davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-26
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: Experian Information Solutions Inc. (NJ)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

An offer letter was received in the mail to open a new account. I opened the account on XXXX, using unique offer code ( XXXX ) and set up a qualified direct deposits to be directed to this new account. If the above was met and {$4000.00} in direct deposits were received within 90 days of account opening, a {$300.00} bonus would be deposited into the account within 60 days. The qualifications were all met on XXXX ... and several BoA customer service reps. confirmed same. So, the bonus should have been deposited by XXXX. As of XXXX, it still has not been done. 

Called on XXXX an spoke to rep. She confirmed that all qualifications were met on XXXX. 

Called on XXXX, spoke to XXXX. He also confirmed that all qualifications were met on XXXX. This was after first rep. spoke to said that qualification wasn't met?! He said he sees this often, that the bonus is deposited after the 60 days and assured me it is likely it would be deposited the first week in XXXX. He filed a 'complaint. ' I trusted him but it was not ... 

Nothing came of last call so I called on XX/XX/XXXX and was on phone for > 2 hours and spoke to about 4 people of increasing authority, ending with XXXX. Escalations were filed, XXXX said he would call me back ... XXXX said all looks fine and bonus is in line, one rep. said they still have more time to pay the bonus, etc. It was all over the place. XXXX seemed to understand and want to help, but still not word and no bonus. 

I was thinking this was isolated to me, but am thinking this might be a systemic problem in order to pull in new customers ...
Consumer complaint received 2021-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (CA)

Year XXXX XXXX XXXXXX/XX/XXXXcredit card charged off in XXXX But now back on my credit score and I would like for it to be removed
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

XXXX Account number XXXX LATE PAYMENT XX/XX/2023 XXXX XXXXXXXX XXXX Account XXXX XXXX NOT MINE I DON'T RECOGNIZE THIS ACCOUNT
Consumer complaint received 2023-03-03
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: REGIONS FINANCIAL CORPORATION (GA)

I applied for the BP business solutions gas card in XXXX with the wrong EIN, so the representative on the phone deleted the application and processed a new one in XXXX. I never heard back from them, and they already pulled my credit on XXXX. I had a XXXX at the Time and still have good business credit. I called multiple times and never received an approval or denial or anything in the mail.
Consumer complaint received 2023-03-03
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. (IL)

In accordance with fair credit reporting act XXXX XXXX XXXX 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 2682 section 604 A section 2 : it also states consumer reporting agency can not furnish an account without my written instructions.
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 is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

On XXXX I deposited a payroll check onto the USAA mobile app, and all messages stated funds available immediately but once deposited the funds were placed on hold until XXXX. When reaching customer service and trying for over 5 hours to resolve it, they claimed they could not access banking system, and we're unable to find a reason why the funds were placed on hold or why no notice was given. They will not let me take the deposit to another bank and are forcing me to deposit with them.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) 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 very inconvenient on my part!
Consumer complaint received 2021-01-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (GA)

In XXXX, the company know as National credit systems received a copy of an FTC report filed that included the company XXXX XXXX for XXXX the XX/XX/XXXX whom is their client. The information was not deleted ands when I spoke with the debt collector, I was told that they would not be deleting the debt and they had received the FTC report. In XX/XX/XXXX, I filed a second FTC report for this same account. I have also sent a letter to the debt collector stating that they would be sued. I have yet to receive any letter stating that the debt has been deleted. I am not sure of the amount that is being collected on. The debt collector has certified that they have received both reports and still nothing. This company is on the track of being sued by myself for distress and my rights.
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: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX EXPERIAN 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 XXXX XXXX XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XXXX XXXX, 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 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (DE)

I called Macy 's to settle an old account I had with them. I asked them how they preferred payment, and they told me to send a money order to Macy 's, XXXX. XXXX XXXX, XXXX, KY XXXX. I did exactly as I was directed. I called them a few days later and was told that I should have sent it to XXXX. XXXX XXXX XXXX, AZ XXXX. I went and got another money order and sent it to that address. Macy 's has made me pay for this account twice. Please make them delete the account from my credit, and refund me one of the 2 payments I've made to them Immediately! I'm happy to pay them what I owe them, but not twice!
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

So fast forwarding to today ( XX/XX/XXXX ) these 3 ILLEGAL accounts still remain on my Equifax, XXXX, and XXXX bureaus. Not only are these accounts ILLEGAL, they have the nerve to keep reporting failed payments as of XX/XX/XXXX which keeps DRASTICALLY dropping my credit score. This is beyond illegal. Please remove these items off my credit report. I will not stop disputing! For someone to keep opening and reclosing and account on your credit bureau that is FRAUDULENT does a LOT of damage to your score. Please remove these items ASAP. The opening and reopening of fraudulent accounts, with added remarks is ridiculous. I am STILL going through a NIGHTMARE after these FRAUDULENT accounts were opened in my name and the creditor feels they can reopen anytime when its FRAUDULENT! They are reporting to my bureaus as LATE PAYMENTS on XX/XX/XXXX FOR THESE ACCOUNTS that were illegally opened without consent and the re-opening and closing of these accounts WITH UPDATING INFORMATION SAYING THAT PAYMENT IS LATE AS OF XX/XX/XXXX WHEN FOR THE LAST 120 DAYS I'VE DISPUTED AND TOLD YOU THESE ACCOUNTS ARE FRAUDLENT!!!! THE LAST 4 MONTHS I KEEP GOING THROUGH A NIGHTMARE. SHOULD NOT BE ABLE TO KEEP DOING THIS TO A CONSUMERS REPORT! ITS LIKE THEY DONT CARE. PLEASE REMOVE THESE ITEMS!! 

XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XX/XX/XXXX XXXX XXXX XXXX Balance {$57.00} Acct Number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX  Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX, XXXX
Consumer complaint received 2021-01-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONS DIRECT MORTGAGE, LLC (GA)

I started this process back in XXXX when the pandemic affected my financial life. I was placed into a forbearance from XXXX through XXXX. Once I was back on my feet with income the lender received a loss mitigation package for a modification review. I was told in XX/XX/XXXX that my file had been moved to the underwriting dept for the final review. A weekly update has been made on my file and escalations after the initial 30 day review turned to 45 and then 60 days. Due to the lender not updating my file, I decided to on XX/XX/XXXX just to resubmit. Documents were requested and received by the lender within 48 hours per request. on XX/XX/XXXX the file was deemed complete we were told by representative XXXX XXXX that the file was pending approval and the documents for the trial agreement were in the process of being drawn up. XX/XX/XXXX additional documents were being requested. The weekly updates on XXXX with XXXX # XXXX, XX/XX/XXXX with XXXX # XXXX, XX/XX/XXXX with XXXX XXXX XXXX XXXX requested information on the timeline for the decision ( no call back ), XXXX with XXXX XXXX # XXXX XX/XX/XXXX with XXXX # XXXX, XX/XX/XXXX with XXXX #, XXXX with XXXX # XXXX, XX/XX/XXXX with XXXX # XXXX, XX/XX/XXXX with XXXX XXXX # XXXX called back XXXX XXXX XXXX # XXXX requested supervisor for a call back XXXX XXXX Supervisor ( no call back ), XXXX with XXXX # XX/XX/XXXX who tried to get a team lead to speak with me and was not able to find one requested team member team lead XX/XX/XXXX There has been no response other than one letter dated on XX/XX/XXXX indicating that an investigation still had yet to be completed on the file, yet it appears not one rep, team lead, or supervisor can state what the investigation is? It feels like a sabotage. Not one rep, team lead or supervisor seems to be able to help. I need to know what the next step is so that I do not lose my house.
Consumer complaint received 2023-03-03
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : OFFICE OF THE ATTY GEN XXXX Balance : {$19000.00} US DEPT ED XXXX Balance : {$7500.00} US DEPT ED XXXX Balance : {$2700.00} US DEPT ED XXXX Balance : {$4000.00} US DEPT ED XXXX XXXX : {$1600.00} XXXX  XXXX XXXX Balance : {$1100.00} XXXX  XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-01-08
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. (TX)

I have called Experian since XX/XX/XXXX once a day for the past 2 weeks. I need to remove remarks or any type of verbiage on two accounts in my credit report in order for me to be able to refinance my home. Every time I call they say it takes about 24-72 hours to process and for remarks to be removed. Every time I call back to double check that they have removed them, they say it has not been completed. So basically it was never done! I called again to double check since I am paying {$60.00} each time my lender goes in to pull the credit report and its still there. It is now XX/XX/XXXX and once again the remarks are still there and this time I asked to speak to a supervisor ONCE more and was placed on hold for 48 minutes and hung up on. No one ever came to the line. Now I can NOT refinance my home because no one is doing their job at Experian and have paid {$180.00} and wont be getting none it back!
Consumer complaint received 2023-03-03
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. (TX)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-27
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. (LA)

FCRA Violation: name and address not mine XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation: auto loan not mine XXXX XXXX XXXX XXXX

FCRA Violation: credit card not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX


FCRA Violation: other loan never late
LOUISIANA CHILD SUPPORT

FCRA Violation: hard enquiries not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

FCRA Violation: collections not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I recently filed a complaint regarding this account and received a letter in the mail from the debt collector asking me to fill out this affidavit. Please find the attached affidavits for accounts XXXX and XXXX. I did not open these accounts nor did I approve of them being opened. Attached to this complaint is the paperwork from the debt collector, the FTC affidavit of identity theft and a copy of my photo ID.
Consumer complaint received 2021-01-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (GA)

I entered into a consumer transaction with Navy Federal. A Finance Charge was included in this transaction. According to the Truth in Lending Act the Finance Charge is the sum of all charges. Navy Federal violated Federal Law by coercing me to pay a monthly bill. Navy Federal did not disclose my right to rescind which is a violation of my consumer rights.
Consumer complaint received 2017-05-26
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: EQUIFAX, INC. (OH)

I sent a letter to   XXXX   requesting to have several credit inquiries removed that were not mine, The credit bureau just sent me a letter stating the definition of what a credit inquiry is.
Consumer complaint received 2023-02-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Subject : Request to Reinstate My Personal Paypal Account : XXXX Dear CFPB, I received email from Paypal with this information saying that my Paypal account was Permanently Limited due to sale of XXXX oriented materials or services ( as stated in PayPal ( Ref ID - XXXX ) ) which is NOT TRUE because I have been using this Personal Paypal Account for over 10 YRS now in my VA Freelancing Services. I am NOT aware of and have no knowledge about that, hence I am only selling Digital goods and Services that include Copywriting, Content Creation, SEO Keywords Research and Competitors Analysis, Web Design, and content creation and Social Media management where I deliver to my individual clients and the clients pay me per task or per project. I have attached the Summary of Invoice for the month of XX/XX/2023 at the bottom. Kindly see the attachment. 


Please HELP to reinstate my personal Paypal Account as I am losing income from services that I have been receiving on a daily basis from my Clients since I cant use this paypal for permanent limited reasons. Here is the detail of my Paypal Account for your reference ; Nature of Request : Reinstate and lift the PERMANENT LIMITATIONS Paypal Address : XXXX Paypal Name : XXXX XXXXXXXX Hoping for your immediate action on this matter. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Eagle Accounts Group, Inc. (FL)

I went to court to make a payment plan on my back XXXX XXXX that I owed. I have been paying them since the beginning of 2019 and I am ordered to pay {$55.00} until its all paid. The money comes directly out of my social security XXXX check each month. I want this cleared up and taken off my credit report since I am fulfilling the agreement. Thank you XXXX XXXX