davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-28
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. (TX)

The FCRA states that all information reported on a credit report must be 100 % accurate or it must be deleted from the credit report. I sent letters to all bureaus to regarding XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX ) account. I asked to update, fix or delete this account because of the inaccurate information they are reporting on my credit report. They said it was verified and nothing was done to my report. These all are the inaccurate information that they are reporting to my credit report. Account is listed as collection. It's showing a balance of {$3700.00}, per the FCRA this is a violation, balance should be {$0.00} Date Opened : INACCURATE Balance : Should be {$0.00} Last Reported : INACCURATE. 
Date Last Active : INACCURATE
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. (NV)

I have filed multiple complaints against Experian for temporarily lifting my security freeze PIN code without actually asking for my PIN code. 

99 % of the agents fail to ask and then say they don't have to ask because he automated system verified me. 

And as for the ones who ask they say they asked because they had to in order to temporarily lift my security freeze. 
Experian agents are being allowed to do whatever they see fit and this negligence has caused for another agent to permanently lift my security freeze on the XXXX without my consent. 
I did not call on XX/XX/XXXX I called today so temporarily lift my security freeze for 24 hours and that's when an agent today XX/XX/2020 named XXXX informed me that my security frees was permanently lifted on the XXXX of XXXX. 

AS I STAYED AT MULTIPLE TIMES AND IT'S BEEN IGNORED EACH TIME. MY SOCIAL SECURITY MY IDENTITY ALL OF MY INFORMATION HAS BEEN FOUND ON THE DARK WEB DUE TO IDENTITY THEFT, AND IT'S ALSO DUE NEGLIGENCE FROM EXPERIAN TRANSUNION AND EQUIFAX FOR NOT ASKING FOR MY SECURITY FREEZE PIN CODE EACH TIME I CALL. 

I filed multiple complaints has never been resolved. 
Instead I get answers pertaining to something else other than my actual complaint. 

To lift my security freeze without asking for pin code means you could very well do it for just about anyone who has my social. 
This negligence has put me even more at risk because now my security freeze pain code is voided due to the fact that my security freeze has been permanently lifted. 

I contacted the fraud department and just as I expected THEY MAKE NO PLANS TO DO A THING! 

I TOLD THEM I WANT MY SECURITY FREEZE PUT BACK ON RIGHT NOW! 
HAVE ANOTHER SECURITY FREEZE PAIN CODE BEING MAILED TO ME BUT THAT'S NOT GOING TO STOP THE PROBLEM The problem is these agents supervisors managers are all failing to do their job and the negligence is putting my IDENTITY AT RISK, CREDIT AT RISK, INSECURITY AT RISK. 

THEY'RE NOT GOING TO ASK FOR MY SECURITY FREEZE PIN CODE IF I HAVE TO CALL 6 AND 7 TIMES TO GET ONE AGENT TO ACTUALLY ASK ME FOR MY SECURITY FREEZE PIN CODE I CAN STILL SAY 99 % OF THEM ARE NOT ASKING FOR MY CODE AND NOW THE SECURITY FREEZE HAS BEEN REMOVED THANKS TO THEM BEING NEGLIGENT! 

IT DOESN'T SEEM LIKE ANYTHING IS HAPPENING BY ME PUTTING THESE COMPLAINTS IN I DO MEAN NOTHING IS HAPPENING ... 

ALL I'M DOING IS WAITING 30 TO 45 DAYS FOR NOTHING!
Consumer complaint received 2020-06-30
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 (AL)

Portfolio Recovery is illegally reporting a collection account that does not belong to me. Original creditor : XXXX XXXX XXXX XXXX The account ( s ) in my name were created via identity theft. I've filed a police report and FTC affidavit to help resolve this issue. You need to stop reporting this account to my credit report and notify them to delete this.
Consumer complaint received 2020-08-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (MI)

