davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-19
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)

I've been in correspondence with the three Bureaus about the misuse of my credit report and they responded with a superficial answer not even addressing the complaint. I'm requesting a thorough investigation of matters and my report corrected. I've asked reporting agencies to not place items on my report without my written permission. However, they have ignored my appeal and I am now requesting CFPB to correct this matter, so I don't have to contact the Attorney General. 
In accordance with the fair credit reporting act 15 U.S.C 1681 section 602A my rights have been violated because i have the right to privacy. Also, 15 U.S.C 1681 section 604A also states a consumer reporting agency can not furnish acct info without my written instruction. 
These companies continue to report after my request to stop : XXXX XXXX XXXX  acct # XXXX ( XXXX  XXXX XXXX XXXX XXXX ). XXXX  XXXX acct # XXXX. XXXX XXXX acct XXXX XXXX. XXXX XXXX acct # XXXX. XXXX XXXX XXXX XXXX acct # XXXX. XXXX XXXX XXXX acct # XXXX have all violated my rights and i want the accts removed.
Consumer complaint received 2019-10-29
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)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMO Bank, N.A. (PA)

Received a response from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX around XX/XX/2022 from a complaint made with the CFPB. The complaint was about the inconsistencies of bill pay and reporting with the company throughout my time having this lease out. 

He admitted to these mistakes and assured that no negative reporting would be made. 

I checked my report and saw that it was a negative mark that has effected me by a XXXX  point swing. I submitted the dispute with XXXX  and the company disputed and didnt hold up their end of the bargain. 

I have also reached out by phone to bmo Harris bank
Consumer complaint received 2019-10-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

My loan was initially with XXXX and was acquired by XXXX and later by Nationstar ( Mr. Cooper ). 

My loan is an adjustable rate based on the LIBOR index, and I have tried unsuccessfully to lower my payments by submitting for a loan modification over 40 times and each time I was denied. 

During this process when the RE market was down with the exception of the past 5-6 years, I have tried to get my loan modified, but to no avail. 

The reason that I got behind was because I was seriously ill, and then unemployed for a long time after that. 

I would like to get my loan modified and to keep my home.
Consumer complaint received 2021-02-10
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. (TN)

credit beuarus are refusing to correct inaccurate information such as in quires and also proof of things that should be deletthese companies have not provided any original documents or any contracts bearing my signatures and yet they still reporting and not being held accountable.
Consumer complaint received 2021-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

In XXXX of 2020 I saw fraudulent activity on my credit report. Someone tried to get credit in my name. A couple months later, I decided to freeze my credit report. So I froze my report on XXXX, XXXX, and Experian. I also placed a security freeze with XXXX, XXXX, and XXXX. 

Here I am, a month or so later ... and on XX/XX/XXXX I find another fraudulent inquiry on my credit report. I contact my credit monitoring service and they tell me that the fraudster was able to unfreeze my credit report through Experian and apply for credit. 

They did this using my SSN, address and date of birth. All information that they could have easily acquired through widespread data breaches from companies including Experian themselves. 

This fraudster was able to fill out an online form on Experian 's website, using a completely new email address, and get access to my credit report using that information. How am I supposed to protect myself, when the " guard '' ( Experian in this case ) opens the door to the very people I'm trying to protect myself against. 

Since this happened 4 days ago, I have found articles going back 4 YEARS complaining that Experian has this gaping security hole through which anyone can easily gain access to a user 's information and remove a credit freeze. That is a long time to not fix a serious problem! Now, because of Experian, I not only have someone applying for credit in my name, that fraudster now has access to everything on my credit report because Experian GAVE IT TO THEM ... after I explicitly told Experian to NOT give anyone that information. 

Finally, after all this, I have made several attempts to contact Experian but can not reach a live person via phone. I can't access my account online. And my only recourse is to try to reach them via postal mail. So now I'm supposed to communicate by mail, over the course of likely days, weeks, or months ... to resolve this issue, during which time I fear Experian will continue to give access and resources to the identity thief. 

There are 2 criminals here. 1 ) The identity thief. And 2 ) Experian. The far worse criminal is enabling more of the first, and they are doing it under the protection of the US government. I want this to STOP, for Experian to be held accountable, and for Experian to put REAL protections in place so this can't happen anymore.
Consumer complaint received 2022-12-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (NC)

I sent a letter to Bull City Financial Solutions on XXXX XXXX XXXX, about some collections they reported on my credit report. I told them I was writing them a letter to tell them to send the debt back to the original creditor XXXX XXXX that sold it to them. It's illegal but not enforceable for a collection agency to buy debt from another company, then go after that person as if they had a contract with their collection agency. I know this collection agency does not have any paperwork showing that I made agreements with you with my signature. I told them that if their collection agency does not send this debt back to the original creditor, I will file a complaint with the CFPB, XXXX, FTC, and Attorney General. Also, I will hire a consumer attorney to sue your company for injuries up to XXXX. I will also file complaints against the credit bureaus. Despite a previous written request on XX/XX/XXXXthese debts, which I told them to send back to the original creditor, remain on my credit report in violation of federal law.


Re: Account #'s
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
Consumer complaint received 2021-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Amidst this worldwide crisis that we are facing with all that is going on this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.
Consumer complaint received 2021-04-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have disputed an authorized user, XXXX XXXX XXXX  card for several months. I disputed with XXXX, Transunion, XXXX  and with XXXX XXXX. XXXX XXXX representative " XXXX '' says there is nothing can be done. 

The problem is that I never authorized anyone to add me as an authorized user and this is FRAUD. I found out about this when I checked my credit report. I have asked that this account be removed from my credit report but none of the companies will do anything about it.
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I am a young kid with a whole life ahead of me and I can not do anything in my life currently because of the effects of this negative account reporting to my credit. I have reached out to all bureaus in regards to this single account that is effecting me and causing me stress. There has been no help or validation of the account from any XXXX of them. The account that is not validated and totally violating any sort of compliance in regards to credit reporting is, Account name : XXXX XXXX, Account # : XXXX, Not to mention this account is not even reporting to my XXXX account therefore it should not be reporting to XXXX XXXX XXXX Experian. PLEASE DELETE THIS ACCOUNT AS SOON AS POSSIBLE!
Consumer complaint received 2022-07-14
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated (SD)

XX/XX/XXXX used for XXXX  purchases and XXXX XXXX XXXX transfer and previous XXXX XXXX XXXXXX/XX/XXXX was told that my card would be " white listed '' to be used for XXXX XXXX  and/ or XXXX XXXX XXXX XXXX calls on XX/XX/XXXX and was told my card was " white listed '' however my card was not able to be used for XXXX XXXX or XXXX XXXX XXXX XXXX purchase I spoke to 2 different Rep each time I called this day because the 1st could not help me because of the Card State of XXXX XXXXhey needed to transfer to a rep that could do XXXX. I would told several times that I had to wait XXXX hrs and try again and I did this all day on XX/XX/XXXX. and to no avail I could not use the card. 

I was told if I continued to try to use my card for XXXX purchases including XXXX XXXX I would lock up my card and eventually would have to order a new one. 

On XX/XX/XXXX I figured I would wait XXXX hrs and I try to use the card as previous had and I was told all day long wait XXXX minutes or XXXX hrs and this day there was 6 different calls when I got hung up on twice.

6 th call the male rep told me that I could not use it for XXXX  purchases and my card was already white listed. I then asked when theses changes were sent to me he stated they were not I am telling you about the changes now. 

