davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (VA)

Citi sent me an email for a promotion that allowed for a {$300.00} account bonus if you opened a new access checking account and completed XXXX qualifying direct deposits with 90 days. I opened an account and completed the required direct deposits. They also sent me an email saying congratulations that I qualified for the account bonus. After I never received the bonus I called citi and was told that I would have to wait 90 days rather than 30 days top receive the bonus. A week later I called back and was told that since I had previously had a citi account I didn't qualify for the bonus offer. If I didn't qualify, they could have explained that to me at the time I opened the account and used the promotional code.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted off my credit report immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

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 Thank you XXXX XXXX
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AZ)

To Whom It May Concern : We are writing to inform you that we have filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your company 's failure to remove debts included in our federal bankruptcy. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( a ) ( 1 ), and the automatic stay provisions under Section 362 ( a ) of the United States Bankruptcy Code, debts discharged in bankruptcy should no longer be reported as active debts. Furthermore, any attempts to report or collect these debts are prohibited immediately upon filing for bankruptcy.

Despite our previous attempts to resolve this issue directly with XXXX XXXXXXXX XXXX , the incorrect reporting of these debts remains on our credit report. This debt is still being reported to all three credit reporting agencies, and most notably, Experian has continued to show the balance, late payments, and the debt to date. We expect immediate action to rectify this situation in compliance with federal law. 

Please confirm receipt of this notice and provide an update on the status of the removal of the aforementioned debts from our credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX Date of Birth XXXX XXXX XXXX Date of Birth XXXX : XXXX Last four of social for XXXX : XXXX Last four of social for XXXX : XXXX
Consumer complaint received 2024-07-30
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: OpenRoad Financial Services Inc (NV)

XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX # XXXX I believe are engaged in fraud in trying to avoid paying Independent Carriers by saying their MC numbers were hacked ; yet they have NOT filed a complaint with FMCSA, the issuer of the MC numbers, as they are required to do ; nor have they filed a criminal complaint with the FBI, DOT, Department of Transportation, or local law enforcement, as any responsible or legitimate business licensee engaged in Interstate Transportation services would do. 

Complaint against : XXXX XXXX XXXX .dba .... 
XXXX XXXX XXXX XXXX XXXX, employee of XXXX XXXX XXXX  has NOT provided any proof that the MC numbers of XXXX XXXX... MC number XXXX or XXXX XXXX... MC number XXXX had their MC numbers hacked because they haven't filed a complaint with FMCSA, Federal Motor Carrier Safety Administration the issuer of their respective MC, Motor Carrier, numbers as is required by FMCSA guidelines and therefore should have their MC numbers suspended for failure to report any possible hacks to the FMCSA of the Department of Transportation ..... 
Since XXXX XXXX XXXX has No legal proof in the form of a police report with local law enforcement or the FBI or with FMCSA the issuer of their MC numbers they can not alleged that a crime was committed, And XXXX XXXX XXXX  must honor the contract they have with XXXX XXXX XXXX XXXX dba XXXX XXXX XXXX XXXX XXXX and return My {$870.00} plus 3 % daily for wrongfully keeping My Money and a Letter of Release.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally dispute inaccurate information on my credit report and request its deletion in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant laws. This letter pertains to my rights under the following statutes : This inaccurate information has never been updated nor corrected from TransUnion, XXXX both agencies updated Fraudulent information on my credit report without notification by mail. I submitted my FTC reporting and also proof of documentation of the following account XXXX is inaccurate and I've submitted proof of the contract with original creditor. 
Legislation : 15 U.S.C. 1681 : General provisions and definitions 15 U.S.C. 1681e ( b ) : Compliance procedures 15 U.S.C. 1681s-2 : Responsibilities of furnishers of information 15 U.S.C. 1681i ( a ) ( 5 ) : Reinvestigations of disputed information Disputed Information : Upon reviewing my credit report, I found the following inaccurate and potentially fraudulent information : Credit Reporting agency : TransUnion, XXXX Reasons for Dispute : Inaccurate Reporting : Under 15 U.S.C. 1681e ( b ), it is required that credit reporting agencies maintain maximum possible accuracy. The listed items do not meet this criterion.

Obligations of Furnishers : As per 15 U.S.C. 1681s-2, the furnishers of this information are required to report accurate data. Their failure to do so necessitates the deletion of these entries.

Reinvestigation Requirement : In accordance with 15 U.S.C. 1681i ( a ) ( 5 ), I am requesting a reinvestigation of these entries and their subsequent deletion. 
Supporting Documentation : I have enclosed copies of the following documents to support my dispute Action Requested : I formally request that you : Ensure that all inaccurate information is permanently corrected and removed.

Provide me with a corrected copy of my credit report reflecting these changes.

Refrain from re-inserting any incorrect information unless it is verified as accurate.

Legal Rights : Under FCRA 611 ( 15 U.S.C. 1681i ), you are required to investigate my dispute and correct any inaccuracies within 30 days. Additionally, under 15 U.S.C. 1681e ( b ), you must ensure the maximum possible accuracy of the information reported. I've submitted documents of the contract agreement with XXXX showing the correct account number and balance. TransUnion and XXXX are reporting inaccurate reporting. These accounts need to be deleted due to fraudulent reporting.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: MOHELA (CA)

I received notification from MOHELA on XX/XX/XXXX via physical mail, and notarized by the post office, that my student loan is paid in full. My loan is currently listed as paid in full status. 

However, all three credit bureaus report that the loan is still outstanding as of XX/XX/XXXX. MOHELA failed to notify the credit bureaus in a timely manner of this update. This resulted in a XXXX point decrease in my credit rating. 

MOHELA also sold incorrect and false information pertaining to my person to all XXXX data brokers. This constitutes slander, liable, and defamation. Furthermore, this fraudulent act constitutes a violation of the Gramm-Leach-Bliley Act of 1999. 

MOHELA is a financial entity acting as an extension of a government entity.
Consumer complaint received 2024-08-07
Product: Credit reporting 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) (VA)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Chexsystem 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 personal credit card accounts and inquiries opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-05-23
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. (NJ)

I am requesting again in regard to the inaccurate and unknown account on my credit report. There are multiple errors shown in my report. Please verify that this account is 100 percent true, accurate, and correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FISERV INC. (SC)

XXXX the XXXX ' {$600.00} was taking out my checking account from a bank in Florida. XXXX XXXX XXXX # XXXX XXXX. I didn't get a alert of fraud. I call to file a dispute with moneynetwork.com and a case # was created. 
XXXX # XXXX I dont live in Florida Haven't been to Florida for vacation and my cards were in my wallet with me.please assist.
Consumer complaint received 2023-11-30
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. (IL)

I am requesting that the late payment markings be updated to reflect my accurate payment history. Those payments were made on time. If there is any confusion, I suggest you contact me or the customer service representative of the said account.

Account payment history is reflected as late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2024-08-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

Someone applied for a Capital One credit card using my name, income, and had my SS number. I have not applied for a credit card since last year. Its a hard credit and has caused my XXXX XXXX  to go down XXXX points. I spoke with them and they said it was permanently closed. I have not received a letter from them yet. How long is this going to be on my credit report? Im really upset because I was in the process of buying a new car. Now my XXXX XXXX is too low. Please help! Thank you! XXXX XXXX.
Consumer complaint received 2024-08-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (OH)

My mother died on XX/XX/year>. I am the trustee of her trust. US Bank was the bank where the trust account was situated. In the course of dealing with US Bank for my mom with XXXX, I inquired from the bank representative ( XXXX ) regarding my ability to obtain a loan to refinance the debt. Bank Representative told me that I should refinance my mom 's credit line when it matured. I began the refinancing process based on the bank representative telling me that he could get me the best rates possible and that " his bank '' had better terms than other banks, and that I could refi my mom 's line of credit. I then was presented with the paperwork to refinance my mother 's debt, and the bank representative had me sign in multiple places, but did not explain to me that in fact, the paperwork was creating a line of credit utilizing my mother 's trust as collateral, which I never understood or authorized. Then, the bank representative ( XXXX XXXX asked me for a list of all my personal debts, which I gave him, and then, without my knowledge or authority, the bank representative ( XXXX XXXX used my mother 's loan proceeds to pay-off a mortgage I had at XXXX XXXX, amongst other bills I had. The bank 's representatives told me the money used to pay-off my XXXX loan was " my money, '' when in fact, the money was secured by my mom 's trust, which ultimately had to cover the {$56000.00} that was paid to XXXX XXXX. The bank representative then began screaming at me, telling me that he would not help me further, that he refused to run my credit, that he used " soft-math '' to determine that I was not eligible for another loan to pay-off the laon that had just been granted against my mother 's trust. I then went into the local XXXX US Bank Branch in XXXX to inquire about obtaining a loan to pay-off the loan that had just been issued against my mother 's trust, and the XXXX US Bank employees told me that they refused to talk to me because US Bank employeee XXXX XXXX '' told them to refuse my inquiries, which was explained to me by US Bank employee XXXX at the XXXX branch.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (PA)

Barclay is sending INCORRECT information to XXXX, stating that my account is closed, included in bankruptcy and there was a late payment XX/XX/XXXX. NONE OF THIS IS CORRECT. 

Only the FICO Credit Report is showing the wrong information. I requested/reviewed all 3 of my credit reports on the 3 credit bureau 's pages ( they are correct ). 

Barclay is being predatory and criminal because when I did a balance transfer to another account in XX/XX/XXXX, they took away {$11000.00} of established credit limit from my account ... in retaliation of my balance transfer. They went further to retaliate against me by reporting false information to XXXX Report starting in XX/XX/XXXX. But the supposed late fee they claim was in XX/XX/XXXX. I also reviewed the CC statements and verified with their credit department, that everything was in good standing. SO WHY ARE THEY REPORTED FALSE INFORMATION TO XXXX 

AGAIN, BARCLAY 'S BEHAVOIR HAS BEEN RETALITORY. THEY COMMITTED A FEDERAL CRIME, AND ARE SUBJECT TO LAWSUIT.
Consumer complaint received 2024-08-07
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: E Mortgage Capital, Inc. (SC)

I was approached on refinance or HELOC due to rates were lower on XX/XX/year>. I responded on XX/XX/year> asking what the credit score has to be and that I was working with XXXX XXXX. On XX/XX/year> I received a message stating they could get me a locked loan estimate and what the credit score could be at the lowest, which was XXXX. I then returned the phone call and spoke with the representative who sent over a link after we talked about the process. I received an link to fill out an application through text message and completed the application on XX/XX/year>. The representative asked for additional documents and asked me to email them to them directly. I emailed mortgage statement, Insurance documents, pay stubs, W2s, and student loan information. We were on the phone as I was sending items over. The representative stated they received everything and would call me back once they worked to see what lender they could get to provide me a decent quote. 48 hours went by and no communication, I texted on XX/XX/year> asking did the application get rejected due to me not hearing back, the next day XX/XX/year> they replied that they had never done an application for me. I replied stating I have sent over documents to them through email and the link provided. I also emailed them as well saying the same thing and asking what is going on. No response has been made. I am now mad at myself, because I am convinced I provided all my documents to someone who scammed me from the company name EMortgage Capital. I looked them up online and saw their contact number and no one answers, only a generic voicemail picks up.
Consumer complaint received 2024-08-06
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Capital Services, LLC (KY)

Nationwide capital services , LLC XXXX  structured Settlement : Did not give me a copy of their state license number that gives them the right to collect in my state. So I look up there company on XXXX XXXX access. XXXXXXXX XXXX XXXX XXXXXXXX. They do not have a license to collect a debt in the state of Kentucky. 

Did not provide me with documentation that shows that I gave them permission to have my information, or documentation showing that I gave them authorization to report to my credit report. 

Did not give me the purchase agreement that grants them the authority to collect this debt. 

Did not receive a chain of custody for the account to ensure the financing and hand to hand transfer is correct.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

According to 15 U.S. Code 1681e ( b ) : Permissible Purpose : under no other circumstantial XXXX consumer information be shared unless the consumer have given written consent. 

I have written letters to XXXX  XXXX, XXXX, TransUnion and XXXX and have asked for documentation showing where I have given consent for XXXX XXXXXXXX to give my private information to the bureaus and I have asked each credit bureau for documentation where I have given them consent to obtain my private information. 

Furthermore, I DID NOT give XXXX XXXXXXXX permission to give me personal information to a 3rd party collection agency. 

XXXX XXXX ( XXXX XXXX and XXXX ) Imposes criminal liability of any officer or employer if they knowing and willfully obtain information on a consumer from a consumer reporting agency under false pretenses. 
If someone in Transunion furnished information in your consumer report from someone who did not have permissible purpose, you can that employee liable under FCRA Section 620 or 15 U.S. Code 1681n.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Move to dispute all hard inquiries reported by trans union, XXXX XXXX XXXX. Was told they were just collecting data and running credit report. And information will have no effect on credit report. They were doing soft pull of information.credit report. Incorrect reporting of XXXX XXXX filing pending status with notice of Motion of dismissed granted XX/XX/year>.
Consumer complaint received 2024-10-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc. (AL)

When I checked my credit report I saw a collection balance from Eastern Account System regarding a XXXX  Account.I havent had XXXX since the early XXXX.I called to see about the account and its fraud they said they would contact the collection agency to remove the account from my credit report