davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX XXXX Balance : {$70.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX Balance : {$220.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$43.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2022-06-28
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: TD BANK US HOLDING COMPANY (MI)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the XXXX XXXX and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-11-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

Account # XXXX On XX/XX/2022, I sent a Debt Validation Letter ( see attached ) to Portfolio Recovery Associates LLC in response to a statement I received from them concerning a debt they were attempting to collect. Portfolio Recovery Associates LLC has not sent any documents I have requested in order to validate the alleged debt. I have only received statements from Portfolio Recovery Associates LLC, which consists of addresses I have never lived at and accounts that do not belong to me. I received these statements by mail on XX/XX/2022. I requested evidence to validate the alleged debt, specifically documents that bear my signature and other documents listed in my debt validation letter.I have not received sufficient evidence or any of the documents I have requested from Portfolio Recovery Associates LLC regarding validation of the alleged debt. I have never had a relationship or contractual agreement with Portfolio Recovery Associates LLC and I am not responsible for the account they are referring to. The account does NOT belong to me. Portfolio Recovery Associates shall NOT report information to any consumer reporting agency using my personal information. Any previously reported information relating to me must be deleted from my credit report effective immediately.
Consumer complaint received 2022-06-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (TX)

I was contacted by Venmo regarding an attempt by someone to send money to someone living at a refugee camp near XXXX, XXXX. I told them it was complete nonsense. They contacted me on XX/XX/XXXX and told me that someone made a mistake but that they wouldn't do that again. 

One XX/XX/XXXX - one week later!! - they were contacting me about a {$2000.00} transfer to someone from XXXX XXXX Bank. I told them it was fraud. They refused to help me unless I provided them with a picture of my driver 's license. Which has my full, legal name, my address, and my DOB. I'm not going to provide that to them to facilitate other schemes they may have.
Consumer complaint received 2022-06-28
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: National Credit Systems,Inc. (MI)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the XXXX XXXX and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-04-12
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: Experian Information Solutions Inc. (IL)

In accordance with the Fair Reporting act XXXX XXXX XXXXaccountNumber XXXXhas violated my rights. 

Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX 15 U.S. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reportingagency can not furnish a account without my written instructions
Consumer complaint received 2022-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I wanted to try to get a personal loan and these inquiries were on my reports and it will affect my outcome of getting the loan. the inquiries are ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AP)

Filed complaint XXXX with CFPB, including the fact that I am serving overseas with an APO address. The email response from BoA to complaint forwarded from CFPB was to email and say I need to call them during US Eastern time. 

This puts an unacceptable burden on someone stationed overseas, in my case in XXXX, about the maximum possible number of time zones away from US Eastern Time.

Plus, they assume I can easily just phone them from overseas, which can be quite expensive. 
This makes me think either 1 ) they did not actually read the complaint that states I am overseas or 2 ) they cynically use this ploy of forcing someone stationed overseas to call them during US hours on a US phone number to further disadvantage Americans serving overseas and to manufacture, for reporting back to CFPB, the lame excuse that the complaint should be closed without action since the customer did not make that phone contact in time. Or maybe worse 3 ) Thy want to get the customer on the phone, where this is no written record, so they can claim to CFPB that the complaint was adequately closed out, while not actually providing relief. 
NOTE : It is hard to simply assume noble intent of a company that I already had reason to complain about. Any company initial response demanding a phone call from the customer in order to continue the process should keep that in mind. The customer already thinks the company did something wrong, so trust is already lost, making that customer more likely to assume bad intent on the company 's part. 

Email notice from the company asking that I call : -- -- -- " Thank you for contacting Regulatory Complaints of Bank of America. As your Resolution Specialist I welcome the opportunity to address your concerns. 

I am your point of contact until this matter is resolved. Before I complete a review of your concerns, I need to confirm that you are the party who engaged the CFPB by speaking with you directly by telephone. Please contact me by XX/XX/2021, to confirm that information. My days and hours of operation are Monday through Friday from XXXXXXXX XXXX. to XXXX XXXX Eastern .... "
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I wanted to try to get a personal loan and these inquiries were on my reports and it will affect my outcome of getting the loan. the inquiries are ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (NC)

I have a Caesars Credit card through Comenity. I have been trying to get access to my account for a week now and can not. The company is " undergoing maintenace '' and does not allow access to the online portal. I also was calling daily for information and nothing could be given over the phone as well and cant even make payments. Now when I call the service has been turned off " due to unforseen circumstances. I do see hundreds and hundreds of people dealing with this also. Its a nightmare working with this company. I have been in retail for over 20 years and never dealt with such horrible customer service and to not get an email or phone call before this is just wrong. I feel the company is being decietful. 
Regards XXXX XXXX
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SMITH, ROUCHON & ASSOCIATES, INC. (MN)

I had 2 accounts with this agency. One of which has been paid in full in 2020. That left 1 account that is listed duplicated on my credit report. Further more this is a medical collection under XXXX and should be removed immediately
Consumer complaint received 2019-12-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (PA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2021-03-02
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. (FL)

