consumer complaint received 2022-09-27
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

This is a completely new complaint not previously mentioned or reported. 

CITI, XXXX, and XXXX are reporting the account of XXXX XXXX for CITICARDS/ CBNA as being charged off for 10 consecutive months starting in XX/XX/year>. 

This account was charged off 1 time. It was not charged off repeatedly for 10 months. This is a misrepresentation of the account information, and is completely inaccurate and incorrect. 

XXXX, XXXX, and CITI are refusing to remove the inaccurate information on this report. 

I have attached the reports that reflect these errors.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX