davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-01
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)

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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts 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 accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$8300.00}, XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX BALANCE {$1100.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$1300.00}, XXXX XXXXXXXX BANK XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$1100.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$680.00}, and XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$0.00}. 

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 2021-08-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE (MN)

I opened a checking account online around XX/XX/2021 with Huntington bank. I deposited {$25.00} into the account. Huntington bank closed my account for reasons related to " risk ''. Which is interesting because I have opened accounts with other larger institutions since then, with zero problems. I have contacted customer service multiple times via chat and telephone asking when I will be refunded. They keep telling me the account is in the process of being closed. Its been over two months, does it really take that long to close an account and refund my money?
Consumer complaint received 2022-11-19
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. (DE)

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

Here is the list of items that do not belong to me or were opened without my permission. 

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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; 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 alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-05-16
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. (OR)

In accordance with the fair credit reporting act XXXX  account # 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 also states a consumer reporting agency can not furnish an account with out my written instruction.
Consumer complaint received 2021-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

all FCRA violations I dont not have all this : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, LA XXXX MULTIFAMILY Never lived
Consumer complaint received 2024-09-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelson Cruz & Associates LLC (TX)

In reference to the prior complaint XXXX XXXXXXXX against Nelson Cruz & Associates. I have requested over 45 days ago for a debt validation, original contract that is signed they sent a partial contract with about 25 missing pages and several missing signatures as well as wrongful audit findings. They have not supplied no documents with proof of ownership of the debt between them and the original lender to be able to collect on this debt. But have placed this debt on my credit reporting negative to damage my credit. They have tried to collect money from me for a settlement but can not provide proof or facts of any ownership on their or my behalf. Between all the disputes I have been doing with XXXX, XXXX, and XXXX CFPB they have now written off this debt and sold it to another lender. Which results right back to illegal actions not providing a 1099-C if they wrote it off they are to provide a 1099-C because I am to file that on my taxes. They have not provided the bill of sell between either parties that the debt has been passed around and bought back and forth to. They have not provided any debt validation and or proof on signed contract between any lenders. As I have stated in my prior complaint that I will have the IRS involved in these complaints and checking into this company auditing to make sure they are following state guidelines and regulations. I also will have my legal advisor attorney doing his investigation.
Consumer complaint received 2023-02-09
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. (TX)

My XXXX XXXX account XXXX, is inaccurately showing as a collection account on all three of my credit reports even though its in good standing with the company and each violations of this is XXXX dollars per day until its fixed and I need to have this fixed as I am trying to purchase a home. Attached are all the documents showing that the account is showing up as a collection on my credit report which is in violation of federal law and has made significant impacts to my credit.
Consumer complaint received 2021-02-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I used CFPB XXXX, XXXX, to help me recover my Credit Score ( XXXX ) unjustly reduced to low 600s by XXXX XXXX XXXX. This lease for a car was the 3rd one I ( Grandma ) co-signed for my Granddaughter. Their claim of {$2200.00} ended as satisfactorily paid. It took me until XXXX XXXX, XXXX ( only with CFPB help ) to recover my XXXX score. Very upsetting months of fighting. ( CFPB Complaint XXXX XXXX. 

Meanwhile, a new Credit Report, dated XX/XX/XXXX, showed this same account showing " Recent balance of {$2200.00} as of XXXX, XXXX Open ''. I wrote to credit company, asking them to DELETE this incorrect information. I was again SHOCKED to learn that my XXXX score had again been reduced to XXXX for SERIOUS DELINQUENCY!! I have NEVER BEEN DELINQUENT IN MY XXXX YEARS. 

On XX/XX/XXXX, I received a letter from a COLLECTION AGENCY stating their " client XXXX XXXX XXXX XXXX d/b/a XXXX XXXX XXXX has placed this account with our office for collection in the amount of {$2200.00} ''. I called this collection agency & XXXX XXXX to chastise them. ONLY TO HAVE ONE SUPERVISOR ANGERALLY ARGUE WITH ME THAT " NUMBERS GENERATED ON PAPER ARE NEVER WRONG! ". We agreed there was a {$500.00} balance owed, but not the entire {$2400.00}. Finally, after numerous calls, one nice lady looked at former claim conclusion & saw I was right. I demanded a full explanation in WRITING, along with MY SCORE BACK AGAIN ASAP ( 2 days ago ) & reporting all back to CFPB. 

