davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Last month I got my annual credit report and there were a lot wrong information and inconsistencies on my report I take action right I wrote the credit report bureau right away. the point out the problems on my report and for the the fix the errors, I wrote the letters on the XXXX of XXXX today is the XXXX XXXX I have yet to receive any information or correction from on my report.
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Over the summer, XXXX was involved in and admitted to errors on credit scores that directly impacted me. I filed claims and spoke directly with them to have any negative entries removed from my report. They complied and removed the entries. I wish to file claims for the deletions removed from my accounts and have the information regarding each deletion with a confirmation number. The deletion confirmation numbers are : # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX ; # XXXX I am requesting the other credit reporting companies to follow suit and remove all negative postings on my credit report as XXXX has. Under CFPB I am entitled to {$1000.00} per entry removed and looking for CFPB to have them follow the laws in place to protect consumers and confirm that negative entries were removed from all 3 credit reporting companies : XXXX, XXXX and Experian. 

Also my name is listed as XXXX XXXX. My name is XXXX XXXX. I resumed my maiden name in XXXX and have attached my name change document. I have no idea why anything would have that name in XXXX. I NEVER used the name XXXX XXXX. As the attached document states I used XXXX XXXX ONLY when I was married. My name should appear only as XXXX XXXX. I also do NOT want my address or phone number listed on ANY report or record.
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

CFPB + Experian, This complaint is in relation to a credit account this creditor ( XXXX XXXX XXXX XXXX ) has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.
Consumer complaint received 2024-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-05-30
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: EQUIFAX, INC. (MI)

XXXX, XXXX, & Equifax continue to report incorrect information on me that is causing me significant damages. There are several misspellings of my name and addresses that do not belong to me. In spite of my repeated attempts to get this information removed it remains this is my final notice to each consumer agency before I file for arbitration and sue under FCRA. 

My name is XXXX XXXX there should be no other name or names listed. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX this is my only address any other address is incorrect and not deliverable by the United States Postal service. I have attached proof of this to this compl.
Consumer complaint received 2024-03-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (OH)

I have a savings account and a spend account with Credit Karma. I was having my XXXX XXXX XXXX  deposited directly to the Credit Karma savings account each month. There was about {$2200.00} in the account. Around XX/XX/XXXX, someone hacked into my account, stole all the funds, and closed the accounts. They used the email address : XXXX @ gmail and replaced my phone number with XXXX. I could not access the account and reported it to Credit Karma. I told them I had been hacked and had no access to the accounts. I provided them with several forms of identification ( driver 's license, passport, Social Security card ). After several days of trying to prove my identity and telling them that I had been hacked and my money was stolen, Credit Karma finally allowed me to get into their website, and when I clicked on the savings account I got this message : " Sorry for any inconvenience. At this time, we are unable to open a new XXXX account for you. '' XXXX weeks ago there was over {$2200.00} and now I do not even have an account. Credit Karma closed the inquiry after my ability to access their site and ignored all my protests that I was robbed. Credit Karma customer service is terrible and it is difficult to explain what happened. The only account numbers are the digits on my Credit Karma debit card : XXXX. I am a XXXX XXXX XXXXnd I need these funds. Please help me retrieve my funds. Thank you.
Consumer complaint received 2023-11-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: PNC Bank N.A. (NY)

XXXX XXXX In XXXX XXXX  I received a solicitation call from the individual listed below asking me if i need any help with my business. I explained that i was interested in purchasing a property but as it was commercial i dont think they can help me. The Individual stated that they do commercial loans but its rare. She requested that i send her as much information that i have about my finances including an executive summary i completed. On XXXX XXXX she stated that she is in receipt of the info and that she would be in touch. I have tried several time to get in contacted by email or call. she is slow to respond, and she stopped calling altogether. I also was contacted by a " branch in NY '' asking me if i was being helped but frankly i started to think i was being scammed and i sent her all my info, including that of my spouse. The last time i called it forwarded the email to another person because she was on vacation. However since I dont have an official application i didnt think he could help me. 

Vice President Business Banking- Relationship Manager PNC Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX PA XXXX P : XXXX F : XXXX XXXX XXXX
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

In accordance with the fair credit reporting act XXXX Account XXXX XXXX XXXXXXXX, has violated my rights. 
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.
Consumer complaint received 2023-04-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I recently submitted a claim about a garnishment on debt that I received requesting more documentation. The documentation provided back doesnt make sense. If the original debt was purchased in XXXX, and I supposedly missed a court date and the garnishment got defaulted to Portfolio Recovery and they state the garnishment was sent in XX/XX/XXXX years later and now Im being garnished in XXXX for the same supposed garnishment that was sent in XXXX something doesnt add up. I would think first and foremost this debt would be over the statue of limitations and secondly I need more information on what was sent and where from XXXX to current that would justify a garnishment 6 years later with no information provided to me in that timeline or chance to respond to the claim. The letter that was provided in part to there response is dated XXXX.
Consumer complaint received 2023-06-17
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. (FL)

I am trying to obtain a new vehicle and I have realized I have damages on my credit report, with unauthorized credit inquiries on my report and it is stopping me from obtaining my vehicle. According to the 15 U.S.C 1681 there should not be any damages on my report its a defamation of my character.

I have disputed and contacted my credit bureau 's who have tried to help me resolve this issue, but the items keep coming back on my report, please help me resolve this issue as it is stopping me from obtaining a future home. According to the FCRA, these unauthorized items must be removed. 

I am currently speaking with a representative and they have informed me they are unable to remove the inquires and negative accounts off of my report. 

I have inquires from XXXX XXXX  dated XX/XX/21 & XX/XX/21 XXXX  XXXX dated XX/XX/21 XXXX XXXX XXXX dated XX/XX/21 the list goes on please help. 

I will attach proof of residency and identificarition along with dispute results.
Consumer complaint received 2023-01-24
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. (FL)

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 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 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (CO)

I was working with a loan originator who Ran my credit after I asked her not to, causing my credit score to lower. I have been trying for Years to raise my score so this was very upsetting.
Consumer complaint received 2022-09-17
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. (AL)

I recently received a copy of my credit reports and found that the credit reporting agencies are illegally reporting inaccurate and false information about me. The following alleged accounts are listed as a collection with a balance This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards. 

According to the Fair Credit Reporting Act, I have the right to a fair and accurate credit report, and the credit reporting agencies are required to remove any information that is NOT TRUE, ACCURATE, AND VERIFIABLE. 
Please remove this inaccurate account information IMMEDIATELY from my credit report and send the updated report showing your compliance with all FCRA laws and METRO 2 Reporting Standards as well as these accounts removed XXXX XXXX - {$220.00} XXXX XXXX- {$560.00} XXXX  - {$560.00} XXXX XXXX- {$660.00}
Consumer complaint received 2024-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

On XXXX the XXXX I was in XXXX XXXX and went to an ATM to get cash to pay my apart hotel. While making the ATM transaction the ATM rebooted itself and after a process of fifteen minutes didn't give me any money and didn't give me my debit card bank. Anyway the bank debited the money and a fee for non Wells Fargo transaction fee. I travel for work often to XXXX. This was from our business acount checking acount. I reported the problem inmediately and requested a credit and a debit card replacement. The bank closed the claim without crediting the money, replace the card and notifying us about any investigation. I'm sure the bank counted the money and was a surplus of money at the ATM but Wells Fargo want 's to save time and money by just not taking any action.
Consumer complaint received 2023-04-12
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. (GA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX Date XXXX Balance : {$1200.00}
Consumer complaint received 2021-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

All 3 credit bureaus continue to report bankruptcies that don't belong to me ... ... all 3 claim to have verified these bankruptcies with the courts ... but the courts clearly state that they don't provide any information to any 3rd party including Credit Bureaus. So these bankruptcies are being reported incorrectly ... inaccurately and unlawfully ... .per the FCRA.
Consumer complaint received 2024-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (CA)

XXXX was closed and ignored by both the CFPB and NewRez. See attached the foreclosure documents left on my front door to indicate a sell of my property in XXXX.
Consumer complaint received 2024-06-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services (FL)

Subject : Complaint Regarding Disputed Debt Collection Practices by Viking Client Services and XXXX XXXX XXXX Dear Sir/Madam , I am writing to file a formal complaint against Viking Client Services and XXXX XXXX XXXX regarding an erroneous debt collection claim that violates the Fair Debt Collection Practices Act ( FDCPA ). 

Details of the Complaint : - Amount : XXXX - Debt Collector : Viking Client Services -Date of Incident : No details were mentioned in the letter from Viking Client Services XXXX But the claim was regarding a rental vehicle. 
- Creditor : XXXX XXXX XXXX On XX/XX/XXXXXXXX XXXX XXXX, I contacted XXXX customer care and was informed by a representative that I did not owe any outstanding debt. I returned the vehicle in perfect condition on the past few occasions when I rented a vehicle through XXXX, and no additional charges were mentioned at the time of return ( receipts of payments attached ). 

Despite this, Viking Client Services has contacted me, claiming that I owe XXXX a debt. This claim is incorrect and may result from a clerical error or miscommunication between the entities involved. Furthermore, I have not received any communication from XXXX XXXX XXXX regarding any outstanding payment, which leads me to believe that the debt is not legitimate. 

Additionally, the letter from Viking Client Services does not provide any details about the charge, such as the nature of the alleged debt or any specific transaction details. This lack of information further complicates my ability to verify the claim 's validity. I have requested verification of the debt from Viking Client Services but have not received adequate proof to substantiate their claims. 

I am concerned that this erroneous debt collection attempt is not only causing undue stress but may also potentially harm my credit rating. I believe these actions violate the FDCPA and request the CFPB 's assistance in investigating and resolving this matter.

I kindly request that the CFPB take the following actions : 1. Investigate the debt collection practices of Viking Client Services concerning this matter. 
XXXX. Ensure that XXXX XXXX XXXX corrects any inaccuracies in their records related to my account. 
XXXX. Ensure that any negative information about this disputed debt is removed from my credit report. 

Thank you for your attention to this important issue. I appreciate your assistance in resolving this matter promptly and fairly.
Consumer complaint received 2023-04-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Back in XXXX  i was trying to purchase a condo, they told me if I dont make an arrengment with them of payment my credit has gone to badbebt credit burue I had to make payment arrengment with account that I don know about nor they show mw proof of account due by me and it was reguested am still paying to Porfolio collecting
Consumer complaint received 2022-11-28
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. (NJ)

I have new information and a new police report for XXXX  XXXX with the account listed and the false amount owed. Also XXXX is still reporting XXXX XXXX XXXX which is removed and also they are reporting a account for lXXXX XXXX which is a collection account for XXXX XXXX which was removed in the past for id theft and also XXXX is still reporting XXXX XXXX XXXX which was removed already by XXXX but XXXX is still reporting and credit first as late but it has a XXXX balance and was credited the amount so therefore its no way it could be late credit first account was not updated to paid in full as the account was credited so it should not show as late
Consumer complaint received 2017-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Had a Capital One credit card account. Paid offin XX/XX/XXXX. Balance was XXXX. I believe I requested the account to be closed. Since XX/XX/XXXX, unauthorized carges appeared. Now the total charges arr about {$170.00}. Asked them to remove the delinquent reporting as these are fraudulent charges. They wo n't do it and are saying that these are my responsibility and all they could do it mark it as satisfied if I pay the entire amount which were again, unauthorized. I asked them if they would remove these reportings if I make the full payment even though these are fraudulent as i do n't want to invest too much time for something less than {$200.00}, but they wo n't remove the reportings.
Consumer complaint received 2023-05-21
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: Experian Information Solutions Inc. (VA)

Someone stole my credit card then used it fraudulently. I contacted the card user about the fraud. I sent the card issuer an identity theft affidavit & a police report. XXXXXXXX XXXX the card issuer, is refusing to remove the negative information from my credit report thereby violating the fair credit reporting act.
Consumer complaint received 2017-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

several accts were previously mentioned : XXXX XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX have reported to me the accounts are no longer due. I have sent this information certified mail and am lied to my face over the phone saying they never got the letter I sent XXXX times now. all bureaus refuses to remove data and insist on reselling it. motion to sue demanded under any jurisdiction or level. refusal to comply is not an option under fcra. complaint is escalated and never resolved. complaint is not frivilous, I have letters in my hand.
Consumer complaint received 2023-06-17
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. (CT)

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 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : INCORRECT NAME : XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-29
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. (FL)

I sent a request to investigate inaccurate account information on my credit profile on XX/XX/2023 and XX/XX/2023 Its now been 45 days since I sent my inquiry, but I have yet to receive a response. 
Im looking to purchase a home and the inaccurate records on my profile are stopping me from achieving my dreams.