Please support me and help me as today in the morning I saw my credit report and I saw accounts that are not mine. I am very stressed out because of these accounts as I am for sure identity theft victim. How can I protect my personal information? What shall I do? How to survive now when I have an accident and unknown accounts in my profile? Life will be different now as all my plans got ruined by bad reporting by Bureaus. Please support me and remove all the accounts. Please I rely on you guys.
Consumer complaint received 2022-06-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (OR)

On XX/XX/XXXX I called US Bank collection department. I advised the agent I had been referred to XXXX by US Bank and needed to determine the amount owed to get the account removed from the system. I was advised roughly {$1900.00}. I was advised to visit the branch to determine next steps to getting the old account ( s ) removed so I would be eligible to open a traditional checking account. I visited the XXXX branch of US Bank that day, however, when I requested to speak to a branch manager I was asked to, and agreed to, make an appt. for Tuesday, XX/XX/XXXX. I later canceled that appt. I visited the branch on XX/XX/XXXX and again told the teller I needed to resolve an old account that had been referred to XXXX. The teller called the collection department and was advised approximately {$2400.00} to get the accounts ( checking/savings/cash advance ) removed from XXXX. The branch manager, XXXX, came by and confirmed the payment would remove the accounts from the system so I could open a new account. I left the bank and returned with the cash to pay the debt. I scheduled an appointment for XX/XX/XXXX for the manager to confirm the accounts had been removed and to discuss opening a new account. 
I believe US Bank misrepresented the status of these accounts and was deceptive in their collection. I stated multiple times, to several employees, that the whole purpose of my contacting them was to remove these accounts from XXXX. The answer to my request should have been " we are not able to fulfill your request because there are no US Bank accounts of yours in XXXX to be removed. ''
Consumer complaint received 2022-06-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (TX)

The company is very deceptive ; they call and don't leave messages, I have authorized them and instructed them to leave messages and they do not. 

I have to call back and there wait times are ridiculous. 

They have poor internal communications where the departments don't talk to each other. I am being asked to continue making escrow payments and required by the lender to make escrow payments for property taxes but I have provided them with a letter from the taxing authority stating I am 100 % exempt from paying property taxes. 

This company makes it difficult to pay on time and to resolve issues timely. These tactics are predatory and aim to hinder ones ability to pay timely so that the company can foreclose on your property.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (GA)

XXXX XXXX credit card is issued through Comenity Bank. 

They have a horrible security practice of making the account number the credit card number. This is terrible IT security. This " account '' number isn't on any statement that they send you, they assume that you will know it is the credit card number. 

Currently it seems all of their ( Comenity Bank ) systems are down. They had a planned website update, but users are now unable to log into accounts. They also offer a " fast pay '' service where you put in your credit card number ( aka account number ), zip code, and last four of social security number then it will let you make a payment. That is down as well. This is a great way to have built in identity theft .... 

I was able to log into my account yesterday, but it said that I was unable to add a bank account to make a payment due to their system upgrade. Then today, I am unable to log in. My account is currently past due, and I am trying to pay before it gets sent to a credit bureau that I am late. 

I called their customer support number, and it says that they are currently upgrading systems and to call back later. Then it hangs up. This is unacceptable. 

I have messaged XXXX through XXXX, and Comenity Bank 's XXXX page is covered with users complaining about this. Comenity Bank 's response is a boiler plate reply that they hit an issue with the upgrade and are trying to restore service.
Consumer complaint received 2022-06-22
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2022-06-22
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2022-06-22
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

RE : XXXX Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that XXXX 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - {$10000.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2020-04-17
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. (TX)

There is a collection company reporting on my credit file that actually reaged a very old debt. They have it appearing as though the account just went to collections and there that is not the case. There has been no service with the original company for over 7 years. This I thought was illegal. The name of the company is XXXX XXXX XXXX
Consumer complaint received 2021-03-02
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. (IL)

Approximately XX/XX/XXXX and before this date there have been other appeals to and in regards to this matter I have submitted letters to XXXX and Experian about credit errors and improper information on my credit report. I have filed reports with FTC and police reports to validate my claim and sent the necessary paperwork to XXXX and Experian. However, XXXX and Experian continuously sends me computer generated responses stating that they have validated that the account in question which is a Chapter XXXX Bankruptcy listed in XX/XX/XXXX is accurate, along with other accounts XXXX XXXX XXXX which doesn't contain the correct address/incorrect spelling is a direct violation of FCRA, XXXX XXXX, and XXXX XXXX XXXX. I have made several phone calls and have talked with different representatives and fraud department officials in regards to this matter and nothing happened. I also have contacted the creditors themselves in an attempt to resolve these issues and they could not and have not submitted proven to me with original copies of my signatures for these above mentioned accounts in months. This is a total disrespect and it is the main reason for me not being able to qualify for a mortgage. I have hired an attorney and he instructed me to file this report before proceeding one last time. I demand proof. If not, remove these accounts not just computer generated letters. I do not accept them.
Consumer complaint received 2022-06-28
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. (NC)

Account # XXXX with XXXX XXXX is appearing on my personal credit report as a result of fraud. This account was a result of identity theft. The attached FTC Affidavit is in support of Equifax Dispute Confirmation # XXXX and Equifax Dispute Confirmation # XXXX Item continues to re-appear after Equifax Deletes item.