I asked if they were emailed or sent to me and he said no he was going to tell me how to use my card to get money at the ATM that I could send I told him I get charged {$2.00} up to {$4.00} to use an ATM and if I use the cash back option on some purchases it cost {$1.00}
Consumer complaint received 2022-07-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (IL)

On XX/XX/XXXX A third party gained access to my Coinbase account. My assets were sold into USD. All transactions on this date were unauthorized. The money was then transferred into XXXX debit cards not in my name to XXXX XXXX XXXXXXXX accounts. This was done with instant transfer not ACH. The amount was {$63000.00}. This happened around XXXX. It only took XXXX minutes for them sell everything and transfer the money into these debit cards. The next morning I had no access to my account so I called up Coinbase to ask what is going on. They informed me there were many transactions the night before i had my account frozen and told them everything done was not by me and freeze any transactions that might be in progress. After i regained access to my account I was able to see that these were not blockchain but USD that was taken off their platform. I made them aware of this many times and asked for the full name and account numbers to where my money was sent. They refused to give me that info, but a couple times they told me the name and bank where it was sent to. After being put on hold and ask for the name and bank again they told me they were not supposed to tell me that. they did nothing to help me out or figure out what happened even when the detective working the case needed that info. They could have contacted the bank it was sent to and at least try to do something but kept telling me all blockchain transactions are final. This is not a blockchain transaction but USD and would not listen. After waiting over 2 months after filing a formal complaint, they told me the same thing, all blockchain transaction are final and can not be reversed. They must be held accountable, what XXXX safeguards where made when these cards were added to my account? Did they follow XXXX guidelines? Did they file CTRs to the IRS? I can not believe that any company in the US would allow that much money to be taken out in such a short period of time, without allot more protection for the account holder.
Consumer complaint received 2022-07-08
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)

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 acct # : XXXX XXXX XXXX XXXX  acct # : XXXX XXXX XXXX XXXX acct # : XXXX 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 2019-05-21
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. (CA)

As a young girl I had no idea about the affect of rates and XXXX and not been schooled by regulators like the cfpb mso following the fair lending act was not a priority. Following a few unauthorized chages and taking my dying father on some trips before he past I began to strugle with the payment and had noidea howt o argue the unauthorized items. 

Never the less, XXXX XXXX XXXX continues to practiceshady principles byenetering reporting dates of XX/XX/XXXX when the account was closed inXX/XX/XXXXmorethan13 years ago. The items SHouldhave been removed on time alone but Icontinue to struggle with the CRA 's to take notice and remove them and they continue to rob our right of a full life that my husband and I deserve. 

FCRA laws point to the fact these should be removed desopite XXXX  XXXX XXXX shady reporting and zim hoping you folks willbring them backto reality.
Consumer complaint received 2020-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (IL)

My husband passed away on XX/XX/2020, I am XXXX XXXX XXXX. To avoid any charges on our card, I cancelled his card for being deceased, and also cancelled my card and BP - Synchrony Bank issued me a new card number. I noticed charges on our card for XXXX and Amazon but had no idea what they were, they could have been my husbands. Even after I cancelled my card, BP aka Synchrony subsequently gave XXXX and Amazon the new account numbers. The charges were not authorized. I do not have access to the XXXX or Amazon account, and Amazon says I must log in, XXXX would only say the charge was valid. I disputed the charge On XX/XX/XXXX, they made me fill out paper forms and send them in to dispute, later I subsequently called the company where I was told they cant stop it, and they will give out my card number for recurring charges. I explained that these were not authorized, and I would cancel my account if they showed back up. They stated that even if I cancelled my account with BP and Synchrony, I would still be responsible and I needed to wait for the result of their investigation. After all this time, they credited me for one month, but allowed the charges to continue on my account the very same day. They are taking advantage of a widow senior citizen by not stopping these charges.
Consumer complaint received 2022-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Greetings. 

I've been sending disputes since XX/XX/XXXX, and on XX/XX/XXXX I sent in my most recent dispute to XXXX XXXX XXXX regarding Bank of America 's claim that check fraud has been committed. Within the dispute I have included all the required and supporting documentation : Identity Theft Affidavit - FTC Complaint Number - Copy of Photo ID - Police Report - Explanation Letter. 

I received a response through email from XXXX XXXX XXXX on XX/XX/XXXX and they have not removed the requested information of check/checking account fraud by Bank of America , Which again was a result of identity theft. I have provided the necessary documentation to prove so and they are violating my rights by not removing said information from my XXXX XXXX Report. 

I will upload the docs on this claim. 

XXXX XXXX XXXX XXXX Bank of America must provide proof that this was not Identity Theft If not they must remove information, please CFPB look over this claim. 

FTC Claim # XXXX
Consumer complaint received 2020-04-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Social Finance, Inc. (DC)

I opened a personal loan in the spring of XXXX for {$50000.00}. This month, I contacted SoFi seeking to refinance with a lower interest rate. 

Their online system quickly gave me several options. In order to complete my application for refinancing, I needed to establish my income for XXXX and XXXX. 

When I opened the loan I was a W-2 employee, but in XXXX XXXX, I left that company and started my own XXXX. As a result, they asked me to provide both my XXXX and my XXXX taxes in full. 

When I tried to upload those documents to their system, they where too large. The company had no other means to accept these documents. 

I pointed out that my XXXX income was established when they approved my initial applicatoin and they agreed, but they still had no means for me to send them my entire XXXX return. 

They also insisted that I complete the XXXX return -- it couldn't be in draft form. They also asked for business banks statements which I was able to upload into their system. 

Keep in mind that they were insisting that I file my taxes before the XXXX deadline. I pointed out that I owe the IRS money this year. Why would I lose 4 months of cashflow in order to save 4 months of lower interest payments? My federal tax bill exceeds the interest rate savings by thousands of dollars. 

Ultimately I told them that since they couldn't accept my tax documents anyway, even if they were completed early, I wanted to withdraw my application. I then asked them if they had placed a hard hit on my credit. 

They had. 

I asked them to contact XXXX  to suppress that credit request as I didn't want my credit score impacted. They agreed to and indicated that it would take as much as 90 days and that I needed to follow up with XXXX. 

Today SoFi told me that they " denied '' my application. How can they deny an application that I never fully completed? 

Again, I will follow up with XXXX  to be sure my credit report isn't impacted, but here 's the thing that is so stupid -- I have paid this loan on time every month. I just want a lower interest rate. And my income is greater now than it was when I applied for the loan and my credit score is actually higher. 

This makes no sense that I would be negatively impacted because they don't have a system in place to help clients like me.
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

Approximately a month ago I accepted an offer for a free trial of Experian XXXX XXXX from the Experian credit bureau. At the conclusion of the free trial I decided not to continue the service. Now, whenever I sign on to the Experian credit bureau 's website to access their free and legally mandated services and to review my credit report, it has me locked out of my account and demands payment for their subscription service. It offers no ability to contact anyone order confirm cancellation of the service and it has me completely locked out of my account and refuses to allow me to create another account with which to access my free credit report.
Consumer complaint received 2022-07-07
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. (IA)

"ON XXXX I SENT A "VALIDATION OF DEBT LETTER" TO XXXX XXXX XXXX. AS OF XXXX I HAVE NOT RECEIVED ANY RESPONSE AS REQUIRED BY LAW SECTION 1006.34 (c) OF THE FDCPA. THIS IS A VIOLATION OF MY RIGHTS. BECAUSE THE ACCOUNT WAS NEVER VALIDATED, IT REMAINS INVALID, SO THE CREDITOR/FURNISHER BY LAW, CANNOT CONTINUE COLLECTION ACTIVITIES, NOR REPORT THE INVALID ACCOUNT TO THE CREDIT BUREAUS. | ALSO NOTICES SEVERAL FRAUDULENT INQUIRIES, I BELIEVE THESE ARE THE RESULT OF IDENTITY THEFT. BECAUSE I DID NOT NOR DO I RECALL GIVING AUTHORIZATION FOR THESE INQUIRIES THERE IS NO "PERMISSIBLE PURPOSE." I DEMAND AN INVESTIGATION WITH ALL UNVERIFIED ACCOUNTS AND INQUIRIES DELETED IMMEDIATELY WITH A UPDATED REPORTS SENT TO MY ADDRESS. I DO NOT CONSENT TO ANY 3RD PARTY OR ELECTRONIC VERIFICATION."