davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-02
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

On XX/XX/2021, I notified credit reporting agencies that they violated the 15 us code 1681 and 15 us code 1681b ( FCRA ). As I know that this will surely affect my further credit deals, I want this to be taken care of.
Consumer complaint received 2020-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report. 

XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX {$340.00} XXXX  XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$630.00} XXXX  XXXX XXXX {$760.00}
Consumer complaint received 2020-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2020 I attempted to access my free annual credit reports from XXXX because it promotes itself as the company selected by the federal government to assist people in obtaining their credit reports. 

Long story short the website did access the credit reporting agencies for me but in the middle of me trying to view my credit reports its link timed out and I was not unable to view 2 of the 3 credit reports and unable to download 2 of the 3 credit reports as well. When I tried to access XXXX or XXXX Credit Reporting Agencies after being timed out I was unsuccessful and equally unsuccessful getting any type of assistance from XXXX. 

This is completely unacceptable behavior by XXXX and the company needs to be replaced and soon too by a competent merchant which knows the importance of good customer service because this company and that is quite evident by the fact that it has no phone number available for customers. I have sent this company numerous emails since it shafted me and they have all been ignored. I haven't received a response from the company and don't expect to because it's remiss in its duties to its customers. 

XXXX needs to be replaced by a competent company because it's very obvious this company does not care about it's customers and is profiting from its relationship with the federal government and little more. Poor customer service is this company 's trademark and it needs to be replaced immediately at least terminated from any type of official relationship with the federal government as it pertains to free credit reports and the like.
Consumer complaint received 2020-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (UT)

Ally Financial is reporting an incorrect status on my account. I fell back behind on payments a few years ago. Since then I have been making my payments on time with no problems. However, the way that they are reporting on my credit is causing me problems. I have not had any issues and ask that you please update my account to show " current, or paid as agreed '' and remove the repo code on it. It is not a repo and I have been making payments on time for the past couple of years.
Consumer complaint received 2020-03-26
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

I have previously submitted Identity theft complaint to all 3 credit bureaus. My FTC report number is XXXX. My issue is I sent 2 separate FTC reports trying to resolve the accounts and inquiries on my credit report that does not belong to me. XXXX, XXXX  and Experian as failed to protect me as a consumer and block those items on my Identity theft reports under the FCRA section 605B. This is a direct violation of my rights as a consumer. How can the verify information that is fraudulent and my personal information has been stolen and used without my permission.
Consumer complaint received 2022-11-05
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. (NY)

Im submitting this CFPB complaint to you today to inform you that I was the victim of identity theft. Per FCRA section 605b you are required to remove any items listed on an ID THEFT REPORT. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ), The Credit Bureaus shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-03-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ID)

We have been told that the Government has now initiated a new program for extending mortgages due to the Coronavirus situation. Supposedly the banks will extend mortgages for up to a year. We have a current mortgage with Bank of America for one of our rental units. We would like to extend this mortgage for at least 90 days because we do not want to be caught in a bind. It looks like more and more states are not allowing eviction for non-payment of rents. If this were to happen to us we would not be able to pay the mortgage on this property. 
We have called Bank of America on XX/XX/20, XX/XX/20 and XX/XX/20 and we were placed on hold for over 2 hours and the call just drops. This repeats no matter how many times we call.
Consumer complaint received 2022-12-29
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC. (FL)

On XXXX/XXXX/2021 I filed a complaint against a fraudulent company called Asset acceptance llc Complaint # XXXX that company sent me a doll if I was seized at that time regarding an account I was unaware of Two days after having a complaint I received a notice of dissolution of continuation of the lien doll. Today I received the same letter trying to collect the same fraudulent debt. I am enclosing a copy of the dissolution that was sent to me. Could you verify all the information in the first complaint? Thank you
Consumer complaint received 2020-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were several accounts open under my name. It is a real upsetting situation that this has happen to me and the amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to us.
Consumer complaint received 2020-03-26
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: American Elite Recovery, LLC (GA)

