davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-28
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: EQUIFAX, INC. (MD)

On Monday XX/XX/2021 at XXXX ( EST ), I received two emails from XXXX XXXX XXXX  confirming opening of both a checking account and a savings account. Both accounts were opened fraudulently. XXXX XXXX Bank ( and XXXX - read below ) allowed both accounts to be opened even though I have identity theft flags on my credit reports which I updated through the CFPB consumer portal in XXXX ( 2021 ) as a result of XXXX allowing a checking account to be opened. I immediately called XXXX XXXX and was transferred to a rather combative CS Manager in XXXX XXXX XXXX fraud department who went so far as to say to me ( on a recorded call ) that " [ he ] didn't have time to stay on the phone '' when I began asking him questions about how the account was opened?, was it opened online or at a branch?, what proof of identity was provided to open the accounts?, how were the accounts opened when I have identity theft flags on my reports as a result of the XXXX breach ( and considering I updated the identity theft flags notifying all three credit bureaus that fraudulent accounts were opened )? He said I would receive a letter in the mail in XXXX days but claimed, contrary to FTC regulations XXXX that XXXX XXXX would not provide me the information of how the accounts were opened, what identity information was used to open the accounts, what federally mandated ID was provided to open the accounts, etc... XXXX XXXX you will provide me with the information about how the accounts were opened. I ask the CS manager who 'approved " the accounts being opened and he specifically named XXXX ( again, this is a recorded call ), thus XXXX XXXX has twice now, first with XXXX and now XXXX XXXX bank, within a 6-month period, approved fraudulent accounts being opened, EVEN THOUGH ALL THREE OF MY CREDIT REPORTS ARE LOCKED and even though my credit reports have been flagged for identity theft since I received notification of the XXXX XXXX  breach... 

I spent nearly 1.5 hours at a XXXX  branch, thus face-to-face and with the Branch Manager, being put through the hoops to open accounts because of the identity theft flags, YET XXXX has, twice XXXX approved online accounts to be opened. 

I am adding Equifax and XXXX to the complaint for notification purposes.
Consumer complaint received 2021-12-28
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: Experian Information Solutions Inc. (MN)

I have previously disputed with XXXX, Experian and XXXX on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2021-12-28
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. (MN)

I have previously disputed with TransUnion, XXXX and XXXX on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX DC XXXX Dispute Regarding Removal of collections Dear Sir/Madam, I am writing to formally dispute an issue I have encountered with XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to resolve this matter . 

On XX/XX/XXXX, I recently check my credit report and noticed several collections and charge offs on my credit report. Despite my efforts to resolve this matter directly with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and several inquires including XXXX XXXX XXXX XXXX XXXX the issue remains unresolved and has caused me to be unable to finance a house and car. 

I believe that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated therefore the collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). 

I request that the CFPB investigate this matter and take appropriate action to resolve the issue. Specifically, I am seeking the removal of all accounts mentioned off my credit report immediately or be subjugated to the full extent of the court of law. 

Please find enclosed all relevant documentation pertaining to this dispute. I appreciate your prompt attention to this matter and look forward to a swift resolution. Should you require any further information, please do not hesitate to contact me at XXXX Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (TX)

My credit card was registered on XX/XX/XXXX so my account possibly could have been opened a few days prior. And when I check my credit report It shows It has been open since XX/XX/XXXX. Also when my credit card was bought from a collection agency the total amount was at {$4300.00} and on the credit report It is showing {$4600.00}.
Consumer complaint received 2021-12-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (SC)

On XX/XX/2021 I went to court as a defendant against XXXX XXXX XXXX. XXXX XXXX was the attorney through XXXX XXXX XXXX, for the Plaintiff. I settled to pay {$2500.00}. I paid the amount on XX/XX/XXXX. The debt was removed from my credit report. On XX/XX/XXXX, the remaining balance, of the original debt was placed on my credit report as a collection with XXXX XXXX XXXX. I went through Experian 's site to have it removed. XXXX is stating that the account is valid. I have received email and mail documentation from that law office that the debt has been paid and settled.
Consumer complaint received 2021-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (MD)

XXXX is not resolved. The company keeps having XXXX call and harass me. But I worked with her before and it ended in a screaming match. She doesn't have my account 's best interest at heart. I have a pending credit of {$44.00} that is showing on my account activity but the money isn't in my account. Where is that money? And where is my refund for the {$110.00}? Can something else be done to this company instead of them getting constant complaints and then choosing to do all they can to pretend they are fixing things when they don't and won't.
Consumer complaint received 2021-12-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (FL)

I signed up for XXXX XXXX XXXX XXXX. I rec 'd the router and hooked it up. It would not work in my area. On XX/XX/2021 I returned the router, closed the account and I was told I do not owe a balance. Return order # XXXX. XXXX XXXX  # XXXX. 
They keep billing me and have turned it over to collections Convergent acct # XXXX I have tried calling XXXX and they keep transferring to diff. depts. and putting me on hold.
Consumer complaint received 2021-12-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc (NC)

I am reporting that my XX/XX/2021 " Pay Friends  '' transfer was transferred to an individual that uses her phone number fraudulently. I intended to send XXXX XXXX a transfer of {$100.00} on XX/XX/2021. When I selected her number from my contacts list, the name said XXXX XXXX. After the transfer, it changed to XXXX XXXX. I do not know this individual and I need my money sent back to me and taken away from that individual. 

The banking institution, Chime, denied my claim stating that no error was made and refuses to do anything about it.
Consumer complaint received 2021-12-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NY)

The problems started - I started getting strange messages saying that a payment was allegedly late. 

That did not make sense - because I was signed-up for auto-matic payments! 

This started happening with more companies. 

I phoned Wells Fargo. 

Then there was a human to human conversation! 

I was informed of MORE problems! 

Will explain more details when I am in better health & I have more time!
Consumer complaint received 2021-12-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (CT)

On XX/XX/2021 I paid off the mortgage to a property I own. I only received {$16.00} from escrow which seems to be off balance. I have contacted the bank numerous times asking them for a detail to be sent on how they arrived at that total. I continue to speak with reps the tell me I can go through their website but I continually have issues accessing the site. I am requesting a detail be sent or faxed with a break down as to how they arrived at the total of {$16.00}. They were able to fax my final payment info but will not fax my settlement escrow.
Consumer complaint received 2021-12-28
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 (CO)

On XX/XX/21, I recently received an email that said my PayPal account had been limited/ that I could no longer do business with PayPal. This is preventing me from receiving my own funds, and is limiting me from doing business when I believe I have done nothing wrong. 

This happened after I tested a new service that integrates with PayPal, called XXXX ( I used a {$1.00} test amount ). The service was successful, but I quickly received notification that my account had been limited. I do not understand what I did to cause the ban which negatively affects my business. Can you please help me resolve the limitation? 

I tried to contact PayPal, but their chat service says to try back during working hours .... yet I am trying to contact them during their stated working hours. I have sent an email with no response. I have tried to contact them via phone but nobody appears to be available.
Consumer complaint received 2021-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I was taken advantage of by due to malpractice while several laws were being broken under the FCRA by your company. This has caused me major financial injury, extreme defamation of character, I can't apply for credit, I'm not able to get approved for housing, I'm not even able to get an SBA loan due to the pandemic in this time of crisis. You have majorly hurt my ability to obtain credit. I've also been disputing with your company for 2 years, I've watched my rights continued to be violated.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2021-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CLGF Holdco 1, LLC (GA)

I am XXXX XXXX and Im submitting the complaint myself and there is no third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was given a credit limit of {$300.00} by Genesis FS Card Services , Inc. XXXX Destiny Card. There should not be a credit limit, only an open-end credit plan for the card I received which means my balance at the end of each billing cycle should be zeroed out and there should not be a minimum balance due pursuant to 15 USC 1602j . Please rectify this account to an open-end credit plan and refund me the minimum payment that was paid as I am invoking my specified remedy as an original creditor and the consumer.
Consumer complaint received 2015-08-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MO)

I had a non contract account, which means I was not required to pay a fee for closing my account. One month later they sent me an bill with cancellation fees attach to my last bill. I was instructed to dispute the bill ... which I sent in my request to review the bill. I have been getting the run around on the status. Received XXXX letter that they were still working on my request, as of today no word. My thought was it has been removed and account closed.
Consumer complaint received 2021-12-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

I was sick with XXXX i provided them proof per the US credit cares act if affected by pandemic, i am now capable of paying my bill but i was never deliquent and they put my account as deliquent knowing i was hospitalized for XXXX fighitng for my life. i submitted dispute and first they send me email that it is being removed 30-60 then they send another email days later its only being removed if i pay balance my next payment per care act isnt due till XX/XX/XXXX and further more they can not report negs to agency per care act if hte acct was NOT neg prior to my being sick and it was NOT neg.. i demand the resolution of all negs removed from my credit report RIGHT NOW they give you the run around they scam clients the reviews are horrible and i am also going to make a stink to XXXX to ensure XXXX no longher uses them.. this is fraud all together this company is committing fraud and i want them investigated now and my credit report fixed asap
Consumer complaint received 2021-12-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

I was sick with XXXX i provided them proof per the US credit cares act if affected by pandemic, i am now capable of paying my bill but i was never deliquent and they put my account as deliquent knowing i was hospitalized for XXXX fighitng for my life. i submitted dispute and first they send me email that it is being removed 30-60 then they send another email days later its only being removed if i pay balance my next payment per care act isnt due till XX/XX/XXXX and further more they can not report negs to agency per care act if hte acct was NOT neg prior to my being sick and it was NOT neg.. i demand the resolution of all negs removed from my credit report RIGHT NOW they give you the run around they scam clients the reviews are horrible and i am also going to make a stink to XXXX to ensure XXXX no longher uses them.. this is fraud all together this company is committing fraud and i want them investigated now and my credit report fixed asap
Consumer complaint received 2021-12-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was sick with XXXX i provided them proof per the US credit cares act if affected by pandemic, i am now capable of paying my bill but i was never deliquent and they put my account as deliquent knowing i was hospitalized for XXXX fighitng for my life. i submitted dispute and first they send me email that it is being removed 30-60 then they send another email days later its only being removed if i pay balance my next payment per care act isnt due till XX/XX/XXXX and further more they can not report negs to agency per care act if hte acct was NOT neg prior to my being sick and it was NOT neg.. i demand the resolution of all negs removed from my credit report RIGHT NOW they give you the run around they scam clients the reviews are horrible and i am also going to make a stink to XXXX to ensure XXXX no longher uses them.. this is fraud all together this company is committing fraud and i want them investigated now and my credit report fixed asap
Consumer complaint received 2021-12-28
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Atlanticus Services Corporation (NY)

I was sick with XXXX i provided them proof per the US credit cares act if affected by pandemic, i am now capable of paying my bill but i was never deliquent and they put my account as deliquent knowing i was hospitalized for XXXX fighitng for my life. i submitted dispute and first they send me email that it is being removed 30-60 then they send another email days later its only being removed if i pay balance my next payment per care act isnt due till XX/XX/XXXX and further more they can not report negs to agency per care act if hte acct was NOT neg prior to my being sick and it was NOT neg.. i demand the resolution of all negs removed from my credit report RIGHT NOW they give you the run around they scam clients the reviews are horrible and i am also going to make a stink to XXXX to ensure XXXX no longher uses them.. this is fraud all together this company is committing fraud and i want them investigated now and my credit report fixed asap
Consumer complaint received 2021-12-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On Monday XX/XX/2021 at XXXX ( EST ), I received two emails from Capital One bank confirming opening of both a checking account and a savings account. Both accounts were opened fraudulently. 

Capital One Bank ( and XXXX - read below ) allowed both accounts to be opened even though I have identity theft flags on my credit reports which I updated through the CFPB consumer portal in XXXX ( 2021 ) as a result of XXXX allowing a checking account to be opened. 

I immediately called Capital One and was transferred to a rather combative CS Manager in Capital One 's fraud department who went so far as to say to me ( on a recorded call ) that " [ he ] didn't have time to stay on the phone '' when I began asking him questions about how the account was opened?, was it opened online or at a branch?, what proof of identity was provided to open the accounts?, how were the accounts opened when I have identity theft flags on my reports as a result of the XXXX breach ( and considering I updated the identity theft flags notifying all three credit bureaus that fraudulent accounts were opened )? 

He said I would receive a letter in the mail in 7-10 days but claimed, contrary to FTC regulations XXXX that Capital One would not provide me the information of how the accounts were opened, what identity information was used to open the accounts, what federally mandated ID was provided to open the accounts, etc... Capital One you will provide me with the information about how the accounts were opened. 

I ask the CS manager who 'approved " the accounts being opened and he specifically named XXXX ( again, this is a recorded call ), thus XXXX XXXX has twice now, first with XXXX and now Capital One bank, within a 6-month period, approved fraudulent accounts being opened even though my credit reports have been flagged for identity theft since I received notification of the XXXX XXXX breach... 

And might I add that Capital One just settled a {$190.00} million class action lawsuit for their data breach YET, they've CLEARLY NOT PUT MEASURES IN PLACE TO PREVENT FRAUDULENT ACCOUNTS BEING OPENED AT THEIR OWN BANK. 

I opt-out of Capital One data breach settlement and will pursue actions as deemed necessary against Capital One and XXXX. 

I will be filing separate complaint against XXXX and adding XXXX and XXXX to the complaint for notification purposes.