davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Early Warning Services, LLC (NC)

To Whom It May Concern, I attempted to open a business account in XX/XX/XXXX and was declined by several financial institutions. In addition my personal accounts were also shut down after several years of banking by personal banking institution, XXXX, as something from EWS popped up in conjunction with the opening of a business account. 

It was a nightmare, and occurred at what was meant to be a happy time - starting a business. 

I was advised by XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX  XXXX, NC XXXX in XX/XX/XXXX that I needed to clear the item before they would open the account. I disputed the XXXX item ( CFPB ref XXXX ) and it was cleared. 

During this time I was also advised by another financial institution that there was an adverse XXXX  reporting from XXXX  XXXX XXXX. 
I was advised by XXXX  XXXX XXXX - Address : XXXX XXXX XXXX, XXXX, NC XXXX that as long as I paid {$300.00} that " the item would be removed and I should have no issue opening a new account as long as everything else was cleared ''. This was after the branch supervisor/manager reached out to collections/recovery to provide an understanding of what the item was for. I paid the {$300.00} on XX/XX/XXXX and was then able to new accounts with XXXX XXXX XXXX XXXX XXXX. 

My small business has been expanding over the last 5 months and I have a need to work with a larger bank who offers expanded business banking products. I just attempted to open a new business account with XXXX  XXXX XXXX and XXXX XXXX on XX/XX/XXXX and was once again declined. 

This is getting ridiculous at this point. 
1. This nonsense is crippling a small business owner from starting out on the right foot. 
2. The transparency around EWS and banking decisions to close and not open accounts is horrendous. 
3. The lack of consumer knowledge around who and what EWS does is very evident.
Consumer complaint received 2018-06-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are requested to : *promptly delete all information which can not be verified* that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2018-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Midwest Recovery Systems (OH)

Midwest Recovery Services, are representing " XXXX XXXX XXXX, and they are putting Short Term Loans Accounts, as Medical/Health Accounts, on Credit Reports. '' I tried to call them and got an agent on the line, and our conversation turned into an argument.
Consumer complaint received 2018-06-13
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: Phoenix Financial Services LLC (TX)

I submitted a claim through CFPB last month and the company responded that the disputed information is not being reported on my credit and it is in fact sill being reported on my credit. 
PHOENIX FINANCIAL SE is reporting a debt owed to the Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX that has already been deleted from my credit file previously. The statement attached shows that I have a {$0.00} balance with the original creditor it is against regulations for the credit reporting agency to allow anyone to try to collect on a debt that does not exist.. 


Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-14
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. (DE)

I have a few accounts on my credit file that are not mine and I am not responsible for and/or payments made on time. Please see the following : 1. XXXX XXXX ( {$1300.00} ) balance reflected. This is not my account and I do not owe anything to this company.

2. XXXX XXXX XXXX XXXX ( {$370.00} ). This account has been fully paid as agreed. I have never been late and account was paid in full.

3. XXXX XXXX XXXX XXXX ( {$0.00} ). This account shows a history of late payments, but I always paid on time.
Consumer complaint received 2016-06-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

After several years of contracting state liability insurance from an independant agent for XXXX XXXX insurance I decided to change companies as the new one gave me a better rate. I notified the Agent `s office and told them I was cancelling and going with another company thus my prepaid amount they had just deducted from my bank account via debit card should be refunded. Once before I`d done this but saw they started taking money from my account without my authorization. When I tried contacting the agent his phone was unanswered. I contacted the XXXX number for XXXX XXXX to inquire as to how this could be happening. XXXX XXXX said they had no such agent listed .... so I changed my debit card again and wanted to know the name of my new agent. I was told they couldn`t tell me his name ... Why I ask ... well we don`t know who will be assigned yet ... If I have any claims I can call the XXXX number ... ok ... never heard of an Insurance company not knowing who the alternate agent would be before? XX/XX/2015 this started all over again ... I contacted my banks credit card division and explained this once again, credit was issued on trial basis to lend time to check it out. I recieved two subsequent letters. the first acknowledging my case and later a remittance only giving partial credit for some of the monies deducted? when I called again I was again recorded and gave a similar deposition but I wanted an explanation as to why only the " last 60 days of their fraud was being acknowledged? Once I used these terms .... fraud I immediately " threatened with - if I continue with this terminology the`ll turn this over to their legal dept! ... XXXX ... I THOUGHT THAT`S WHO I WAS TALKING TO! Next I was 20 questioned as to my past " Moral Turpitude " Where had I lived out of all these addresses for 30 years ... was I the same person as having this account ... so on and so forth .... Answering all their questions was demoralizing to say the least as now I was felling like I`d been the one getting something that did not belong to me. XXXX ... Is it just me or did i get scammed again including by the bank .... I think absolutely so.
Consumer complaint received 2015-09-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I opened a checking account with Capital One 360 and got a debit card from them in advance of a 6XXXXmonth trip to XXXX. I informed them of my travel dates and destinations. They gave me a non-XXXX phone number to call collect from overseas in case I had a problem. After XXXX weeks, they froze my card. But when I tried to call the customer service number, I found that no matter what time of day I called, I could reach only an automated voice menu, with no options corresponding to my problem. The phone number they gave me is simply not staffed by any customer service representatives at all. Of course, there was no way to reach their XXXX number from overseas. So I looked on the website for other contact options. They were limited to fax and postal mail - no other phone numbers, no electronic contact options. So, I sent them a fax. They confirmed receipt of the fax in an email, but have not replied to my reply ( I 've now been without the use of this card for three weeks ) and the issue is still not resolved. So : no customer service options for people using the Capital One 360 debit card overseas.
Consumer complaint received 2024-08-29
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. (SC)

On XX/XX/year> I mailed a letter opting out of said companies reporting personal information to third-party companies such as credit bureaus, and other non-affiliated companies. I am making this complaint because I have gotten no response/effort from the company to comply with my request. In accordance with the fair credit reporting act, This creditor has violated my rights under 15 USC 1681section 602 states I have the right to privacy 15 USC 1681section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I have a few accounts on my credit file that are not mine and I am not responsible for and/or payments made on time. Please see the following : 1. XXXX XXXX ( {$1300.00} ) balance reflected. This is not my account and I do not owe anything to this company.

2. XXXX XXXX XXXX XXXX ( {$370.00} ). This account has been fully paid as agreed. I have never been late and account was paid in full.

3. XXXX XXXX XXXX XXXX ( {$0.00} ). This account shows a history of late payments, but I always paid on time.
Consumer complaint received 2018-06-18
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)

Experian Report # XXXX XX/XX/18 Experian has on my credit report XXXX XXXX as a debt owed and should not be showing on my credit report. 

attached is a copy that was file to the consumer financial protection bureau and a letter from XXXX XXXX as to the debt has been requested for removal and should not be showing
Consumer complaint received 2018-06-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (FL)

I began disputing this entry with XXXX as it is reflected on my XXXX  credit report. For the last year, this company has denied that they have any account with my information attached to it. This is ludacrous. Why then is there an entry reflected on my report? I have never opened an AMEX nor XXXX 's account. This account is fraudulent and should not be reflected on my credit report. 

Being that XXXX by phone and in writing has stated they have no records with this account information or can't provide any documentation to substantiate what they are reporting, the entry must be DELETED! I am prepared to hire an attorney as it seems that the company does not want to cooperate with my requests and this account is continuing to report on my credit. 

This account does not belong to me, was fraudulently opened and therefore I am demanding that it be deleted!
Consumer complaint received 2018-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CA)

In XX/XX/2018, I got a notification from XXXX XXXX about a change in my Synchrony Bank Account for Sleep number, the note stated the account had been closed. I called the bank and they informed me that my co-signer had filed for bankruptcy and the account was affected. I tried to fix the issue and offered to pay the account, but they said that because the account was a joint account it had to be closed due to one of us filing for bankruptcy. After my cousins case was closed and his accounts charged off, I got a new credit alert saying my credit score dropped due to negative remarks, once again I tried calling the bank on XX/XX/XXXX, with no resolution. The bank said that I could pay off the balance, but the account would still have a negative remark. I did not file for bankruptcy and the account was closed even when I tried to negotiate with the bank, and now my score is negatively affected.
Consumer complaint received 2018-05-10
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. (TX)

XXXX XXXX XXXX XXXX XXXX has me listed on my credit report as being Late in XX/XX/XXXX. My payments for XX/XX/XXXX, were {$87.00} For my loan and {$88.00} For my credit card. I paid {$200.00} on the loan and, {$160.00} on the credit card, but yet on all 3 credit reports, it has my XX/XX/XXXX payment for my Loan and Credit Card as late for XX/XX/XXXX. I have called the XXXX XXXX XXXX XXXX repeatedly, and disputed the error, I have emailed them to their company as requested " XXXX " and have gotten no response to the emails, and rude, offensive customer service, regarding my complaint. When I call. I have also called, XXXX, Transunion, and XXXX. Neither XXXX XXXX XXXX XXXX XXXX, XXXX, Transunion, nor XXXX have correcited this on my credit report. I have disputed this 5 times with each, with no correction.
Consumer complaint received 2018-05-10
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. (IL)

After sending information to verify myself with my disputes, as of XX/XX/XXXX the CRAs have not investigated or responded to the following issues on my credit report at all. They have violated the FCRA 30-day-to-respond regulation. The creditors have attempted no contact with me resulting from said investigations. If I must, I will take legal action but I want to create a paper trail. Please see items below ACCOUNTS XXXX XXXX not mine XXXX XXXX XXXX not mine INQUIRIES XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} not mine XXXX XXXX {$110.00} not mine XXXX XXXX {$350.00} not mine
Consumer complaint received 2018-05-10
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. (FL)

TODAYS DATE:XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX 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 XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2018-05-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Colony Brands, Inc. (TX)

I received a notification today that a collection was added to my credit report in the amount of {$240.00} I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports.
Consumer complaint received 2018-05-10
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: Fidelity National Information Services, Inc. (FNIS) (NJ)

I XXXX XXXX ; XXXX reserve all of my unalienable rights forever and always. I never had a XXXX XXXX account of any kind. XXXX XXXX is saying that I do. My identity was stolen and an account opened in my name without my knowledge or consent.XXXX XXXX does not have my consent to report any of my private information with any person or any company. XXXX XXXX may only communicate with me in writing.
Consumer complaint received 2018-09-03
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC (NY)

When I noticed a collection from Ability Recovery Services I immediately called them. I have no idea what they are collecting for they told me that I signed up with a company but never got any paperwork what they are collecting for or anything which seems to be mine. I called them again and still haven't gotten anything back. The amount they are collecting does not add up.
Consumer complaint received 2018-06-14
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (FL)

I currently have 2 accts with mohela student loans that are currently in active and in good standing. On my credit reports it shows late remarks from XX/XX/XXXX through XX/XX/XXXX. I was in a forbearance at that time, due to a tragic accident that my wife was in and she passed away and she happens to be the mother of my XXXX year old daughter so I'm currently raising her all by myself and during that time period I was offered a forbearance on my loans and I was advised that it wouldn't have any negative effects on my credit report. Well now I notice the company was reporting late payments during those time periods which is hindering alot of financial things in my life. Its stopping me from getting a promotion at work which would substantially increase my salary by approximately {$1200.00} a month, my car insurance is higher than it could be, and I'm also in the middle of trying to close on a mortgage and it's not giving me the opportunity of a prime interest rate. So this is costing me about {$1700.00} dollars more per month, all while im trying to raise a XXXX year old all by myself in a good structured environment and living situation. Somebody please help me as this matter is time sensitive so that I can close on my mortgage prior to my XXXX year old starting XXXX in XXXX which she is very excited about. This would help substantially towards helping a XXXX year olds living situation alot better if this can be corrected quickly. Thank you and XXXX bless
Consumer complaint received 2018-06-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

In XXXX of XXXX I fell behind in payments as a result of a divorce and reached out to Wells Fargo to advise even though my wife at the time had missed payments. Through some hard work and careful planning we were successful in selling our home in a standard sale on XX/XX/XXXX. Although we sold our home and made Wells Fargo whole, Wells Fargo is reporting on my credit report that they foreclosed on my home. The process in California to foreclose is as follows : Prior to foreclosing on a home a lender must record a Notice of Default. The Notice must remain in place for three months after which time the lender can record a Notice of Trustee Sale which can take place at public auction in no less than twenty-one days. The Notice of Default was  recorded on XX/XX/XXXX and Wells Fargo was paid in full on XX/XX/XXXX. The payoff occurred through a standard sale, Wells Fargo did not foreclose and at the time was not legally able to foreclose since the Notice of Default period had not elapsed.

This is yet another systematic failure for Wells Fargo. Wells Fargo knows they have reported foreclosures erroneously for me and several thousand other borrowers. This should be dealt with immediately and with the full force of the law. This is a shameful practice. this issue has resulted in me being rejected for credit and has caused me to pay more in interest for the credit that was granted to me.
Consumer complaint received 2023-04-09
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. (OH)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!