davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-06
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: Resurgent Capital Services L.P. (TX)

On XX/XX/XXXX, XXXX began reporting a collections account through LVNV Funding that is attached to a XXXX XXXX XXXX account that was opened fraudulently by an ex roomate. The amount in question is {$340.00} and is being reported as a closed account in collections. It was originally reported as an open collections account and then changed. This is the second time this account has shown up on my credit report as I had succesfully disputed it in XXXX as it is a fraudulent account and XXXX removed it. It makes no sense that something which was fraudulent in XXXX, XXXX and XXXX then became legitimate in XXXX. The original XXXX account is nowhere on my credit report and XXXX and XXXX also removed it and the fraudulent collections account. In my original dispute with XXXX I explained the situation and informed them that I have no knowledge of this account, as it is not mine and asked for hard copy validation or any proof that this debt belonged to me. Every dispute was denied and a note was placed on it that it " meets FCRA requirements '' which is untrue as I have an active FTC ID theft report on the account, XXXX has acknowledged it isn't mine and XXXX has continued to report incorrect and unverifiable information, which violates the spirit of the FCRA. I have disputed with XXXX more then 5 times and they have now blocked my ability to dispute that account. 

I have an FTC Identity theft action open against this fraudulent account along with XXXX inquiries which were part of the fraudulent use of my personal information and XXXX doesn't even view the dispute, only responding that the account meets FCRA guidelines when the original creditor acknowledges it is not my account, the FTC acknowledges I was a victim of ID theft and XXXX is working overtime to ensure the damage from the identity theft, a very traumatizing experience, continues to be perpetuated on consumers. As consumers, we already know protections only exist for corporations but I wish XXXX wouldn't blindly trample on consumers and perpetuate a harm.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 2023-04-12
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. (CA)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC 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. Please delete the account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$600.00}
Consumer complaint received 2018-08-03
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: POPULAR BANK (FL)

XXXX XXXX I dont know nothing about this account its fraudulent please remove. I explained to the credit bureau that DMV have informed me that there are 2 other individuals in XXXX Florida has a copy of my Driver License. I have requested a copy of the information from DMV so that I can provide it to the bureaus, and I was told that it is against the law for them to provide me a copy of the information all the can do is informed me of the issue. They however stated that the bureau can request a copy of the information and they will send it to them directly. However, the bureau refuse to request a copy, and continue to retain the information on my report. Please call DMV the account does not belong to me.
Consumer complaint received 2023-07-04
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. (NE)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-08
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Home Loan Center, Inc. (IL)

This company keeps calling and harrasing me every day trying to sell me a loan. I have spoken to over XXXX representatives and requested they stop calling and harrasing me. I signed up for the national do not registry as well over a 1 year ago. I can't get this company to stop harrasing me. Everytime I request supervisor manager to get this company to stop harrasing me the customer service agent hang up the calls.
Consumer complaint received 2023-06-17
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. (AL)

My name is XXXX XXXXI had a problem obtaining credit and I checked my credit report and notice that i had XXXX debt collection accounts that wasn't mines, these XXXX accounts is the reason i keep getting denied Experian have no proof nor do they have on file my written consent for this to be reporting or thst this debt is associated with me. I will just like for the cfpb to resolve this fraud issue Accounts ; XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-12
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. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX  XXXX, CA XXXX U S DEPT OF EDXXXX XXXX XXXX : {$2500.00} Bankruptcy XXXX  XXXXdischarged XXXX XXXX XXXX  CA XXXX Filed XXXX XX/XX/XXXX Reference number : XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2023-11-15
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. (AZ)

on XX/XX/2023 I sent a dispute to trasnunion regarding some collection accounts that i had questions about. I dont believe such accounts belong to me and they have yet to respond to my request.
Consumer complaint received 2023-06-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/2023, I received a letter from Bank of America indicating that they were unable to open a deposit account that I had recently applied for. I immediately contacted Bank of America in writing to report that this application for a deposit account in my name was fraud. I requested that they investigate this fraud and report back to me what they were able to uncover in writing within XXXX days. No response was received, so I sent a second letter to Bank of America on XX/XX/2023 again requesting that they investigate this attempted fraud and report back to me in writing within 10 days what they were able to find out. This second deadline has come and gone without any response from Bank of America.
Consumer complaint received 2024-05-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (AZ)

I am writing to bring to your attention a serious concern regarding the accessibility of services provided by Citigroup, particularly in relation to individuals with disabilities. Specifically, I recently signed up for a Citi Simplicity Card to take advantage of the balance transfer option, which offers 0 % interest on transfers for 21 months.

However, my attempts to seek clarification on the parameters of this offer were met with significant obstacles. Upon contacting customer service, I was confronted with a phone system that relies solely on voice recognition. Unfortunately, this system does not provide an option to reach customer service directly but instead repeatedly transfers callers to the fraud department without explanation. As someone who suffers from a neurological disorder in the form of a XXXX and XXXX, I rely on accessibility options to effectively communicate over the phone. This voice recognition system effectively prevents individuals with communication issues from speaking to anyone at the bank, as it defaults to hanging up if it can not understand the caller, rather than transferring them to a customer service representative. 

As someone who suffers from a neurological disorder in the form of a XXXX and XXXX, I rely on accessibility options to effectively communicate over the phone. Unfortunately, I found no such accommodations available during my interactions with Citigroup 's representatives. Despite my explanations and requests for assistance, I was consistently met with disregard and, in some instances, outright dismissal. 