In conclusion, XXXX XXXX DIRECTFULLY & PURPOSALLY ATTEMTED TO COLLECT TWICE FOR SAME CLAIM!!! At my age, if not for my 20 years in FLORIDA STATE GOVERNMENT WORK ( including 5 yrs in Consumer Fraud ), I AM SURE no one could have attained this result. PROOF OF TAKING ADVANTAGE OF SENIORS, as I witnessed in Consumer Fraud Dept over and over..
Consumer complaint received 2022-08-01
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: TOYOTA MOTOR CREDIT CORPORATION (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts information below : TOYOTA MOTOR CREDIT XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-24
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. (TX)

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a car loan opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. This account have resulted in several fraudulent hard inquiries and fraudulent collection appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2021-03-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (VA)

I received settlement letters in the mail on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2021 to settle the account for 50 % of the balance-which I accepted and paid. After, I asked if the company would update my credit report to show the account was settled ; yet, they reported it as still derogatory and still with a balance.
Consumer complaint received 2022-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (NJ)

Hello I was shopping for a vacation with wife and child I came across XXXX XXXX  thinking they had a bargain for flight tickets, I made a purchase than realized not so great of a savings. 

I canceled the purchase I was told I will get a refund I have an email confirmed the refund. Refund was given but than XXXX XXXX  made an unauthorized purchase on another airline on a different date. Once I realized that unauthorized purchase was made, I contact my credit card company Barclay master card had them investigate and cancel my credit card. XXXX XXXX  rebilled me and Credit Card company is complicated now and is not much help and should have never let the merchant rebill me.
Consumer complaint received 2021-03-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PROSPERITY BANCSHARES, INC. (OK)

Regarding XXXX XXXX XXXX XXXX ID # XXXX I applied for a mortgage with Prosperity Bank in received a prequalified letter for XX/XX/2021 to XX/XX/2021 for a conventional loan. I found a house which did not pass inspection. I found another house and was going through the closing process which was to be XX/XX/2021. 

When I started the process on the second house with another realtor the loan officer XXXX at Prosperity apparently threw my file away as if I had not recently received a preapproval letter which was still valid. She told me that I had to reapply for the loan, which was less than a month old. I RE provided all the documents requested and paid all the money for an inspection and at the end was asked to pay for an appraisal of {$700.00} which was overpriced as a standard appraisal is listed around {$250.00}. 

I found the letter stating that I may not need an appraisal and if I did it would be {$200.00}. 

All this time the loan officer was not communicating with me. My realtor and myself asked her if the loan was going to close and she said yes she wouldnt have me come this far in the loan process if I wasnt going to be approved. 

I work remotely and it was as if they made a point to get the company I work for to say I couldnt work remotely in Oklahoma then denied my loan. Sub services handles all questions about my work and they found someone who does not manage substitutes to verify a question that was out of their area of scope. 

As a sub I am basically independently contracted to the district and am able to pick and choose days when I want to work regardless of where I live at. The main point in to complete the job assignment I love picked up. 

I was approved for a conventional loan because I have a strong credit score. I have a long work history and am confused by the conversations I have had with the loan officer.

It seems to me that the loan officer was reluctant to work with me after she found out I am a woman of XXXX. I realize XXXX is known for the race XXXX and it seems to me Prosperity Bank is not in favor or prospering XXXX of XXXX. From working with the first realtor to the second their was a major lack of consistency. 

On the first loan I received congratulations on my property prior to completing my inspection! 

I have emails and documents to support these claims. 

You will see how the level of professionalism changes after XXXX when the approval letter and home loan was in progress. 

I am requesting a refund of my monies and a review of XXXX files to verify she is servicing all clients equally. And advise borrowers of XXXX to avoid Prosperity Bank. 

