davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Advanced Resolution Services Inc. (FL)

Advanced Resolution Services ( ARS ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Subject : Request for Removal of Inaccurate Addresses, Update of Correct Information, and Security Freeze Dear ARS Consumer Relations Department, I hope this letter finds you well. I am writing to dispute certain addresses listed on my credit report that do not belong to me. I kindly request that you remove any incorrect addresses and update my credit profile with my actual correct address. 
My correct information is as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX Please find attached copies of my driver 's license and a recent utility bill as proof of my accurate address. 
In addition to the removal of inaccurate addresses, I request that you place a security freeze on my credit report to protect my personal information from unauthorized access. 
Thank you for your prompt attention to this matter. Please confirm in writing that the necessary changes have been made and that the security freeze has been placed. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I petition into CFPB to solve and to give for me to be fair before COURT I petition CFPB to give my complaint into FEDERAL COURT solve for me 1/ I paid into USPS by checking account and credit from the Bank OF AMERICA , but all my mail Certified Mail were theft to did not delivery serve service 2/ I contact into the Bank OF US for disputed all act theft from USPS and compensation for me But the Bank OF AMERICAN to did not Dear Sir/Madam People pay for USPS from the bank OF AMERICAN, and The Bank OF AMERICA to be my account, But I request disputed and compensation by act theft from USPS lead into my case at Supreme Court OF US denied , But The bank OF AMERICA did not solve disputed all for me include to did not solve compensation for me from USPS theft my mail certified before Supreme Court OF US and CONGRESS Follow law people to pay serve service for me direct from the Bank OF AMERICA, all company to should responsibility before the BANK OF AMERICA and the Bank OF AMERICA to should responsibility with me, because the bank OF AMERICA took my money from my checking account every money
Consumer complaint received 2024-07-12
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Follow-Up on Identity Theft Report and Failure to Block Fraudulent Accounts Dear Experian, I am writing to follow up on my previous correspondence regarding the fraudulent accounts on my credit report. Despite my initial request, I have noticed that Experian has failed to block all the fraudulent accounts as required under 15 U.S. Code 1681c-2 and 1681n. 
Specifically, the fraudulent accounts with XXXX XXXX, account number XXXX, with a balance of {$1800.00}, and XXXX XXXX, account number XXXX, with a balance of {$6400.00}, have not been removed. These fraudulent accounts were created without my knowledge, as I have stated in the previous letter to Experian. This oversight has led to XXXX denials of credit, causing significant harm to my creditworthiness and personal finances. 
Experian 's failure to address these fraudulent accounts is a clear violation of federal law, which mandates that such accounts must be blocked upon receiving proper notification and documentation. Additionally, under 15 U.S. Code 1681s ( f ) ( 1 ) & ( 2 ), Experian is required to notify the other credit reporting agencies of these blocked accounts. This has not been done, further exacerbating the situation. 
I demand that these accounts be removed from my credit report immediately. Should Experian fail to comply with this request, I will seek civil penalties totaling {$2000.00} for willful non-compliance, as allowed under the law, due to the credit denials I have experienced. 
Please address this matter promptly to avoid further legal action. I expect to receive confirmation of the removal of these fraudulent accounts and notification that the other credit reporting agencies have been informed, as required by law. 
I have attached the required information to process the credit block again. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-27
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX Account Number : XXXX Inquiries : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (TX)

I noticed on XX/XX/XXXX that my checking account had disappeared from my mobile app. I tried calling Citibank on XX/XX/XXXX and asked about my account and the first representative I spoke to was very rude and hung up on me. I called back and was transferred to the fraud department. The fraud representative verified my personal information and read a canned response that essentially said that my accounts were being investigated for fraud, they've determined there is a security threat and all of my funds were being held for XXXX days depending on the outcome of the case or go visit your local branch in person to see if you can get your money faster, then he said thank you, goodbye and hung up. I wasn't given a chance to speak, they didn't explain what the security threat was or why I was being investigated for fraud. 

I started a new business one month ago and when I did, I visited a citi bank and let them know I wanted to use my citi bank account for my business and I'd like to transition it to a business account. They said I would be fine with how it was if I was not writing checks out of the account. I made the first two check deposits and they froze the money and closed my account. I am really frustrated as I just went through my new company launch event and spoke to all of my customers and gave my wire instructions to those that will pay electronically and now I have to go redo all of that less than a month after starting my business because citibank is not responsive and won't answer any questions. I am afraid this will have reputational impact on my company when I've done everything citibank has asked and they still did this.
Consumer complaint received 2024-07-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/XXXX of XXXX I was contacted by Capitol One protection department about a wire transfer I sent out. I let them now that it was sent by me and that it was sent to my fiance. The representative told me that this individual was not my fiance and that they were going to investigate the matter. I informed her that this was her personal opinion to which she let me know that they were going to close my account and not do business with me. My account had over {$24000.00} in it. I also had XXXX other accounts to which she closed also on XX/XX/XXXX. I got the email about my XXXX XXXX XXXX and XXXX savings being closed but they still have not closed my business account which has the {$24000.00}. I have called multiple days each week and have gotten the generic answer that they don't know how long it will take to finish up closing the account. They have not found any fraudulent activity but its a risk for the bank. This is why they closed my account. I can't have the investigator contact information.They will not give me a time frame. I just keep getting the run around. I see why capital one has a poor review and many class action lawsuits against them.
Consumer complaint received 2024-08-30
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. (TX)

I have asked CFPB to investigate EQUIFAX for their negligence. This company has repeatedly reporting negative accounts to my credit report. They have lied like they have verified that's a lie. I haven't til this day received any supporting documents bearing my signature. Only a letter saying this debt is not XXXX XXXX its with a debt collector. Also XXXX XXXX has been added back after I've shown I'm a victim to identify theft and submitted documentation. This has caused me to be denied due to inaccurate information because EQUIFAX refuses to do their job. EQUIFAX have validated my rights on several grounds because they have lied as if they verified a account and they didn't and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. ACCORDING TO LETTER. THAT MEAN THIS DEBT WAS SOLD AND I NEVER RECEIVED A 1009-C FROM A COMPANY. Also, according to the IRS A lender that cancels or forgives a debt of {$600.00} or more must send Form 1099-C to the IRS and the borrower. When requesting information on this account I have NOT received a 1099 C from the creditor or a contract bearing my signature. This account is being reported as a charge off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. I formally request that this information be immediately deleted from the credit file you maintain under my social security number. I have also submitted FTC REPORTS # XXXX
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I kindly request that you block this information from my credit report within four business days, pursuant to section 605 if the Fair Credit Reporting Act. I have given you my identification as well as information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ) I have also attached copies of my id.
Consumer complaint received 2024-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

RE : XXXX XXXX XXXX To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX XXXX, IL, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Collections that are being challenged XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Consumer complaint received 2024-08-29
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. (NJ)

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
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
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I noticed on my credit report that XXXX is reporting that I ow double of what I actually owe ( and is listed in my XXXX account ). I opened a dispute with Experian and uploaded a screenshot of my account with a balance. Experian sent me a message saying the dispute was completed and closed, however, nothing changed except a small update to each individual loan. The total balances are still listed as double. 

I messaged XXXX 's credit reporting agency with my credit report showing the doubled amount and asked them to please investigate why they are reporting I owe {$42000.00} when, clearly, my loan amounts only equal {$20000.00} ( as of this writing ). 

I have not head back from XXXX. 

This is severely affecting my credit score and is false reporting on XXXX 's part as well as Experian did nothing to remedy the dispute that was opened.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (NV)

I paid my mortgage off several years ago. Just recently I tried to obtain a HELOC for home improvements. I was denied because my credit shows I was late on several mortgage payments. I found out that the mortgage company didnt know I paid the mortgage off and thought I wasnt paying on the loan. They were in the process of changing mortgage companies. 
I have in the past, over 7 years, been late on that mortgage in order to get a lower rate. I was told to miss the payments and they could refinance if it showed I needed help with my payments. This was during the housing crisis. Stupidly I did that but was told it would never show upon my credit report. Now I owe nothing on this loan. It is paid in full but I can no get any home equity loan.
Consumer complaint received 2024-07-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sezzle Inc. (MN)

SEZZLE is listed on my credit report as a charge off. I have reached out to them to validate the debt and was told the account is with the Debt collector XXXX and SEZZLE can not help me. XXXX has no record of the account, and referred me to Sezzle. Sezzle stated they would escalate and I never heard back. I did not get any debt validating letters. Debt comes back as verified when disputed with the bureaus.
Consumer complaint received 2024-07-11
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: BARCLAYS BANK DELAWARE (GA)

I am writing to dispute the following inquiries and ask for their removal from my credit report. I am writing to dispute the following inquiries and ask for their removal from my credit report. Item No. Please have these unapproved inquiries removed from my credit report within 30 days, as it is harming my ability to obtain new credit.
Consumer complaint received 2019-07-01
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. (NY)

I saw some questionable data reporting on my report from a XXXX XXXX account with an account number XXXXXXXXXXXX. I wrote to the bureaus requesting an investigation. 

I received a response claiming to have verified the information reporting, yet I got a letter from XXXX XXXX dated XX/XX/2019 which I will attach, claiming the bureaus didn't send over enough information for them to understand the reason for dispute and review. Which means they were unable to verify any data properly.
Consumer complaint received 2019-07-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

I found a charge for {$110.00} a month from the bank for insurance to cover my card in case of problems paying. The date they show that I ordered the insurance I was in the operating room getting my XXXX XXXX XXXX So when I call and complain I get it cancelled and a refund for most I was charged. Then the monthly payment which was {$220.00} for the previous year with a {$7000.00} balance goes up to {$390.00} and now it is {$590.00}. I call the bank and they can not explain and say it will be more than likely going higher. 
How can a XXXX XXXX vet pay this?
Consumer complaint received 2024-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Collections that are being challenged XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (MD)

I've had Discover card XXXX XXXX XXXX XXXX for many years and rarely used it. Last year in XX/XX/year> I opted out of receiving Discover 's solicitations. I was not informed by Discover that in doing so, they would cease sending me billing statements where I could see if I had a balance due and by when it was due to be paid. It was only until I received a notice from my bank, XXXX XXXX XXXX XXXX  program alerting me to a missed payment, that I was informed of a charge on my Discover card totaling {$28.00} being past due. When I reviewed by Discover card account, I saw that they charged me a 100 % late fee for the missed payment and reported my account as delinquent/missed payment to the reporting agencies. I called Discover, disputed the late fee, noted that I had no other charges on the card, have never missed a payment to any of my creditors, and had an outstanding credit score. I demanded that Discover remove the late fee and retract the inaccurate reporting of me missing a payment, given that they on their own and without my consent stopped sending me account information - which they verified was because I opted out of receiving their marketing solicitations. They apologized and reimbursed me. I was told they have no way of retracting the misinformation they reported and RUINED my credit as a result.
Consumer complaint received 2019-07-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TCF NATIONAL BANK (TN)

My husband left me and our XXXX children, all under the age of XXXX, in XXXX. Im a single mother supporting them on my own with zero help from him. In XXXX, I requested a deferment for two payments XXXX XXXX and XX/XX/2019 XXXX to help me catch up and be able to make the XXXX payment on time. I was told by a representative that once I make the XXXX payment, which was behind, that they would send me the deferment paperwork and the two payments would be deferred with no fees to be paid up front since this was a hardship. I paid and never received the paperwork. I called in XXXX and they told me it had to be in before the end of XXXX. I explained I had never received it. I was then told that I had to qualify again. They told me once more that I was approved and no fees would be added. I received the paperwork, signed and emailed back the same day. Last week, I noticed that the due date online still showed as XXXX. I called and was told the extension couldnt be processed because I had to pay {$180.00} in fees up front. I told them that I was told I didnt have to pay that and that it would be waived by management due to the circumstances. The representative I spoke with said she did see those notes on my account and that she would let the deferment department know to go ahead and process the extension. I then get an email today from a XXXX XXXX with the lender and the email is stating again that the extension cant be processed without a {$50.00} fee. Clearly, I can not pay this as the whole point of the extension was because I was behind and needed to get caught up. I was told by multiple representatives, including a manager, XXXX XXXX, that it was approved for two months with no fees. I keep getting the runaround with this company.