davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-26
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. (NC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$4900.00}.
Consumer complaint received 2023-01-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The credit reporting company is reporting inaccurate information on my account. They are not following the USC 15 codes for consumers. I have called each credit bureau to have them look into the matter. I have asked for original documents for the items reporting on my account they never send them the just say that the account was verified. But as the consumer i am the only person who can verify my identity. The have refuse to remove and update any late payments which are also illegal to report. The can't legally give a consumer the choice to opt into an agreement and not the right to opt out. Legally medical records that are being reported without being verified by me the consumer. I have asked the companies who are reporting these items as well for them to be remove and they refuse to verify, i reported it to the credit bureau and was talked to very rudely and disrespectful. I have not been given any resolve and i should have a good credit score and it is keeping me from being able to live a good life and buy a house. This is defamation of character. They are reporting the wrong address, the have an employer listed who i never gave a written consent to review my personal information this is against the law. Please help.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. I did exactly as the FCRA required me to do and first contacted Transunion about the horrible mistake. They sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letter verification. Why dont you actually research my account history this time and see the errors yourselves? After doing so you will see that it is false to report I was late on XX/XX/2020. Please update and correct my account right away. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-06-11
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I received an email about a CD maturity on XXXX/XXXX/15. I moved out of state. I called on XXXX/XXXX/15 to put in an order to redeem the CD. The rep said he would note the account and it would auto-redeem. I called on XXXX/XXXX/15 to confirm. Rep said no, there are no notes on account and it will not auto redeem. Because I do not have a checking account I need to call back in 15 minutes to talk to CD department. I called back - that rep said no, I need to call back in 45 minutes to talk to the branch. I asked for a supervisor. He told me I needed to make my XXXX call about this CD and call the branch. I asked for his supervisor. He said he could have a department call me back within 3 days. I asked to speak to his supervisor again or XXXX XXXX 's office ... he put me on hold ( for an eternity ) and came back on the line to inform me that someone could call me back today. I am XXXX phone calls into a simple CD redemption and still do not have confirmation the CD will be redeemed.
Consumer complaint received 2023-02-14
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. (CT)

I have been sending dispute letters to the credit Bureau concerning the two listed items on my credit report 1 ) XXXX XXXX XXXX  XXXX 2 ) XXXX XXXX XXXX. I have been requesting the removal of these unknown items because they are not y items and they do not belong on my credit report. I am asking for your assistance after reaching out to the credit bureaus since XXXX XXXX 2022 and never receiving a response or a validation from them. Please assist me with removing the items.
Consumer complaint received 2023-11-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (GA)

In XX/XX/2022 I was doing a monthly balancing of my checking accounts when I noticed a strange withdrawal from XXXX of the accounts. The amount was for a little over {$300.00} and when I looked at the available information on the bank 's website, I knew immediately that this was not a withdrawal I had authorized. So, I quickly called the bank to let them know that I had been a victim of fraud. Over the course of the phone call with the fraud department I learned that because of this withdrawal the bank would be freezing my account and I would have no access to any of the funds in the account ( over $ XXXX at the time ) unless I visited a branch. I panicked because all the funds in that account were there to pay for my family 's bills including my mortgage and not having access to the funds would me we wouldn't be able to pay for anything. I explained to the kind representative that I live in XXXX  and that the bank 's closest branch was a XXXX XXXX XXXX from my home. At XXXX XXXX of this phone call, I had been living in Georgia for almost 9 years and had the bank account over 15 years. I'm not sure what the representative was able to do, but they gave me a XXXX second window to quickly transfer funds from the account to my savings account. Unfortunately, I had funds that were in the process of being withdrawn and deposited that were returned or deposited into the frozen account after I ended the call with the representative. Over the course of the last 15 months, I have spoken with the bank multiple times asking if there was anything I could do to gain access to the money that is now stuck in there ( over $ XXXX ) short of having to take time off work and pay to travel to a branch. I offered to send them notarized proof of my identity. Each time I was told nothing else was possible. Then, about XXXX months after the incident, a representative told me that after 1 year had passed, the account funds in the account would be sent to the state ( XXXX  ) as unclaimed funds and I could use the state 's retrieval process for unclaimed funds to request my money. I waited and once the 1 year mark had passed and the account remained open I called again. This time, I was told that the information I had been given was incorrect and the account would remain open until I visited a branch to close it. Again, I told them I do not live close to a branch and that I haven't for years. Finally, after speaking to multiple people, I was told that I could, in fact, send in a notarized letter requesting my account be closed. I have done this. It has been months and the account remains open and no one can give me information on whether the notarized letter has been received or if they will honor my request. This entire incident makes me wish I had never made that call about the {$300.00} fradulent charge and had just taken the loss. It has been a horrific customer experience.
Consumer complaint received 2023-11-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

XXXX, I initiated the debt validation process by sending my initial request via regular mail to LVNV Funding LLC XXXX Subsequently, I sent two additional debt validation requests via USPS Certified Mail with Return Receipt Requested, each with a unique mailing request number. The tracking numbers for these certified mailings are as follows : USPS Certified Mail Mailing Request # XXXX USPS Certified Mail Mailing Request # XXXX As per the FDCPA, LVNV Funding LLC is legally obligated to respond to my requests for debt validation within 30 days of receipt of the request. However, I have not received any proper validation of the debt in question or any response from LVNV Funding LLC. This lack of response is in direct violation of my rights as a consumer and my rights under the FDCPA. 

I would like to remind you that the FDCPA requires debt collectors to provide verification of the debt and the name and address of the original creditor upon request. It is disheartening to note that LVNV Funding LLC has not complied with this statutory obligation, and as a result, I am left with significant concerns about the validity of the debt in question. 

I am now left with no choice but to report this issue to the Consumer Financial Protection Bureau ( CFPB ) for further investigation and action. The CFPB is responsible for ensuring that debt collection agencies comply with the FDCPA, and I believe it is necessary to involve them in this matter to address these violations promptly.
Consumer complaint received 2020-12-30
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. (GA)

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.
Consumer complaint received 2023-09-04
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc. (CA)

Account XXXX in the amount {$1200.00} is being falsely reported. The creditor has called numerous times trying to collect the debt and has failed to provide me with validation of the debt. XXXX, Experian, and XXXX are also contradicting what is being reported which has concluded that they have also failed to validate the debt. This is being reported as a " revolving '', " closed '', and a " charge-off '' account.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

In XXXX of XXXX, I did a balance transfer from XXXX to XXXX XXXX XXXX XXXX visa ). That payment was accepted and cashed. I believe at the time there was transfer by XXXX XXXX from XXXX to XXXX. However, payments to XXXX were still being sent to the address that they had listed. 
After 2 months the balance transfer was still not showing. So I created another balance transfer at this time. A month later, I called XXXX to find why my account was still showing a balance. I was able to clear up the confusion in XXXX of XXXX. Although, in XXXX of XXXX the correction that was cleared up. A new balance on my credit report as well as new statements from XXXX were being sent to me. 
Harassment from XXXX has persisted since early XXXX.
Consumer complaint received 2024-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

I keep an eye on my account, this morning I had XXXX in my account, went to the post office spent XXXX then XXXX XXXX then i use XXXX to add with my cashapp,. Now I am missing money from my account. so the lady put in a complaint for me, then I asked for a new card with different number, so she then proceeds to tell me my card will take XXXX days before i get it. So I asked her can I get my card Expressed, she said it dont qualify. I have been with this bank for 28 years, my mortgage been with them for 28 years and I purchased a car which was under Well Fargo for 2 years. So I ask I dont get an incentive since I been with you all for all these years they said no. Then continued to ask to speak to an manager, that never happened. I need my card expressed because I have bills that need to be paid on the XXXX of the month and that window of XXXX days so I asked them to let me speak to a manager no luck.. I have been doing business with this bank for 28 years and my mortgage been with them for 28 years. Also i am missing money out of my account and they had to file a complaint. Every one i talked to says the same thing ..MY CARD DOES NOT QUALTIFY FOR EXPRESS DELIVERY.. my bills need to be paid and I need all numbers on the card to change out for the new card they will not accept digital cards of last XXXX digits. I am so upset with these ppl. I hate how Wells Fargo handled me and my problem. they dont consider my situation. The on XXXX
Consumer complaint received 2023-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.
Consumer complaint received 2023-06-30
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. (NC)

