davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-05
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: United PanAm Financial Corp. (FL)

I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the companies listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. I have Contacted each creditor individually and all have stated the proper documentation & request has been sent to your bureau to have this inquiry removed. I ask that it be removed immediately from my credit file.
Consumer complaint received 2021-12-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Corporation (SC)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond. I request that you take all appropriate steps to remove the information about this account from my credit files.
Consumer complaint received 2021-12-20
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. (VA)

Four times I explained Equifax that I didn't apply XXXX credit card on XX/XX/2021 and XX/XX/2021. Last month I called XXXX and they denied the applications twice because someone else failed to provide my ssn or incorrect information. XXXX already emailed Equifax to correct and delete the reporting. Also, I discovered my wrong birth date Equifax made. I requested Equifax failed to do their job to correct my reporting more than a month. 

XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Phone XXXX XX/XX/2021 XX/XX/2021 I don't have mobile phone then I don't have text number. Most of times I am using email for verification code since I am XXXX customer. 

Any assistance you can provide is greatly appreciated. 

XXXX XXXX
Consumer complaint received 2021-12-20
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)

On XX/XX/2021 I wrote a letter to Equifax requesting the verification method for the Bankruptcy which is reporting on my credit report, in the letter I requested if the method of verification is not completed to remove the account from my credit report. The same date I also sent a letter to the bankruptcy court listed on my credit report requesting verification of such and I have received a response, The bankruptcy can not be verified as of todays date I have not received an adequate response from Equifax. Under the FCRA, section 611 ( a ) ( 6 ) and ( 7 ) I have the right to request the method of verification, the credit bureau must provide the method within 15 day of my request. I am requesting the bankruptcy be deleted based on the credit bureau lack of compliance with the method of verification. The letter was also sent via certified mail and I have the original receipt showing the exact date and confirmation when I sent the letter to the court and to Equifax.
Consumer complaint received 2024-06-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: SOFI TECHNOLOGIES, INC. (NY)

XX/XX/year> to XX/XX/year> I lost my job- I contacted Sofi and created an alternative payment agreement. The agreement was that I would pay the interest on the loan, and when I was employed again, I the principal would be recalculated. This is exactly what we did, without hitch. Sofi assured me that they would not report any of these months to the credit bureaus. They have reported all of these as MISSED PAYMENTS to the credit bureaus. Their customer support is completely ineffective, unable to help, unwilling, and my disputes from the credit reporting agencies has went unanswered. They have completely deceived me.
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SAN DIEGO COUNTY CREDIT UNION (CA)

The below inquiry appeared on my XXXX XXXX XXXX report. 

I did not give permission to SAN DIEGO COUNTY CREDIT UNION to inquire about my credit. 

I contacted XXXX, XXXX and San Diego County Credit Union to find out who made this inquiry. 

NOT ONE OF THE COMPANIES ABOVE THAT I CONTACTED COULD HELP ME IN FINDING OUT WHO AND WHY THIS INQUIRY WAS MADE!!!!!!! 

Alert Type New Inquiry via XXXX Processed Date XX/XX/2022 Creditor Type Credit Unions Alert Date XXXX Creditor Name SAN DIEGO COUNTY CRED Phone Number ( XXXX ) XXXX Creditor Address XXXX XXXX XXXX , XXXX XXXX , CA, XXXX
Consumer complaint received 2021-12-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (NY)

TCF Bank and Huntington Bank completed their merger during the summer. I hold a home equity line of credit with TCF which is paid automatically each month I had an accident and had to relocate without access to my mail etc. 

There were several emails received form Huntington by the XXXX that I was delinquent in my mortgage. I called them at least XXXX  times attempting to make payment, but each time was told that they can not process my payment because I need to know my new account number, the exact amount of the loan, my exact monthly payments and I believe one other thing. 

I did not have those information but told them I could provide my social security number and the address of the property and the estimated loan amount, however they noted that this was not sufficient information to make the payment. 

I subsequently had someone collect my mail and contacted Huntington on XX/XX/XXXX and made all outstanding payments as well as payment which takes me through XX/XX/XXXX. I was never notified that I would be reported to the credit bureaus for my late payments. 

XXXX days later on XX/XX/XXXX, I received notification of late payment to Huntington bank and my credit score dropped XXXX points. I work very hard to maintain good credit and in XXXX fail swoop they destroyed it despite the fact that I paid all my bills, and despite the fact that they ONLY reason for my late payment was because of Huntington 's antiquated systems and their inability to merge the operations of both banks in a way that was seamless to customers. 

