davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

Contract # XXXX XXXX XXXX XXXX contract XXXX. TENDER OF PAYMENT REMINDER NOTICE THIS DEBT IS DISPUTED I XXXX XXXX XXXX have Tendered payments thereto XXXX Bank on XX/XX/2019 with proof of service and signatures required signed by all creditors as of XX/XX/2019 when mailed out via USPS with proof of service. The law stalest that i must receive a Written Notification About Debt The law : Within five days of initially contacting you, the collector must send written notice of the debt that includes : The amount of the debt The name of the original creditor to whom the debt is owed A statement describing your right to dispute the debt. They have failed to do this. 
On XX/XX/2019 I received five phone calls from an unknown Florida number. The calls were made every hour between XXXX a.m and XXXX a.m and one was made at XXXX p.m. XXXX XX/XX/2019 I received four calls from the same number, XXXX every hour between XXXX a.m. and XXXX p.m. and one at XXXX p.m. It was not until the last phone called I received where a voicemail was left from chase and its card services. When I researched the number online I saw that it was a debt collection number from chase. Why is chase harassing me to collect a debt on a card that was paid in full on XX/XX/2019 for the amount of one XXXX XXXX XXXX and XXXX dollars and XXXX XXXX cents? Furthermore it has been [ 37 ] thirty seven days since the debt was paid in full and it has not reflected on my credit score.
Consumer complaint received 2020-11-28
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was looking over my credit report and noticed that this company is inaccurately reporting negative items. I submitted disputes over 60 days ago and haven't gotten a response or a solution to my problem! I have attached those letters for confirmation.
Consumer complaint received 2023-07-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

I have cash app account and I've been trying for over a week I have {$200.00} in my account and they close my account for no reason they're making excuses saying I have not been verified I've been using this account for quite some time I ended up getting a new phone a new email and a new device so I have a hard time logging in so I called the company and I asked him if they can transfer it into my linked account that I have on cash app and they refuse to help me to hang up on me they're rude they're playing games every time I call they're making excuses and they're saying that they can not transfer anything it's not successful but I gave them all the information all my personal information and every time they hanging up on me they have me on hold for like XXXX hours and I've done everything I could with customer support I need help they're not giving me my money out of my account and they block it every time I use a cash app and make another one they will not no longer accept me to open another one they keep telling me open a new one will transfer it and they will not help me I need to get my funds out of this account and I can not get it they will not help me out I know my information but they keep saying it's not validated which I know it is because I always write down the same thing and use the same passwords all the time I just not able to access my old cash up account that I was using currently cuz I have a new phone so I can not verify it through my new phone so I called them and they will not help me out it's been over a week now all day long I've been doing this and they will not help me they keep hanging up on me I think they're scamming me for my money I'm trying to get my friends out of this account it's {$200.00} thank you so much
Consumer complaint received 2020-07-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XXXX XXXX 2020, My XXXX XXXX Account Was Hacked, My XXXX XXXX Account Is Link To My Debit Card Which Someone Hacked My Account And Made 3 Transactions Of XXXX XXXX In XXXX XXXX. Ive Made A Claim With Capital One Reguarding This, They Sent Me A Letter Stating 3 out Of 4 Of The Transactions I Am Responcible ForAnd They Will Be Taking A Total Of {$980.00} Out Of My Account And Also Closes All Of My Accounts With Them..What Ever Investigation They Have Done Was Not Correct, I Have Never Made A XXXX XXXX Transaction To XXXX XXXX In The Past Or Future
Consumer complaint received 2021-11-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hello, To whom it may concern The companies TRANSUNION, XXXX, XXXX XXXX, XXXX XXXX XXXX, AND XXXX are refusing to remove the following inaccuracies from my credit report after disputing the matter since XX/XX/2021. The following accounts needs to be deleted and removed immediately, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : LATE PAYMENT. As I was never late on the XXXX XXXX account, and the other following accounts were not verified, nor accurate. The following companies are also reporting incorrect amounts owed and dates. The companies are giving me a hard time disputing the information. Threatening to keep the debt, and or public record on my credit report for XXXX  years. Advising me to stop calling, and disputing the inaccuracies, due to the choice theyll never delete it. TRANSUNION and XXXX is also giving me a hard time when disputing the bankruptcy public record and deleting the derogatory record. When Ive already provided multiple documentation stating the following accounts are not verified nor accurate. Its unfair for the three credit bureaus TRANSUNION, XXXX, and XXXX to report different account information, and different balances when a consumer is not responsible of the inaccuracies.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2020-11-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (GA)

Since XX/XX/XXXX I've written to National Credit System requesting debt validation on alleged account # XXXX, and have had no response and it is still being reported. Other requests were mailed on XXXX, XX/XX/XXXX, and XX/XX/XXXX. How could the matter be resolved when I have NEVER received debt validation from NCS or debt verification from the bureaus? So it is so just because NCS says it's so? I thought the whole purpose of the law was from them to provide proof within 30 days. It's been almost 6 months. Why hasn't this company sent to me whatever information they are sending to the credit bureaus that the account is " verified as accurate and updated ''? I don't believe the debt can be validated. I don't believe the bureaus did an investigation because when I asked how was it verified the bureau 's response was contact the creditor. I did that and they didn't answer.
Consumer complaint received 2019-05-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I had disputed several accounts posted by XXXX , XXXX collection agency in my Transunion files that belong to my Ex-wife. 
Reporting agencies are supposed to report accurate information but Transunion continue to report accounts thatre not mine. 
XXXX , XXXX is aware that these accounts are not mine, but they continue to report these accounts to the credit bureaus. 
I had disputed these accounts with both TransUnion and XXXX , XXXX. 
The facts are, first I never been at XXXX XXXX XXXX for anything. Second my Ex-wife and my children are cover by my health insurance company that is why they have my name and social security for purposes of filing insurance claims but, in no way, Im obligated to pay for any contract my ex-wife gets into it. 
XXXX XXXX XXXX had summitted claims with the wrong social security number and that is why those accounts were never settled on time, they were settled at a later day and that was an error made by XXXX XXXX XXXX when they used my ex-wife social security number to summit the claims. 
So, getting back to XXXX , XXXX I was never notified of any collections by XXXX , XXXX or their client XXXX XXXX XXXX, I discovered these collections after requesting my credit report. 
Immediately after discovering that XXXX , XXXX had posted these negatives accounts on my credit report I disputed these accounts with TransUnion and I requested debt validations directly thru XXXX , XXXX. 
XXXX , XXXX had never responded to any of my request even after I informed them that these are my accounts and they had not produced any documents showing that makes me responsible for these collections. 
I believe that TransUnion favor they paid clients and really dont want to upset by requesting full verification from XXXX , XXXX. 
Its not fair that thousands of innocent consumers life is damaged by the behavior that TransUnion had shown over the dispute process and collection agencies like XXXX , XXXX that reports inaccurate information without any consequences due to the loop holes in the laws.
Consumer complaint received 2020-11-29
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 — Investigation took more than 30 days
Company: Resurgent Capital Services L.P. (IN)

Its more more than 30 days into the investigational and I still haven't gotten a response regarding debt validation. I sent a debt verification letter to lvnv funding for 2 accounts for XXXX and XXXX dollars. I sent disputes letter to lvnv and the 3 bureas over 30 days ago and still haven't gotten a response.
Consumer complaint received 2019-05-07
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: CITIBANK, N.A. (NC)

I entered into an agreement with Sears Home Improvement for siding to be installed on XX/XX/2019. I cancelled the contract within the limit allowed by my state. I was approved by a finance company, approved through Sears Home Improvement for the loan, to have siding installed, which I also cancelled. An inquiry appear in my credit report for a Sears Home Improvement credit card on XX/XX/2019. I did not apply for the card nor gave permission to apply for the card on my behalf. This was done without my knowledge. I signed a document, that I can no longer access, that only gave Sears Home Improvement permission to gain financing which was approved when application was submitted. The credit card had no baring on financing for the siding. I contacted the credit card issuer and told them that I wish to cancel the card and this was fraud. I have since destroyed the card. The issuer have not cancelled the card and is not reflected in my consumer credits reports. I reported this to all three credit reporting agencies and no fraud alert has been set and they have found that the inquiry and credit card were reported accurately. During the meeting with the salesman, there was no mention of a credit card. Due to a death, there was a delay calling the issuer. This should have no effect on my request to cancel the card.
Consumer complaint received 2022-10-12
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

on XX/XX/2021 I got a notification about my new credit score being decreased quite significantly. I have since attempted to dispute this account that has never belonged to me. When I looked into this a bit deeper I saw the the address attached to the account and the information used to get the credit card I realized this was Identity fraud ( by possibly one of my uncles in the USA ). 

I attempted to get this resolved directly many times but they requested a police report which I was not able to provide due the fact that I had no information on the uncle I suspected of doing this. I have requested original documents from XXXX, XXXX, TRANSUNION and for them to validate the debt based on the other Items I have disputed on my account. 

This is really affecting my life in a negative way as I have not been able to get a place or get a loan to get a car. I am Trying everything to get this out of my credit report and XXXX, XXXX, TRANSUNION has been making this process supper difficult. 

I have saved up enough to buy a house for me and my family, but my credit is affecting this majorly. 

I have attached the last person to review my file and has not reposed to me in the 30 days indicated by the CFPB. 

The difficult issue here is that I have tried everyday possible to get some sort of response from the credit burrows and all they do is update my account when I ask for a full validation and for them to provide the original documents. I am beyond frustrated and I am just looking for some direction. I can't wait 7 year for this to be removed when I was not the one responsible for this. 

I hope you are able to help CFPB. 

Thank you for your time reviewing my case.
Consumer complaint received 2024-12-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY (TN)

Spoke to XXXX Wells Fargo XXXX XXXX XXXX XXXX, XXXX, she stated she didn't see there was still a foreclosure Wells Fargo XXXX for XXXX XXXX, XXXX. I said I have mail from the law firm that it's and foreclosure. Transferred me to foreclosure dept spoke to XXXX stated the XXXX XXXX statement showed foreclosure was suspended as of XXXX XXXX. She would contact the law firm to alert them again that they need to send the homeowner a letter stating the sale has been suspended. She added the law firm is connected to their system, and they're supposed to update their system to reflect the changes on XXXX XXXX 's account as it takes place from Wells Fargo Mortgage. 
Trial Modification approval documents was received from mortgage servicer. Received foreclosure letter from foreclosure attorney saying sale date is XXXX XXXX, XXXX. 
with Wells Fargo customer s
Consumer complaint received 2021-11-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Advance America, Cash Advance Centers, Inc. (MI)

I took out a payday loan from Advanced America for the amount of {$150.00} which added up to {$170.00} after taxes and fees XX/XX/XXXX from a XXXX XXXX XXXX account. 
On XX/XX/XXXX, I found out the Advanced America had stolen {$280.00} from my XXXX XXXX  account, an account that I did NOT give them account information for and did NOT give Advanced America legal authorization to access. 
Not only did Advanced America steal money from an entirely unrelated bank and fairly new account, but they also increased the debt by 65.88 % which is more than double the amount of the original loan. 
Then, via their website, Advanced America are STILL expecting a repayment of {$170.00} even after illegally removing {$280.00} from an account that they were never given information for or access to. 
I'm in the midst of finishing up repairs on my house, and this unexpected, unauthorized, and illegal money grab is putting me in more of a bind because I was blindside by said expense. 
Even according to their own website, I have NO bank accounts connected to my Advanced America account, and without prior consent for that particular account, Advanced America illegal accessed funds from a separate account.
Consumer complaint received 2019-05-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Arbor Professional Solutions, Inc. (OH)

XXXX Arbor Solutions XXXX XXXX  reported 4 accounts to the credit bureaus without notifying me in writing or giving me the opportunity to dispute the debt. 
I have two insurances and XXXX failed to bill both insurances. I submitted my information to them on several occasions. I contacted promedica and they are finally billing both insurances at this time after they send my account to collections in error. 
I contacted XXXX XXXX credit bureau to tell them this and the representative responded by saying " I am sorry you feel this way ''. I also told them that I never received anything in writing from them and that they were obligated to give me an opportunity to dispute the debt as well as validate it. Their response was they couldn't help it that the United States Postal Service dont reliever mail correctly, which is untrue, they never mailed anything. 
This company reported illegally against my credit file being that they never validated this account or gave me an opportunity to dispute it
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX, I requested a copy of the credit report from XXXX. I received the copy, Report XXXX. XXXX. 

The credit report has the following HUGE error - The social security number is not mine. 
The following additional errors as also present - 1 ) One of the names is not mine. Most of the names are variations of my name, and are accurate. and 2 ) The name of my curent employer is missing, and one of the past employers is wrong. 

I attempted to reach Experian at the telephone number they provided and also to create a report on their website. I was unable to get connected. Made serveral attempts. The Experian telephone number hung up on me three times, and I never got to a real person. 

Out of fear that the incorrect SSN could be evidence of or lead to identify theft, I called CFPB to help get Experian 's attention.
Consumer complaint received 2021-03-31
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2023-06-09
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-11-30
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)

This is XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} Date Opened : XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$260.00}