davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2021-12-15
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I have been on a covid forebearance since XX/XX/XXXX with XXXX mortgage and then on XXXX this year the file was transfered to XXXX XXXX. I was offered a deferal at the end of the covid forebearance period and upon transfer, I was told by XXXX and confimred by Select Portfolio Servicing that they would honor the deferal at the end of the final period which was XX/XX/XXXX. I sent the documentation they requested from XXXX. 
Now Select Portfolio Servicing is stating that the investor does not want to honor this and they want to me to go through a retention review process. I was told the deferral would be automatic.
Consumer complaint received 2021-12-16
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

I have reached out to Experian multiple times as well as the company I extended credit " XXXX XXXX XXXX  '' I am also aware of my right to refuse any payment 16 Usc 1692c ( C ) and its also my right to have privacy which they have infringed upon it by giving access to a 3rd party debt collector with the attempt to collect a debt. I called them and spotted out multiple violations I also have a recording of the call in which the supervisor was very rude and not helpful at all as he kept interrupting me letting me know he doesn't care that I know my laws as I was stating the ones violated.
Consumer complaint received 2021-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (AK)

On XXXX XX/XX/2021, I received a notification on my phone as well as an email indicating my payment declined ( {$19.00} premium monthly monitoring services ). I use a prepaid card for this account due to previous dealings with Experian over charging my card in the past. Well, nevertheless ... .I was like I'll just downgrade the services fir some of the " premium '' perks weren't needed. When I went to log in I was unable to fully get into my account. Experian will not let me log into my account until I pay {$19.00} for the next 30 days. I'm not sure why I can not fully log in and just downgrade the account. If the one of the monthly services is " FREE '' then why don't they just block or stop premium access and allow me to sign under that? The only thing I am worried about is the fact they, as in EXPERIAN will downgrade your credit score and unlock your report ( unfreeze-even if the freeze is supposed to be a free service to consumers ) if you do NOT pay the premium score. I mean I'm already fighting with them to remove to items that are out of date to be on my report due to Alaska FCRA rules but it's a no ein situation with Experian. I just want to be able to log in and change my subscription
Consumer complaint received 2021-12-17
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. (CA)

I have address this several times. Now the issue is the account. Was open XX/XX/XXXX and other mis information. But XXXX showing it was opened XX/XX/XXXX. And that not correct. In the past when I point out wrong info the credit reporting agency just Changed them on my credit report and notified the creditors. I thought they were to remove them. So I'm going this route. The date opend is wrong. Along with other info. But for now I'm noticing Date open wat XX/XX/XXXX. Not XX/XX/XXXX. I'd like the credit remove from my report
Consumer complaint received 2021-12-16
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

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 sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the XXXXairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX
Consumer complaint received 2021-12-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RentDebt Automated Collections, LLC (TN)

I'm Filling this complaint because I sent Rent Debt Collections a Debt Validation letter which they received on XX/XX/2021, for a fraudulent debt, they collected. I gave them 10 days from the date they received the letter to respond, it has been 17 days and I have yet to receive a response. if Rent debt collections fails to respond in a timely manner with all requested documentation I will have no other option but to take legal action for FDCPA violations, FCRA violations, And Identity fraud.
Consumer complaint received 2021-12-15
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. (AZ)

my name is XXXX XXXX i am writing this myself on behalf of myself, any authorization or verification you say you need consider it given.. 

your company is in violation of 15 U.S. Code 1681a ( 2 ) Exclusions ( B ) and in violation of Under truth and lending 15 U.S. Code 1602 ( I ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

By that definition my social security card is a credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
And anything that extends from a credit card or similar device according to 15 U.S. Code 1681a ( 2 ) Exclusions ( B ) ; should be excluded from my credit report.

not only that, but since i am the original creditor according to 15 U.S. Code 1692a ( 4 ) The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. 

as the original creditor, only i can validate this debt. i do not validate this debt which puts this agency in violation of 15 U.S.C 1692g. since i wasnt notified of this in writing 5 days prior.
Consumer complaint received 2021-12-16
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: Experian Information Solutions Inc. (PA)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2021-12-16
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: TD BANK US HOLDING COMPANY (NY)

The XXXX XXXX  stated that the benefit card was used at the TD Bank XXXX  3 imes between XX/XX/XXXX and XX/XX/XXXX. It was used on XX/XX/XXXX at a store at XXXX XXXX XXXX XXXX. XX/XX/XXXX It was used at an ATM at XXXX XXXX XXXX XXXX. XX/XX/XXXX it was used at XXXX XXXX XXXX, XXXX. On XX/XX/XXXX it was used at a Parking lot at XXXX  XXXX and at a gas station on XXXX XXXX.
Consumer complaint received 2021-12-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (SC)

On XX/XX/XXXX I sent a letter requesting to have debt information sent to me. On XX/XX/XXXX I received a typed up letter from Capio Partners of Statement of Account along with a statement stating NOT A BILL with a service date and description. 

A second letter on XX/XX/XXXX requesting to validate debt which was not done in initial letter. I have not received a response as of XX/XX/XXXX. I am requesting to have this debt removed.
Consumer complaint received 2021-12-15
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. (AZ)

my name is XXXX XXXX i am writing this myself on behalf of myself, any authorization or verification you say you need consider it given.. 

your company is in violation of 15 U.S. Code 1681a ( 2 ) Exclusions ( B ) and in violation of Under truth and lending 15 U.S. Code 1602 ( I ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

By that definition my social security card is a credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
And anything that extends from a credit card or similar device according to 15 U.S. Code 1681a ( 2 ) Exclusions ( B ) ; should be excluded from my credit report.

not only that, but since i am the original creditor according to 15 U.S. Code 1692a ( 4 ) The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. 

as the original creditor, only i can validate this debt. i do not validate this debt which puts this agency in violation of 15 U.S.C 1692g. since i wasnt notified of this in writing 5 days prior.
Consumer complaint received 2021-12-15
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. (IL)

I have disputed multiple items on my report a couple of times I have not received no verifying items of these matters in my report and I have seen no letters detailing why these items have been on my report I read thirty days of not verifying items on my report it has to be deleted
Consumer complaint received 2021-12-16
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. (GA)

-The investigation took more than 30 days. 
I was taken advantage of after several practices have been broken under the law of the FCRA. You have hurt my ability to obtain credit. CAN'T GET A SBA LOAN ( SERVAL OF LAWS HAVE BEEN BROKEN BY YOUR COMPANY XXXX Equifax XXXX consumer solutions
Consumer complaint received 2021-12-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (CA)

After opening an account with citibank for a promotional offer, and spending a tremendous amount of time communicating with Citibank to actually receive the promotion, I decided to discontinue banking with citi, and went about closing my account. I withdrew all funds from my account, and used the " Citi XXXX '' feature to communicate that I wanted to close my account. The representative indicated that it was closed. 

Several weeks after I having been told by the citi representative that the account would be closed, I received a charge on my account of {$25.00} for having a " lower monthly balance than required '' for maintaining the account. Given that I had requested the account to be closed, this should not have occurred. It took me 3+ calls to Citibank ( over an hour each ) to try and resolve this issue. 

I eventually received confirmation that the {$25.00} charge would be reversed, and the account would be closed. One day after this occurred, I received a {$35.00} " overdraft fee '' on the account, as the account had a zero-balance, so the {$25.00} charge from citi was viewed as an overdraft. Not only is this an absurd practice, to charge overdraft for fees issued by the bank, but this seems like predatory activity. This also represents fraudulent activity, as the bank is prohibiting me from closing an account, and billing me for a service which I requested to discontinue, and had received verbal confirmation several times that it had been discontinued. 

I am now in the process of trying to resolve this issue, and anticipate that I will need to spend several more hours. This company should be heavily fined.
Consumer complaint received 2021-12-16
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. (PA)

Hello CFPB, I recently reviewed my credit profile and saw that an account was unlawfully added to my credit profile without notification. I am attaching this dispute to XXXX, Experian, and XXXX so that these account ( s ) can be removed immediately. They have impacted me and my ability to proceed with expanding my business and achieving my personal goals in life. 

I ask that these accounts be blocked and/or deleted from my consumer profile immediately.
Consumer complaint received 2021-12-15
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I found out there are some negative elements that are hurting my credit history, those elements do not belong to me. 

1. XXXX Date of inquiry : XX/XX/2021 XXXX. XXXX Account XXXX : XXXX 1. XXXX XXXX XXXX BANK XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-12-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

To Whom It May Concern : TransUnion is unlawfully breaking FCRA by not removing a collection off my account that I have disputed with them many times and I have asked for them to provide me evidence from this collection agency. The account is waypoint resource group account # XXXX XXXX has failed to provide me evidence and in return come with verified without showing me evidence or telling me how they verified it. XXXX has removed this collection off my credit report. Please remove this collection off my credit report that I do not own or else I will have to file a lawsuit. Thank you in advance.
Consumer complaint received 2021-12-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have written to TransUnion to bring to their attention inaccuracies in my consumer report that are damaging. These negative and damaging information has caused me so much anxiety and many lost opportunities to apply for credit cards, buy a car or apply for a mortgage. 
I'm requesting a reinvestigation into ALL the accounts mentioned in sent letter. As a consumer, I am exercising my right to dispute this information. According to the FCRA 15 USC 1681 e ( b ) and 15 USC 1681 i ( a ) 1 ( A ).
Consumer complaint received 2021-12-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (HI)

My husband left XXXX where his job was due to covid-19 job closure. now he has been back home and I have been working Full time at XXXX XXXX XXXX and I am a XXXX that now have been paying most of our bills. My husband receives a pension and now we have been trying to come out of the forbearance for the last 6 months. while or debt is adding up we have only been asked time and time again to upload documents which we have. I feel Flag Star Bank is not being honest with us. I in good faith sent in XXXX that I saved to help take down the forbearance balance. I was not appropriated correctly and we are still in debt. We are asking for some out side assistance. During a serious storm of 2020 and with the staying home more I noticed black seeping through the walls upstairs and my kids started having nose bleeds, we had a environmentalist exam our home and was told to get out quickly, so now we are in a camper on our property due to farm animals we can not leave. We have insurance money held up at flag star insurance department to fix our home and can not due to they have not released it to us. We need help.
Consumer complaint received 2021-12-15
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: EQUIFAX, INC. (GA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-12-15
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. (MD)

Hello on XX/XX/XXXX Equifax reinserted an account back onto my credit report. I received absolutely no documentation from the dispute I submitted to Equifax for this account, not only is that an issue, but the fact that this account was reinserted onto my credit report and I received not document telling me why is a violation of my rights. 15 U.S.C section 1681i ( B ) ( i ) ( ii ) Requirements relating to reinsertion of previously deleted material, Equifax has failed to follow by the law set forth for me as a consumer.
Consumer complaint received 2021-12-15
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: Experian Information Solutions Inc. (FL)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2021-12-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am so upset about the investigation of a dispute I have sent in to Transunion. I have verifiable proof of a deleted account from the vendor they use to verify public records and they are not acknowledging it! This incorrect information that Transunion is reporting has been such a hinderance to my livelihood. 
I have received a letter from XXXX stating that they removed a bankruptcy that was reporting on my credit file. I sent in the dispute letter to Transunion in which they received on XX/XX/21. On XX/XX/21, I received several letters from Transunion stating that my dispute was complete and verified as accurate, another stating that the dispute would be completed on XX/XX/21, and another one providing me with my credit report. When I called in and requested a description of the procedure used to determine the accuracy and completeness of disputed information, they would not send it to me, which is a violation of my rights according to the FCRA. After several phone calls, XXXX from the XXXX, PA office said they verified the bankruptcy from XXXX on XX/XX/21. I called XXXX and spoke with XXXX XXXX who verified that Transunion has not been in contact with them. She also verified that there was not a bankruptcy reporting on my consumer file. On Transunion 's website they confirm that they verify public records from XXXX. I have valid proof that I do not have a bankruptcy and that this information is reporting inaccurately!
Consumer complaint received 2021-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (FL)

I have a personal & business checking account with Suntrust. I attempted an external transfer and was expecting the transfer to be pulled from my personal account & not the business account. The last 4 digits both include a XXXX and a XXXX for both accounts and from my external bank it only said Suntrust so it was not clear which was business or personal. I was charged a {$38.00} fee. I called a local branch near my house and the banker told me I'm allowed 1 fee refund per year and she told me she was refunding the {$38.00} to my account. I have never asked Suntrust for a fee refund in my entire lifetime. I have not seen the refund so I was lied to and I'm not happy about have a business & personal checking account with this bank and being lied to about policies and refunds. I expect the bank to honor the fee refund as I was told this on the phone by their own employee.