My XXXX should not be a barrier to accessing essential financial services, yet I have been effectively prevented from managing my account due to the lack of accessibility options and the disrespectful treatment I received from Citigroup 's agents.
Consumer complaint received 2023-10-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NV)

I did my taxes and my refund was going to be in direct deposit. So since my wife and I filed together we thought we could receive the refund since we filed together but when the deposit hit the account they closed it because I wasnt owner of account. Its Been almost 10 months and they havent sent the fund backs they are holding on to my money and dont want to comply
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (GA)

XXXX XXXX Re : Santander consumer Account Number : { XXXX } To Whom It May Concern, I have received my credit report and I have contacted numerous times and even disputed it with the Credit Bureau . I am requesting a Goodwill Adjustment to remove the late payment ( s ). 
All late payments were from late XXXX until early XXXX during the pandemic, and financial crisis. Before this time frame I paid more than asked ahead of time. 
I know this request is unusual, but it is ruining my good credit standing. I have had a mishap, and realize things happen. If you look at my records, I was always on time. The late payments are being reported and I am requesting the removal of these late payments, as it has been reported to the Bureaus. 
Sincerely, XXXX XXXX _________________________________________
Consumer complaint received 2023-08-12
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: Experian Information Solutions Inc. (MN)

15 U.S. Code 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

15 U.S CODE 1861 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT I have student loans on my report from DEPT OF EDUCATIONXXXX XXXX XXXX that shouldnt be posted without my permission. I have attached a copy of my letter from the US Department of Education showing the loan has been forgiven in full, so I should not be seeing anything on my report from them.
Consumer complaint received 2024-05-06
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC (TX)

The amount of interest is absorbent and beyond reasonable for a payday loan. Also, from my understanding in Texas you should not be charging more than 10 % interest by law. Also, my initial amount was {$100.00} and I paid that off and I then requested {$420.00}. All I wanted was a short term small amount of money with reasonable payments but that's now ballooned to {$590.00}. I understand my payment became past due as a result of my own financial struggles taking care of my daughter who is ill. I am not refusing my obligation but I can not afford {$590.00} payment.I can make a reasonable payment of {$130.00} every XXXX weeks to resolve this loan repayment. 

I keep receiving this text : Cash Central has options for your past due bal. Call XXXX for assistance or visit to make pmt. TXT STOP XXXX OPT OUT I have called twice. The first time I called a gentleman answered that I didn't understand. I said hello and the call was released not on my end. I called again and was on hold for a long time then I heard a recording saying call back during business hours ( without business times being provided ) and the call was then released not on my end. 

I am filing this complaint because this loan agreement appears to be predatory. 

I have attached email receipts of payments and agreements, contracts, and online info from the Cash Central website.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-05-06
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY (CA)

I am currently update and not in a situation where I may lose my home. However, years past, I was behind on payments and tried to work with Wells Fargo. I initially thought they were helping me and in desperation signed some paperwork to save my home. Months later I saw that I owed way more on my loan than I initially owed. They didnt lose anything by helping me. They actually gained. They tacked about $ XXXX to my original loan.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL (GA)

I cosigned a loan with Synchrony Bank/Care Credit for my daughter. She is a single mother and having a difficult time financially. She missed payments but probably out of embarassment did not tell me. I could have paid the loan off. The account went to collections. I was not notified in any way. I found out about the problem when I applied for a Home Equity Loan. I contacted the bank and was told that because I was not the " principle '' they could do nothing for me. This issue remains on my credit report causing credit rates to be at higher levels. This is an unfair practice. Why bother with a cosigner? I took this problem to the company through XXXX and received a long inarticulate letter stating that they would not do anything to address the issue. This constitutes an unfair lending practice.
Consumer complaint received 2023-05-06
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Advance America, Cash Advance Centers, Inc. (TX)

Advance America DRS it recently appears on my credit report last month I believe but I haven't opened any new loans or anything since before Covid and I never opened a account or signed anything with that company 2023.
Consumer complaint received 2024-05-06
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation (FL)

XXXXFORTIVA Why did they closed my account when it was paid in full and keep report it to the credit bureau.By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Its my understand that you will recheck these items with the creditor who has posted them, Please remove any. information.
Consumer complaint received 2023-03-13
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. (IN)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-05-05
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (PA)

Found out via email synchrony had closed my Lowes credit card account because of changes to my credit score. The account was active, never missed a payment and in good standing. Synchrony offered no help in this matter multiple times I called stating I could apply again, meanwhile my credit score is about to tank because they closed a 10 year old credit card with a significant amount of credit on it
Consumer complaint received 2024-06-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (NJ)

Discover, one of the nation 's largest lenders, is improperly restricting how loan funds can be used. When extending all non-credit-card products ( including Discover Home Loans, home-equity loans, and Discover Personal Loans, unsecured loans ), Discover explicitly states that the loan proceeds can not be used to pay off existing Discover credit card balances. This restriction appears to violate several laws, including the Equal Credit Opportunity Act ( ECOA ) which prohibits discrimination, the Federal Trade Commission XXXX which prohibits unfair or deceptive practices, and potentially antitrust laws by limiting competition. As a consumer, I should have the right to use my loan funds to pay off my debts as I see fit, regardless of whether the debt is owed to the same lender providing the loan. Discover 's policy unfairly limits my options as a borrower and appears designed to keep borrowers locked into higher-interest credit card debt. 

This is particularly worrisome given Discover 's market power, and the XX/XX/2024 planned consolidation of XXXX XXXX and Discover.