davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-06
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. (PA)

I have sent proper documentation to each credit bureau about a bankruptcy reporting that is displaying inaccurate, incomplete information. I sent copies of all 3 credit bureaus side by side showing the inaccuracies. You must have a financial amount paid/owed/discharged on a bankruptcy. You must have the correct date of discharged and correct filing dates and all accounts under the bankruptcy that were discharged and the amounts. The credit bureaus failed show this information. The also must have the correct account number and name of the court. They failed to display accurate and complete information that coincides with each other. I showed them that they are reporting differently on each report and they have still not removed the inaccurate information from my credit profile, which is a direct violation of my rights as a consumer.
Consumer complaint received 2020-12-05
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: GUARANTEED RATE INC. (CT)

For the last few months I have been searching for a home. I am XXXX & on a fixed income. I know how important my credit score is. I was on CHFA site looking through their 70 + approved lenders as Ive done many times. On the XX/XX/XXXX XXXX XXXX pulled my credit report. No name showed up for well over a week. When it did it had no information who they were. I had to research and find them. When I did, XXXX XXXX said that Guaranteed Rate had them pull my report. XXXX from XXXX XXXX said to remove it I had to get permission in writing from Guaranteed Rate. XXXX gave me their number. When I spoke to Guaranteed Rate they said their policy is I have to get it in writing from XXXX XXXX. I said that makes no sense. You ordered it. Theyre the 3rd party. Youre both saying the same thing thats ridiculous. He just kept saying thats his policy. He also said I probably clicked on one of the boxes that has really tiny writing next to it that gives them permission to run my credit ( anyone see whats wrong w/that but me? ). I said even after you all ran my credit no one from your company reached out to me as if you were providing me a service. I got no mortgage rates, no follow through, nothing. Why would I want to lower my credit score & waste my time that makes no sense for someone working to build up and buy a home.
Consumer complaint received 2020-11-30
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. (OH)

On XX/XX/2020 I sent a letter regarding in accurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet so my concern seems not a priority. I feel as though Im being taken advantage of as well as ignored of my disputes. Section 611 ( a ), it plainly states that the Failure to investigate these items within 30 days gives a reason to immediately remove these from my credit report its been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XX/XX/XXXX data breach and may have gotten into the wrong hands.
Consumer complaint received 2020-12-07
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. (MI)

I previously filed a complaint with TransUnion that XXXX & XXXX are reporting inaccurate information complaint # XXXX. Incredibly and clearly wrong, TransUnion claimed I disputed the XXXX XXXX & XXXX 's accounts before, that my dispute is identical and I have not provided additional information.This is not true and proves TransUnion NEVER looked at the documents I provided, never conducted the proper investigation if any investigation at all and flat out lied. I provided TransUnion with documents directly from the IRS confirming both XXXX and XXXX filed a 1099 form _ Cancellation of Debt, for the accounts I have disputed, way back in XXXX. Without ever updating the way those debts are being reported to TransUnion, XXXX or XXXX. Both XXXX and XXXX lied in all my previous disputes by not properly updating these accounts with the credit bureaus. The 1099 cancellation of debt form is unchallengeable as it has been filed, the IRS has the record this is a fact that is impossible to deny without lying. I am again attaching the proof. Additionally, XXXX had to issue me checks to reimburse for overcharging me on interest from XXXX to XXXX. Meaning again the balance XXXX was reporting and continually verifying as accurate, by their own omission was NOT accurate.
Consumer complaint received 2020-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

On XXXX XXXX I purchased {$400.00} worth of gift cards from XXXX XXXX company. While recently reviewing my credit card charges, I saw a charge for XXXX XXXX on the same line as the XXXX XXXX charge. When I contacted XXXX XXXX company, there response was that Capital One had made the mistake. 
Ive never flown on XXXX XXXX and do not want them to have my personal information due to the fact that I do not trust the Communists XXXX government. 
I have not received any kind of explanation from Capital One.
Consumer complaint received 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2020-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge 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: DISCOVER BANK (GA)

A security deposit was taken from my credit card for a car bidding website. The merchant falsely accused me of bidding on and winning a car on my account to keep my security deposit. I never bid on the car they company said that I did. When I contacted the company they told me lies and refused to give me a refund. My bank said that I have to get the merchant to agree that I get a refund so they disapproved my dispute.
Consumer complaint received 2020-12-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (FL)

I have asked target to remove this account from my credit report. I have never asked to be an authorized user on a target card nor have I ever used one. This is fraud! Target sent a letter stating they couldnt find me on an account. However XXXX  has refused to remove this account from my credit report.
Consumer complaint received 2020-12-05
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

Kohl 's has not provided a signed credit card agreement. Where is the SIGNED credit card agreement. Stop sending documents that have not requested. 
Why is Kohl 's not noting on the account that is in a billing dispute and the company still continues to charge interest on an UNVERIFIED account and report it erroneously to the credit bureau. 
Kohls Bill Disputes : I DO NOT owe the balance of {$750.00} as of XX/XX/XXXX or any other updated balance that Kohls currently alleges I owe for Account Number : XXXX due to the aforementioned and the following : KOHL 's does not mostly have US phone representativesanswering their phone calls. At least, that has not been my experience. I provided a phone call log with over 12 reps ( of the ones that are logged ) and only two of them were from the US and I only reached them because I had to requestthem after being transferred around, stalled and hung up on from outsourcedcustomer reps. 
Capital One N.A. ( Kohl 's ) has been reported to have moved most of their call center rep jobs overseas and cut American worker jobs. In the wake, I don't understandmost of thecustomerreps I reach and have not receivedadequate servicing in trying to resolve the alleged balance that Kohl 's Capital One N.A. has attempted to attribute to me. 

Kohl 's HAS STILL NOT PROVIDED a SIGNED contract that has been requested several times on the several phone calls listed on the XXXX previous complaint I submitted to CFPB. Kohl 's has only provided a card agreement which is NOT a signed contract. 
KOHL 's continues to falsely report unverified non contractual balances to the credit bureau whenit still has not provided a signed contract. 


KOHL 's, Kohl 's Inc. ( associated with Capital One N.A. ) needs to provide an authorized SIGNED contract. They STILL have not provided one as of XX/XX/XXXX and XX/XX/XXXX despite several requests.
Consumer complaint received 2020-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (TX)

I am a XXXX XXXX XXXX who utilizes this website called : XXXX. I wanted to pay $ XXXX/month for the use of their services to showcase a website on their system. The credit card company declined my ability to pay for their services on both my Wells Fargo card and my XXXX card. That means that the system profiled my identity online in terms of how I use my credit card in a manner which is in violation of Federal laws concerning illegal profiling.
Consumer complaint received 2020-12-06
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. (TX)

I went to my local police department to file a claim for a identity theft report but the officers were unable to assist because i didnt know who was responsible for stealing my identity. 

Listed accounts were removed but the credit bureaus put them back on my profile after 90 days. 


XXXX XXXX XXXX  XXXX  XXXX XXXX Both accounts were removed and after 90 days placed back on my credit profile. 
Under the FCRA they violated my rights.
Consumer complaint received 2020-12-05
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. (NY)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. It's been over 60 days later I have not received a response yet. I truly feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ), it is clearly 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 60 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  data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-12-06
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)

I went to my local police department to file a claim for a identity theft report but the officers were unable to assist because i didnt know who was responsible for stealing my identity. 

Listed accounts were removed but the credit bureaus put them back on my profile after 90 days. 


XXXX XXXX XXXX XXXX  XXXX XXXX Both accounts were removed and after 90 days placed back on my credit profile. 
Under the FCRA they violated my rights.
Consumer complaint received 2020-12-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Professional Medical Management, Inc. (NJ)

An account was opened in XX/XX/XXXX, with Financial Recoveries in XXXX. XXXX, NJ for the sum of {$940.00}. This was included in a bankruptcy, case # XXXX, filed XX/XX/XXXX. Nobody from Financial Recoveries showed up for the 341 meeting of creditors to dispute and the debt was subsequently discharged in accordance with bankruptcy law on or about XX/XX/XXXX. 

Since that time, I have REPEATEDLY contacted Financial Recoveries to have the debt removed from my credit report as it still shows that it is in collections. They initially requested proof of the debt being included in bankruptcy. Verification had been sent repeatedly after repeated claims that the email never came through. I have repeatedly called to try and address this issue only to be given some XXXX  run around with no real answer. They have since stopped answering the phone. I have repeatedly disputed the collections account only to have it kicked back saying its valid. 

At this point I am contacting a lawyer to address this, and am filing a formal complaint. This agency is XXXX  and needs to be dismantled.
Consumer complaint received 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Consumer complaint received 2020-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

On XX/XX/XXXX Santander reported my closed charge off account as open. Prior to that date it was being reported as a charge off closed account w/15 charge offs and is now reporting as open with 15 late payments. I believe this was done as retaliation for me filing a dispute with the CFPB regarding their business practices. This lowers my score because it is perceived as an open account with late payments. It also increases my debt to income ratio because the balance is added to my open current accounts. There has been no payment activity on this account since XX/XX/XXXX so what caused the account to be reported as open or reopened? Also, was this account reported as a closed account/profit loss to the IRS per Santander? Or was it reported as an open active account seeking collection? A XXXX  rep informed me on XX/XX/XXXX that the way Santander reported this account was unusual due to the remarks stating closed, write off, charge off, bad debt but yet the status is open. I spoke with a Santander supervisor named XXXX on XXXX XXXX who stated the status will not be changed he also assured me that this was normal reporting. He even persuaded me to settle as he reinforced the idea that the account status was accurate and was indeed opened.
Consumer complaint received 2020-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I have filed a dispute in regards to inaccurate information reporting on my credit report. It has been well over 60 days and I haven't received any investigation results. The items on my report are in violation of the FCRA. There are unauthorized accounts and inquiries on my credit report. There is also accounts that have late payments that are inaccurate because I have always paid them as agreed. These are in direct violation of the FCRA.
Consumer complaint received 2020-11-30
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: EQUIFAX, INC. (NY)

This company is reporting negative items on my credit report that are either inaccurate or not even mine! I contacted them for a solution over 60 days ago and I still havent gotten a response. I have attached my letters and my identity documents for confirmation.
Consumer complaint received 2020-12-05
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

My Complaint : Bank of America closed my claim of {$6000.00} in unauthorized ATM-withdrawals, one day after filing my claim, without investigation or a refund. 

The evening of Sunday, XX/XX/2020 I received a notification from Bank of America on my phone that the balance on my Bank of America Nevada Unemployment Insurance Debit Card Account had dropped below {$500.00}. I went online and found 6 unauthorized ATM withdrawals of {$1000.00} each, at various XXXX XXXX ATMs in XXXX XXXX, from XX/XX/XXXX through XX/XX/XXXX, draining my account to {$30.00}. Immediately after noticing the transactions I called Bank of America. They cancelled my card, which is still in my possession, and issued a new card. They told me to call back the next morning, since the claims department was already closed. 
The next morning, Monday XX/XX/XXXX, I filed my claim totaling {$6000.00} with the fraud claims department of Bank of America. The lady on the phone said I would receive a letter after 10 days informing me how much I would be refunded, and that the total investigation could take up to 45 days. 
I also filed a report with the local police in XXXX XXXX on XX/XX/2020, which I sent per fax to BoA the next morning, on XX/XX/2020. 
On Friday XX/XX/2020 I received a letter from BoA stating your claim has been closed because we believe the account or the claim have been the subject of fraud or suspicious activity. ' and that they would debit the account for any temporary credit that was applied related to this claim, if any. This letter was generated on XX/XX/2020, a day after I filed my claim and postmarked six days later, on XX/XX/2020. In addition, the letter states, that I can request to reopen my claim for further consideration.
Consumer complaint received 2020-12-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (WA)

There was fraud committed through my cash app via XXXX  XXXX. I think this may be identity theft, because I closed my account and investigation took place back on XXXX XXXX 2020. Bank  replaced funds. Forward to wed XXXX 2020, XXXX XXXX  reversed my funds and took all the money out of my account. Cash app closed my account but I have stock with cash app. Ive noticed few of my stocks were sold. XXXX, square, XXXX, XXXX and a cash out to XXXX  bank, which I dont have an account with. Ive notice there was identity theft because I saw the documentation that they were sold with my name on them, and it would be transferred XX/XX/2020 to XXXX XXXX. I contacted cash app multiple times, and XXXX  XXXX. They did nothing. Cash app just sent me links to solve my problem. Ive lost over XXXX dollars in cash app and XXXX  XXXX  as Im typing this.there was a money trail with a person XXXX XXXX. I never sent money to anyone through cash app. Especially not XXXX. I have proof I was sleeping.
Consumer complaint received 2020-12-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Loan servicer states they paid my property taxes on XX/XX/2020 in the amount of {$4700.00}. However, the XXXX XXXX County Tax Assessment office still shows them as unpaid although the funds were withdrawn from my Escrow account. Since this time the property was sold and Escrow withheld another {$4700.00} for the unpaid taxes.
Consumer complaint received 2020-12-06
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: AmeriCollect (TX)

I have sent certified dispute letters to Americollect, XXXX, and XXXX  with the latest letter being sent on XX/XX/2020 requesting for an investigation of the errors on the two alleged accounts that are being reported on both of my XXXX  and XXXX credit reports. Americollect is claiming that I allegedly owe {$710.00} and {$150.00}. There are two inconsistent " Date of Last Activity '' being reported for the alleged {$710.00} account after Americollect, XXXX, and XXXX  have claimed to have validated the account. How is that possible? After reviewing my XXXX credit report it shows that Americollect is reporting a Date of Last Activity on XX/XX/2020. Under the consumer protection afforded by the FCRA Section 605 ( c ) it is against the law to re-age an account. I am requesting that Americollect, XXXX, and XXXX  be investigated and that the Americollect account be deleted from all of the credit bureaus and from my credit reports.