davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-12
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. (TX)

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX  XXXX ) XXXX Balance : {$1900.00} XXXX XXXX ( Original Creditor : XXXX  XXXX ) XXXX Balance : {$1300.00}
Consumer complaint received 2020-10-04
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: Consumer Portfolio Services, Inc. (TX)

Dear, cfpb I have XXXX phone app, and XXXX XXXX Credit activity monitors on my phone both pretty accurate in updates Vintage XXXX they notify of any changes in credit scoring on both XXXX, and XXXX. The problem has been a car loan I am joint account holder on. CONSUMER PORTFOLIO SERVICES INC. XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX XXXX XXXX. 
ACCT XXXX. WHILE THE ACCOUNT WAS SET UP ON A PAYMENT PLAN and agreed to CPS the CREDIT BUREAUS WERE STILL reported to while payment were taken by a creditor who claims to act as a Debt Collector who has been in trouble with the Federal Trade Commission XXXX Refer to Publication by F.T.C XX/XX/2014 XXXX this company is still practicing in the same unfair credit reporting ways to the CRA 's. I'm not sure why the unfairness in scoring between me and my wife with XXXX  and XXXX, XXXX. 
Numerous Harassing Calls at work after telling them I could not have debt collection calls in front of my co-workers and also explained I was in an explosive Chemical plant on a cell phone. They continued to call me. 
It's a Joint account but not on the Credit Report Fairness with the CRA 's I'm not the driver of the vehicle my wife is. 
My score drops XXXX this month and XXXX points last month because of late payment made by my wife whereas her score drop XXXX to XXXX points on XXXX  because of C.P.S.. When i spoke with Consumer Portifolio while at home and asked why they told me it was because of other things I may have had on my report and I could get anywhere with them or XXXX. Why I'm I not being treated with fairness in this.
Consumer complaint received 2022-12-08
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: Experian Information Solutions Inc. (FL)

I have disputed these items multiple times and cant seem to get the furnished results as deleted. 
I have no knowledge of these inquiries as a prior victim of identity theft these inquiries should be DELETED.
Consumer complaint received 2022-05-20
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: Universal Recovery Corporation (FL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

Upon review of my credit reports with XXXX XXXX, and XXXX, I noticed an account that did not belong to me. I immediately disputed this account via USPS certified mail ( dated XX/XX/2020 ) with the three credit bureaus. XXXX deleted said account. XXXX  and XXXX responded that the account was verified, but did not provide proof of how it was verified, or what was provided to them to verify the account. 

Portfolio Recovery Associates, LLC then contacted me via mail on XX/XX/2020, claiming that they had completed their investigation and determined the debt to be valid, attaching only a billing statement as proof. I responded to Portfolio Recovery Associates, LLC by USPS certified mail on XX/XX/2020, asking them to validate this debt with viable evidence bearing my signature, and they have failed to do so. 

Their subsequent responses have included, again, billing/account statements, and most recently, a copy of a document with a signature on it. However, I have never seen this document before, and can not determine 100 % whether or not it is authentic or if it contains my signature. It seems that Portfolio Recovery Associates, LLC is trying to take advantage of consumers ignorance by trying to collect and report debts to credit bureaus that they have no legal right to collect, let alone report. 

I have contacted my attorney, who has advised me to move forward with a lawsuit. This is my final attempt to resolve this matter with Portfolio Recovery Associates, LLC. If they do not request the removal of this account from my credit reports, and if they continue to pursue collection activity, we will have no other choice than to move forward with litigation.
Consumer complaint received 2022-05-03
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Portnoff Law Associates, Ltd. (PA)

This company has tripled the amount of the original debt and attached legal fees that they have established. They have placed a lien on my property and sent the sheriff to my house. 

I have called this company and asked for a resolution and they have not offered any suggestions except demanding payment. I am willing to pay the original fees. Again there fees is triple the amount of the original debt.
Consumer complaint received 2021-02-24
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. (NJ)

Experian is purposely keeping negative accounts on my credit report, that are not valid. Also they say they update the accounts, then nothing changed. Also when you do dispute with them, they purposely write negative things on the report, to make your credit score worse. Also I tried to redispute them, and experian wont let me, basically forcing the information to stay on my credit report. Also they keep having misinformation about my names. A lot of them are spelled incorrectly.
Consumer complaint received 2023-06-12
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: EQUIFAX, INC. (TX)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (VA)

RE : Closed Complaint # XXXX XXXX XXXXXXXX XXXX presented its attorney with many false information and failed t o correct several delinquencies it had created in error. As a result it changed the error delinquency previously reported as XXXX late payment XX/XX/XXXX to XXXX late payment for XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX it made several similar errors which it corrected by XX/XX/XXXX. Among its latest errors are a XXXX late payment for XX/XX/XXXX and a new missed payment reported to the credit bureaus around XX/XX/XXXX during a period when the account no longer exists. The company also denied any knowledge of the payment that I had scheduled for XXXX XX/XX/XXXX but was later advised by its Short Sale representative to cancel owing to the fact that I was not required submit a payment while awaiting closing of the sale initiated between the bank and the purchaser in XX/XX/XXXX ( see attached supporting documents ). 
Please note that the canceled checks paid to XXXX XXXXXXXX XXXX for the XXXX and XX/XX/XXXX were recently resubmitted to XXXX XXXX  XXXX via Experian in XX/XX/XXXX.
Consumer complaint received 2021-02-24
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: EQUIFAX, INC. (VA)

RE : Closed Complaint # XXXXXXXX XXXX XXXX XXXX presented its attorney with many false information and failed t o correct several delinquencies it had created in error. As a result it changed the error delinquency previously reported as XXXX late payment XX/XX/XXXX to XXXX late payment for XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX it made several similar errors which it corrected by XX/XX/XXXX. Among its latest errors are a XXXX late payment for XX/XX/XXXX and a new missed payment reported to the credit bureaus around XX/XX/XXXX during a period when the account no longer exists. The company also denied any knowledge of the payment that I had scheduled for XXXX XX/XX/XXXX but was later advised by its Short Sale representative to cancel owing to the fact that I was not required submit a payment while awaiting closing of the sale initiated between the bank and the purchaser in XX/XX/XXXX ( see attached supporting documents ). 
Please note that the canceled checks paid to XXXX XXXX XXXXXXXX for the XXXX and XX/XX/XXXX were recently resubmitted to XXXX XXXX XXXX via XXXX in XX/XX/XXXX.
Consumer complaint received 2021-09-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Collection Services, LLC (NY)

I pulled all three of my consumer reports recently and noticed that COLLECTION AGENCY NAME is reporting that I allegedly owe them DEBT AMOUNT. On DATE SENT FIRST LETTER I sent a letter to them requesting that they validate this alleged debt. It has been over 30 days I have not gotten any response from them whatsoever. I sent this letter via certified mail on tracking number TRACKING NUMBER which I verified that they received the request of information letter. Under the 15 USC 1692g I have allowed more time than prescribed for them to respond but they have not, so I am requesting that they cease collection of this alleged debt.
Consumer complaint received 2021-02-24
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. (VA)

RE : Closed Complaint # XXXX XXXX XXXX XXXX presented its attorney with many false information and failed t o correct several delinquencies it had created in error. As a result it changed the error delinquency previously reported as XXXX late payment XX/XX/XXXX to XXXX late payment for XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX it made several similar errors which it corrected by XX/XX/XXXX. Among its latest errors are a XXXX late payment for XX/XX/XXXX and a new missed payment reported to the credit bureaus around XX/XX/XXXX during a period when the account no longer exists. The company also denied any knowledge of the payment that I had scheduled for XXXX XX/XX/XXXX but was later advised by its Short Sale representative to cancel owing to the fact that I was not required submit a payment while awaiting closing of the sale initiated between the bank and the purchaser in XX/XX/XXXX ( see attached supporting documents ). 
Please note that the canceled checks paid to XXXX XXXX XXXX  for the XXXX and XX/XX/XXXX were recently resubmitted to XXXX XXXX XXXX via XXXX in XX/XX/XXXX.
Consumer complaint received 2020-08-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I disputed some item on my credit report, via letter, that, I believe is not mine, and asked for validation, which is due within 30 days. I received a response saying the accounts were verified, but nothing showing how the accounts were verified and validated. According to the laws, validation is required within 30 days or the accounts has to be removed. Accounts reference is : XXXXXXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX? 
XXXX XXXXXXXX XXXX Account # XXXX I opened a case in XXXX ( case # : XXXX ) and still yet to hear anything back regarding validation. I have waited patiently and would like answers. It has definitely been over 30 days and according to the law, the accounts has to be removed.
Consumer complaint received 2021-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NY)

On XX/XX/21 Citibank closed out my account I was a customer for 3 or 3 1/2 years now until this day XXXX they still have not told me why or what happened ( I have a idea but they did not do a investigation or anything they just close my account ) basically they sent me a letter saying they would mail me a check for the funds remaining in my account which was between {$2800.00} - {$3000.00} in that range/area I ent to the branch in XXXX They have been acting funny about my funds Ive called and visited the branch XXXX XXXX XX/XX/XXXX and XX/XX/XXXX they said they can not issue me any funds I have to wait for a check In the mail. I received a letter XXXX saying if I needs my funds sooner I can go into the branch.I called the fraud or what ever department listed on said letter they said I was always able to go into the branch and get my funds. On XXXX I got back into the XXXX  branch again and when I did they told me on XXXX they already mailed out a check. I spoke to Citibank representatives I called 5 times XXXX XXXX XXXX XXXX and today XXXX and I spoke to supervisors 3 time every time I speak to them I ask when am I getting my check and exactly how much will it be? They keep saying its a confidential matter and they cant discuss it any further with me and hung up and this has been 5 times and I felt that its XXXX for a supervisor or representative to hang up on a customer. Im XXXX  at this point. And that was my loan and credit card company money I need my money ASAP my credit score has dropped and I now have have missed payments smh
Consumer complaint received 2021-04-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Neon Newco Corporation (CO)

Hello. Netspend simply closed my account for no reason. I submitted the identity documents that they provided and they sent me a message telling me We have received your documents. Unfortunately, we are unable to verify your identity with the documents you provided. 

All U.S. financial institutions are required by federal law to verify specific customer identity information. 

This account has been closed. If there are funds remaining on this account, a check will be issued to the cardholder at the address on the account or funds may be returned to sender, depending on the origin of the funds. 

For additional information please contact Customer Service by calling the number located on the back of your card. 

Thank you. 



XXXX Customer Service
Consumer complaint received 2023-03-24
Product: Mortgage — Conventional home mortgage
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: WELLS FARGO & COMPANY (GA)

WELLS FARGO foreclosed on my mother in XXXX, the problem with this is she died in XXXX. Their partner in crime is law firm XXXX XXXX XXXX XXXX XXXX XXXX who are notorious for wrongful foreclosure and mortgage identity theft which was proven in FBI Case Number XXXX. 
Also see No. 19 C 5113 10-30-2019 LOIS I. BERG and ROBERT D. BERG, Plaintiffs, v. MCCALLA RAYMER LEIBERT PIERCE , LLC Defendant. 

In XXXX, the CFPB received 7 complaints against XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ranked XXXX XXXX among all financial companies for the most complaints. 

Consumer Complaints There are over XXXX complaints on file for XXXX XXXX XXXX XXXX XXXX XXXX. Dated between XXXX and XXXX. 

Question : When are you going to stop WELLS FARGO and their gang of thieves from stealing from we the people? Are you in the conspiracy with WELLS FARGO and their gang? Is that why you are refusing to help me? You are supposed to protect me! When are you going to protect me!!!!!! 

Don't ask the crooks, they are just going to keep giving me loan documents for my dead mother who died in XXXX. She is dead! My uncle is the executor to her estate so how can liars XXXX XXXX XXXX and XXXX have power of attorney? I don't think they asked my uncle for permission, after all he has the Letters of Testamentary. Do you see the problem? Do you see they have damaged me? Their actions killed my father and now my father is dead too!!!! They killed my father! They all need to go to jail for what they have done to my family. HELP ME!!!!
Consumer complaint received 2021-04-06
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)

FCRA violations : XXXX XXXX  XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX Never lived there Never lived there Belongs to another person with same or similar name Identity theft Residence type is inaccurate Use this reason if you have never lived at this address or received mail there. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2021-04-05
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: EQUIFAX, INC. (MN)

The open date on each account has different months on it, which is no possible way the accounts were opened on 3 different days. Collection/chargeoff account showing balance and that's violation under FCRA.
Consumer complaint received 2023-03-24
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-12
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. (CT)

I monitor my credit reporting on a regular basis, and received alerts of hard credit report inquiry pulls for different institutions at the big three credit reporting agencies ( CRA ) ( XXXX, XXXX, and, TransUnion ). These applications were for new credit cards. I put a freeze on all three of my files, as well as a fraud alert. I contacted the financial institutions to let them know and file a fraud dispute for the applications and hard credit pulls, and I contacted each CRA to dispute them. TransUnion was the only entity that refused to open a fraud investigation related to the fraudulent application received by XXXX XXXX XXXX. There were no issues with XXXX XXXX XXXX starting a fraud investigation on their end. TransUnion stated that I had to submit my fraud dispute in writing AND I had to get a letter from XXXX XXXX XXXX on their letterhead and submit it in writing as well agreeing with the fraudulent application. OR, I had to file a police report and submit that with an affidavit with my written fraud dispute to TransUnion. I understand following up in writing, but I dont understand how it is correct or reasonable for myself to acquire third party paper letters, file police reports, etc., to submit at the same time for TransUnion to even start a fraud investigation into the hard credit pull. When I asked the TU agent to escalate the issue and if I could speak with a supervisor or manager about my concerns, the agent said none were available and thats the way it is. The date of the fraudulent hard credit pull at TU from XXXX XXXX XXXX was, Sunday, XX/XX/2021. TransUnion is the only institution that I had any issues with or that refused to initiate the fraud dispute or require third party paperwork. Im the fraud victim. I saved all the screenshots of my online chat with TransUnion.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CT)

I have identified accounts on my credit report that I did not authorize or open. These accounts are fraudulent and do not belong to me. I have contacted the credit bureaus and creditors to resolve this issue, but these accounts remain on my report. I am seeking assistance to have these unauthorized accounts permanently removed.