The same night of XX/XX/XXXX I contacted Huntington, but not to my surprise, no one has responded to my urgent request to repair my credit. There is a patter of these banks ruining customers credit. On XX/XX/2021, TCF bank did the same thing, despite my ongoing communication with them regarding their inability to effectively manage their systems, and therefore their inability to collect my payments. 

Given this systematic issue within these organizations, I would like the CFPB to step in and perform an investigation into the operations of these banks so that they begin to operate in a way that is not detrimental to customers.
Consumer complaint received 2021-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2021 I went to an atm off XXXX XXXX XXXX XXXX XXXX ny XXXX to withdraw XXXX dollars. The atm did not give me the XXXX dollars. I went to bank XXXX XXXX XXXX XXXX XXXX ny XXXX and spoke to the manager XXXX to report this. This was during my lunch break around XXXX pm. XXXX informed me to contact the fraud department and they would credit me. On Monday I noticed I was never credited and the XXXX department informed me it would take XXXX days to investigate. I called everyday to check on the status. On Thursday I was informed I would get the funds credited back. On Friday when I noticed the funds were not credited I called again and spoke with supervisor XXXX. XXXX informed me my claim was denied. I didnt understand how it could be denied since the atm never gave me the money. He explained there was no malfunction. The atm did not give me my money and I am extremely frustrated. XXXX dollars is a lot of money and its the holiday season. This is probably the worst thing that has happened to me and the bank doesnt even seem to be giving me clear answers.
Consumer complaint received 2021-12-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

I am a victim of identity theft I have dispute items with equifax and XXXX that wasn't mine but they refuse to move it they keep saying that it is reporting accurate I did not authorize my social security number or give copy of my ID to these companies so please remove these accounts of my credit I had almost prefect credit until this happened these are the accounts below that are not mine XXXX XXXX Original creditor is progressive XXXX XXXX XXXX Original creditor is XXXX XXXX XXXX
Consumer complaint received 2021-12-20
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. (AL)

I sent a letter requesting the method of verification for an alleged bankruptcy listed on my credit file XX/XX/XXXX via certified mail.I received a response from XXXX on XX/XX/XXXX stated they received my dispute and went over the investigation process. I received no results to this matter for over 120 days. I filed a complaint with cfpb on XX/XX/XXXX they responded with a typical message and sent another letter in mail stating the dispute process on XX/XX/XXXX. I have yet seen any results from this investigation I requested a Method of verification and have not been provided that information. My complaint was closed with the cfpb after the company responded. 

I sent a letter to XXXX certified mail on XX/XX/XXXX requesting the method of verification of an alleged bankruptcy listed on my credit file. I received a letter on XX/XX/XXXX stating the bankruptcy was certified from a third party. I requested the name of the company who certified this information I received no information. I filed a complaint with the cfpb on XX/XX/XXXX I received a letter in mail stating once again it was certified but they failed to tell me who certified this information as requested 3 times. 

I sent a letter to Equifax certified mail on XX/XX/XXXX requesting the same information as the other bureaus a method of verification of an alleged bankruptcy on my credit file I received no response from the bureau for over 120 days until I filed a complaint with the cfpb. The company did not respond after 30 days and this alleged bankruptcy by law was suppose to be removed due to the no response after 30 days. Equifax sent a letter requesting proof of identification and proof of address.
Consumer complaint received 2019-09-07
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. (CA)

On XX/XX/XXXX I used XXXX to pull all three of my credit reports. I noticed that my credit card was mistakenly marked as closed around XXXX of XXXX on my reports. 

The credit card is a XXXX XXXX XXXX XXXX XXXX XXXX XXXX that was originally issued around XXXX. 

I have been using my card continuously both before XX/XX/XXXX and to the present ( most recently the morning of XX/XX/XXXX ) so I know that the card is not cancelled, and I have been making payments on time.
Consumer complaint received 2021-12-20
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. (AL)

I sent a letter requesting the method of verification for an alleged bankruptcy listed on my credit file XX/XX/XXXX via certified mail.I received a response from TransUnion on XX/XX/XXXX stated they received my dispute and went over the investigation process. I received no results to this matter for over 120 days. I filed a complaint with cfpb on XX/XX/XXXX they responded with a typical message and sent another letter in mail stating the dispute process on XX/XX/XXXX. I have yet seen any results from this investigation I requested a Method of verification and have not been provided that information. My complaint was closed with the cfpb after the company responded. 

I sent a letter to XXXX certified mail on XX/XX/XXXX requesting the method of verification of an alleged bankruptcy listed on my credit file. I received a letter on XX/XX/XXXX stating the bankruptcy was certified from a third party. I requested the name of the company who certified this information I received no information. I filed a complaint with the cfpb on XX/XX/XXXX I received a letter in mail stating once again it was certified but they failed to tell me who certified this information as requested 3 times. 

I sent a letter to XXXX certified mail on XX/XX/XXXX requesting the same information as the other bureaus a method of verification of an alleged bankruptcy on my credit file I received no response from the bureau for over 120 days until I filed a complaint with the cfpb. The company did not respond after 30 days and this alleged bankruptcy by law was suppose to be removed due to the no response after 30 days. XXXX sent a letter requesting proof of identification and proof of address.
Consumer complaint received 2021-12-20
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. (CA)

I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XX/XX/XXXX, and XX/XX/XXXX. There was an error on their part. I was never 30 days late.
Consumer complaint received 2021-12-20
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. (CA)

I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in XX/XX/XXXX, and XX/XX/XXXX. There was an error on their part. I was never 30 days late.
Consumer complaint received 2021-12-20
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 (DE)

XX/XX/XXXX Opened PayPal account Deposited {$500.00} cash at XXXX to new account Bought {$100.00} crypto on PayPal An hour later Blocked my money permanent limitation Can't access funds for 180 days I provided PayPal with a copy of my ID that was requested I have never used this PayPal account I did not sell anything or receive any other money on this account. PayPal refuses to give me any information on what the limitation is caused by or why just that my money is not going to be available for 6 months The only explanation that was offered was that my money would be on hold for 6 months in case there were any returns however I never sold anything on this account I just opened it that day. 

That money was put on that PayPal account to shop online for my kids XXXX presents which has snowballed into a really bad situation for myself and ultimately my kids getting XXXX presents.
Consumer complaint received 2019-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Navient Solutions, LLC. (GA)

I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2021-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have made several requests via mail disputes for EXPERIAN to help me with this unverified/inaccurate reporting on my credit file. I am now coming here to submit an official compliant and hopefully this information will be updated/deleted from my EXPERIAN credit report. I am taking this very seriously and want these accounts to be fixed/removed. Pease see attachments. Fair Collections should be deleted from my credit report because of several inaccuracies/missing information with the reporting of this account such as date of last paid, balance, status, recent payment, high balance to name a few. Milestone should be deleted as there are inaccuracies in payment history being reported. XXXX  XXXX payment history should be updated as i have attached a letter from the furnisher and have tried to notify EXPERIAN with the letter to update my account but they have yet to fix it. There are several inaccuracies with an account called XXXX XXXX being reported on my credit file, including past due amount being reported on a collection account. This is a violation and I want this account deleted immediately. Thank you for your help Delete account Fair Collections Delete account XXXX XXXX Update account Credit XXXX Delete account XXXX  XXXX
Consumer complaint received 2021-12-20
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. (AR)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-12-20
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. (AR)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2022-05-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc. (CA)

I vacated an apartment and cancelled XXXX internet service in XX/XX/XXXX. In XX/XX/XXXX, a collection notice was posted on my credit report, resulting in a major drop in my XXXX credit score. 

I was never contacted by XXXX by phone or mail. Nor did I receive any phone or mailed notice from the collection agency ( franklinservice.com ). I only found out about this claim by checking my credit report. 

The collection agency has not provided the original bills... they only have ones showing an overdue amount with additional interest. I keep requesting the original bills, as I have no idea what the charges are for, or if they're valid. When I occupied the apartment, I paid my bills automatically via credit card, so I was always paid in full and on time. 

My internet searches have shown that this is a common practice with XXXX.
Consumer complaint received 2022-05-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (FL)

Transaction date XX/XX/2022 Money transfer with account number incomplete how is posible the now the bank don '' t know were is my XXXX is for the purchase of a land in FL, closing day is today XX/XX/2022 Are bank keep postponing were we going to loose even the posit
Consumer complaint received 2021-12-20
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Pendleton Capital Management (MO)

Agent divulged personal details about an alleged debt to my brother, a third party who is not a signer on the account nor involved in any way. Information about the alleged debt should not have been given out as the uninvolved third party now has knowledge and information about the alleged debt. Agent threatened legal action.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.