davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Complaint # XXXX Company responded XX/XX/year> XXXX card did not address the issue of removing the Account as stated to there reponse. 

I did not apply for this account It's Clear by them to the reply by XXXX 

XXXX never address the issue with information place on my credit file of removal. 

I never open applied or ask for a discover account nor applied or sign any contract for this car. 

This is no duplicate of what I said or respond to
Consumer complaint received 2024-09-17
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (CA)

I had my identity stolen in XXXX - after reporting it and freezing my credit I started the process of closing and removing all the fraud accounts. After 3 years Citibank is still refusing to remove this fraudulent account from my credit. For the first year I could not even get anyone at Citibank to even talk to me about this loan and no one was able to even verify it excited. The loan had been sent to a fraudulent bank account which Citibank did close however they never sent me documents I requested stating the fraudulent accounts were being closed. I was able to stop the car loan they were processing however this personal loan has been a never ending issue. After opening a dispute through my credit report and having Citibank close it and claim the loan is mine, I called and spoke to customer service who said no dispute had been opened and that I should open another one. I have only received run around and nonsense, they are trying to make it so I take responsibility for a fraud loan because that will be the only way to make this go away, which is completely unacceptable. When I open the claim 3 years ago I sent them all the files and theft ID notices they asked for, now they are saying they have no recored of anything from me. After all these years I do not have access to everything I did when this first started. Seems like all they care about is forcing me to take responibilty for something I didn't do. I will once again start this whole process with Citibank but it's going to be just wasting more of my time and dealing with customer service who doesn't know how to help me. The most annoying thing is they got rid of everything else yet the loan and went into the fraud account is somehow still floating around, mainly because no one would help me out 3 years ago when this all started.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

Im submitting a complaint to the credit Bureaus today to inform that I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I received notice on XX/XX/scrub>XXXX XXXX  that someone tried to open up a credit card in my name and social security, which caused an alert of an inquiry on my credit report. 
They first tried on XX/XX/scrub>XXXX XXXX 
I have a credit score of XXXX plus and this has dropped my credit score. 
Please delete the inquiries ASAP.
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: Experian Information Solutions Inc. (MD)

I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

I am writing to formally complain about the unresolved fraudulent account associated with my name and Social Security number, despite my repeated efforts to address this issue. 

Recently, XXXX XXXX was found guilty of money laundering {$3.00} XXXX, raising serious concerns about the integrity of accounts linked to their services. I have submitted a fraud affidavit, which includes the Social Security number, name, and date of birth of the individual who opened the account fraudulently in XXXX. 

Additionally, I have faxed 11 police reports related to XXXX XXXX XXXXnd identity theft incidents from XXXX to XXXX. I have provided this documentation to XXXX  fraud investigation department at XXXX, along with an identity theft report specifically for this account. 

Despite contacting and speaking with the fraud department four times, as well as filing three complaints/disputes through the Consumer Financial Protection Bureau XXXX CFPB ), XXXX has yet to remove this fraudulent account from my credit report. The last payment on this account was made in XX/XX/XXXX, nearly six years ago. 

Given these circumstances, I request immediate action to rectify this situation. Please confirm the receipt of this complaint and provide an update on the status of my case.
Consumer complaint received 2024-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Subject : Urgent Request for Action Against TransUnion for FCRA Violations and Improper Bankruptcy Reporting Dear CFPB, I am writing to request urgent assistance with a matter concerning TransUnions repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ). I have disputed an incorrect bankruptcy record on my credit report XXXX times, and TransUnion has consistently failed to conduct a proper investigation. Instead, they appear to be reusing the same results from previous disputes without investigating my claim as required by law. 

Here is a brief summary of the timeline : - XX/XX/year> : I submitted my initial dispute regarding the incorrect bankruptcy information. TransUnion claimed to have investigated the matter, but the record remained unchanged. 
- XX/XX/year> : I disputed the same item again. On XX/XX/year>, I received an email from TransUnion stating that they investigated the record and found no changes. The investigation was completed in less than 12 hours, which strongly suggests they reused the same results from the previous dispute without performing a legitimate investigation. 
- XX/XX/year> : I filed a third dispute. By XX/XX/year>, I received an emailsent at XXXXXXXX XXXXstating that the public record remained unchanged. Once again, no proper investigation was conducted. 

This bankruptcy record does not belong to me, and despite my repeated disputes, TransUnion has failed to take the necessary steps to verify and correct this inaccurate information. 

Under the FCRA, TransUnion is required to conduct a reasonable investigation when a consumer disputes information on their credit report ( 15 U.S.C. 1681i ). XXXX practice of using previous investigation results without properly reviewing my claim constitutes a violation of the law. Additionally, under the FCRA, they are obligated to notify the source of the information and review all relevant evidence I have provided, which they have not done in my case. 

I have also requested in writing that they provide the method and procedures they used to investigate my dispute, but they have failed to respond appropriately. 

I am seeking your assistance in holding TransUnion accountable for their ongoing violations and ensuring that this incorrect public record is removed from my report. If no action is taken, I am prepared to pursue legal remedies to protect my rights and rectify this situation. 

Thank you for your time and attention to this matter. I look forward to your support in resolving this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PENTAGON FEDERAL CREDIT UNION (NC)

Credit line reduced causing adverse and detriment to my credit. 

Original credit line was {$9000.00} as of XXXX XXXX, 2024 Utilization was approximately XXXX XXXX PenFed took action without notifying me after this date. 
Current credit line reduced to {$7300.00} Subsequent Utilization now reflects XXXX XXXX usage. 

Phone call onXX/XX/2024 to PenFed XXXX Information gathered : Agent told the customer the reason action was taken was due to inactivity on the card. 

Requesting the original credit line be restored was unsuccessful. 
Agent/representative informed me that no customer could request an increase at this time. 
Agent also acknowledged the harm and damage caused to my credit. Encouraged me to open another credit card instead of resolving my issue. 

Agent was unwilling to prevent damage to my credit as reflected by the higher utilization. He acknowledges the company has harmed me. 
Information regarding compliance to USC code was requested but never sent to me.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-09-17
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Mr. Cooper Group Inc. (MD)

In the process of purchasing a home my appraisal was for XXXX parcels but my loan documents and deeds only include XXXX parcels. I am paying for XXXX XXXX  XXXX acres of land but I only have deeds for XXXX sq ft. I have tried reaching out to loan servicer but I have not been able to speak to a live person. I have only been offered a chat line. 
The chat person does not understand what I am saying. 
The seller thinks the XXXX acres that was appraised with my home belongs to her and is planning to build on it very soon. I need this cleared up as soon as possible.
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: Experian Information Solutions Inc. (MI)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-09-17
Product: Credit reporting 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. (MO)

I never gave any written consent to furnace my information to no company. And for all the charge- offs I'd your charged something off there can't be a balance and theses things are in accurate and I want them all removed and send me the steps to correct this
Consumer complaint received 2024-09-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (SC)

Employment scam in early XX/XX/year>. The scammers had me set up an account where I performed XXXX XXXX that would generate income for them and me. My income was being stored in an account that grew as I performed the tasks. Then, I encountered a task where my account was brought into deficit and I needed to deposit my own money to bring it back up to positive and continue. The scammers instructed me to purchase bitcoin through Coinbase, then deliver that bitcoin to XXXX, where it could be converted to XXXX. From my XXXX  account, the XXXX was sent to the scammers accounts. This process repeated until I had sent them nearly $ XXXX worth.
Consumer complaint received 2024-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IN)

Hi I'm banking with chase. So my uncle was giving me his XXXX paychecks for me to deposit and XXXX go through but XXXX isn't. The a few day later my account is locked down and they said that I need to call them for fund verification. They ask me for my uncle number and I did give it to them but they said it was not the correct number even when it is the only phone number that he has used and in his bank aacount setting for main contact phone number. I also ask them if I can do this in person and they said no. They have no other option than calling my uncle. I still have the check with me because I deposit the check through online app.
Consumer complaint received 2024-09-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

My insurance wasn't paid on time XXXX. I didn't find out till XX/XX/XXXX. In that year we had strong storms and My XXXX  came down and I placed a patch over the XXXX  in the XXXX. So I could finish saving money up for a new XXXX. Something in XXXX I found out my insurance was cancelled. So I tried to get the insurance back on the the house. I XX/XX/XXXX I was contacted by the insurance company that they can't insure the house. Do to the XXXX XXXX  on the XXXX.So I tried to get XXXX  contractors out. I was told because of XXXX nobody come out. So I started to repair the XXXX  myself. It's been a XXXX XXXX of problems after problems. So I went to fifth third banking for help.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights ; under 15 U.S.C 1681 section 602 states I have the right to privacy. 15 U.S.C 1681 section 604A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

I am writing to express my concern over inquiries that have been reported under my name, which I did not authorize. These inquiries were not conducted by me, and I did not give any companies permission to report them. I am uncertain how this happened, and I request a thorough investigation to clarify this matter.
Consumer complaint received 2024-09-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: U.S. BANCORP (MO)

This company refuses to pass this complaint into FTC or OCC. However, US Bank refuses to accept my endorsement. This complaint with the original documents to my mortgage keeps getting close whenever I upload my original documents to my mortgage because US Bank has add false documents to the file. This account needs to be closed and reported as paid in full to the credit bureau. As it has been because if you can't except my signed endorsements the company shouldn't be excepting my cash either than that really doesn't carry any value for real anyway as both are considered negotiable instruments anyway right
Consumer complaint received 2024-10-16
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. (PA)

It was completely shocking to see inaccurate accounts appear on my credit report today. I have no idea where these discrepancies came from, as I regularly check my credit report and never had issues before. I refreshed my browser, hoping it was just a glitch, but the wrong information remained. Because of this, Im requesting a thorough review of the documents Ive submitted to ensure I dont have to deal with this XXXX  again.
Consumer complaint received 2024-09-17
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (CA)

Over the last month, I have now requested statements for XXXX through XXXX of last year for my amazon synchrony card several times now but to no avail.

Each time, I either login to the website and select on request past e-statments and also request them through the rep. Each time I'm told statements will be sent to me and nothing is sent and I keep requesting this synchrony over and over again.. No one can explain why my previous requests weren't fulfilled. For any phone contact please one call me at XXXX between the hours of XXXX XXXX, any other time is inconvenient I need these statements to file my taxes. I am requesting that synchrony resolve this matter asap.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Debt Recovery Solutions, LLC (OH)

Asked this company for original documentation copies to be sent to me to prove why they have this acct which on my credit report shows paid in full and closed.section 609 of the fcra requires 100 % verified if you can not then it must be removed.they refused .this is on my credit report and it is false info.this company DRS debt recovery solutions has no documentation .therefore it is not allowed to be reported as false info.if acct is showing paid on credit report a debt collector using XXXX different names also use huntington debt holding as other name cant do that.i told them that.
Consumer complaint received 2024-09-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (CA)

COMENITYCAPITALBANK/XXXX XXXX {$820.00} - opened XX/XX/2017 I have tried to dispute this debt with the company several times. They have not responded to any of my request
Consumer complaint received 2024-09-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PA)

I was looking to buy tickets to a local convention. The door price was significantly higher than the online price but I missed the window to purchase tickets. I went to the conventions XXXX page and found someone selling tickets in the comments. They reached out to me via XXXX ( XXXX XXXX app ). They gave me an excuse that they couldn't make it to the convention because she broke her leg or something like that. I checked her XXXX profile to make sure she was real. She appeared to be real so I went ahead with the purchase. The seller asked if I could pay using Venmo which I don't have so I suggested using PayPal which she agreed to. She told me to send using the friends and family option and not the other service option that would have protected my purchase. I found this odd so I told the seller I didn't mind paying an additional service fee that would protect my account. The seller told me that instead of having me waste money that she could send me XXXX ticket at a time to verify that it was real. So she sent it to me and it appeared real. I then agreed to buy the XXXX tickets for XXXX dollars each. When I went to go send the money I noticed it was translating my money ( USD ) TO ( PHP ). I asked the seller about this and she said it was going to her XXXX 's account. I took the risk. I was emailed both tickets from the seller 's email XXXX. They looked real and had both my XXXX 's name and my name on them. I took them to the convention the next day and they couldn't find them in their system. I went to go message the seller about the issue and found out they blocked me from contacting them. So I lost XXXX + XXXX dollar international fee. So I was scammed out of XXXX dollars. I just want that money back. I have all the messages and emails from the seller to prove the case if needed. Thank you, XXXX
Consumer complaint received 2024-09-17
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC. (NY)

I am a victim of identity theft. This vehicle loan does not below to me. Please remove this account from all 3 of my credit bureaus. If you can not provide me with proof showing this loan was applied and used by me please delete this. I never signed any contract, or took out this loan.