davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-28
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)

I sent TransUnion an Identity Theft affidavit notarized concerning a few inquiries on my TransUnion consumer report that were authorized by me. TransUnion has yet to remove the inquiries from my report which is a violation under the FCRA section 605B
Consumer complaint received 2021-07-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (NC)

Set up a payment plan with XXXX XXXX which they have started to receive payments and they still decided to report the collection to the credit bureaus, which also states I owe the full amount which would be INCORRECT if a payment plan was setup. They are double dipping at this point. They are reporting a loss of an amount to the IRS but also collecting that EXACT same amount from me via a payment plan. When I called the response was simply sorry. This is not acceptable.
Consumer complaint received 2019-12-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A. (CA)

On XX/XX/2019, I opened a Performance Select Checking account with a promotion for {$300.00} after meeting certain qualifications. The terms of the promotion include making a direct deposit {$5000.00} within 60 days as well as 10 debit card transactions within 60 days. I can confirm that I completed these transactions within the 60 day time from of account opening. The direct deposit of {$5000.00} was completed on XX/XX/19 as XXXX  funds, which are funds from an outside agency that pays me. After speaking with PNC, they do not know why the bonus has not been posted and can not give a clear answer. I spoke with multiple representatives and the service and responses were non existent.
Consumer complaint received 2018-01-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: West Coast Servicing, Inc. (NY)

Our home equity loan was sold three times. The current owner of the loan West Coast servicing has not sent a detailed statement of the account since XXXX. The only correspondence we receive are delinquent notices with a lump sum that is due ; there are no details of the charges or recent payments to the account. I recently sent a request for this detailed information because I do not believe this amount they are requesting is correct. I wil attach the last full statement that we received from them dated X/XX/2016, and the subsequent delinquent notices that they send.
Consumer complaint received 2021-07-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (RI)

Hi CCS ; XXXX XXXX XXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-07-28
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: Atlanticus Services Corporation (GA)

I bought a set of tires at XXXX XXXX in XX/XX/2021. They had a promotion that stated that if you opened a XXXX/XXXX XXXX account you would recieve a {$50.00} gift card.While I waited for my tires to be installed I applied for the XXXX card. Within about 5 minuted I recieved a e-mail from XXXX  that I was approved for {$1000.00} credit and would recieve a card in the mail.They assigned me a number.I did recieve my card in the mail.I told the store manager to put my purchase on the XXXX  card.The number on the computor was different than the number XXXX had sent me.The manager said the number on the computor must be a authorzation number and when I got my bill it would have the correct number on it.About 3 weeks later I recieved a bill from Fortiva Bank for the amount of my tire purchase.There was also a new account fee of {$49.00} on it.I immediately called Fortiva To question why they opened an account in my name and put my XXXX XXXX purchase on it.They told me they were the back up bank for XXXX XXXX and XXXX had refused my credit. NOT true.I immediatly told then to close that account and I sent them a check for the tire purchase.I also told them this account was opened fraudently and I would not pay any fees.After talking to several people they finally said they had closed the account and would remove the fees.I do however still recieve bills every month for fees and penalties now to the tune of about $ XXXX.The last time I called I was on the phone for one and one half hours.The last half hour I was on hold untill they cut me off.I discussed what had happened to the manager of XXXX XXXX and he told me XXXX XXXX had no back up bank and this was obviously fraud.He thought Fortiva must have intercepted my info off of something called the dark web.They now sent me a letter saying they have opened another account in my name with a new account number.This is fraud and a scam and they need to close all accounts in my name and remove any fees.
Consumer complaint received 2022-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

I have a total of nine closed accounts on my credit report. Four of those accounts have been paid in full within the last 90 days. The other five were accounts That had been settled and should have dropped off of my credit report over the past 10 years. This in accurate information shows up on all of the big three credit reporting agencies, XXXX XXXX, XXXX, and Experian. The information also shows up on my profile in two of the credit monitoring services, XXXX XXXX and XXXX  XXXX.
Consumer complaint received 2021-07-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America Corporation was sent the documents attached below. They were instructed in the Cease and Desist NOT to close the consumers credit account and they willfully and knowingly decided to do so.

Bank of America Corporation is in violation of multiple federal consumer laws, all listed in the Unsworn Declaration of Truth.

Bank of America Corporation is willfully and knowingly violating these laws which makes them CRIMINALLY liable pursuant to 15 U.S. Code 1611 and shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.
Consumer complaint received 2019-12-14
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. (TX)

I have had a collection on my report from XXXX XXXX which shouuld have been removed and still has not. I have requested that the Credit bureaus Equifax and XXXX  remove this collection and they have still not. Please HELP!
Consumer complaint received 2016-08-21
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P. (CA)

I have reached out the this company and never hear anything back. I want documentation of this account that shows break downs and specifics. I need to get this off my credit ; however, I can not pay the balance due to financial hardships. My husband has become very ill and no longer works. We are living on XXXX income and need help clearing this up. Can you please help?!?!
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (PA)

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX/XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2016-06-27
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Utah System of Higher Education (CO)

Even though I 've sent the forms in for income-based repayment, and can prove XXXX received because I sent them certified mail, they have claimed they have never received them. I 've also accrued several late fees because I can not get through on their phone system to get a repeesentative. Please help, I ca n't pay almost XXXX a month to them.anymore, I need n income based repayment.
Consumer complaint received 2022-11-12
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. (VA)

in accordance with the fair credit reporting act XXXX account numbers XXXX 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. states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

The loan # XXXX with XXXX XXXX was in a modification status as of XX/XX/XXXX. On XX/XX/XXXX I received a letter from XXXX stating that the mortgage was in default and in order to bring the loan current I would be required to pay {$6800.00} by XX/XX/XXXX. On XX/XX/XXXX I made a payment through XXXX XXXX XXXX for {$4500.00}. On XX/XX/XXXX I made a payment through XXXX for the remaining balance. I have attached the 2 payment receipts below. On XX/XX/XXXX the loan was transferred to another lender. On my credit reports with Experian and XXXX they are reporting the account as 90 days late for XXXX, XXXX, and XXXX XXXX. 

I disputed it with XXXX on XX/XX/XXXX and they denied my request. I am now asking the CFPB to investigate and update the account with the accurate information asap. 

Thank you XXXX XXXX
Consumer complaint received 2022-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have a total of nine closed accounts on my credit report. Four of those accounts have been paid in full within the last 90 days. The other five were accounts That had been settled and should have dropped off of my credit report over the past 10 years. This in accurate information shows up on all of the big three credit reporting agencies, Trans Union, XXXX, and XXXX. The information also shows up on my profile in two of the credit monitoring servicesXXXX XXXX XXXX  and XXXX  XXXX.
Consumer complaint received 2022-01-01
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IL)

equifax totaly messed up my vredit now repotying a 60 60 90 90 120 fays late on my reprt which is totally wrong switch it back
Consumer complaint received 2022-01-01
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Center Street Finance, LP dba CSF Servicing (TX)

Dates associated with item being disputed : Last date verified XX/XX/XXXX o Explanation of item being disputed : o The high balance for XXXX is showing {$14000.00} while XXXX is showing a high balance of {$10000.00}. 
o The date of last payment on my report is showing XX/XX/XXXX on XXXX and XX/XX/XXXX for XXXX. 
o The Date of last activity is showing XXXX/XXXX/XXXX for XXXX and XX/XX/XXXX on XXXX. This clearly is showing that these companies are falsely and recklessly reporting inaccurate information as this date is the date used to age the account and is used to determine when the 7 year reporting period will end. This is unfair as there could be extra years added onto this particular account that is reporting on my report. 
Ive repeatedly reached out to XXXX, XXXX and the Company named Center Street Finance with no response on this debt about the validity and errors they continue to report
Consumer complaint received 2022-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (WV)

American Express has been harassing me and trashing my credit report. I have tried numerous disputes to try and stop them. the account is from 2012 and still reporting to my credit report. They have reported me deceased over 5 times and caused my XXXX credit score to drop to XXXX. This company seems to think they can do whatever they want and due to their actions I have been denied auto loans, and other types of credit. Due to these damages and the stress involved this company should be investigated.
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

Equifax refuses to follow Bankruptcy laws. My bankruptcy chapter XXXX case opened XX/XX/2021 is closed and the debt has been discharged. Equifax is still reporting accounts as charge offs, and showing these accounts as collectible. I am not derogatory on any account. These accounts were included in my bankruptcy and discharged debt is not collectible. This could result in a lawsuit since equifax continues to try to collect on these accounts and continue to report incorrect information. I have attached photos below. Lastly equifax is reporting an address on my report from Arizona. Ive never lived in Arizona and that is a fraudulent address. I want this removed immediately. I do not owe XXXX. I do not owe XXXX XXXX. I do not owe XXXX XXXX. I do not owe XXXX XXXX, I do not owe XXXX. I do not owe XXXX  XXXX XXXX, I do not owe XXXX XXXX  XXXX, I do not owe XXXX. I do not owe XXXX these are all debts included in the bankruptcy already discharged.
Consumer complaint received 2021-07-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I sent a letter previously, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I have been a victim of identity theft. I recently reviewed my credit report to find request for my credit that I did not do. I am not sure who the person is & how they got my information but this is all Fraudulent request.
Consumer complaint received 2021-07-04
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. (OH)

I paid a debt collector to pay off a debt is had. Filed a dispute with experian and showed proof I paid that off what we agreeded on and they still didnt take it off my credit report.
Consumer complaint received 2019-12-13
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)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2018-03-02
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

In XX/XX/XXXX I disputed an account reported XXXX XXXX XXXX XXXX XXXX under XXXX XXXX XXXX XXXX, XXXX in the file that was maintain under my Social Security number for {$780.00}. 

I requested debt validation of the debt and after months of disputing this alleged debt it was deleted from my account under XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX by XXXX   and Experian. 

Now I discovered that the item has been reinserted on my credit report by the same buyer ( XXXX XXXX XXXX XXXX, XXXX ) who moved it to an associated collector XXXX XXXX XXXX. This collector refuses to give appropriate debt validation and mentions that they are closing the inquiry that I requested on their XX/XX/XXXX correspondence ( attached ). 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), the credit bureaus are required to notify me of the reinsertion in writing within 5 business days. 

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I received no such notification. This is a very serious violation of the FCRA. XXXX XXXX XXXX attempt to override the law by reporting this alleged debt on my credit reports under their company XXXX XXXX after it was removed by both bureaus as XXXX XXXX XXXX is unconscionable. Unfortunately, the credit bureaus did not inform me of the reinsertion is even more regrettable. 
Therefore, I request that the credit bureaus delete XXXX XXXX XXXX from my account as it is related to XXXX XXXX XXXX ( which was previous removed ).
Consumer complaint received 2023-02-10
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: GOLDMAN SACHS BANK USA (IN)

Included is a list of accounts that were opened in my name fraudulently ( company and amount ) : XXXX XXXX ( hard inquiry ) XXXX XXXX XXXX  {$9900.00} XXXX XXXX {$3400.00} XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX XXXX {$320.00} XXXX XXXX {$13000.00} XXXX XXXX  {$9100.00} XXXX XXXX {$5000.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX {$1000.00} XXXX XXXX {$540.00} XXXX XXXX XXXX {$490.00} XXXX XXXX {$330.00} XXXX XXXX XXXX  {$300.00} XXXX XXXX {$120.00} These accounts are a mix of credit cards, collections, and utilities. I did not open or have any knowledge of these accounts