Thank you in advance for your assistance in resolving this lack of professional in the mortgage industry.
Consumer complaint received 2021-03-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (OH)

Phoenix financial claims that I have a bill of {$430.00} in there office from a medical bill in XXXX  I tried disputing this account on XX/XX/XXXX but it came back as verified from all XXXX bureaus with no verifiable documents supporting their claim. I have submitted a debt validation letter also and didnt receive a response. There saying I owe this debt but they dont supply the proper documents. This account has put a tremendous amount of hurt on my credit report hindering me from obtaining credit products from certain institutions.
Consumer complaint received 2021-03-27
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. (NV)

I filed Chapter XXXX Bankruptcy it was reported to all credit bureaus Transunion is reporting on my auto loan account from XXXX XXXX XXXX XXXX as, in payment plan status with Chapter XXXX bankruptcy in the comments section,
Consumer complaint received 2021-03-27
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (WV)

On XX/XX/XXXX I traded in my XXXX XXXX XXXX I had financed through Credit Acceptance. The dealership I was working with handled the payoff of the car. I got notice on my credit reports on XX/XX/XXXX that the balance of the loan was reported as 98 % paid off and account still open when it should have been 100 % and account closed with a {$0.00} balance. Credit Acceptance left a balance of {$210.00} still reporting as open on my credit report. On XX/XX/XXXX I received the contract pay off letter from Credit acceptance that stated I made my final payment and my contract was PAID IN FULL and the lien was released. Today is XX/XX/XXXX and this account is still reporting as opened with a balance of {$210.00}. I have made 2 attempts to resolve this with Credit Acceptance but they were of no help they just told me to dispute it but did not inform me on how to do that. Another representative from Credit Acceptance told me that I need to wait until XXXX. ( Not sure why when the car was paid off in full XX/XX/XXXX ). This reporting incorrectly has negatively impacted my credit and has caused me to be denied financing on something else due to it appearing I have 2 auto loans open. I need this information removed and this reported correctly as soon as possible. I am in the process of trying to buy a home and this is really holding me back. I can not get Credit Acceptance to help me so I was forced to submit this complaint. Thank you for your time.
Consumer complaint received 2021-03-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BOEING EMPLOYEES CREDIT UNION (WA)

I went to buy a new XXXX XXXX on XXXX XXXX from XXXX of XXXX. They got approval for my credit financing for the loan from BECU XXXX XXXX. I signed the purchase agreement and brought the car home. For days later I received a letter from the dealer to return the car immediately as the financing had been denied. I was not given a reason why the financing has been denied.
Consumer complaint received 2021-03-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery has been harassing me and showing inaccurate information on my Credit report. I've sent sevral letters to dispute this error situation but they continue to report the wrong information! XXXX amount they say I owe {$2700.00} on XX/XX/XXXX, XXXX another amount they say I owe {$2700.00} on XX/XX/2017 and on another amount of {$2300.00} on XX/XX/2017. Portfolio recovery has been reporting information and is trying to collect1
Consumer complaint received 2021-03-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

This Collection Agency continues to report an account on my credit report even though it have not establish that I owe this debt.It have continued to ignore my compliance letters, For the record I have never had an account or a contract with this Agency, Therefore Im requesting that they remove any negative accounts they have in their offices from all of my credit reports,
Consumer complaint received 2021-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am requesting a security freeze for my credit fie I recently lost my wallet and ID SS card. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I would also like a PIN number to protect all of the credit information. I need a new copy of my Trans Union and XXXX  credit report as well too!! I believe someone have already started applying for account in my name because I have received alerts for A XXXX XXXX, I don't have any credit cards. I have a fraudulent account from XXXX XXXX XXXX # XXXX, XXXX. XXXX, XXXX # XXXX
Consumer complaint received 2021-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The following fraudulent accounts are being reported to my credit reports : 1- XXXX XXXX  XXXX XXXX XXXX Acct # XXXX - amount {$300.00}. 
2- XXXX - Acct # XXXX -Amount {$540.00}. 
3- XXXX XXXXXXXX XXXX XXXXAcct # XXXX Amount {$80.00}. 

I am a victim of identity theft and I am not responsible for these above-stated accounts.
Consumer complaint received 2022-08-01
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. (CA)

Despite the 26 dispute letters I have been sending to the Credit Bureaus, they have failed to removet the disputed inquiries compeltely from my Credit Report and continued their reporting without proving that the inquiries beling under my name. The last leteters I have sent to them was XX/XX/XXXX with complete attachments of my personal information. Under the FCRA, I have been requqesting that the Credit Bureaus take a look to my Credit File and confirm the validity of the disputed Inquiries and send me proof of their verification and yet they have to do so! I am submitting this complaint to protect my rights which is clearly being violated by the Credit Bureaus. I am planning to pursue legal action and pursue the Credit Bureaus for their willful non-compliance with the4 FCRA regulation. The Credit Bureaus must remove the disputed inquiries as soon as possible : XXXX XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX