davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

Agencies do not always update information on credit reports in a timely manner, which can lead to inaccuracies and inconsistencies on my report. I do not always have access to all of the information that is being reported on my credit report, making it difficult to identify and dispute errors or inaccuracies.
Consumer complaint received 2018-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (NV)

I have filed a previous report with CFPB due to synchrony banks contact and refusal to accept police reports and id theft reports from local police. This account is not the only one that was obtain, all others have been closed and removed from my credit. 
This bank for Walmart credit card has refused to remove their reporting from my credit and is now contacting friends, family and employment stating I dont pay my bills, which I have no bills and dont use credit cards. This account isnt mine and I am not paying someone elses fraud
Consumer complaint received 2023-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Bank had closed my checking account and also closed my old credit card issued by them. It was caused by WF check was stolen. They opened new checking account and new credit card per their advice. I always had both as automatic payment from my checking account. Bank rep. XXXX at the branch arranged all she told me she arranged automatically payment to the credit card just like before years. She suggested to take care one XXXX XXXX XXXX by myself. I agree it. Now after a mo. I got a new bill on XX/XX/23 and they charged me $ XXXX late fee and interest {$5.00} I called immediately and they said they will not be able to correct. I feel very unfair it was their ordered and they handled all. I kept good enough balance in my new account $ XXXX They don't agree to refund of these fees.
Consumer complaint received 2023-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. I DEMAND THAT THESE INQUIRES ARE PERMENANTELY DELETED FROM MY CREDIT PROFILE IMMEDIATELY.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Agencies do not always update information on credit reports in a timely manner, which can lead to inaccuracies and inconsistencies on my report. I do not always have access to all of the information that is being reported on my credit report, making it difficult to identify and dispute errors or inaccuracies.
Consumer complaint received 2023-04-11
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IA)

Hello, I am writing to file a formal dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ). 

As per the details of my complaint, I have experienced severe financial hardships due to the unverified and inaccurate information that creditors have reported to consumer reporting agencies. The specific sections of the laws that may have been violated are as follows : Fair Credit Reporting Act ( FCRA ) Section 607 - Requirements for Consumer Reporting Agencies to Correct Inaccurate Information Section 610 - Conditions and Form of Disclosure to Consumers Section 611 - Procedure in Case of Disputed Accuracy Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 626 - Disclosures to FBI for Counterintelligence Purposes Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 - Disclosures to Consumers Section 613 - Timing of Dispute Investigations Section 614 - Consumer 's Right to Dispute Information Section 615 - Requirements for Reinvestigations Equal Credit Opportunity Act ( ECOA ) Section 703 - Prohibition Against Discrimination Section 704 - Regulations to Carry Out the Purposes of this Subchapter Furthermore, the creditors have listed several inaccurate and unverified addresses on my credit report, which is a direct violation of FCRA Section 607. My correct name is XXXX XXXX but bureaus are reporting it as a XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Also my current address is XXXX XXXX XXXX XXXX, Iowa XXXX, But bureau reported that I have many addresses like XXXX XXXX XXXX XXXX, IA XXXX, XXXX XXXX XXXX XXXX, NE XXXX, XXXX XXXX XXXX XXXX, IA XXXX, XXXX XXXX XXXX XXXX XXXX NE XXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX 

The creditors ' actions have severely impacted my life. I have been denied credit and loans due to the inaccurate information on my credit report, which has prevented me from purchasing a home or a vehicle. Additionally, it has caused me significant emotional distress, and I have been unable to sleep or concentrate on my work. 

Therefore, I am requesting that you enforce the legal provisions outlined above and ensure that the creditors remove all unverified accounts from my credit report. I would appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-08-17
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc (OK)

On XXXX XXXX, 2016, I placed an order from XXXX website using a XXXX. I filled out the forms that popped up. Unknowingly, the website had me sign up for PayPal Credit. On XXXX XXXX, 2016, I received a statement for an unpaid balance for my purchase. Upon calling PayPal Credit, I find out that I have a {$2300.00} line of credit. I have paid for the transaction and closed the account. I feel that PayPal Credit did not fully vet the vendor to see how their website is signing customers up for PayPal credit. PayPal credit says they do not report to credit bureaus ; however, I am concerned that my credit score will be affected by this. PayPal credit also informed me that they are not a credit card, but my account number is XXXX-digits long. I am beyond frustrated and they need to be held to the same standards of every other company in the financial industry. I also did not receive a privacy notice until my statement arrived. Had I not opened my mail, I would have ruined my credit because I believed it to be junk mail.
Consumer complaint received 2023-04-11
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. (FL)

XXXX XXXX XXXX XXXX XXXX has been reporting 3 of my investment property mortgages delinquent for about 7 months now since XX/XX/XXXX, incorrectly, because they're both in forbearance since XXXX until XX/XX/XXXX. Since XX/XX/XXXX, they have stated that it's been fixed but the bureaus keep getting refreshed with the same incorrect delinquent information. The department responsible for this is only available via email and they never reply even though I have emailed them about a dozen times since XXXX, about once per week. I would like to know if and how this company can be held accountable. I have been denied crucial business and personal credit lines due to the impact this has had on my credit. From XXXX to XXXX currently. I have already filed a complaint with CFPB about this on XX/XX/XXXX, to which XXXX XXXX XXXX XXXX  sent a letter stating that the incorrect reporting would be fixed but as of XX/XX/XXXX, the late payments are once again reappearing on my credit reports.
Consumer complaint received 2017-06-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (IA)

I am attempting to clean up my past due accounts. I have two left! This week I pulled an updated copy of my credit bureau report so that I would be able to see the amount ( s ) owed and the status of each account. I noticed that one of the accounts had been (   XXXX   XXXX   ) sent to a debt buyer, LVNV Funding. On   XXXX   XXXX   XXXX    I cal led LVNV Funding and spoke to a gentlemen who was very unfriendly when I told him I wanted to take care of my account but after looking at the balance it did not seem accurate. He informed me that my account had been placed with the law firm of   XXXX   XXXX   XXXX   and I would have to contact to law firm to work it out. On   XXXX   XXXX   XXXX   I called   XXXX   XXXX   XXXX   and spoke to a gentleman named   XXXX   XXXX  . I informed him that my account was placed with the firm. He said that the account was placed there in   XXXX   XXXX   and asked why I had n't called before. I told him that I was unaware my account was placed at this firm and I have not received any call or mail notification. He told me it was not his fault that probably threw it away without reading it. I can assure you ( as I assured him ) I have not received any formal notification of the debt being placed at a law firm. I advised M  XXXX   XXXX    that I did not believe the balance was accurate and offered to pay {$300.00} ( balance {$720.00} ). He said they do not settle balances that size and said would take me to court instead. He said that they would add additional fees associated with court costs. I ended the call and called LVNV Funding. I offered them the same settlement. They refused and told me to call the law firm. I am getting nowhere and refuse to be treated like less than a human when I an trying to do the right thing.
Consumer complaint received 2017-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On  XXXX   XXXX   XXXX  I sent a check to my landlord for {$1300.00}  ( #   XXXX   ) and in    XXXX  of  XXXX  the landlord told me they had n't received my  XXXX  rent check. I immediately went to my ba nk (   XXXX   ) to g et a copy of the check and found it had been fraudulently endorsed and cashed on  XXXX   XXXX ,  XXXX  at a Bank of America. I then made out an affidavit to start an investigation. I made many visits to my bank over the next couple months and they informed me they were waiting for Bank of America to respond.
Consumer complaint received 2023-04-12
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: ROBINHOOD MARKETS INC. (VA)

