davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-04
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. (PA)

Despite multiple written requests, the ITEMS listed below continue to appear on my credit report, in violation of the FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the period specified by law, they failed to adequately investigate the situation by using a third party as their verification provider, and they continued to report unconfirmed and unverified information. Given my attempts to address it directly with three CREDIT BUREAUS, they are intentionally negligent and in violation of federal statutes, and I need this situation resolved soon. Please delete the following elements from my file : 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
Consumer complaint received 2024-08-14
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Security Credit Services, LLC (GA)

I recent got an email saying I owed a debt of XXXX on a lease loan. I've never took out any loans or anything last year! I've tried reaching out to see where this loan came from and there has been no success. They constantly email and do not pick up when needed. I've seen comments about this place being a scam. I don't need this negatively affecting my credit when I never took out any loans. This is my 1st step. The company is Security services LLC
Consumer complaint received 2024-06-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (NY)

I responded to an offer on the Wells Fargo website to open a new Wells Fargo XXXX checking account on XX/XX/scrub> 2024 to receive a {$2500.00} bonus if I opened a Premier checking account and {$250000.00} or more of new deposits were made to any linked accounts within 45 days of opening the account and the $ XXXX balance is maintained through day 90 of opening the account. Payment of the bonus would be made within 30 days of satisfying these terms. On XX/XX/scrub> 2024 I contacted the bank to inquire why I had not received the bonus as I had made the $ XXXX of deposits into the linked accounts within XXXX of opening the account and had maintained that balance. I still have that balance in my account and I am well beyond the timeframe that the bonus should have been paid. The person I spoke with told me as far as he could tell the bonus should have been paid. He told me he would open an investigation and I would hear back soon, but no later than 10 days. I still have not received the bonus nor has the bank responded to my inquiry in 10 days.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MN)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-06-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/XXXX, My card was charged XXXX $ at a XXXXXXXX XXXX XXXX. I wasnt aware of this transaction until the XXXX of XXXX because I didnt need no reason to check since I used my card around that time. I called my bank to tell them I didnt make that transaction ( first dispute ever ) and he said theyll credit my account within two days and it take 10 business days to investigate. Four days go by I called to inform them I still havent received my credit they said it might takes up to 10 days. I go & check on the claim one morning and they closed it because they feel as it wasnt fraud. If I never made the purchase how isnt it fraud? I never called them back and decided to try you guys. If it was something little like XXXX $ I wouldnt push it through but it was XXXX $ that I dont have to just dismiss this claim.
Consumer complaint received 2023-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

My direct concern is the company listed below along with XXXX, XXXX, and Transunion has violated the ( FCRA ) to investigate my concerns it has been over 40 days, and still no response. 

ACCOUNTS : XXXX XXXX XXXX XXXX This account should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I never gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2024-06-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP (WI)

CFPB report prior to current filed with not identified response reiterated through a view of retaliation in a routine manner for a not new amount of XXXX with a portioned check from XXXX XXXX legitimate or to the view or scene not. Money voluntarily paid and during aspect of XXXX  XXXX  while contemplating over XXXX XXXX  application and death of second girlfriend. Keeping relations of fortitude with balancing legitimacy between previous papers if not dictated over and distributed with economic caution along with acknowledging previous XXXX XXXX  distributed by loss of loved people, was viewed as possible and identifiable advantage moment. This moment was then financially overcompensated which was to be {$1000.00}. Then, a new checked balance {$170.00} was as to be and sent over in a elbow shove with CFBP paperwork. Check in hand made out me, and signed through acts of forgery subscribed to the ownership of my personal matters. I would like to send check voided paper non landscape font copy to CFPB. XXXX XXXXXXXX XXXX XXXX XXXX  seems to be to distributed bank of not choice, but explicated option of a pour over again mentality. Check sent to US Bank received onto me or to me was comprised of total summed {$2400.00}
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CL Holdings LLC (CA)

I was trying to buy a house and I realized I have a few damages on my credit report.According to the 15 USC 1681 law, there should not be any damages on my report, is a defamation on my character.
Consumer complaint received 2023-07-11
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: Experian Information Solutions Inc. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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
Consumer complaint received 2023-06-08
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: Experian Information Solutions Inc. (FL)

I am applying for a mortgage and two red flags came up even after I submitted a dispute. 

First was a wrong social security number : They had the last XXXX numbers as XXXX and the correct number is XXXX. The report I picked up from Experian still had the last number as XXXX. The mortgage company filed a form to get the correct information via the XXXX. 

The second involved my birthdate : I was born on XX/XX/1954, and the loan company was told that my birthday was XX/XX/1954 ( or something like that ) ; I don't know how it could have changed. 

When I contacted Experian, they told me that a credit company had reported a different date. When I asked, they could not tell me who had reported the wrong information. 

This seems to be a serious problem if they take in a change, including the name. Once a file is made on a person, the only change should be a name, as with a marriage, divorce, or other court order. Why shouldn't the credit reporting agencies notify the creditor in these matters?
Consumer complaint received 2024-06-04
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (SC)

My synchrony home card I haven't used this card in over 2 years, and on XX/XX/year> I've received a letter from Synchrony Bank stating that they have decided to close my XXXX home card due to, too many revolving accounts with high balance, not enough balance paid down over time on real estate secured loans, too many inquiries, too many bankcards with high balance compared to credit limit. I have call Synchrony bank to get a reason on why they are closing this account, and the representative could not give me a reason. I reached out the CEO of the company and they say that they will look into it, I'm still waiting on action from the CEO over this matter. I have been current in making payments on this account and every account that I have with Synchrony Bank, my previous balance is XXXX, I made a payment of {$55.00} the minimum payment is {$49.00}, and my current balance is {$1300.00}. I feel that if I make my payments on-time my account shouldn't be closed, if you can please look into this matter for my I would really appreciate it, and if you need any other information, please feel free to contact me. Thank You
Consumer complaint received 2024-05-31
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. (FL)

In accordance with the fair credit reporting act account XXXX from XXXXXXXX XXXX XXXX was already pay since XXXX XXXX in total of XXXX dollar. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 : IT also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2024-04-18
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)

PLEASE BLOCKED AND REMOVED. 
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them from my credit report.
Consumer complaint received 2017-01-13
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (FL)

I am a XXXX veteran of the XXXX on a fixed income. I proudly served my country as a XXXX, and was able to take advantage of the government VA loan program to purchase my home in 1998. I am contacting you to file a complaint against my current mortgage company Nationstar, who is pushing me into foreclosure. The problem started when the loan ( which was originally with XXXX ) went to XXXX XXXX XXXX after XXXX went out of business. I had an affordable payment and escrow set up and had no problems. However, after XXXX got involved they decided that they had to have their own insurance on the loan which was much more expensive. They essentially made me switch to their force placed insurance. Being on fixed income this created a problem for me. I hung on for quite some time and tried to get XXXX to accept my insurance but they refused ; it did not make any sense because that insurance had been fine for over 10 years. It seemed like XXXX XXXX XXXX was getting a kickback or something by pushing me to change. 

Eventually the well was dry and I started missing mortgage payments and the loan went to Nationstar. I have been trying to get Nationstar to review me for help. They told me that they could not help me because my income was just a little short. So I decided we would rent out a room in our house in order to qualify for help with this loan. I have since been trying to get Nationstar to take a look at our current financial situation but have not made any progress. They do not seem interested in helping me, I talk to a different person every time and nothing has happened since I told them that I have a higher income. It seems to me that they are more interested in foreclosure instead of trying to work this out with me. I feel that I deserve better, and I know that there are government programs set up to assist vets with VA loans and I believe I qualify but Nationstar is not giving me a chance.
Consumer complaint received 2024-06-11
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: FISERV INC. (CA)

