davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Acra Intermediate Holdings, LLC (CA)

Citadel Servicing originated and now services my mortgage. My small business has been adversely affected by the pandemic and government-mandated quarantine. I am collecting unemployment but unable to make my mortgage payments due to my payments being XXXX per month and my unemployment being {$1800.00} a month. Citadel is not following the industry norm and allowing up to 12 months of forbearance like the government-backed loans are required to per the Cares Act. They are foreclosing on my home and have issued me a notice of intent to foreclose. I find it reprehensible that they would do this to a small business owner in the midst of a global pandemic. Its not my fault that the government has shut my business down. Now they want to ruin my credit and take my home. They earlier agreed to a forbearance but will not extend the forbearance for 3 more months. As the pandemic continues and quarantines and moratoriums are extended, they should follow suit. I think it is very unethical what they are doing to me considering the environment we are in and the fact that I have no control over this pandemic or government-issued restrictions impacting my ability to earn an income.
Consumer complaint received 2023-01-02
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: EQUIFAX, INC. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$410.00} ; XXXX XXXXXXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00}
Consumer complaint received 2021-01-09
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Equifax XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to provided within fifteen ( 15 ) days of the completion of your reinvestigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding the alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. 
I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. 
I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Consumer complaint received 2021-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Synovus Bank (IL)

During my application process as part of getting it I sent a XXXX dollar deposit to the company first progress. The amount was charged and taken by the company and I have never received my card. When I looked the application it needed a copy of my driver 's license which was expired XX/XX/XXXX because I needed to renew it but because of covid-19 closing the DMV in my area I can't get it renewed. So since it's expired the company denied my application but never returned my deposit and I still don't have my card. I futher more want to cancel my application and want me {$300.00} returned. There is no contact number or option on their website to fix the problem..
Consumer complaint received 2023-01-02
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-01-09
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (TX)

I attempted to open a new checking account and was told I couldnt due to a hold on my credit from US Bank. The account had been closed several years ago in person in the branch. US Bank is claiming I owe money that I do not. I contacted them for the documents and they have refused to produce proof of money owed, statements, or anything else. I spoke with supervisors that said they would send them and now they have sent nothing and will not respond. Their representative told me they would not speak with me until I paid the account! I do not owe anything and this should be fixed immediately on my credit and the hold removed.
Consumer complaint received 2021-01-09
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC (CA)

On XXXX XXXX Veterans United Home Loans of Texas didn't approve my VA Loan for a mortgage and home purchase. 
My credit was pulled without my written consent and now my credit scores took a downfall because of recent unauthorized credit pulled on my XXXX, XXXX and XXXX. 
I was Declined or Denied because of Lifetime XXXX and my National XXXX XXXX XXXX XXXX. 
I have applied for a VA Loan in XXXX  and I was declined and Denied and Veterans United Home Loans saved my social security and private information on their data and shared my information with other companies. 
I am XXXX Lifetime and a XXXX XXXX XXXX XXXX Veteran.I have explained XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX that I was able and there should be a accommondations on my XXXX XXXX XXXX XXXX XXXX Department of Justice. 
Both of them didn't respond on my XXXX XXXX as Veterans United has a copy of my California Drivers License and My Lifetime XXXX information and documents from around XX/XX/2019 till Present. 

I respectfully didn't sign no authorization to pull my credit and I didn't authorize verbally neither.
Consumer complaint received 2023-06-26
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: Experian Information Solutions Inc. (PA)

My credit card was used without my knowledge and I contacted the company on several occasions and they are now reporting on my credit report as delinquent. opened card on XX/XX/XXXX and fraud took place in or around XXXX of XXXX.
Consumer complaint received 2023-01-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation (FL)

I am a victim of identity theft which I reported last year. This debt was on my credit report and I reported as fraud. It was removed from my credit reports. The collection agency has once again added it back on my credit report! I never opened an account and have explained it multiple times to them. Please remove this account from my credit report
Consumer complaint received 2023-01-02
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: EQUIFAX, INC. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX  XXXX XXXX Balance : {$560.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1900.00} XXXX  XXXX Balance : {$3800.00} XXXX  XXXX Balance : {$3400.00} XXXX  XXXX Balance : {$5100.00} XXXX  XXXX Balance : {$3800.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-01-09
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A. (MD)

I closed my savings and checking account with Citibank on XX/XX/XXXX. I was told the account was closed. On XX/XX/XXXX, interest of {$.00} hit my account. Instead of sending me this interest and closing the account, Citibank charged me monthly service fees and overdraft fees. I called on XX/XX/XXXX request account closure again. The representative reversed the fees and promised to close my account. However my account was still not closed ( because of a {$.00} interest payment balance ) and now I am being charged monthly service fees and overdraft fees again. I called on XX/XX/XXXX and they are refusing to reverse the fees and close my account. This is entirely their fault as I tried to close my account.
Consumer complaint received 2021-01-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (WA)

Called bank to close my account in mid XXXX. Bank was supposed to mail a cashiers check for $ XXXX which was my account balance at time of closing. As of XX/XX/21 I have not received my check.
Consumer complaint received 2023-01-02
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. (MS)

I want to inform the credit bureau AGAIN that I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX ; XXXX  XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$200.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$480.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$770.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2021-01-09
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. (TX)

This has been going on for 18 months. XXXX  XXXX XXXX is incorrectly reporting payments. I consolidated my student loan with XXXX in XXXX of XXXX, paying off XXXX  XXXX completely. When we went to buy a house in early XXXX, we found that they were saying I was 120 days late as of XX/XX/XXXX. When we submitted a dispute, they told us it was correct. I went to check the emails they sent to my mailbox on their system and they were no longer available because the account was closed. They continued to report it wrong until I finally a lawyer involved. So he started to challenge the entries on my credit report and every time he does, XXXX  XXXX XXXX  reports to my credit reports erroneously which then lowers my credit score even more. This is retaliation because we want them to report correctly and correct their mistakes. Eventually, they correct the mistakes, but it does not correct the damage they have done. It has happen again where they are saying I am 120 days late as of XX/XX/XXXX when they were paid in full in XXXX of XXXX. 

This is costing me the chance to buy a house and thousands in high interest rates. I don't know where else to turn.
Consumer complaint received 2021-01-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (FL)

XXXX sent us a final notice in XX/XX/2020 of {$160.00}. I paid that bill over the phone with a manager. They sent us another notice in the mail here in Texas for the same amount in XX/XX/2020. I called them and confirmed that the balance is {$0.00}. Because the account is closed and I no longer have access to the security account, the representative will not mail me a receipt. Additionally, despite the {$0.00} balance, XXXX sent over a collection notice to the same agency, Credit Collection Services in XX/XX/2020. They also said it was an error, and promised to report it to the collector. They have not. Credit Collection Services is fraudulently demanding {$690.00} on a PAID {$160.00} bill with XXXX.
Consumer complaint received 2023-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Neon Newco Corporation (TX)

XXXX for XXXX on XXXX separate transactions. Someone was able to obtain my card information, then use my card at a ATM and withdraw my money without no restraints. NetSpend told me I would have a update on XXXX, but for some reason I honestly think they careless, and will not take action to investigate this criminal activity.
Consumer complaint received 2021-01-09
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 am not responsible for this account. Please have Equifax stop reporting me late 19x This is destroying my credit. I am being denied credit for the most basic store cards to help try and get some kind of cash back $ so I can actually save some money
Consumer complaint received 2015-10-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Screening Reports Inc. (CA)

I will like to have the inquiry removed from my credit I never authorized to processed never signed a document to review my credit for a rental apartment. we where going to process but the last minute I said no I do n't want it. please email me back XXXX or call XXXX
Consumer complaint received 2023-05-17
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. (GA)

This is the several endeavor that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were 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 is not information relating to any transaction by the consumer. 
XXXX XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX, XXXX XXXX  I XXXX Balance : {$300.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-01-09
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have disputed Portfolio Recovery Associates account XXXX and they responded with the false claim that they " investigated '' my complaint but failed to provide any competent evidence of the alleged debt other than some fake statements. Please investigate the alleged transactions on the alleged statements and other facts and delete as I have no knowledge of this false account.
Consumer complaint received 2024-03-16
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. (NC)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXXXXXX : {$500.00}
Consumer complaint received 2021-01-10
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. (CA)

I have been disputing the following inaccuracies since early XX/XX/2020 which can viewed directly through the Consumer Financial Bureau from previous complaints I have submitted regarding this same issue. On XXXX XXXX the creditor XXXX XXXX XXXX the original creditor is XXXX XXXX XXXX. the reported account number that is shown in connection with this inaccuracy is # XXXX. This account was dismissed by a License California Judge court ordered dismissal yet they refused to remove this account on several occasions dating back to XXXX of 2020 when I first dispute this account the credit bureau will temporary remove the account off of my credit file and then weeks later add it back which I have proof of, They have done the same with other inaccurate accounts such as XXXX XXXX XXXX  which has been paid off since XXXX XXXX which I have provided the receipts proof of to the credit bureau once again they refuse to completely remove their inaccurate information provided on this account and keep it off of my account they will once again remove it for a couple of weeks and the add the inaccurate information back. Credit bureau has also reported XXXX XXXX  as a delinquent /closed account which is inaccurate I provided them with the proof of the paid off account several times via digital through the CFPB and by physical mail yet they refuse to remove this account as well since early XXXX of 2020 also temporary removing the inaccuracy just to add it back a couple of weeks later.
Consumer complaint received 2023-05-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX You are in violation of The Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX, XXXX NC has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.

Remove these late payments update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 

XXXX XXXX
Consumer complaint received 2021-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I Have been a victim of Identity Theft for a few years now. ( XXXX  XXXX  ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX  XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!