Last XXXX I sold a property and invested 40k in stocks, soon after in XXXX I believe I received a request from Robinhood to submit documents, ID, a bank statement and to answer some questions, which I did. I the lapse of 2 months they kept asking the same over and over, and I submitted what they asked over and over. At the beginning of XXXX I realized that my account had some restrictions, so I finally picked up the phone and talk to costumer Service the employe told me that they needed a statement for a specific account, which they didnt specify before. I submitted the statement while I was on the phone with the costumer service agent, which he acknowledged and told me that restrictions would be lifted in 2 or 3 business days. Weeks passed and nothing. I kept emailing them requesting information about it. Two weeks ago after talking to costumer service AGAIN, they told me that they couldnt talk to me on the phone about it and that I would receive and email. I did receive an email telling me that my account was being deactivated and the app said that they confirmed fraudulent activity. I told them that I didnt want to do more business with them and I wanted to transfer my assets and my cash. They dont let me do either of those so my money and assets have been kidnapped by them since then. Since nobody has been able to give me a straight answer about this Fraudulent Activity that they are talking about I contacted them again, and assuming that the unusual investment amount as the issue I went ahead and email them and submitted paper work where I showing step by step where the money came from, warning them that it was my last attempt to remediate this situation so they release my assets and money. The answered with the same email template saying that my account was deactivated and that they will let me know what when I could get key cash and assets. Im still waiting for resolution and loosing money since they have kidnapped my money and assets. They retuned me XXXX, but they still have XXXX and they dont give me a resolution. I contacted the XXXX XXXX XXXX and they directed me to you.
Consumer complaint received 2017-06-09
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. (CA)

I have a pending complaint to Equifax filed thru CFPB   XXXX  . Their response was addressed to a certain   XXXX   XXXX  , not for me :   XXXX   XXXX  . Are they really working on my c/o. Or did they send their response for me to   XXXX   XXXX   and vice versa. Please see following " copy and paste '' " STATUS '' Company responded o n  XX/XX/XXXX  R ESPONSE TYPE Closed with explanation Company 's Response " Dear   XXXX   XXXX  , we received the complaint you submitted through the Consumer Financial Protection Bureau Portal. Equifax has reviewed the complaint and its records. MO FED BK   XXXX   XXXX   account   XXXX   was verified by the data furnisher with your name, current address and social security number. Written confirmation has been sent to you. Please allow 7-10 business days for delivery. If you have documents that release you from these obligations, please forward them to Equifax Disputes,   XXXX   XXXX   XXXX    XXXX , GA  XXXX  or you may visit us at www.equifax.com ''.
Consumer complaint received 2017-06-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (MD)

Suntrust mortgage  went thru the steps but never received papers and always asked for more.   also, I just learned that suntrust should have had to notify me when the ownership of my loan changed hands within 30 days. i was never notified when, meers transfered ownership back to  Suntrust an d   XXXX   XXXX   made  Suntrust take  the loan back.So twice my loan changed hands, and both times I was never notified. to this day. I have never been given notice.   I was never notified this in writing. they even got in trouble earlier when i applied for my loan. I was in  XXXX  and was living in both   XXXX   and  XXXX  for work.  Suntrust tried  to claim on my mortgage insurance and the insurance denied the claim becaus e Suntrust wrote a lo an that I was suppose to be living in the home full time and they new I was both in  XXXX  and  XXXX . My tax returns even had a  XXXX  address. They should have qualified me for a loan that I was living in both states off and on. S o Suntrust qualified m e for the wrong type of loan to start.Please investigate this. thank you.  <P/><P/> thank you
Consumer complaint received 2017-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Allied Collection Services, Inc. (Nevada) (NC)

I have already submitted multiple complaints that have been closed but not satisfied satisfactory. Please dig deeper and more seriously into this to satisfactory resolve my issue.
My issue is again ; MY COMPLAINT Allied Collection Service Opened XX/XX/XXXX {$170.00} Original creditor : 01   XXXX   XXXX   I have legal documentation that this account was stated as CLOSED and that their would be no further financial obligations as of XX/XX/XXXX .
<P/>
Please reference attached documents again.
Case #  XXXX  CLOSED, BUT NOT SATISFIED Case #  XXXX  CLOSED, BUT NOT SATISFIED Confirmation #  XXXX  This matter has been cleared and satisfied with my   XXXX   Credit Report but not on my  XXXX  Credit Report. Please assist, or force assistance in cleaning up my   XXXX   Credit Report regarding this FALSE information.
Consumer complaint received 2018-08-07
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. (CA)

Hi, Wishing you well today! Thank you for taking the time to read this message. Attached are pictures of past missed student loan payments that are significantly lowering my current credit score. When I first got out of college, in XX/XX/2015 as stated above, I was not aware that my loans were due. This hurt me for 2 months before I realized it as I had no credit at this particular point in time. Though my only excuse is being young and naive, I did not understand how credit worked at the time. I did not even own a credit card, and I had no established credit. I am just writing this to humanize myself and to hopefully have these derogatory marks as I have made every credit payment since! My loans were actually deferred for an entire year due to low income as well. I fully intend on continuing to do so, in terms of maintaining all of my payments in a timely manner, in my present and my future. Please help me create the credit I know I am capable of achieving and maintaining. I appreciate your time and efforts.
Consumer complaint received 2018-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN EXPRESS COMPANY (TX)

XXXX, XXXX and XXXX  inacurrate information caused me to put a id theft report with ftc now none of the bank wil do business with me b/c i filed against thme fair lending act.. XXXX, XXXX XXXX XXXX , XXXX, i could go one for day how is that rithg b/c i have XXXX job and about 720 credit on all three and 8 paid off auto loans
Consumer complaint received 2017-09-17
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. (GA)

Hello Again CFPB : Now its my hopes that the Consumer Financial Protection Bureau is discriminating against me as a XXXX XXXX Consumer. NoW with that said, let me implore my right to file a complaint under Federal Law with CFPB, THANKS. 

Experian Credit Reporting agency is attempting to suppress my XXXX credit report by 1. Showing a Balance owed with XXXX XXXX XXXX XXXX in the amount of {$42000.00}, a Equity loan that I made as an XXXX man and paid off, but these XXXX XXXX are showing balance still owed, but I 'm contacting CFPB first and I 'm owed {$1.00} XXXX dollars by the government, upon receiving this, Experian, XXXX, and XXXX has to answer me in Federal Court, I 'm good at what I DO! 

2. Now because XXXX XXXX XXXX would n't include my XXXX mortgage loan on my Experian credit report, XXXX I 'm still in charge, XXXX the new ( server ) is on the job, on the block, and do n't think for one minute CFPB I do n't see you role in not having them report my Mortgage, see you do dirt and ignorant XXXX legally happen, but I want CFPB to understand, I know why you did n't investigate, did n't fine, did n't prosecute Experian for not adding Mortgage to my account, but its Ok, I going to subpoena your General Counsel to prove suppression, compromise, injustice, and discriminatory allowable practice by CFPB in its role. 

Lastly, XXXX I know that you folks at the CFPB has notes by my account, to not assist, because of the Power I possess and knowledge concerning DODD/FRANK, FTC role to not assist XXXX Consumer against XXXX, but I going to pick this conversation up and run with it and tell my story and sue and be compensated for telling the TRUTH, WOW! There 's no body stopping me, but me. Now as for my credit report, I 'm well aware of accounts with balances, 28 accounts to be correct, well this rat XXXX at the XXXX XXXX XXXX XXXX, XXXX XXXX, a XXXX, did n't like the way I was able to talk boldly with this crook and he sabotaged my loan request to pay credit cards off, but guess, I still have over {$53000.00} worth equity in my house, I 'm still retired, and still receiving my retirement income, got it! I fight, legal fight all injustices against XXXX consumers, period, but I fight in the courtroom, I 'm 12 and 0 to-date, not an attorney, but I was trained well for 30 years plus in the business world and I consider myself pretty XXXX good following the Rule of Law against XXXX crook, and prejudice rat XXXX when they think you do n't see what they are imploring with XXXX games.
Consumer complaint received 2017-09-17
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. (NC)

This complaint is a follow up to complaint XXXX filed XX/XX/2017. 
I disagree with the findings of verification stated by the CRAs and the complaint previously brought against the companies has not been satisfied with proof these accounts were validated now removed from my account. Accounts unvalidated were removed from my report by XXXX and I have enclosed the findings of the dispute with this complaint. 

On X/XX/2017 I requested the CRA to furnish : 1. Agreement with the creditor that authorized the CA to collect on the alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I requested the CRA to provide me with a validation of the debt as listed on the attached correspondence. Please note, this was not a refusal to pay, rather a statement that the CA or creditors claim was disputed and validation was demanded. ( 15 USC 1692g Sec. 809 ( b ) ). The CA or the creditor met my request for information and at this time are knowingly reporting information that is inaccurate. By the provisions of the Fair Credit Reporting Act, I demand that these items be removed immediately from my report.