davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number : XXXX, XXXX XXXX Account opened on XX/XX/XXXX under account number XXXX, XXXX XXXX XXXX XXXX account opened on XX/XX/XXXX under the account Number : XXXX, XXXX XXXX under account number XXXX, The XXXX XXXXXXXX XXXX under account number XXXX, XXXX XXXX XXXX  under account Number XXXX, XXXX XXXX  under account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX  under Account Number : XXXX, XXXX XXXX XXXX XXXX account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. 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 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. And the address XXXX XXXX XXXX XXXX which is associated with my credit profile needs to be removed and updated to XXXX XXXX XXXX, XXXX Oh. XXXX
Consumer complaint received 2017-11-22
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. (CT)

I recently submitted a complaint about transunion. They said they will send another dispute however they are not actually disputing fairly in accordance with the FCRA. I 've asked for the method of verification and they admitted to not actually verifying and if these laws are in place how are they allowed to continue to not follow them. I recorded a conversation with XXXX XXXX with her knowledge and she admits to not being able to verify 2 XXXX XXXX XXXX accounts that they are reporting on my credit report which is harmful to my credit. They are n't verifying the accuracy of these accounts. I do n't have any accounts with XXXX XXXX XXXX as I have never done business with them.
Consumer complaint received 2017-11-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Army and Air Force Exchange Service (MS)

My social security check has been garnished without any notice or allowing a chance to disputed. When I call frequently to ask about the debt I am told that is not the name on the debt. They are literally taking food out of my mouth without any remedy. This is very abusive and I do not understand how this can happen. Ive been a frequent victim of identify theft and when I try to explain that to them it falls on deaf ears. This is the US government doing this! I do not have any documentation for this but they still take my money every single month. I have requested information but was refused. This is a violation of my rights.
Consumer complaint received 2017-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

MY ATTORNEY RECOMMEND THAT XXXX XXXX XXXX DO A CREDIT ACCOUNT REVIEW ON XXXX  ONLY! AUDIT TRAILS AND PROFILE DATA IN CORRECTLY MATCHING CAPITAL ONE INFO. 

WHEN APPLIED FOR THE 2 CARDS THEY PULLED A 4-1 ON ALL 4 BUREAUS.
Consumer complaint received 2017-07-07
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. (OH)

My husband and I have started looking into a home mortgage and we discovered that I had a few unknown items/errors on my credit report. For this complaint the credit card closed and charged off is showing from XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX. This account shows as closed on XXXX/XXXX/2013. The balance showing owed/charged off is {$2700.00}. I have no knowledge or ownership of a credit card account from XXXX XXXX XXXX.
Consumer complaint received 2017-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX I filed a complaint against the credit bureaus concerning 2 public records on my credit file. The information is inaccurate and I request it to be verified but they were unable to and remove them, however they show back up on my credit report the following week which hurts my FICO score even more. These public records can not be verified and I request they be removed immediately. Under new law effective XX/XX/XXXX any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not udated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
Consumer complaint received 2017-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: JPMORGAN CHASE & CO. (IN)

I NEED CHASE TO DO A CREDIT REVIEW ON ALL MY ACCOUNTS IN DATA BASE ON XXXX CREDIT REPORTING HISSTORIES AND VERIFICATION OF PRPOER CREDIT FINANCIAL PROFILE.
Consumer complaint received 2023-06-09
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: Resurgent Capital Services L.P. (MI)

Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, LVNV FUNDING LLC used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. LVNV FUNDING LLC reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
Consumer complaint received 2017-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

Ref : Credit Freeze and related charges Equifax - Security Breech I was notified that my credit information was included in the Equifax Security Breech in XX/XX/XXXX of this year. It was '' recommended '' that I place a " Freeze '' on my credit line to ensure that my credit would not be impacted and to take their " Free '' one year credit monitoring program. This recommendation came from Equifax and I did take their recommendations. HOWEVER.. 

When I try to place a Freeze on my credit with the other two credit companies : IE : XXXX and XXXX - I 'm required to pay a " FEE '' to place a " credit freeze '' on my credit line with their companies. 

