davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-24
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: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-08
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: EQUIFAX, INC. (AL)

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL. XXXX XXXX 15 U.S. Code 1681c-2, A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Delete These accounts IMMEDIATELY! 

XXXX XXXX XXXX. Account # : XXXX XXXX XXXX XXXX XXXX. Account # : **** XXXX XXXX. Account # : **** XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX ( collection account ) Account # : XXXX XXXX XXXX XXXX. ( collection account ) Account # : XXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 U.S. Code 1681b Permissible purpose 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 to the consumer which it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am DEMANDING the deletion of the accounts listed above IMMEDIATELY!
Consumer complaint received 2023-12-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: CITIBANK, N.A. (DE)

When I logged in to my Citi account I wanted to send money to my wife via XXXX. I send money to her monthly in the amount of {$1800.00}. the web page asked me to verify my email, but in fact I was registering my XXXX account as if it was brand new. Once I got to the sending page there was a limit of {$500.00}. 
It was a long convoluted process to get out of the automated attendant and get to the proper person, In the wire department. 
In summary they said that even though they tried to change my identification back to my phone number there was no way they could increase my daily limit and it had to be done " over time ''. 
This is not helpful as I have been sending money via XXXX for years and my last payment was in XX/XX/2023 in the amount of {$1800.00}. 

This is causing me added costs, time and consternation as my account was working fine. 

Not at all helpful. Now I have to withdraw the funds manually and put the funds in the receiving account. 
Horrible experience and really no help from Citibank.
Consumer complaint received 2024-01-12
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: United Check Recovery Bureau, Inc. (VA)

On XX/XX/11 I requested that the United check recovery bureau stop contacting me at work as they were calling my job to get in contact with me. 

UCRB continue to call my job two more times after my request leaving voicemails.
Consumer complaint received 2023-05-20
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. (AL)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-21
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. (FL)

I have been a victim of identity theft and I have submitted all required documents to XXXX and Equifax but none of them have removed the fraudulent accounts from my report EVEN when creditors have acknowledged the Identity theft situation, I have contacted XXXX  XXXX XXXX in regards of the account XXXX being reported in my credit and they do recognize that said account doesn't have my social security number, neither my zip code nor address, only my name, but that account is still being reported to my credit by Equifax. In the case of XXXX reporting on XXXX and XXXX XXXX, those accounts are consequences of identity theft, XXXX is reporting that account with another person and they do not delete that information from my report on both XXXX and Equifax.
Consumer complaint received 2024-01-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

I previously disputed this account stating : " I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. 

I was not sent any validation of the debt.
Consumer complaint received 2023-11-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I have been disputing for 6 months and this company has broken several FCRA violations. This company has sent STALL LETTER AFTER STALL LETTER AND OFTEN JUST IGNORED DISPUTES! Instead of addressing the actual problem which is another FCRA violation. I will be filing an additional compliant with the XXXX  and XXXX! The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the SEVERE financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-09-24
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: EQUIFAX, INC. (CA)

These hard inquiries are unauthorized and they are not related to any transaction by me. I want these hard inquiries removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NY)

From XX/XX/XXXX all the way for about a year funds was being with drawn from my Chime account and they don't understand that I was XXXX  multiple times and in the XXXX. I didn't not authorize anyone to use and of my Chime funds. They will not truly investigate. None came from me nor did I have a card to use.
Consumer complaint received 2023-09-24
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: EQUIFAX, INC. (CA)

15 USC 1681b ( A ) ( 3 ) ( A ) Remove these hard inquiries from my credit report immediately. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX.
Consumer complaint received 2023-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO Bank, N.A. (VA)

I signed up for a new account with BMO Harris Bank XXXX XXXX XXXX XXXX It took almost 3 hours to verity me over the phone. I had to send many documents and answer many questions over the phone. The next day my representative asked me for my account numbers for me to transfer my funds to them. Then they sent me many documents to sign over a portal. However, when I tried to sign up on the online portal I have run into many problems. First, their online portal refused to send me a code after Friday. Then on XX/XX/ a representative gave me a temp password to sign up online. The system did not allow me to finish the process. So, I waited until Monday XX/XX/ to call back. I was on the phone for several hours trying to sign in. It allowed me to sign in only by clicking on forgot password. After being on the phone the repXXXX told me she would call me back today XXXX XXXX XXXX So, I called and spoke with several reps. The first one was very Rude. The second one XXXX was very nice. The online banking has locked me out a would not verify me. However, it would send me texts messages and emails saying that a unauthorized device was trying to sign in my account. Then it was saying all day that it did not even recognize my information. When I tried back a rep in the escalation dept was EXTREMELY MEAN AND RUDE TO ME!!!, l just got off the phone with XXXX who just mostly defended her co-workers attitude towards me. This bank took my money and allowed me to open up account 's and then refused to allow me access to my accounts with my money in them. Then they disconnected the calls and then wrote in my account that I hung up and I was not verified! That is a lie! They did this purposely I feel to get my accounts open to their advantage and then refused to verify ... Although they are saying that I hung up! I have been trying to access my accounts to see if my money is okay. Imagine someone saying they need your money to open your account... Then taking your money and then refusing to let you get to your money. This has been a awful experience dealing with them! I am requesting all phone records be pulled from XX/XX/XXXX, XXXX, XXXX, XXXX. Then she said that I called 20 times today ... Which is another LIE! The accessed my account to make it look like I called 20 plus times. They should have never let me open a account then demand my money if they did not believe I am who I say that I am!
Consumer complaint received 2023-12-13
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: Possible Financial Inc (CA)

Dear CFPB, I am writing with a deep sense of frustration and disappointment to file a formal complaint against Possible Finance. It has come to my attention that this company has inaccurately reported me as missing a payment, tarnishing my credit history, credit score, despite the fact that every single one of my payments was made diligently and on time. 

They reported to Credit Bureau 's on XX/XX/2023 that I missed my first payment on XX/XX/2023 for {$73.00} even though it was withdrawn from my bank account and the payment cleared without any trouble or multiple attempts. 

I emailed them regarding this and was told I would hear a response in 2-3 business days and was never reached out to again.
Consumer complaint received 2023-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The following accounts has violated my rights : Account : XXXX XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX  XXXX : # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation (TN)

I scheduled a payment then I had to cancel it. I received an email stating it was canceled. I had scheduled automatic payment for XXXX and the still drafted both payment. When one was returned they charged me a nsf fee when it was their mistake.
Consumer complaint received 2023-12-13
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

This company is reporting 2 accounts but they are the same fraudulent account that is a result of An account that I DID NOT AUTHORIZE TO BE OPENED, WHICH RESULTED IN UNAUTHORIZED CHARGES, I HAVE NO KNOWLEDGE OF THIS ACCOUNT! IT DONT BELONG TO ME! I HAVE REPEATEDLY DISPUTED THE ACCOUNT REQUESTING TO REMOVE, THEY HAVE NOT DONE SO. XXXX XXXX Credit Card.
Consumer complaint received 2020-07-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (CA)

I refinanced my loan back in XX/XX/XXXX, Loancare kept a portion of my Escrow balance with out my approval {$1800.00} to be exact, and will not return it. On the Escrow balance it is showing that return as a negative, and does not explain why. On XX/XX/XXXX I spoke to two different Loancare employees who told me I had to email payment research about this problem. See email and response below REFERENCE NUMBER : XXXX Please use this ticket number in any correspondence with us. 
SUBJECT : Re : Loan # XXXX Dear Valued Customer, Thank you for contacting us. 

Please be advised that the funds were used towards paying off your loan because the payment on XX/XX/XXXX was returned. We wouldn't be able refund the funds. 


Please feel free to contact us if you have any additional questions. 


Sincerely, Customer Support XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX ********************************************************************************************** The contents of this email and any attachments are confidential and are intended for the named recipient ( s ) only. If you have received this email in error, please notify the sender immediately and delete the message without making copies of or forwarding it to anyone other than the sender. 

*** this email was scanned for malicious content *** ********************************************************************************************** In case this email does not fully answer your question, or you would like to contact us for any reason, simply reply to this email. You can also get immediate assistance using our Chat support service at : ========== Original Message ========== From : & # 60 ; & # 62 ; Subject : Re : Loan # XXXX IMPORTANT NOTICE - This message sourced from an external mail server outside of the Company. 

& # 62 ; & # 62 ; To Whom it may concern, & # 62 ; & # 62 ; I did a refi 5 months ago and part of my escrow balance was applied to my loan with out my approval. I am going to need the remaining balance that is owed {$1800.00} & # 62 ; sent to me. I am going to call the CFPB and would like this resolved very quickly!

& # 62 ; & # 62 ; Sent from my iPhone
Consumer complaint received 2023-04-23
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. (MI)

There is information on my consumer report thats is identity theft. I did not provide written permission or instruction for these transactions to be reported on my consumer report. Im requesting that this info is blocked and deleted immediately. You have caused me mental and financial stress when you issued an items that does not belong to me and in which I am not responsible for. I'm seeking litigation if this complaint is not handled accordingly. I have not been able to purchase my dream house and provide for my family needs due to these fake, inaccurate and fraudulent items showing on my credit XXXXXXXX. I attached a letter along with ftc report.
Consumer complaint received 2023-11-17
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. (MO)

I am writing to you for the second time to address the persisting issue of fraudulent items on my credit report. Despite my previous efforts, the items in question remain, and I find it necessary to bring this matter to your attention once again. 

In my initial dispute, I provided detailed information and supporting documentation to demonstrate that the items on my credit report are indeed fraudulent. Regrettably, I have yet to see any resolution or removal of these inaccuracies. 

The fraudulent items are adversely affecting my credit standing, and I am concerned about the potential repercussions this may have on my financial well-being. I have taken all necessary steps to comply with your procedures and have submitted the required documentation to verify my claims.

I kindly request that you conduct a thorough and expedited review of my dispute, taking into consideration the evidence I have previously submitted. Transparency in the resolution process is crucial, and I expect clear communication regarding the progress and outcome of your investigation. 

If there are any additional steps or documentation required from my end, please notify me promptly so that I may provide the necessary information to expedite the resolution process. I am committed to cooperating fully to ensure the accurate and fair reporting of my credit information. I am asking for your assistance to remove the following fraud items in my credit filXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX