davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-04
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE (OH)

I had my credit card number stolen in XXXX of 2015. It was my Carnival MasterCard through Barclaycard services of Delaware and the merchant of the charge is actually the one who phoned me the following day after it occurred and asked me if I made the charge, which I told him I did not, so I then proceeded to call my credit card company and explain to them the situation. They did immediately send me out a new card and number and at that time I thought and from the way they explained it that it would be resolved in a few days. On XXXX XXXX, 2015 I called them again because I noticed the charge was still on there and they basically said they had n't been able to reach the merchant which I have a hard time believing since it was XXXX. So I filed a complaint and was given a complaint number. It is now XXXX XXXX, 2015 and the charge is still on there. They told me on the day I filed the complaint that it would take 45 days to resolve and it is still not resolved. I have been a loyal customer for years with this company and have paid off my card in full several times, am always on time with my payments and this charge is still on my card. I find it ridiculous that this is occurring. I use this card a lot and I have never questioned a charge before and they are basically treating me like I am the criminal and I am absolutely getting nowhere with them. So that 's why I am writing to you.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NE)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : 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 2015-08-08
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

I am leading a XXXX XXXX ... .. Unfortunately I had some issue and had to move and my financial situation caused my payments to be late .... I contacted the ... Nissan Motor Acceptance Corporation. ... there # is XXXX ... ..Spoke with XXXX of the gentleman that works her ... I do n't remember his name .... I explained my situation and told him I 'd be paying most of it if not all of it on the XXXX of this month when I get paid ... .. He refused me and tolde I need to pay by the XXXX .... I told him I ca n't do so till I get paid on the XXXX .... He did n't want to hear it ... Now I 'm trying to pay and he is denying me .... I told him I guess you will have to come take the car .... He said fine he will .... Now as far as I 'm concerned I 'm being way over charged on my payments to start out with .... I have a XXXX with absolutely nothing extra ... Very basic and I 'm paying XXXX or month ... .. If they are going to rip me off then they should have the decency to give me till the XXXX .... Please help me
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX, XXXX, and Experian, the credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit cards opened with XXXX XXXXXXXX XXXX XXXXXXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, an auto loan account opened with XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, A utility account with XXXX opened on XX/XX/XXXX under the account number XXXX, and a collections account with XXXX XXXX XXXX XXXX opened XX/XX/XXXX under the account XXXX. These accounts have resulted in several fraudulent fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2015-12-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (OK)

We received a notice in the mail from Complete Payment Recovery Services , Inc. of XXXX, AL demanding payment for a returned check # XXXX for {$460.00}. The notice was addressed to " XXXX XXXX. XXXX XXXX. '' We are now receiving frequent recorded massages on our landline phone demanding immediate payment. That is not the name of our company. We are a husband and wife marketing firm with no employees and do not issue payroll checks. Nor do we show in our records any check numbered XXXX for {$460.00}. We called the number provided on the notice ( XXXX XXXX XXXX ) after talking by phone with a representative at the Consumer Finance office. The person we were finally able to get ahold of at Complete Payment Recovery Services , Inc. was very rude and kept trying to get more information from us, saying she needed more information about our company in order to answer any question we had. We did n't give her the information she was requesting. ( Example : full names, name of company, etc. ). We explained we were going to file a complaint with Consumer Finance and hung up.
Consumer complaint received 2015-08-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

BANK OF AMERICA seeks to collect a debt that is barred by the California Statute of Limitations. No judgment or debt has been filed or had by BOA against me.
Consumer complaint received 2015-03-24
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Integrated Recovery Services (CA)

I received a call from a woman stating that they have a " pending claim '' against my XXXX checking account ; some sort of " bad checking ''. No name of the lender or anything is given. She states that I have some charges pending against me as to what they do not give. These people have called my dad as well as my sister under the business name of Integrated Services at XXXX. I looked up this number on another web source and other consumers have had the same issues with these people ; they harass, can be rude, and have multiple numbers in which they have used. I believe they are attempting to fraudulently collect monies from me and/or my bank through old payday loan information they obtained.
Consumer complaint received 2015-04-13
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

My home equity line is going to the repayment phase in XXXX, and the payment will go up by over {$1100.00} a month. RBS/Citizens has sent me letters saying seek alternatives if this payment is too much or I 'd have trouble. I did call, and after getting bounced all over was rudely told there were no options for me as the house is now rented to keep it afloat since I could not sell it. They refused to do any workout or modification, but did say I could deed in lieu to them. They sent paperwork for that calling my loan in default when I have never made any sort of default in payment, insurance, taxes etc. I have always made all payments on time. They also called a completely separate loan in default on another property that has an RBS mortgage where I am also not delinquent and never have been and did n't even ask about that loan in my call. They refuse to do any sort of modification at all and tell me my only options are to pay off the loan or pay the {$1100.00} more a month, or deed in lieu the property ( having now told me I am in default when I have made all payments on time ). I want to do a modification to buy more time at a reasonable payment so the bank does n't lose money and I do n't lose the house and maybe the value comes back so I can sell it and get us all out reasonably and with payment in full.
Consumer complaint received 2016-02-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Absolute Recovery Services, LLC (TN)

I have repeatedly asked for itemized explanation of the debt as it is easily four times that of what I should owe. I have asked for a settlement amount. I have asked to be called when I am available to talk which is after XXXX. I get repeated calls at the time that they know that I can not talk, and they give none of the above information. I am attempting to settle this matter but they do not seem to want to give me the proper information AND while I wait for this information they report again and again on my credit report.
Consumer complaint received 2015-08-07
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: DISCOVER BANK (FL)

I received a letter in the mail from Discover Personal Loans offering me a personal loan. I looked over the offers and chose a {$25000.00} loan at 6.99 % for 84 months with a monthly payment of {$390.00}. AFTER Discover wasted my time with a bunch of questions and checking my ( excellent ) credit, they came back and, casually, offered me this loan for 18.99 % with a monthly payment of $ XXXX.This is after I told them I wanted to pay down a credit card that had an interest rate of 14 %. Why would Discover think that I would be stupid enough to accept a loan for 5 % more than I am currently paying? I declined to accept that offer. This sure has the smell of a classic bait & switch!
Consumer complaint received 2015-04-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (NC)

I have been struggling for over a year to work out a modification with PNC bank due to unemployment in 2013. We got to the point of short sale in XXXX, at which time I was assigned an attorney to represent me in the proceedings. PNC denied offer to purchase at the beginning of XXXX, since then they have refused to take the law firm off of my account as primary contact and have not spoken to me claiming that I need to remove attorney authorization. We have repeatedly emailed and faxed PNC with the requested letter from attorney. Last week I submitted another modification request asking PNC to consider modifying mortgage based on their - PNC Agent - BPO - value of {$60000.00}. I am still unable to speak with them, they refuse to change the attorney information. I had another foreclosure hearing this morning. PNC 's improper refusal to discuss my own account with me, for over 30 days, has negatively impacted my ability to work with them on a modification and avoid steps in foreclosure. As of this morning, the court has set a sale date and they STILL refuse to speak with me. It has been communicated to PNC numerous times that the authorization I originally signed allowing attorneys to speak with PNC about my account contains no cease and desist language at all. This is the final straw in the long list of ways they have kept me from working out a deal to keep my home. PLEASE help me. They have lost my paperwork, requested the same documentation over and over, claim they ca n't leave me voice messages, I did n't initial XXXX page of a XXXX page document, etc ... ... I want to keep my house, I am employed again and have been, I also have additional income with my father living with me. Their practices seem to be unethical. The refusal to speak with me is absurd.
Consumer complaint received 2015-08-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NV)

A few months ago I had requested my credit report from Experian but for some unknown reason I was n't able to get it from them so I just went online and got my report from some website instead. 
I ended up filing some disputes with Experian because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least 2 months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have one I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within 30 days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than 30 days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately.
Consumer complaint received 2015-04-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

After years of being a " good cutomer '' at Citizens Bank, they elected to terminate our business relationship. This included my wife 's business account ( a nonprofit ), her individual account, our joint account and a joint account with my son. This is done by sending a letter that looks like the rest of their junk mail and being given a week to clear my accounts. They said that the decision was permanent and final. They also said that they did not intend to give the reason. My credit scores are excellent and I have never been deliquent.They erased my bill paying functions and I have lost all records of recent transactions, including those they they decided to no honor. 
My funds are now frozen. They offer no explanations. 
This may be legal, but, certainly, not ethical. 
I suspect that this was triggerred by my wife 's nonprofit organization ( XXXX XXXX XXXX ) works in XXXX where they help with the education of children orphaned by XXXX through microluans to the familis and by direct educational support ( XXXX ). Funds are periodically wired to XXXX. Nevertheless, the operations are quite transparent. If this is the case, then they are guilty of a sloppy investigation. So, it must be something else.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Dear CFPB, I am filling a complaint regarding unresolved issues with my credit report. 
On XX/XX/year>, I submitted a formal dispute to the credit bureaus addressing numerous inaccuracies and unauthorized inquiries. Despite 31 days passing i have yet to receive any acknowledgment or resolution, These inaccuracies, including falsely reported collections, have led to service denials and increased interest rates, impacting my financial well being and my ability to secure essential funding for me, my business and life goals. Despite multiple attempts to dispute these items, i have no received adequate verification. And I will also mention that the items listed negatively that i am disputing are falsely reporting.

According to section 611 ( a ) of the FCRA, the credit reporting bureaus are require to address the disputes within 30 days. Since this has not occured, I am demanding the immediate removal of the inaccurate items from my credit report. 

The failure of the credit bureaus to respond promptly has caused significant harm as well as their falsely reporting of information. I am prepared to purse legal action if the issue remains unsolved. 

Thank you for addressing this matter promptly. 

XXXX XXXX
Consumer complaint received 2016-02-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (CA)

This is my second compliant. I keep getting stall tactics & alternate methods of not being held accountable. I have sent the credit bureau all the information from my direct dispute with the data furnisher and the CRA has ignored my request to remove items which are being reporting inaccurately, are unverifiable, are incomplete or are untimely. I 've sent them correspondence through CFPB & via certified mail & still they 're claiming they dont have enough information to remove the inaccurate information. I 'm resubmitting my request to have these items removed from my report based on the FCRA. I 'm including everything which demonstrates my timely response & methods used to verify the accounts which they claim to have verified ... The following accounts have not been able to provide me with any information these accounts belong to me nor have I received anything reflected they are reporting correctly : 1. XXXX XXXX XXXX # XXXX Please delete 2. XXXX XXXX # XXXX Please delete 3. XXXX XXXX XXXX # XXXX Please delete I would like them removed immediately!!
Consumer complaint received 2015-05-19
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Global Trust Management LLC (OH)

Called an ex husband of 10+ years stating that they needed to locate me, XXXX, I have not have contact with this person for a very long time.. I called the XXXX contact number that global trust management llc used and informed them not to contact any other number than mine, they again called again under a different number and did the same thing, XXXX XXXX is the one who keeps calling, I against XXXX called her and informed her once again only to call my personal phone number
Consumer complaint received 2015-03-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivable Recovery Services, LLC (LA)

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
Consumer complaint received 2016-02-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX SS # XXXX DOB : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX # XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX XXXX DELINQ XXXX IQUIRE NOT DONE BY ME XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX SS # XXXX DOB : XXXX/XXXX/XXXX XXXX XXXX , FL XXXX