davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ARVEST BANK GROUP, INC. (AR)

I withdrew {$5000.00} out of my account to purchase lumber five days ago and the next day I tried to login my account online and it stated it was locked so I called and the rep stated I need to go to the bank so I did. Once I arrived at the branch in XXXX, Arkansas to find out whats going on, the assistance manager XXXX said that my account is being closed because I have had a lot of transactions in my account so the bank think Im money laundering. which is definitely not the case so they went off their assumptions and decided to close my account without any facts or proof.
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (FL)

I applied for financing with XXXX XXXX through this company and was approved for {$1000.00} for a procedure that was scheduled for in the future. I was not made aware that the dental office would be charging the entire amount that same day even though my procedure was scheduled for a later date. I should not have been charged until service was provided. I still have yet to have the procedure done and am carrying a balance which shows on my credit report as of today in the amount of {$820.00} when it should be {$0.00} balance. I've called XXXX three times and which I am currently on the phone with the fraud department and am being transferred to a " specialist '', however got transferred to a Customer Service Rep yet again. I received a call from them earlier today and not sure why but I keep receiving calls as if I'm late on a balance that shouldn't exist. Each time I've called I've been told that it is under investigation, it's been over two months, they state it takes 60 days for an investigation to be completed. The request was put in on XX/XX/18. I would like for XXXX to report the accurate balance on my Credit Report or either rescind this contract. When I requested information about rescinding this because of the lack to resolve this issue as well as lack of customer service I was told I couldn't flat out and I know that goes against my rights as a consumer.
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Account has been paid to XXXX balence with XXXX XXXX XXXX XXXXXXXX 's. I am uploading correspondence on this from XXXX. Experian had previously deleted this account as well, yet added it back, which is also a violation. 


Experian needs to remove the account
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma (CA)

I have received several phone calls claiming to be working with federal government to reduce credit debt. They know my approximate debt amount, last XXXX of social. They offer help via XXXX XXXX to help with debt... I was supposedly flagged for the benefit. I told them not interested, not to call any more, and that I died XXXX  days ago. His response stop lying, at which point I hung up. I usually don't answer phone with unknown numbers, but have some incoming calls related to my XXXX XXXX health that I need to take. 

I suspect the call is coming via a credit bureau to know what they know. I have frozen my credit so that only I can access. I use Credit Karma to track so they are likely culprit. Numbers that have call from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Those are from this month. I have not called them back and I did not answer all of the calls. I captured the numbers via caller ID. And you see the common theme with extension. It was the same person that I spoke with for the first call and the last. 
Thank you for any assistance. I'm very concerned with the information they do have and not sure what else I can do.
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CO)

On XX/XX/XXXX I went to check my credit score for a program I am going to participate in. I can not get my score, I have tried 3-4 places ; XXXX, XXXX, my bank XXXX XXXX XXXX equifax. Each one can not give me my credit score, frustrated I decided to try again later. 
Today XX/XX/XXXX I go to check and spend more time trying to get my score over the phone and on websites and apps of the previously mentioned companies. Nothing came up, on equifax it said I had some sort of installment account opend XX/XX/XXXX and listed options. None of which I did or have. So I selected none of the above. 
2nd question asked about monthly payment, which I selected none again because I don't have any payments. 
3rd question asked about a student loan XX/XX/XXXX which I have none and selected none of the above again. 
4th question is about a mortgage loan in XX/XX/XXXX. I don't own a home and I am paying rent each month to a landlord. 
Also the third time I did this step the question concerning XX/XX/XXXX debts was about a car loan and now it says student loan. 
Then it says We can't complete your request at this time. Please call the Customer Care team. 
I call the number and can't get ahold of a person to talk to, the phone line says only selected individuals with certain needs can speak to customer care. I called several times using different prompts to try and reach customer service. 
I believe it might be fraud holding me up on getting my score because of the questions asked about my credit account that I have never done before, like the car/student loan and mortgage.
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (FL)

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 


XXXX XXXX XXXX XXXX XXXX XXXX Jpmcb card service 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 2022-09-14
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-10-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (CA)

Ad astra recovery services, This collection company like the other collection couples that appeared on my report were asked to validate the account and also, conduct an investigation into my fraud claim of this account. 

A complete fraud packet that was sent to all collection agencies was also sent to this collection agency. Upon receipt of my fraud claim, this collection company failed to follow rules and regulations governed under the section 809 validation of debit. Subsection ( B ).

Deception clearly states, if the consumer notifies the debt collector in writing within the 30 day. Describe the sub section 8 that the debt, or any portion therefore, is disputed, or that the consumer requests is the name and address of the original creditor, the debt collector shall cease collection of all debt or any dispute a portion therefore until the debt collector of teens verification. This also means completed and Investigation if theres a claim of identity Theft. 