I feel that Equifax is responsible for these " additional charges '' due to the fact that the Breech of security was due to Equifax lack of the proper security on their computer system. Its their fault and NOT mine. Therefore ... and all charges related to placing a freeze on my credit line with the other two companies should be picked up by Equifax.. 

YES ... I understand Equifax have taken " some '' steps to help those who were caught unaware and involved.. BUT ... are " falling far short '' of their responsibilities and " covering/picking up '' the freeze charges from the other two credit companies. 

I have discussed this issue with Equifax and they simply state that is not their responsibility and they will not pay the " Freeze '' charges. 

I feel that the individuals who are caught up in the Equifax Security issue ... ( which is no way their creation but, now involved and at risk ) ... Should insist that Equifax pick up any additional charges that are involved with placing a Freeze on their credit line.. 

IF .... Their Ex-CEO ... can walk out of their company with XXXX XXXX - and take no responsibility.. is SIMPLY Wrong .... 

I want to see something done ... ... and for Equifax to step up to the plate and take full responsibility ... and cover those involved with the security breech. 

By not contacting each individual who " could be '' impacted by the breech ... and not automatically placing " Freezes '' on the credit lines for those involved ... and only doing so ... when a individual contacts them ... is simply wrong ... They are not " Protecting their Clients '' nor stepping up to take full responsibility ... 

Many people are still un-protected..from possible fraud.. 

What can be done???? Better Yet ... .. What will be done..???
Consumer complaint received 2017-11-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

In XX/XX/XXXX after federal Government agencies investigated XXXX XXXX XXXX use of the XX/XX/XXXX-XX/XX/XXXX TARP Money, XXXX XXXX XXXX, finally modified my home loan. I believed the loan to have certain guide lines that may have been violated during the transfer. Including and not limited to deferred balance forgiveness of the amount of XXXX and a fixed interest rate after seven years. XXXX  XXXX XXXX sold my modified loan to Carrington on XX/XX/XXXX which is the 7 year mark. Carrington sent me a mortgage statements due on XX/XX/XXXX for XXXX with a fix interest of XXXX. 20 day later they send another statement for the XX/XX/XXXX for XXXX with a variable rate of XXXX. I am confusing and now I have two mortgage payments to make when I was previously stated one. See attached original statement. This is going to cause a hardship. Such practices needs to be audited to ensure consumer protection. 

Also Carrington failed to send a letter 15 days prior to the transferance of the loan. 

I want the public and banks to be aware that XXXX XXXX XXXX may be dumping modified loans in an attempt to not fulfill promise to the public. As i am suspicious that my loan was sold the very day that my loan was supposed to be a fix rate and that the deferred debt forgiveness did not take place.
Consumer complaint received 2017-11-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: BB&T CORPORATION (CA)

I have setup autopay with XXXX XXXX. XXXX XXXX, recently transferred their loans to XXXX XXXX and I had to figure this out on my own before I could make payments. Unfortunately, I have been delinquent for over 30 days since I did not know my autopay has been terminated. 

I have only received one letter from XXXX XXXX on XX/XX/2017 and two phone calls ( last week and XX/XX/XXXX ) with no description of their service other than to call a number.
Consumer complaint received 2017-11-22
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (FL)

My prepaid skylight one card was stolen on XX/X/17. Using my card from {$1100.00} down to roughly {$100.00} using all signature purchases. I filed a dispute and they are refusing to give me my hard earn money back.
Consumer complaint received 2017-11-21
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. (LA)

All inquires on report with XX/XX/XXXX.
Any inquires on report with inquiry XX/XX/XXXX. 
I have contacted the companies listed on my credit report. The companies deny any knowledge of the inquires that were performed. The companies stated that I should contact the credit reporting agency and notify them on inaccurate information. I did not notify Transunion but they stated that I would have to contact the companies directly. The information is not accurate.
Consumer complaint received 2017-11-21
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 sent in numerous information that proves an account on my credit report is not mine. Everytime i call them they change their story staying they have n't received it to " oh yeah we did receive it but it has n't been review yet. this was over a month ago. They constantly change their story and do not give me a straight answer. Ive been recording every call wit them proving that the are lying. I demand that they take all collection account off my report as I proved that all of them are not mine.
Consumer complaint received 2017-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XXXX XXXX, 2017 I contact XXXX, XXXX, and TransUnion concerning collection items that were reporting on my credit file that were not mine. That resulted in a few of those items being removed from my report but not others. There are only 2 items that should be reporting on my credit as a collection item and that was the 2 XXXX XXXX credit cards that I used to have. I have been in contact with the 2 collection companies and making payments to pay off those collection items. Everything else is not accurate and I requested copies of their verification process and information gained in their investigations to be mailed to me so that I may follow up to have these things removed. I submitted disputes with all 3 credit bureaus on XXXX XXXX, XXXX XXXX, and XXXX XXXX and since XXXX XXXX I have not heard any further correspondence regarding this matter. I have a right to know why these credit bureaus are reporting information on my credit file that does not belong to me and why they refuse to remove it.
Consumer complaint received 2017-08-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Blackhawk Network Holdings Inc. (CA)

My complaint is against Blackhawk, which runs the reloadit.com site. Blackhawk blocked my access to my " Reloadit Safe, '' which had {$1000.00} in it when they locked me out of it in late 2015. I have contacted Blackhawk through their XXXX number at least 6 different times, and each time they claim I will have my money within 3-5 business days and provide a " case number '' that begins XXXX with 7 digits after. Last 2 I have ( beginning with today 's ) are XXXX and XXXX. 

My account number for the reloadit.com site is same as my email. XXXX I need my {$1000.00} back immediately.
Consumer complaint received 2017-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NM)

On XXXX XXXX, 2017 I cancelled this loan transaction under the Truth In Lending Act. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX ignored my written requests to close the account even though I sent them via certified mail signature receipt the written and signed " notice of right to cancel '' which they indeed signed for. They are continuing to harass me over this and report it on my credit report even though I have formally disputed it. The cancellation of this account was recorded in XXXX County,  New Mexico and I can provide supportive documents upon request.
Consumer complaint received 2017-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

this is a re-occurring problem. I made my original complaint # XXXX filed on XX/XX/XXXX. to review I was trying to get {$20.00} from my XXXX XXXX XXXX credit card from an ATM owned and operated by citizens bank which I have a banking account with and has had one with them for 50 yrs. anyway I went to the citizens bank atm machine onXX/XX/XXXX to get the {$20.00} and the atm said the action selected is not available at this time. please retry. so I tried again and I got an answer from the atm the available balance exceeds the available balance. so I went to the bank manager XXXX XXXX who told me he has no control over the atm. I was told by XXXX XXXX XXXX that citizens took the money even though they were made aware that I never to the money. XXXX XXXX XXXX says there is nothing they can do. citizens bank refuses to give me money they stole from me. somewhere the books at citizens bank should not have balance and that is why I say they stole the money from me. they have the money and wo n't give it back. it is STEALING. I got a call from citizens bank on XX/XX/XXXX about the original complaint to you and they still refuse to give me the money. they said I have to get the money from XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX told me I have to get it from citizens. well I think citizens bank should give me money they should never have stolen in the first place.
Consumer complaint received 2023-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (AL)

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed, and debt validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ), this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the FCRA Violation of the FDCPA Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this debt validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. 

This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. Your office failed to respond to this debt validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report, and a copy of such deletion request shall be sent to me immediatelyPlease provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector.

Complete accounting of alleged debt.

Commission for debt collector if collection efforts are successful.
Consumer complaint received 2017-11-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

Robo calls sometines as much as 6 to 8 times a times a day XXXX ( XXXX ) XXXX, constant spoofed numbers XXXX ( XXXX ) XXXX,,,, those are some of there numbers with same area code as mine it says XXXX XXXX. I believe it is debt collector and I am on the do not call list. Thank you. 
XXXX XXXX
Consumer complaint received 2023-07-18
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. (NC)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.