davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I applied for a XXXX Credit Card today XX/XX/2020 and unfortunately, I was not approved due to having several negative accounts on my credit report. I had no idea that these accounts were on my credit report because I did not open any of them. I have no idea who opened these accounts in my name without my permission but I have already filed a police report. I did not gain anything from these accounts such as money, goods, services or any other benefit and I never made any purchases or payments towards any of these accounts.
Consumer complaint received 2020-01-15
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 applied for a XXXX Credit Card today XX/XX/2020 and unfortunately, I was not approved due to having several negative accounts on my credit report. I had no idea that these accounts were on my credit report because I did not open any of them. I have no idea who opened these accounts in my name without my permission but I have already filed a police report. I did not gain anything from these accounts such as money, goods, services or any other benefit and I never made any purchases or payments towards any of these accounts.
Consumer complaint received 2019-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I send a letter and placed a call to Trans union on XX/XX/XXXX to dispute some errors on my credit report ... .the operators whom answer their XXXX are all located outside the XXXX XXXX their language skills on comprehension of the English Language are not the best and today i receive a letter saying they had put a fraud alert on my credit, when i ask for this to be removed via phone and via letter As well for the inquire XXXX XX/XX/XXXX XX/XX/XXXX Credit card and travel / entertainment companies to be removed since i had not done, Both were follow up with a letter, nothing got done, the credit bureaus are not following the law and doing what ever they want.
Consumer complaint received 2023-05-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Please see previous complaint and response. I am not going away. I want the name of the person at Bank of America who continues to commit fraud by accessing my account without my consent. I plan on bringing a lawsuit. This is not difficult. Just pretend I am white and go from there.
Consumer complaint received 2020-01-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

I would like to request the CFPB help with a debt validation matter with Portfolio Recovery Associates. While reviewing my personal credit reports I noticed them listed and began investigating. On XX/XX/XXXX I sent an affidavit of notice for demand of debt validation to Portfolio Recovery Associates requesting they provide competent evidence that i have any legal obligation to them for an alleged debt they're reporting I owe. I was very specific in the information I wanted to validate, as well as to allow 30 days for processing after I receive the information back from them. On XX/XX/XXXX my affidavit was received by Portfolio Recovery Associates. On XX/XX/XXXX, I first received a correspondent dated XX/XX/XXXX with the alleged original account number, last 4 digits of SSN, the date this alleged account was opened and a statement to contact them if I would like to receive a payment history of payments. A few days later, XX/XX/XXXX, I received additional correspondences { also dated XX/XX/XXXX } that included a computer-generated letter from the alleged original creditor, alleged billing statements that does not even include my full name ( XXXX XXXX XXXX ) and a " statement '' that this establish its validity. I have since sent an another letter { XX/XX/XXXX }, requesting additional information as I DO NOT believe that have validated their claim, it was received by them on XX/XX/XXXX. I am writing to you due to their non-compliance, as I strongly believe they are in violation of the FCRA and I fear that they may outright refuse to uphold the law. First, they have continued to send invalid information to the credit reporting agencies during the validation period AND with a statement " Subscriber reports dispute resolved - consumer disagrees ''. Who resolved it? Reporting on a debt that has not been validate is a violation of the FCRA. Second, they have not demonstrated through compliance they have legal grounds to seek from me this alleged amount they claim I owe. The letter for the alleged original creditor is not signed therefore it can not be authenticated to be certified under testimony to be true and accurate. Third, there are two different amounts for this alleged " balance '' on the correspondences they sent. The unsigned letter from the alleged original creditor shows a balance at time of sale of {$8100.00} and the correspondence from Portfolio Recovery shows a balance of {$8100.00}. Which is accurate? Additionally, the two statements dated, XX/XX/XXXX with an alleged balance of {$6900.00}, the other dated XX/XX/XXXX with an alleged balance of {$8100.00} - how did it go from {$6900.00} to {$8100.00}? I have attached documentation for your review and respectfully request HELP!
Consumer complaint received 2019-12-02
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. (GA)

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 



ACCOUNTS : XXXX XXXX XXXX XXXX {$530.00} XX/XX/2017
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require deletions. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled or removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-27
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. (FL)

The credit bureaus stated my account was properly investigated but how Is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is inaccurate. This ground for removal they also violated my rights under 15usc 1681 section 602 15 usc 1681 section 604 A section 2 also the credit bureaus took more than 30 days to complete my investigations
Consumer complaint received 2020-01-15
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. (CA)

I applied for a XXXX Credit Card today XX/XX/2020 and unfortunately, I was not approved due to having several negative accounts on my credit report. I had no idea that these accounts were on my credit report because I did not open any of them. I have no idea who opened these accounts in my name without my permission but I have already filed a police report. I did not gain anything from these accounts such as money, goods, services or any other benefit and I never made any purchases or payments towards any of these accounts.
Consumer complaint received 2020-01-15
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. (GA)