I got yoked into settling an account for XXXX XXXX, which I found out through filing here that the account was sold to a collection company. I set up a payment plan with XXXX XXXX XXXX or American Elite Recovery on XX/XX/2020. When they started collecting the payments appeared on my statement as paid to XXXX XXXX XXXX XXXX XXXX XXXX. After the FTC contacted XXXX XXXX, who responded via the portal I started receiving phone calls and letters from this law firm. The letter is as followed You have recently made a payment to XXXX XXXX XXXX  or American Elite Recovery of XXXX XXXX XXXX EST in the amount of XXXX, on card ending in XXXXXX. Your card statement, you will see the amount of this charge from The XXXX XXXX XXXX  XXXX XXXX, as we are the former payment processors,. Your funds have been appropriately distributed to the current creditor. 

Please refrain from filing any chargebacks on the payments as it will cause the payments to be reversed by the client, this will be considered fraudulent banking activity, and the client may reactivate your account with excessive fees. 

Again this letter is to confirm, we have ceased payment processing for XXXX  and any fast payments have been remittd to the appreciate client, and your account is in good standing. No further action is needed, If you have future stated payments, they will be processed by another payment processor. If you have further question or concerns please feel free to contact XXXX XXXX XXXX XXXX XXXXXXXX XXXX at XXXX.
Consumer complaint received 2020-04-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (PA)

The TD bank branch where I used to go has closed its doors to any personal contact because of the pandemic. I need to deposit a check and I soon will need to make a withdrawal to pay my rent. I currently do not have an online account. TD 's website does not even explain how to open one. I have a debit card but I have forgotten my pin number, therefore I can not use their ATM machines. Though the website says one can conduct business with TD by phone, this has proven to be untrue. I have not been able to get any contact with TD by phone.
Consumer complaint received 2020-03-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2020 I sent certified mail written communication to Transunion dated XX/XX/2020, requesting verification to substantiate information that is being furnished to them. The request was made pursuant to FCRA 609, FCRA 611 ( a ) ( 6 ) and ( 7 ) in compliance with FCRA 607 that Transunion used to verify all data for each listed account in a effort to avoid violations under FCRA 605. I received communication from Transunion dated XX/XX/2020. Out of 17 request for verification of accounts. Only 1 item was deleted. I request for Transunion to substantiate the information of verification pursuant to FCRA. I requested a detailed explanation of the specific method of verification. They did not provide me with such. Furthermore, on XX/XX/2020 I sent a second certified mail written communication to Transunion dated XX/XX/2020. requesting verification to substantiate information that is being furnished to them. FCRA requires Transunion to clearly and accurately disclose all information contained in my file at the time of my request pursuant to FCRA 609, such as my signature on an application, Agreement to such terms, and any other physical documentation Transunion received and used to verify the information being reported and maintained in my file. Transunion must verify and validity of every notation, dates, balances, required certifications, and the purposes certified for the use of my information as required, and any other possibility of fraud, identity theft, or other related crimes and are reporting incomplete information. The accounts must be complete and accurate or promptly deleted pursuant to FCRA 611 ( a ) ( 5 ) ( A ) ( i ).
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX  Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-06-01
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 (CA)

I deposited XXXX one day. I sent my landlord XXXX for part of my rent and that left a balance of XXXX. PayPal decided that that was suspicious activity and put a freeze on my account. I tried transferring it to my own bank that is linked to my PayPal, it would'nt work. I tried sending the balance to my landlord, it would'nt work. I was on the phone multiple times with representatives saying the problem had been fixed and I should be able to send and receive any amount. Nothing worked. SO VERY FRUSTRATING!!!!!!!!!!!! My daughter sent me XXXX from me selling different things at an antique show. My dads pocket watches and mantle clock and different things I have been accumulating all these XXXX years of my life. I informed them of what each transaction was and they still decided to hold my funds. I am SO FURIOUS. How can a company decide to hold someone elses money??? and for so long???? I need that money for my care. It is not acceptable and the time of 180 days is extremely inappropriate. PLEASE help me!!!!!! I am not happy. XXXX XXXX
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I was doing An investigation of my credit a short while ago and was riddled with panic upon seeing a number of blunders. It is clear to me the information being reported was not wholly accurate. I need this corrected as I am needing a new card and these errors are making it nearly impossible at a fair rate
Consumer complaint received 2022-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