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$3400.00}.
Consumer complaint received 2022-10-19
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 2023-11-06
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (AZ)

In early XXXX, XXXX  I moved from XXXX  to XXXX  after a near XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thus, I am unable to use the phone. I reached out to my credit card company, American Express requesting them to update my address and phone number. I sent numerous letters via US Mail to the customer service addresses listed on their website. They will not respond to replace my card or to close my account if they do not want to issue me a new card. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I no longer have access to my old number after it was disconnected and I was transferred to XXXX  for XXXX XXXX. I would like this account updated so I can use it, or closed immediately.
Consumer complaint received 2022-10-25
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: Experian Information Solutions Inc. (FL)

I tried to dispute this closed account with XXXX  balance, because they are reporting with late payment. As far as I know it is illegal. I need a quick resolution for this. 

Account Name : XXXX Account Number : XXXX
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Dear CFPB, I am writing to file a complaint against Equifax, XXXX and XXXX for violating the Fair Credit Reporting Act ( FCRA ) and TILA 15 U.S. Code 1666 ( b ) regarding a billing error on my credit report. 

Please see the dispute letters I attached on this complaint. It consist the account details. 

The presence of this inaccurate billing error on my credit report is causing me significant harm, including : 1. Difficulty obtaining credit at favorable rates.

2. Higher interest rates on existing loans.

3. Denial of credit applications for housing, car loans, or other financial products.

4. Damage to my credit reputation.

I urge the CFPB to investigate this matter thoroughly and take appropriate action against the Bureau involved for violating TILA 15 U.S. Code 1666 ( b ) and the FCRA. I request that the CFPB : 1. Order the credit bureau ( s ) to remove the inaccurate billing error from my credit report. 
2. Require the credit bureau ( s ) to provide me with a copy of my updated credit report reflecting the changes.

3. Ensure that the credit bureau ( s ) take all necessary steps to prevent similar errors from occurring in the future.

4. Consider taking further action against the bureau ( s ) for their violations, including potential fines or penalties. 

I have attached the copies of my dispute letters sent to the credit bureau, and any other relevant documentation for your reference. 

Thank you for your time and attention to this matter. I look forward to your prompt response and resolution of this issue.
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Credit Karma (NY)

I had numerous cards saying I was pre approved and I tried a few and it denied me and put hard inquiries on my credit report, everytime I tried getting some where with credit karma I was told there was nothing they could do. I applied quite a bit for cards that I had ALREADY BEEN PRE-APPROVED on and I was still denied. So they advertised false information
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (NY)

Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc. (NY)

Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Consumer complaint received 2023-11-06
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK (AZ)

In early XXXX, XXXX  I moved from XXXX  to XXXX  after a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thus, I am unable to use the phone. I reached out to my credit card company, Discover requesting them to update my address and phone number. I sent numerous letters via US Mail to the customer service addresses listed on their website. They will not respond to replace my card or to close my account if they do not want to issue me a new card. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I no longer have access to my old number after it was disconnected and I was transferred to XXXXXXXX XXXX XXXX XXXX  I would like this account updated so I can use it, or closed immediately.
Consumer complaint received 2023-04-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

My escrow account shows that on XX/XX/2023 my home insurance was paid in full. However, my insurance company has not received this payment. 

I'm trying to communicate with the mortgage company but their phone number automated answering system does not allow for home owners to talk to a representative. The system keeps stating a payment was made on XXXX ( XX/XX/XXXX ).