davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-27
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. (IL)

Hello, I am reaching out to you because I have sent in disputes to each of the credit bureaus concerning them incorrectly reporting information about me. There are a multitude of accounts that are incorrect or dont even belong to me. It has been 60 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but 60 days and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along.
Consumer complaint received 2020-08-27
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. (TN)

Hey my name is XXXX XXXX XXXX : I am writing because i have disputed inaccurate information on my credit report with the credit bureaus and they STILL will not remove it from credit report. I understand that they have to remove it if it is inccorrect. Will you please view my file and the information so that it can be corrected. 

XXXX XXXX please remove this because there are two seperate credit limits ( {$1900.00} {$0.00} ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) : please remove this because the balance is INCORRECT XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX THIS IS NOT MY ACCOUNT XXXX   XXXX XXXX please remove this because the date of last activity is inaccorect
Consumer complaint received 2020-08-27
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. (IL)

Hello, I am reaching out to you because I have sent in disputes to each of the credit bureaus concerning them incorrectly reporting information about me. There are a multitude of accounts that are incorrect or dont even belong to me. It has been 60 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but 60 days and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along.
Consumer complaint received 2020-08-27
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. (TX)

I had an credit card account with XXXX XXXX XXXX. Since I traveled frequently, .. it could be several months between the time I could reconcile the statements. I began getting charges in late XXXX and early XXXX for a materials supplier in New York ( and various other vendors ). These turned out to be changes made by XXXX ... and XXXX XXXX XXXX ( estranged adoptive family members ). I also found out that XXXX  XXXX XXXX was allowing XXXX to have access to my account to make payments and balance inquires. I requested that XXXX stop all such activity. I was informed that XXXX ( and XXXX XXXX ) had enough information about me to bypass any security measures they had. I asked to have the account changed. XXXX did so ... and the charges continued ( under the old number ). XXXX told me there was no way to stop those charges, I have a XXXX Texas Police report on this and several other acts of theft and vandalism by XXXX, XXXX and XXXX XXXX. One of the incident numbers is XXXX. There have been over {$16000.00} in charges by XXXX on this account. There have also been over {$200000.00} in damages ( vandalism etc ) by XXXX and XXXX XXXX and her family. XXXX  XXXX XXXX is already in possession of all documents related to this. I have provided them multiple times over the years.
Consumer complaint received 2021-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I had this card since XXXX with all payments on time & in full. XX/XX/XXXX I received a letter via the postal service-Dated XX/XX/XXXX- ( Bank of America CC had me go paperless in XXXX. After that all communication, bills and payments were done online, ph or email ). It stated that I haven't used my CC in 2 years & to keep it open I needed to used it by XX/XX/XXXX-Or they would close it on XX/XX/XXXX. I tried to remember. But, was dealing with the death of my Mother ( XX/XX/XXXX ) & dealing with my grief & the Estate duties. I saw the card in my wallet & used it on XX/XX/XXXX ( I couldn't remember the dates the letter mentioned & assumed it was by the end of XXXX ) The purchase went through, so I assumed I was correct, XX/XX/XXXX I got the e-bill & paid online on XX/XX/XXXX. XX/XX/XXXX I received an email from XXXX stating there was a change in my credit. I received nothing from Bank of America. XX/XX/XXXX-I received a paper bill in the mail with a due date of XX/XX/XXXX-for the already paid bill of {$13.00}. I called Bank of America on XX/XX/XXXX & they confirmed my account was closed for inactivity & couldn't restore that card. Now after a lifetime of stellar credit. My credit score has dropped to " Good '' & I am treated like I have bad credit. They need to reinstate a CC from my original date to restore my credit. As of XX/XX/XXXX-I just learned I have NO FICO score. XX/XX/XXXX-Filed with the XXXX. XX/XX/XXXX-Received email from a BoA resolution agent-I then called XX/XX/XXXX & XX/XX/XXXX-Got vm, left msg. XX/XX/XXXX-XXXX  called me back , we spoke for 7 min.XX/XX/XXXX-I emailed & asked for an update ( He to this date XX/XX/XXXX hasn't replied to the email ) .XX/XX/XXXX I cc, lvm,XX/XX/XXXX I called 2X. he returned my call minutes before he said he was leaving-I cc, lvm. XX/XX/XXXX-XXXX  called at XXXX & said he was just waiting on 1 more thing & should soon have an answer. XX/XX/XXXX & XX/XX/XXXX-cc, lvm. I have also sent XXXX  multiple emails asking for an update-with no reply. XX/XX/XXXX-I filed a complaint with the Attorney Generals office-who has now sent 2 letters to BoA & suggested I reach out to you. This was my only credit card ( obviously I am not the type to like using these ). And now after 29 years of having, using & promptly paying with this credit card. Their uncalled for actions have totally ruined my stellar credit. This wasn't cancelled for irresponsible use-But rather, they are choosing to punish me for not charging enough.
Consumer complaint received 2022-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LoanCare, LLC (FL)