An XXXX XXXX XXXX through Bank of America was fraudulently created in my name, using my home address, on XXXX XX/XX/2022. I noticed the account on XXXX XX/XX/2022 and contacted Bank of America to close the account and report the fraud. The claim number is XXXX. Bank of America 's fraud department requested that I file a claim of fraud with the FTC, which is what this is. I also contacted XXXX to report the fraud and dispute the account and the hard credit inquiry, on XXXX XXXX. 

The following is all the information on the account that I have. 

Account name BANK OF AMERICA Account number XXXX .... 
Recent balance {$0.00} XXXX as of XX/XX/2022 Date opened XX/XX/2022 XXXX XXXX late. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Address identification number XXXX Type Credit card Terms NA Credit limit or original amount {$18000.00} High balance $ 0 Monthly payment {$0.00} Recent payment amount {$0.00} Date of status XX/XX/2022 First reported XX/XX/2022 Responsibility Individual
Consumer complaint received 2021-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This account was not charged off and was paid in full at the time of closure. The incorrect balance being reported is XXXX when the balance should be XXXX. The account was not charged off it was paid and closed.
Consumer complaint received 2020-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report. 

XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXXXXXX {$340.00} XXXX XXXXXXXX XXXX {$400.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$630.00} XXXX  XXXX XXXX {$760.00}
Consumer complaint received 2024-02-04
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FIRST NATIONAL BANK OF OMAHA (SD)

On Wed XX/XX/XXXX I got a text saying {$98.00} for XXXX plus membership was charged on my card. It first national bank of omaha card. I marked it as unauthorized charge cause I didn't make the charge cause I didn't buy a membership from XXXX. Someone had a copy of my card. I called the bank and closed my card and there sending me a new card. I just want my {$98.00} back on my card or account which idk if the bank can do.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Global Lending Services LLC (NC)

XX/XX/2023 I have noticed unauthorized inquiries on my credit report that I would like removed. According to the FCRA these unverified and unauthorized items must be removed. I do not recognize any of these inquires and I am unsure why they are there.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-12
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. (WA)

I was not notified of a balance or payment due. I was only made aware of the balance after my credit report showed a delinquent account. I received no communication from XXXX XXXX that the {$99.00} annual fee was due. This is a card that I do not use and had been told by XXXX XXXX, was closed. 

XX/XX/XXXX - Asked XXXX XXXX to close account. They said it was closed. 
XX/XX/XXXX - Credit Card destroyed and no longer used. 
XX/XX/XXXX - ANNUAL {$99.00} FEE charged XX/XX/XXXX - Notice from Credit Bureau of Delinquent Account. Credit score dropped 80 points XX/XX/XXXX - {$99.00} balance paid XX/XX/XXXX - Card Closed XX/XX/XXXX - Spoke with XXXX XXXX to remove remark. Refused XX/XX/XXXX - Spoke with XXXX XXXX to remove remark. Refused
Consumer complaint received 2021-09-06
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. (MT)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2020-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (MI)

In regard to NAVIENT and XXXX, I had sent a " Goodwill '' request to Navient, asking them to fix the errors ( not delete them ) before disputing the reporting errors with XXXX. The letter Sally Mae and Navient sent back in response was that they are 'accurately reporting and can not change the rating status '. XXXX XXXX  response was that they 'Updated the Rating on the Accounts ' ( see attached documents ) I will, again after submitting this complaint, write to both entities, again, to inform them that they are STILL and willfully and incorrectly, against the laws of the FCRA and FDCPA, reporting my account as accurate and complete. Not only is there an immediate jump to 90 days late, there is another immediate jump to 120 days late following years of on-time payments. FOR ALL 12 ACCOUNTS. 

I have run out of means of assistance, except the CFPB. Please help me fix this.