Hello to whom this may concern, My name is XXXX XXXX. Around the Last week of XXXX, XX/XX/2024 I believe, I contacted XXXX my sponsor regarding my funds and card. They informed that my card was shipped out, but I never received it. Further more they told me to contact Money Network to follow up. When calling I was informed that my money had been spent and withdrawled in XXXX XXXX California.Transactions were made in the amount of {$14000.00} dollars stolen off my card. I made a dispute, they informed me that they are denying my claim.I live in XXXX XXXX which is a hour away, I never go to XXXX XXXX. Someone stole my card now im suffering.Please help me get my money back I have also made a police report on the situation as well.
Consumer complaint received 2024-08-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NV)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-04
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. (PA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, XXXX XXXX. XXXX I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section XXXX ( a ) ( XXXX ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to XXXX parties you are damaging my reputation and credit worthiness Under the FCRA XXXX XXXX. XXXX, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2024-06-05
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Continental Finance Company, LLC (GA)

XXXX XXXX I received XXXX letters from Continental Finance in regards to my XXXX XXXX XXXX XXXX XXXX  accounts, stating that Terms and Conditions will change and they will start having a XXXX $ annual Fee & maintenance fees will increase from {$10.00} a month to {$15.00} a month as well as interest rates will be raised to 35.9 %, which is predatory, it states if you do not agree to new Terms and conditions to call the number on the letter to opt out and account will be closed. I paid both balances in full and attempted to close both accounts, I believe their system is set up in a fraudulent way, as it will tell you " thank you, you opted out " have a great day, after a long pause it will state " sorry there was an error opting out, please try again later '' Many Customer would have probably hung up after the initial " thank you, you opted out " *** it took me several hours to close the accounts, I had to call in several times to confirm that both accounts were closed, now today I receive a letter in the mail stating " the charging privileges on you XXXX XXXXXXXX HAVE BEEN SUSPENDED DUE TO UNUSUAL ACTIVITIES. PLEASE KEEP IN MIND THAT THE TEMPORARY SUSPENSION OF YOUR ACCOUNT DOES NOT AFFECT YOUR OBLIGATION TO PAY THE BALANCE ON YOUR ACCOUNT, ADDITIONALLY YOUR ACCOUNT REMAINS SUBJECT TO FINANCE CHARGES AND FEES IN THE CARDHOLDER AGREEMENT. ************** this is absolutely not acceptable as I closed the account and the account is paid off, there should not be any notice letting me know I am subject to fees, when I closed the account. This is scam behavior and these companies need to be held accountable for their predatory practices. Their customer service is absolutely not helpful at all, receiving such letter is causing me a lot of stress, as this wrong information could result in getting the account closure reported wrong on my credit.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS (NV)

The business information reporting with LexisNexis is old and outdated. The phone number, address my company title and the XXXX codes all need to be updated as some of this information was not reported correctly and other information is outdated.
Consumer complaint received 2024-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (AZ)

I currently have an account with BMO for XXXX business accounts. I accidentally deposited checks from XXXX business to the other business account. Both my cards look the same and unfortunately i put same pin to make my life easy. My account went to fraud investigation. I called the bank they made me go to branch. I went to branch expalined that it was my mistake instead XXXX business I deposited to the other business. this was XXXX weeks ago. My business has been on freeze, including my funds in the account and they are not release it waiting for some analyst to clear the way, Im not allowed to talk to the analyst, Im not able to complain to anyone to resolve the matter, just wait, in the mean time I have a business to run, bills to pay and my funds in the amount of XXXX or so are on hold for XXXX know how long. Please help me expedite the process.
Consumer complaint received 2024-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (FL)

Dear CFPB, I am writing to file a complaint against Calvary Portfolio Services for inaccurately reporting a collection account of {$1300.00} from XXXX on my credit report. 

I am a current XXXX customer with multiple accounts in good standing, and none of them have ever been in collections. I have already disputed this collection directly with the credit bureaus. However, I am contacting you now to request further assistance in resolving this matter definitively. It's possible this error is due to a mistaken identity with someone having a similar name. 

Thank you for your attention to this complaint. 

Sincerely,
Consumer complaint received 2024-06-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NC)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.