davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-02
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: Credit Karma (VA)

hank you for submitting your complaint through the Consumer Financial Protection Bureau ( CFPB ) and for allowing us to respond. In your complaint, you state you have incorrect inquiries on your credit report and you need a replacement debit card. Your desired resolution is to have your replacement debit card with your middle initial or full middle name. On XX/XX/XXXX, you contacted Credit Karma via email in case # XXXX that you needed a replacement debit card due to having your middle name incorrect. On XX/XX/XXXX Credit Karma responded back explaining that it was a case of too many characters in your full name to fit on the debit card. On XX/XX/XXXX when you responded back confirming that the replacement card can be sent to the address on file, instructions for requesting the replacement debit card were emailed to you and again on XX/XX/XXXX. On XX/XX/XXXX the case was closed due to no response and a replacement card has yet to be ordered. To get a new card, please use the following instructions and we will be glad to have your name corrected : Access your Credit Karma Money Spend account. Select Settings. Select Debit Card & ATM Usage. Select Request a new card. On the confirmation screen, select Request a new card to confirm that you want a new card sent to your mailing address. Regarding your XXXX taxes, you can reach out to XXXX at XXXX as we do not have any information regarding tax filings. All accounts and personal information you see listed on Credit Karmas app/website comes directly from the credit bureaus, XXXX and XXXX. Since Credit Karma is not a credit bureau, we are unable to make changes to your credit report. If you see unauthorized hard inquiries on your credit reports you can file a dispute with each credit bureau listing the information or with the lender reporting incorrect account details to the credit bureaus. For more information on how to dispute incorrect information on your credit report please visit https : //www.creditkarma.comXXXX Thank you for allowing us to respond to your complaint. Credit Karma strives to provide the best service to all of our members and we are sorry that we did not meet your expectations. We will strive to do better in the future. If you have additional questions, please feel free to submit a support case at https : //support.creditkarma.comXXXXe or call XXXX and we will be happy to help.
Consumer complaint received 2022-10-22
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. (SC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Medical XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NY)

I have reached out to Citi Bank on multiple occasions, most recently a notarized request, regarding their reporting of a settled account. Each time I reach out to Citi Bank referencing the account number THEY ARE REPORTING to all three credit bureaus, Citi Bank replies that this account number is invalid or incorrect. *see Citi 's attached response I am assuming this is Citi Bank 's way of getting around an actual reply... to say they don't know what I'm talking about even though I'm referencing THEIR reported account number.
Consumer complaint received 2017-04-03
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (GA)

In XX/XX/XXXX, my fiance and I, bought a home in the neighborhood where we had been renting for years. We had XXXX son and I had taken a leave of absence from work to be my mother 's XXXX for my mother who was in XXXX, we could n't bare a XXXX for her. After the 3 or 4 years we cared for her and her condition had worsened to the point that all I was doing was breaking down on a daily basis just to make myself keep her out of a XXXX and home with us. It is a situation that no one should have to witness their most loved parent endure. In XX/XX/XXXX, we had a son born after having to do the most difficult. So, while XXXX I returned to school before I returned to the work place where I was a XXXX, because I wanted to receive my XXXX degree, so to have that also under my belt. XXXX my fiance, working to support everyone. 2 months of finishing my classes, I was XXXX to our child, so I decided to wait, then go back fully refreshed and ready. About 3 weeks home with a new baby, I was very tired and sick, thinking it was all that come with XXXX my baby. I not only contracted a XXXX, I underwent XXXX for the next 6 months, I was diagnosed with the XXXX, XXXX. Then 3 weeks later rushed to the XXXX and was diagnosed also with XXXX, my XXXX was only at an XXXX caused by a XXXX and XXXX to unrepairable, inevitably needing a XXXX at age XXXX. With a son in his XXXX and a new baby, it has taken so many obstacles, to get to where we are right now. Needing a XXXX now to reattach a lead in my XXXX and XXXX, it took me 4 year 's to receive my XXXX. Wells Fargo ask us how long we felt that our hardship would last, we choose 6 months and longer. Well, it did, we had a preservation specialist, named XXXX, worked hard with us as we did with her, but we were struggling, financially emotionally in every way. We could n't complete a few modifications, everyone after XXXX, caused more XXXX, saying they had not received something, I keep everything!!! I was broke I had gotten so XXXX and relationship family and the way we handled things was broken. Our last modification was given to us around XX/XX/XXXX, it was a good one and like always we started making the trial payments but failed after 2, not knowing what to do XXXX had filed bankruptcy again. SSA settled my XXXX in XX/XX/XXXX or XX/XX/XXXX, and we ca n't get anyone to acknowledge our circumstances now. Now that we 've overcome so much and have grown, spritually and needing to get to XXXX University to take care of my XXXX, we ca n't get this last chance Wells Fargo wo n't acknowledge us. Please help us, we just want this last chance to make this good and keep our home. Oh and this home is XXXX of XXXX that is in a flood zone and Wells Fargo keeps raising what limits they want us to hold, but we pay almost {$2000.00} a year in flood insurance. More than our homeowners and property taxes each year. After the icestorm in XX/XX/XXXX, FEMA did n't pay us for damages XXXX did, but our roof still leaks in XXXX rooms where the ceiling is coming down recently.
Consumer complaint received 2021-01-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

Equifax, XXXX and XXXX have overused their power of being consumer reporting agencies. With the unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus " are not operating with in the boundaries of FCRA and FDCPA
Consumer complaint received 2022-11-29
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)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-11-29
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. (CA)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} ; XXXXXXXX XXXX XXXX XXXX XXXX Owed : {$2600.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$3500.00} ; XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$9400.00} XXXX XXXX XXXX XXXX Balance Owed : {$5700.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX XXXX Owed : {$13000.00}.
Consumer complaint received 2023-07-12
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: EQUIFAX, INC. (FL)

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and anxiety. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
Consumer complaint received 2022-11-29
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)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX  XXXX XXXX XXXX Owed : {$2600.00} ; XXXX XXXX  XXXX XXXX XXXX Owed : {$3500.00} ; XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$9400.00} XXXX XXXX XXXX XXXX Balance Owed : {$5700.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX XXXX Owed : {$13000.00}.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Affirm Holdings, Inc (WV)

My name is XXXX XXXX. I have an account with Affirm. Affirm is a buy now pay later option on purchases. The name on my affirm account is XXXX XXXX which is incorrect. I wrote a letter to Affirm several years back and provided proof of my legal name change. It was never updated. On XXXX a loan was taken out on my Affirm account for a purchase with XXXX XXXX XXXX XXXX XXXX. The purchase price was {$2200.00}. I did NOT purchase anything from XXXX. I did NOT make the purchase, approve the purchase or have anything to do with the purchase. I contacted Affirm and they told me I had to contact XXXX. I contacted XXXX and they told me to contact Affirm. XXXX did provide me the order information that showed who ordered it and what address it went to. The same person ALSO tried to use my bank account to pay for the purchase. I reported that to my bank XXXX XXXX  ) and Affirm and both entities worked together to get the transfer stopped and the money was put back in my account. BUT Affirm still wants me to pay for the product. I have filed complaint after complaint to get this unauthorized purchase OFF my account and OFF my credit but nobody will remove it. The person that purchased the bag is not an AUTHORIZED user on my Affirm account either. XXXX XXXX is not authorized to use my Affirm account. It doesn't matter if we USED to share the same last name that doesn't make it ok nor give her permission to use my account. I submitted bank records showing the reversal of payment, I sent the order from XXXX showing that it didn't come to my address, I submitted all my other affirm loans and payment history to show I am responsible and pay all those on time, etc. This was eventually sent to collection XXXX XXXX XXXX XXXX. XXXX XXXX had me submit them the same documents and they told me they WOULD NOT collect on it for Affirm because they feel it to be fraud / unauthorized. So XXXX XXXX sent it back to Affirm to deal with. I mean if the collection company doesn't even want to be involved that has to tell you something. But Affirm continues to send me letters telling me I am responsible to pay and its reporting negatively to my credit and hurting my credit. I want this addressed.
Consumer complaint received 2023-03-05
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account, Account Name : XXXX XXXX XXXX XXXX XXXX 
Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXXXXXX Account Number : XXXX, Account Name : XXXX XXXX  Account Number : XXXX, Account Name : AXXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Name : XXXX Account Number : XXXX XXXX, Account Name : XXXX XXXX  Account Number : XXXX XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX  XXXX Account Number : XXXX, Account Name : XXXXXXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : 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 2022-11-29
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. (SC)

This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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 2023-01-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CADENCE BANK (TN)

On XX/XX/XXXX I went to open a account with cadence bank XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX United States I did a XXXX deposit on XX/XX/XXXX I called into customer service to get my card rushed which was a additional XXXX XX/XX/XXXX I received the card and tried to activate it I was unable too when I went back to the branch I was notified that my account was shut down do to fraud with no explanation there is nothing on my record that shows fraud at the time she gave me the XXXX left in the account but said she would have to reach out to customer service about the XXXX for rushing the card I was unable to use since XX/XX/XXXX I have reached out to the manager 2 times with no response why would I be responsible for paying XXXX for a card that was not even used today XX/XX/XXXX I reached out too the customer support team and was told there is nothing they can do I have to talk to the branch manager but the branch manager will no respond
Consumer complaint received 2023-07-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A. (AL)

On XX/XX/XXXX I made a XXXX tranfer in the amount on {$100.00} and {$25.00} to from my pnc to my XXXX account.PNC deducted that amount from my account then and also on XX/XX/XXXX and told me it was a pending payment but at the time I did the transaction that amount was taken from my account.Also I had a similar problem that I had disputed three times and on XX/XX/XXXX they deducted XXXX dollars from my account that already had a negative balance from the XXXX issue and caused not only more overdraft fees but also left me with no money since my overdraft coverage was apparently cut off as well.This has happened multiple times and they refuse to accept that they are still taking double from my account even though Ive talked to 4 Pnc employees that are in agreement with me.Also I have offered each time to show the statement from my XXXX XXXX  account when the transfer was made and get ignored
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (TX)

Late payments on this account should have been reported st current under 15 U.S.C. 1681s-2. A forbearance for the XXXX payment was entered into with Flagship, which put the payment at the end of the loan.. Other special accommodation was enters as well for a moved payment from XXXX XXXX XXXX XXXX as agreed on XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the president signed the CARES Act into law, which among other things, provides new consumer protections to consumers impacted by the COVID-19 pandemic. 
Section 4021 of the CARES Act amends the FCRA by adding a new subsection ( F ) to Section 623 ( 15 U.S.C. 1681s-2 ( a ) ( i ) ) to the reporting obligations of creditors that provide an accommodation to consumers affected by COVID-19 who have requested accommodations during the covered period of the COVID-19 pandemic. The covered period began on XXXX XXXX, XXXX and ends 120 days after the later of ( a ) enactment of the CARES Act ( i.e., XX/XX/XXXX ) or ( b ) termination of the presidents COVID-19 outbreak national emergency proclamation.CARES Act offers the following protections : If the consumer was current on an obligation at the time of an accommodation approval, the account must be reported to CRAs as current if the consumer is complying with the accommodation agreement. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( I ).

AND CARES Act offers the following protections : If the consumer was current on an obligation at the time of an accommodation approval, the account must be reported to CRAs as current if the consumer is complying with the accommodation agreement. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( I ). 

AND If a delinquent consumer manages to catch up during the accommodation period, the creditor or other furnisher must then report the consumer as current. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( II ) ( bb ). 


I was current as of XX/XX/XXXX, all payments were caught up. The account was not in charge off status. 

All periods of lates fall under the accommodation period because the forbearance added a payment to the end of the loan. 

Further, multiple times the loan had an accommodations due to financial hardship from covid- I lost my entire business starting in XXXX of XXXX. 

There are 19 violations of late payments that disregard the CARES Act Reporting. 

I have tried in XX/XX/XXXX to have the credit bureaus and this company remove the late payments under the 15 U.S.C. 1681s cares Act updates to FCRA. I also tried in XX/XX/XXXX and XX/XX/XXXX. 

I have continued to be financially harmed by this negative account that is in direct violation of Federal Law CARES Act under Section 4021 of the CARES Act amends the FCRA Section 623 L15 U.S.C. 1681s-2
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.