On XX/XX/20 I called to see why on my credit report it was showing a balance instead of saying that the debt was settled and was transferred and hung up on several times before reaching anyone. Once i reached a representative, he was very rude and told me to pay the balance and that this was going to remain on my credit forever. I asked him why when my account was settled by another representative. I am blaming the Bureaus because they hired these shady people to take payments for them and lie and say that everything would be settled and deleted from my credit report as soon as i settle but lied to me because it is still on my credit report. I would like this to be deleted just was I was told and want information that it will be because i went even far as leaving compliant and was never contacted back.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  Account Name XXXX XXXX XXXX  UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-16
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: EQUIFAX, INC. (FL)

I am filing this complaint regarding all three credit bureausEquifax, XXXX, and XXXXdue to their failure to provide me with the information I requested concerning their investigation of XXXX XXXX. I contacted each of the credit bureaus requesting details on the investigation they conducted after reporting issues related to my account with XXXX XXXX. Despite multiple attempts to obtain this information, I have not received any response or explanation about their investigation or the findings. I believe my consumer rights under the Fair Credit Reporting Act ( FCRA ) have been violated, as I am entitled to receive information about disputes and investigations. I am seeking assistance from the CFPB to ensure that the credit bureaus provide the necessary details regarding this investigation and that any inaccuracies on my credit report are addressed
Consumer complaint received 2020-08-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (NV)

Quicken Loans Mortgage Lender currently has a policy where if an outside third party vendor has your loan number and your last four of your social security. They can simply over the phone request your loan payoff amount. If they choose the wrong type of loan payoff amount, Quicken Loans charges their customer you the burrower {$25.00} per request. Quicken Loans has no other verification system in place and as stated in an email from customer service " assumes '' these companies are making this request on you the customer 's behalf. Quicken Loans provides no notification and the fees just keep piling up. The other real sad part of this in the fee schedule and structure they shared with them the fee for this " Service '' for third party vendors is " Up to {$25.00} ''. Which means this is literally at their discretion.
Consumer complaint received 2020-06-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (VA)

On XXXX XX/XX/2020 I researched refinancing a home loan with Quicken Rocket Mortgage. After submitting all of my data, only then do they notify me that the product is not currently available. This is an unfair and abusive way to collect consumer data. Once I typed in the loan details, they should have immediately included a prompt the loan type is not currently available.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-08-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Block, Inc. (TX)

I transferred {$1200.00} from my linked credit union checking account to the Cash App card I have, which I planned on using for rent. I did this on XX/XX/2020, after my XX/XX/2020 attempt to pay rent online was declined due to a clerical error ( incorrect bank routing number entered ). My intention was to use that card to withdraw cash to pay rent with a XXXX, as now required by my apartment complex. My credit union is XXXX XXXX XXXX XXXX ( where I used to live, in XXXX  ) and my current home is the XXXX XXXX XXXX in XXXX XXXX. My legal name is XXXX XXXX, but I go by XXXX ( hence my username on Cash App, $ XXXX ). 

Since my associated debit card was canceled around the same time ( my credit union sent me a replacement recently ), I assumed thats why the money didnt get to my cash app card. The company told me I had to have a card associated with their Cash App card, but once I replaced the debit cards with the replacement, the money didnt go through. 

Cash App does not show receipt of the {$1200.00} transfer, but my credit union shows {$1200.00} leaving my account and going to them. I never received it despite even replacing the credit union debit card to back the Cash App card it requires. My rent is now almost a whole month late, and Im facing eviction. They refuse to respond to emails, messages, and wont call. My credit union said theres nothing they can do, but Cash App wont fix the problem.
Consumer complaint received 2020-06-30
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. (NY)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2020-06-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Capital One closed my XXXX XXXX on XX/XX/2019 without any notice.This caused a lot of inconvenience to me as this was the primary card that I was using.This card carried an annual fee which they haven't refunded me.Also, a few months ago a merchant refunded me a concert ticket ( {$100.00} ). Capital One has refused to send me a check.
Consumer complaint received 2020-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (TN)

The IRS transmitted my Economic Impact Payment for a total of {$1200.00} via direct deposit into my checking account with PayPal on XX/XX/2020. According to PayPals terms the government direct deposit may not post to my account for 3 - 5 business days. It is now XX/XX/2020, which is 8 days since my deposit was transferred from the IRS to my PayPal account. There is still no pending or completed transfer on my account. I have reached out to them, but have not had any response or contact from a representative about my current situation. I have waited patiently for 8 days for the IRS direct deposit payment to post to my account, but the PayPal company has fraudulently held my money for a far longer extended period of time than was expressed in the terms and conditions.
Consumer complaint received 2020-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have called and discussed over 2 hours with an associate and XXXX XXXX? that I suffered extreme trauma over the time that I have had this card. I thought the bill was on full autopay I normally do and it was accidentally on miimum amount due. I have been advised by my doctor that I have a XXXX that was directly affecting my ability to handle these functions. due to being forced to work in a different state and extreme harassment and trauma at my work I did not see these bills. Business revenues dropped due to unanticipated problems as well. PURCHASES ARE ALREADY PAID IN FULL. Request - all fees and interest to beginning of account removed as problems began around that time.
Consumer complaint received 2020-06-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AL)

In 2017 XXXX  suffered a security breach that leaked the data of XXXX XXXX Americans including myself, as a result of that several accounts have been opened in my name and placed on my credit file. I have hired a lawyer, and as of today I have filed the papers for civil suit and I will be bringing this information forth to a judge in my area.
Consumer complaint received 2020-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

On XX/XX/2020 I wrote a letter certified mail # to Equifax   ( usps certified mail # XXXX XXXX XXXX XXXX XXXX ) explaining to them that the Auto loan acct # XXXX was unverified and can it please be removed.
Consumer complaint received 2020-06-30
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. (NY)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2020-08-28
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Valor Intelligent Processing, LLC (GA)

The company called me on Monday XX/XX/XXXX, may have been Tuesday. He did not tell me of any recording before asking my name. I did confirm my name. He asked me to confirm my address or social security number, which i refused to do. I asked who he was and he gave me a name for himself and the company as Valor Intelligent Processing. At that point he gave out my information in the form of my address and he also told me the last four of my social security number. He had not confirmed my identity at this point so could not be sure he was talking to the correct person. I hope that it is illegal to broadcast my sensitive information in this manner. I also get numerous robocalls from this company, even after asking not to be called. I think the robocalls are legal unfortunately.
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: Experian Information Solutions Inc. (TX)

The FCRA states that all information reported on a credit report must be 100 % accurate or it must be deleted from the credit report. I sent letters to all bureaus to regarding XXXX/XXXX  account. I asked to update, fix or delete this account because of the inaccurate information they are reporting on my credit report. They said it was verified, that the reached out the creditors/collectors and that information was verified or accurate. Nothin was done to my report, it's still showing inaccurate information. This is the inaccurate information that they are reporting to my credit report. 

Account Type - Detail : Incomplete Date Opened : Inaccurate High Credit : Inaccurate Credit Limit : Inaccurate Last Reported : Inaccurate Date Last Active : Inaccurate Date of Last Payment : Inaccurate
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Consumer Name : XXXX XXXX XXXX. 
Consumer DOB : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , 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 an auto loan from XXXX XXXX XXXXXXXX BALANCE : {$7300.00} These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being 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 # 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 2020-08-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

In XXXX two purchases were made on my credit card. They were In store purchases at 2 different  stores in my city where I live. Charges total {$630.00}. I disputed the charges as soon as I got an email with a charge on my credit card. My card had a XXXX balance. The dispute was denied because they said it was done in person and it was normal spending habits. We had to do our own research. Pull the receipts from home depot. On the receipts it shows a different drivers license than mine. I submitted the new information showing it wasnt my drivers license. Home depots policy is not to scan license when no credit card is available just to input a social security number. The thief had a fake ID in my name and my social security. License on the receipts do not match my license clearly showing fraud. Home Depot workers informed us they manually type in the drivers license #. They do not verify it it matches on the application. They choose to overlook that and denied it again. This time they said it was authorized by me because signatures matched. It was not me. They have not called. They were suppose to mail us the credit card application. Not sure how they can hold me responsible when I have proof I Didnt do it. License numbers do not match. Home Depots policy is dangerous for consumers who are victims of identity theft. They need to scan license to make sure they are real. If this was done this would of never of happened.
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: EQUIFAX, INC. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1986 CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX  XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports,  blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1986 CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX