davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-30
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

Well, the process has been tremendously overwhelming to me as well as my daughter. This has been a 19-year process that has been devastated to me in resolving these issues with my identity as well as my daughter. It started when I worked for XXXX XXXX XXXX when my daughter 's SSN number became my SSN number after being laid off for a week in the year of XXXX. Her SSN number became mine in the credit bureaus, which has been an ongoing problem with credit, taxes, and other related matters to my credit and taxes through all banks and credit reporting agencies. I have filed so many complaints with CFPB as you all probably can see. In the year of XXXX, there was a pre-approved letter stating to apply for a loan through XXXX XXXX, after making a call to the company about that it would not take my SSN the representative input the SSN because it would not take my SSN. After making payments for several months I got suspicious about the activity of the account because of the way it was set up on their end, so I thought I would apply because of the nature of the suspicious activity of the account that when I found out in the year of XXXX that I did not have an account in XXXX of XXXX with XXXX XXXX.That when the fight began it was put on my credit report knowing it was not my SSN that XXXX  had used to create this account.I filed a complaint against XXXX  in the year XXXX through CFPB, as you can see there is no signature on documents from XXXX, which this picture was taken on XX/XX/XXXX, which the loan was generated in XX/XX/XXXX. Each credit report has denied that the information was not put on my credit report which it was put on my credit report knowingly that it was not my account as reported by XXXX XXXX.I will be downloading documents from each credit bureau that it was put on my credit report.I even filed a complaint with the Arkansas Consumer Protection Bureau as well but never got an answer from the Arkansas Financial Protection Bureau in the year of XXXX it was filed through the Attorney General Office in that year of XXXX. If you would look at the two that are filed with you all on XX/XX/XXXX, you could see what was filed in this matter, with no response from the Arkansas Consumer Protection Bureau. On this day of XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-12-06
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: World Acceptance Corporation (GA)

I submitted claim earlier and noticed on my report that the original creditor that reported such debt of highest balance XXXX is already on my credit report and been closed since XXXX. there are many violations being made here by world finance first of all i do not have a loan with this company world finance I have disputed this in the past back in XX/XX/XXXX when this affected my credit score with XXXX  taken my score down nearly 70 points and now 8 months later on my XXXX it has taken my score down 83 points they have Never ever contacted me once about this and futhermore this should not appear on my credit twice whith different open and close dates and appear on my credit as i opened a New Account Really????? how a new account that states 5 years do the math people and says closed XX/XX/XXXX when it clearly says closed XX/XX/XXXX one report says XXXX another XXXX and another one XXXX all different two with XXXX XXXX the original creditor and then now world  finance  who is putting stuff illegally on my report they have done this twice now have not contacted me i will attatch two seperate sheets one had a contact one has no contact info from the last time they destroyed my credit and it took awhile to bring it back from XXXX and now I have a phone number but they have done this again this needs to come off my account
Consumer complaint received 2020-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Happy Sunday and hopefully youre doing well during this pandemic Covid19. I continue to be surprised & shocked how your company continues to say that they verify this public record of bankruptcy on my credit report. I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security Number. Upon ordering a copy of my credit report, I see an entry listing Bankruptcy pubic record. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file because i also received the letter from the us bankruptcy court stating as such as you can see on the attachment. The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. A Bankruptcy is a public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom?
Consumer complaint received 2020-11-30
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To whom this may concern : On XX/XX/XXXX, TransUnion received my follow up letter via certified mail ( see attachment ). This follow-up letter was in regards, to my fourth letter dated XX/XX/XXXX, regarding your refusal to delete unverified information and unauthorize inquiries from my credit report. As of today XX/XX/XXXX, TransUnion has not responded to my request. 

Despite five written requests, the unverified information listed in my letters still remains on my credit report. By not replying in a timely manner to my fourth letter dated XX/XX/XXXX ( which you received on XX/XX/XXXX, via certified mail ), and my fifth letter dated XX/XX/XXXX ( which you received on XX/XX/XXXX, via certified mail ), TransUnion has not only violated federal law ( Fair Credit Reporting Act section 611 ) but has also failed to provide me with a copy of any viable evidence, bearing my signature, showing the accounts are being reported accurately. 

As TransUnion has now violated federal law, by not properly investigating and responding within the required timeframe, and I have evidence, via certified mail receipts, TransUnion must now promptly DELETE all unverified, unauthorize, inaccurate, or incomplete information from my credit report. 

Below are the unverified accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Below are the unauthorized inquiries : XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX
Consumer complaint received 2024-12-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC (VA)

Hello I paid a debt that I owed to XXXX, XXXX Waypoint Resource Group reported this on my credit without validating my debt. 

Waypoint Resource Group has not provided me with : Evidence that Waypoint Resource Group was legally authorized to collect this debt The original contract or original purchase agreement, proof of ownership and proof they are legally owed this debt, and finally proof that they sent legally required notices to me before they reported it to the collection agencies.

Waypoint Account # XXXX
Consumer complaint received 2022-12-12
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: U.S. BANCORP (PA)

I noticed an inquiry on my credit report that I did not recognize nor authorize. 
ELAN FINANCI Commercial Banks XXXXXX/XX/2022 XXXX
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

My information was breached with XXXX  and I have had someone using my info to open accounts in my name ever since. I had my credit pulled because for awhile I didn't know and didn't know what to do to report it and was lost. This has totally ruined my life. Once I pulled my report and seen all the stuff that was incorrect I filed a police report and an identity theft report. I also disputed them with all 3 major bureaus and sent them everything they asked of me. Some of it was removed from one XXXX  but XXXX  and Transunion have done nothing.
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I have sent 7 validation letters via mail and received no response or update in regards to this matter. 
XXXX XXXX XXXX Account : XXXX Account Number : XXXX Please supply information on how you have verified this item. 
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Sincerely, XXXX XXXX
Consumer complaint received 2020-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

The crux of my problem is that I mailed my social security number to an address purporting to be Citibank before I realized that I had no account with Citibank. I have tried and totally failed to obtain a response from Citibank as to whether they incorrectly asked for the number or I have sent it to a fraudster. Ive frozen my credit and am about to request a special PIN from the IRS so that no one can attempt to file a return and get a refund for my account. Since Citibank doesnt respond, I must believe a fraud has been committed in their name upon me. 

Im XXXX years old and was gullible because I have an account with XX/XX/XXXX which I have frequently confused with Citibank. I received a 9x12 envelope in early XXXX with an appropriate cover letter, W-9 with instructions, and even a W-8BEN for foreign owners. It briefly crossed my mind that they should have my SSN if I had an account, but I was in a hurry and sent the W-9 off in the enclosed envelope and tossed the rest. About a week later my son called me as asked if we had a co-tenancy account with Citibank because he received the same paperwork ( although I dont know if the referenced account numbers were the same ). Thats when I realized I made a mistake. 

I called what was supposed to be Citibank fraud department, spoke to 3 different individuals, none of whom were able to grasp the issue. I called the police department and was told that, since I hadnt lost any money, they couldnt help, and referred me to the post office. The post office told me that the address on the return envelope ( sent to my son ) was not a Citibank PO Box and eventually got back to me saying that mail from that box was being forwarded to a Citibank address in XXXX XXXX ; they wouldnt tell me that address so I was not able to confirm whether it was valid. 

On XX/XX/XXXX, I wrote to a Citibank address ; the letter is attached and the addresses are underlined. I received no response unless the enclosed cover letter from Citibank of XXXX XXXX was supposed to be a response. Note that they again ask for my social security number and the 9x12 envelope contained all the same forms as the original request. On XX/XX/XXXX, I followed up with a letter to 4 different Citibank addresses, enclosing my original letter and the new Citibank letter. No response has been received. 

I want to know if someone has fraudulently stolen my social security number or if Citibank has simply bumbled and my information is safe. Anything you can do to help would be greatly appreciated.
Consumer complaint received 2020-12-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION (NV)

I had an account with BBVA. I called over the phone to close the account down due to some financial difficulties. The representative stated she would close the account. Three months later I discovered BBVA did not close the account. Instead the charged me NSF fees and monthly service fees. BBVA has now sent my account to collections. I am disappointed by BBVA. I plan to let everyone know of its unethical business practices.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

I had my credit reports pulled after being contacted by a debt collector that I have never done business with. My identity was stolen because there is multiple accounts, names, addresses and other personal info that doesn't belong to on my reports. I did not authorize anyone to open these accounts nor did I receive services or goods for any of them. I filed an identity theft report and police report. I disputed it with all 3 major credit bureaus and they have done nothing. I should not be held liable for someone opening accounts in my name.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

As indicated by the attached copies of letters and mailing receipts, you have been delivered by registered mail both a dispute letter, dated XXXX, as well as a follow-up letter, dated XXXX. As of this moment, you have not done your duty mandated under the law. Your inaction in this matter is inexcusable, and your disregard for the law is contemptible. Rest assured, I will hold you to account. I also sent a third letter. XXXX. For the record, the following information is being erroneously included on my credit report, as I have advised you on three separate occasions, more than 75 days and again 40 days ago. I feel like I am being ignored! This really is upsetting. I have been having a hard time getting the things that I need simply because my credit is horrible.I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-12-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (TX)

I have provided this company with all documentation from the police department, etc, showing this depot is not owed and is u collectible but they continue to harass me. Ive received 2 letters in one day!!!
Consumer complaint received 2020-11-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (WA)

We lost our home to a fire onXX/XX/XXXX. Our insurance company cut us a check for over XXXX so we could rebuild our home. We only paid XXXX for our home in XXXX. The check was written in our names and Wells Fargos name. Our bank told us we had to sign the check and send it to Wells Fargo and that Wells Fargo would send us back the money so we could rebuild. What Wells Fargo actually did was send us a form asking us if we wanted to use the money to pay off our mortgage or rebuild. We chose to rebuild, filling out and returning this form to Wells Fargo stating that we want to rebuild. Wells Fargo disregarded what we said and used our insurance money to pay off the mortgage instead. We spent 2 years trying to fight them to get the money back. We could never get anyone to help us. They would transfer our calls all around the country! We even sent paperwork to them that they had to sign to receive and when we would call them, they would say they never received it. When I would say yes they did and this is when you received it and this is who signed for it, they would say they do not know anyone by that name. They wore us out and we felt we had no option but to give up. Wells Fargo stole my home. They ruined our lives. Not only did I lose my home and all my possessions to a fire, I ultimately lost my home because we did not have the money to rebuild. I know this is way after the fact but I just saw how Wells Fargo is being punished for the crimes they have committed against people. I, to this day, want my XXXX back that they stole from me. I would also like to see monetary damages for all the pain and suffering my family has experienced since XXXX. This incident devastated my family to this very day.
Consumer complaint received 2020-11-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Prosper Marketplace, Inc. (AZ)

Now that the CFPB will actually be doing the job it was charged to do when President XXXX takes over from the failed XXXX experiment, I am hopeful that this complaint will actually be addressed under the Fair Debt Collection Act and the Fair Credit Reporting Act. I filed an identity theft report with the Federal Trade Commission and refiled in XX/XX/XXXX. I properly notified the creditor and supplied them with letters provided to me by the FTC. I also asked for CFPB to assist but as has been the case throughout the XXXX era there was no action on my complaint. 
I am asking you now to require the Prosper to show signed papers indicating that I applied for and incurred the debt. Electronic documents are not allowed because I placed a notice on my credit report and it was in effect at the time that this loan was allegedly made. Further the bank account information they provided for XXXX XXXX was also involved in an earlier identity theft that was discovered in XX/XX/XXXX and reported to the FTC and CFPB at that time. 
This is not only a violation of the FCRA and the FDCA but also constitutes defamation.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Personal request to ensure that NO INACCURATE, INCOMPLETE, or BIAS DEROGATORYinformation is reporting on my Consumer Credit Report and that any such information due to result of identity theft, ESPECIALLY THOSE PREVIOUSLY BLOCKED and DELETED by other CRAs, are immediately deleted from my file. 



XXXX is fraudulently reporting student loan accounts to my credit profile. XXXX has been found guilty for deceptive and predatory practices, including reporting inaccurate account information to the three major CRAs, XXXX, XXXX, and Transunion. There are several XXXX  accounts that MUST BE REMOVED from my credit profile immediately! My request to block is not being made in error ; nor is my request being made on the basis of misrepresented material facts by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me, as the consumer. 

It is unlawful, and a DIRECT VIOLATION of several FEDERAL laws and statutes to report inaccurate, misleading, or factually invalidated information. I have been made aware of the following accounts that can not be verified and it must be immediately BLOCKED and DELETED from my credit profile. I have completed and filed an FTC IDENTITY REPORT and attached the document to the complaint filed and delivered via CFPB communication portal to the 3 CRAs, XXXX, TRANSUNION, and XXXX. ( See documentation attachments )
Consumer complaint received 2020-11-29
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

Today, XX/XX/2020 at XXXX PST, I received a call from an acquaintance ( not a spouse, never lived at his address, not a relative ) who told me a man came to his door and would not stop knocking for almost 30 minutes. When my acquaintance opened the door the man asked if he knew me - he said yes. Then the man asked if I kept an overnight bag there, and asked my acquaintance his name. When my acquaintance told him, the man stated his name back to him and substituted my last name as follows " oh so your name is really BLANK BLANK, '' inserting my last name. When my acquaintance corrected him and said NO, the man handed my acquaintance a four page legal document that contained some type of debt collection details and said give this to her. My acquaintance was appalled at not only this VERY obvious violation of my privacy and my rights, but at the disgusting tactics used by this man at trying to collect a supposed debt. I have sent the company a cease and desist in writing and filed complaints with the XXXX  for this situation. This company is violating the FDCPA by harassment and disclosure in addition to violating a previous request of no contact.