This is XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I recently verified my latest credit report and I noticed that this account is reporting fraudulently on my credit report. I have been a victim of Identity Theft, my information was stolen and used to open this account without my permission or knowledge. The account LOANCARE LLC XXXX with a Balance : {$0.00} was incurred due to fraudulent charges, which according to XXXX XXXX Zero Liability policy I am not liable. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS COMPANY. This account is trying to collect debt, which wad also listed on my credit report. I have requested several times for verification. This company will not furnish a signed authorization [ or proof of the procedures ], they just furnish a statement, which proves nothing. I asked to validate the numerous listings on my credit file and again all I receive is statements.
Consumer complaint received 2020-08-27
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)

XXXX XXXX XXXX is reporting my credit card account as closed. The account is still open and has never been closed. I have filed disputes with all 3 bureaus and they are still reporting my credit card as closed. My account is current and open.
Consumer complaint received 2023-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In ACCORDANCE with the Fair Credit Reporting Act : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my instructions.

The account below is in violation! 

XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/2021 This one is unauthorized user! 


XXXX XXXX XXXX XXXX  Date opened XX/XX/2021 XXXX
Consumer complaint received 2020-09-03
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. (CA)

I'm having issues with the credit bureaus updating my current address and removing ones that are not mine especially because i've been a victim of identity theft and want to make sure my mail does not end up in the wrong hands again. It's been a total nightmare.
Consumer complaint received 2021-06-16
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. (NY)

On XX/XX/2021, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-08-08
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FRESNO CREDIT BUREAU (CA)

creditors bureau usa acct. no. XXXX is wrongfully appearing as a collection account on XXXX and XXXX credit bureaus.They identify as collectors for a {$130.00} debt from XXXX XXXX. XXXX. 
AT THE TIME OF SERVICE FOR MY HAND I SIGNED WITH THE HOSPITAL INSURANCE EMPLOYEE ALL OF THE NECESSARY PAPERWORK FOR EMERGENCY MEDI-CAL FOR THIS COVERED CHARGE.THERE CAN BE NO CO-PAY AS THE GOVERNMENT INSURER PAYS IN FULL AND ASSIGNS THE BENEFIT.IF THE HOSPITAL WANTS TO CONTINUE TO RECEIVE GOVERNMENT INSURANCES THEY SHOULD IMMEDIATELY DELETE THIS DEBT.
Consumer complaint received 2020-08-27
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: DRB-40, LLC (SC)

My husband was contacted by phone this morning by a representative of Diversified Recovery Bureau who purchased my debt from XXXX XXXX. My husband and my finances are separate I never list him as a contact on any financial documents. The lady that called his phone asked for me he advised her that he was at work and I was not with him that she should contact my phone. She proceeded to tell my husband that if he provided my date of birth that she could tell him what is going on. He declined and advised her that it was none of his concern and that he should contact me. The lady proceeded to ask my husband " dont you want to know whats going on? Thats your wife? '' He again advised that it was none of his concern and that she should contact me and hung up. I am well aware what she did is unprofessional and she was wanting to provide my private information ( my husband is nowhere listed on the loan, neither as a co-signer or someone obligated to pay my debt ). I contacted the company and requested to speak with a Manager. I do not feel like this helped. If this is the way they are doing business they are violating my privacy rights, and who knows who else they have done that to and they are not aware it is lawful.
Consumer complaint received 2022-04-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: DISCOVER BANK (TX)

Hi on XX/XX/2022 Discover XXXX had a glitch in their system which caused double ACH withdrawals out of some people 's accounts. This caused a scary sounding overdraft emails to go to these impacted customers, followed shortly by a scarier sounding debt letter to arrive in the mail ( i.e. your account is now in debt and we are trying to collect these funds ). 

Neither email or letter were true since it was an error on the Discover XXXX side but nonetheless this caused big alarm among impacted customers. CFPB should examine WHY this happened with Discover Bank and what procedures they are putting in place to ensure this does not happen again. I've never had this happen at a bank EVER so how bad is the tech stack back end at Discover XXXX  for 1 ) for this to happen in the first place and not get caught 2 ) for both the scary sounding email AND scarier sounding letter to go out that made it seem the end consumer was in debt to Discover XXXX  which was not true and based solely on an error they made which caused alarm amongst their customers. 
3 ) No apology has been provided by Discover XXXX  although their customer service reps are well aware of it when you call in.
Consumer complaint received 2022-04-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (AZ)

I was a victim of Identity theft, and Experian takes the word of XXXX even though I am uploading proof, yet Experian will not provide me with proof of investigation. I have a verified Experian account. Yet they can not give me proof. I want the XXXX charges off my account immediately. I also want proof of the investigation. Experian does not do an actual investigation, nor does the company care about the people they affect. The only entity that they defend is their clients like XXXX. This issue is a conflict of interest as XXXX is a client of Experian. If Experian investigates the said crime, they will see that I have a perfect credit history ( higher than XXXX. Why would I have to get any service from XXXX with this credit score? I'm also a Veteran with a XXXX membership that gives me access to low-interest loans. I am demanding the info provided to Experian by XXXX be given to me as I have already proven that I am the real person in question, and I have uploaded the FTC document. I also have stated the NY address is NOT MY ADDRESS!! This is in conjunction with a complaint filed against XXXX XXXX. I have made numerous phone calls that go in circles. The amount is {$2000.00} and appeared around XXXX.
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 — Account information incorrect
Company: EQUIFAX, INC. (SC)

Equifax, XXXX, and XXXX are all reporting inaccurate information on my credit profile, which is causing major damage to my credit history. The credit bureaus have stated they did a thorough investigation, but I find that hard to believe because I am still finding inaccuracies being reported. They are reporting different information, and this is illegal. If an accurate investigation was done, why are the account status, high credit limits, and dates of last activity different from the other? Shouldn't they all be reporting the exact same information if it was deemed accurate and properly investigated? I have attached screenshots along with the inaccuracies I found are highlighted. I am requesting the following account be removed immediately due to inaccurate reporting, proving the credit bureaus did not properly verify the inaccuracies that I have recently disputed.
Consumer complaint received 2020-09-03
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. (TX)

I have contacted XXXX XXXX and Experian numerous times via phone and written letters in regards to identity theft. This account has approximately XXXX charges that were unauthorized and used without my consent. I have sent a police report in regards to this matter as well as a identity theft report. This account is showing inaccurate information reporting on my credit deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws in the Metro 2 data field formatted reporting standards, therefore lawfully you must ERADICATE any and all adverse remarks. I have a notarized statement in regards to the identity theft that was sent XX/XX/2020 and additional information that included the police report and identity theft affidavit was sent certified XX/XX/2020. Experian has not presented method of verification and I s reporting inaccurate information on my credit report.
Consumer complaint received 2020-09-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

Portfolio recovery acquired a dead XX/XX/XXXX from XXXX XXXX they have the debt listed twice on my credit report the same debt listed twice which is illegal they also have me having done business with XXXX XXXX and I never have I submitted a complaint XX/XX/XXXX through your system and they sent me a frivolous response letter FCRA act section 611, basically gives me the right to request an explanation of the verification method used by the CRA. I am concerned about the validity and accuracy of your recent investigation of the accounts that are reporting on my credit report last month I requested investigation because I felt the items were not legally being reported correctly a couple days ago I received a letter stating that your investigation was complete please explain to me how you conduct your investigation for information that does not belong to me they use my name to gather credit cards but it is not my account XXXX XXXX XXXX Portfolio Recovery XXXX XXXX They have responded to my dispute with frivolous letters saying that they have completed the investigation with no response and no removals from my credit report they also have the same debt listed twice for portfolio recovery and XXXX XXXX XXXX XXXX is also listed as XXXX XXXX XXXX you can not list the same debt twice
Consumer complaint received 2020-08-27
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. (NY)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute was sent on XX/XX/2020 & the 30 Day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2020-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

Today I tried to get a free credit report from Equifax. I completed everything on the form and then it said that it could not supply and that I needed to call an eight hundred *** number. My problem ( always ) is that my hearing is profound and I can not use a phone. So I can not get my free report? That is discrimination to XXXX senior citizens. Something is wrong with Equifax
Consumer complaint received 2021-10-14
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: Exeter Finance, LLC. (CA)

Per my XXXX credit report it states that a company called Exter finance is an open account. I have never heard of such company, then I called that company and asked a few question. It turns out they are a automobile finance company. Only car finance I have is from XXXX. They search on my social security and as I thought there is no account under my name. I have no Idea how they have got into my account. 
Please fix
Consumer complaint received 2021-10-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (PA)

As a consumer natural person I am asserting my consumer rights pursuant 15 U.S. Code 1681b ( a ) ( 2 ) per my written instruction I say what can be on my consumer report. I did not consent nor contract with CAVALRY PORTFOLIO SERV on Wednesday XXXX XXXX. I request that this account XXXX is deleted. I ask that this alleged debt is verified and investigated. Pursuant 15 U.S. Code 1681a ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The above account is a direct impact to my ability to exercise my right to credit because my reputation with this consumer reporting agency is inaccurate and I know that the banking system is dependent on this reporting. I ask for a copy of full credit file not report the full file.