It has been verified by XXXX that no such action took place after my request.
Consumer complaint received 2024-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CO)

I received a call from someone purporting to be a WELLS FARGO employee following up on suspicious activity on one of my accounts. I allowed the person to have access to my XXXX. Without my contemporaneous knowledge they transferred {$9500.00} as cash advance from my credit card to my checking account and completed a wire transfer in the amount of $ XXXX before my son convinced me the call was fraudulent and I hung up. WF denied my claim and initially and following a complaint by me. I have received letters informing me of this but not the documentation of the basis for the denial requested by me.
Consumer complaint received 2022-09-14
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. (WA)

How many times do I need to tell you that this is not my account. It was been removed and now reinserted without even notifying me? This isn't fair. I felt I am being ignored and taken advantage.
Consumer complaint received 2023-03-30
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: LAKEVIEW LOAN SERVICING, LLC (GA)

My primary dwelling is currently in foreclosure and scheduled to be auctioned on XXXX. In the midst of this attempted theft, I requested my closing documents and it has been brought my attention that FRAUD has been committed. There are multiple signatures from people that were not present on the day of closing ; including a notary signature and seal. I also did not receive any of the proper disclosures during closing or anytime afterwards. My closing documents were not clear and conspicuous and I entered into an uninformed Consumer Credit Transaction without proper knowledge. Please be advised that XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Lakeview Loan Servicing LLC have committed a federal crime. Lakeview Loan Servicing LLC has told the State of GA that they are my attorney and this is FALSE. I have NEVER spoken with anyone at this company nor given anyone in their employment permission to represent me in any legal compacity. LAKEVIEW LOAN SERVICING ARE NOT MY POWER OF ATTORNEY! XXXX XXXX and Lakeview Loan Servicing are attempting to steal my primary dwelling. They are severely impacting my livelihood and the livelihood of my dependents. They are infringing upon my constitutional rights as a natural person. They are attempting to steal my safe and private housing in the midst of a housing crisis. XXXX XXXX and Lakeview Loan Servicing has posted my private information on XXXX and ever since I have been harassed constantly via texts, emails, phone calls, and strangers showing up to my home. I fear for my life, well being, and the safety and security of my dependents. I have sent notices of dispute and my affidavit of truth to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Lakeview Loan Servicing LLC, and XXXX XXXX XXXX XXXX XXXX XXXX  ; bringing to all of their attention the criminal act that has taken place to no avail. None of them have responded and my home is still currently listed for foreclosure.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/year>
Consumer complaint received 2023-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 XXXX XXXX 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 2023-03-30
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. (PA)

My name is XXXX XXXX XXXX and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be updated as soon as possible. I have not nor have ever received and/ or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions on the law and request that I receive a free copy of my report and all information related in this matter. 

The fraudulent accounts are as follow : 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 2022-09-14
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: Credit Karma (WI)

I have been monitoring my credit reports with credit karma since 2013 and for the past 5 years they have ruined my credit with multiple infractions; including but not limited to reposting old closed credit accounts as new open debts, marking late or missed payments on accounts and never dropping them after our Leander reached out to them on several occasions with proof of on time payments made. The offered loans and credit cards that I never would have initially applied for if they weren't guaranteeing excellent approval odds, just to be denied and lose credit points. They have been the reason my score is constantly up and down because a lot of the reports have inaccurate information even though I am constantly sending them disputes on the old/paid/closed accounts, inaccurate approval statuses and inaccurate payment status history. This company is unethical and needs to be monitored more carefully.
Consumer complaint received 2022-07-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Estate Information Services, LLC (TX)

ESTATE INFORMATION SERVICES , LLC dba XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH. XXXX ATTENTION : GENERAL MANAGER REFERENCE : XXXX SUBJECT : XXXX XXXX XXXX  I, XXXX XXXX residing at XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX I am receipt of a letter that is dated on XXXX XXXX in regards to an alleged debt that is owed to XXXX XXXX XXXXXXXX XXXX  in the amount of {$2600.00}. 

I reviewed the letter and noticed that the date it was sent to me in XX/XX/2022. The letter had a completely different day to respond back to dispute the debt. The date in three areas are XX/XX/2022. 

How can I respond to a correspondence that is sent to me on XX/XX/2022 and it has XX/XX/2022 to respond back? 

I think this some type of scam and very suspicious an I want a complete investigation regarding ESTATE INFORMATION SERVICES , LLC dba XXXX XXXX practice of doing business with consumers. 

Why would I receive a letter instructing me to pay for alleged debt when all the information is different regarding how to dispute the matter? 

I know in midst of this Covid-19 era they have been loads of scams running around the country defrauding consumers. 


Please review all attached documents. 

Thank you, XXXX XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-09-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm formally requesting the immediate blocking and removal of accounts on my consumer report linked to identity theft. These accounts were included without my written authorization or wet signature. I've previously contacted your organization about this issue. 

The presence of these fraudulent accounts has caused me significant emotional and financial distress, misrepresenting my credit history and hindering important financial goals like purchasing a home and providing for my family.
Consumer complaint received 2022-12-07
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: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

After Reviewing my credit profile on XX/XX/2022 I identified a discrepancy with the account listed under Portfolio Recovery Associates and validation was requested as this was an account that i did not recognize. I reviewed my credit report the following month on XX/XX/2022 and the account continues to reflect on my credit report and i have not received any correspondence from the creditor to validate that this account as correctly belonging to me, nor has my credit credit report has been updated that the account is disputed. I do not believe the account belongs to me nor do i believe that the creditor has authorization to access the account nor have authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all XXXX credit bureaus until adequate validation has been received proving the account belongs to me and the information belongs to me.
Consumer complaint received 2022-09-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (NJ)

I currently have a mortgage with PNC. I'm continually being sent letters for non payment. The bank seems to purposely either not process the payment or is losing it. It has taken them on my last payment an extra 18 days to process a payment. It seems they are in the business of purposely making my payments delinquent. I have all the dates of when payment is sent. I have always paid this the same way since the beginning of the loan. Now there is always some confusion with their system. There is a example of a payment that was from XXXX that should be applied to XXXX and they still have not completed this payment.