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

*XXXX XXXX XXXX {$480.00} XXXX XX/XX/XXXX XXXX  XXXX XXXX* {$730.00} XXXX XX/XX/XXXX XXXX  XXXX XXXX   XXXX* {$53.00} XXXX XX/XX/XXXX XXXX* {$9000.00} XXXX XX/XX/XXXX *XXXX XXXX XXXX {$5100.00} XXXX XX/XX/XXXX XXXX XXXX* {$650.00} XXXX XX/XX/XXXX *XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX/XXXX* XXXX XX/XX/XXXX *XXXX XXXX {$960.00} XXXX XX/XX/XXXX XXXX XXXX   XXXX* {$53.00} XXXX XX/XX/XXXX *XXXX  XXXX XXXX {$5100.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX* {$480.00} XXXX XX/XX/XXXX -- -- -- -- XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX XXXX I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX   XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX
Consumer complaint received 2024-03-13
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. (GA)

my account with XXXX XXXX XXXX Acct # XXXX is reporting as late on all 3 bureaus. 
In accordance with the FAIR CREDIT REPORTING ACT XXXX XXXX XXXX has violated my rights 15 USC 1681 sec 602 states : I have the right to privacy.

15 USC 1681 sec 604A sec 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states : A creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any reason.
Consumer complaint received 2022-12-27
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report 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
Consumer complaint received 2024-06-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (GA)

On XX/XX/year> I transferred {$1500.00} total from my XXXX to my Citibank account I opened that day ( proof of these transfers are attached ). I withdrew {$1000.00} from the citi account on XX/XX/XXXX and citi shortly closed my account for no reason citing fraud alert. I had {$500.00} left in the account and ever since XXXX I have been calling citi for an update on this matter. For the first 60 days they said the funds will be returned by itself within 60 days. 60 days passed I called again they said they transferred me to multiple departments who tell me different things. I eventually got to the new accounts fraud department a few weeks ago who said I needed to prove this is my money so I sent them the screenshots that I attached. Then they said they will email the department that handles this but every time I call they said they have no response from that department. Today I called again they said the account takeover team handles this, I got transferred over and waited for XXXX minutes they said they were checking the issue and then I got hung up on. I have been very patient with citibank but they are not taking this seriously and I'm not getting anywhere so I am seeking helping from CFPB hoping I can get some help. And I have seen online a lot of people are dealing with a similar problem with citibank closing their accounts and not giving their money back. It's horrific that a big trusted bank can act like this, that we have to beg for our own money back.
Consumer complaint received 2022-12-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MN)

Wells fargo refused to negociate with us on a loan modification. As we were being assisted by another Government agency. They refused to XXXX us a new modification and put us in danger of forclosure for over 1 year before allowing the modification to go through.
Consumer complaint received 2020-01-15
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. (SC)

I WOULD LIKE TO KNOW THE REASONS AS TO WHY THE NEGATIVE REPORTING ACCOUNT FOR XXXX XXXX ( XXXX ) IS STILL REPORTING AS AN UNPAID CHARGE-OFF ON EQUIFAX, XXXX  AND XXXX. WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/2019, WITH NO RESPONSE, NOR SUCCESS FROM EQUIFAX, XXXX  OR XXXX. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAS TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.
Consumer complaint received 2020-01-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Continental Finance Company, LLC (FL)

This company called my place of business and threatened to have me served with papers to appear in court for a debt from XX/XX/2014 for {$1600.00}. I called them immediately and they stated I had to sign documents and agree to settle a past debt or I would be subpoenaed at work. I checked my credit reports and this debt is not on any of the reports. They are aggressive and threatening. I can not find them on the internet and they seem to be fraudulent. Please advise.
Consumer complaint received 2022-12-07
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. (NV)

XXXX. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS XXXX. THE ONLY BUREAU THAT I CAN ACTUALLY LOG INTO IS XXXX and myFico because I have to pay BUT THEY STILL HAVE NOT REMOVED THE OLD ADDRESS, INQUIRIES AND LATE PAYMENTS. 

XXXX. UPDATE AND SUPPRESS NEGATIVE INFORMATION XXXX UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. XXXX AND EQUIFAX WILL NOT LET ME LOG IN EVEN WITH THE RESET. I AM REGISTERED FOR ALL, THIS IS UNBELIEVABLE. 

please update and suppress negative information, and inquiries that are not attached to any accounts XXXX. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS. IF I AM ABLE TO LOGIN THEN I WILL LOCK THEM MYSELF YOU ARE IN VIOLATION OF 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

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.

has violated my rights. Or a 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 2019-12-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: MARINER FINANCE, LLC (MD)

Mariner Finance sent me by mail an unsolicited loan-check in amount of {$1200.00}, dated XX/XX/2019. 

Sending live checks ( or any other type of credit check ) is just predatory and puts my credit at risk - anyone could steal mail from my mailbox and have fun at my expense. 

I have never requested any loan from Mariner Finance, nor I am interested in their services. I want them to stop sending me credit/services offers. The opt-out information they provide doesn't apply only to Mariner Finance but all other creditors, and I am not interested in filling out forms that require my SSN. 

Branch Manager of XXXX, MD, take my name out of all of your branch 's and Mariner Finance 's marketing/credit/services list, and do not contact me at all through any medium.
Consumer complaint received 2024-06-06
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST NATIONAL BANK OF OMAHA (CA)

I applied for and was approved for a credit card and shortly after receiving it I made XXXX online purchase on XX/XX/XXXX. On XX/XX/XXXX I attempted to use the card in person and was declined. I went to the app to try to figure out what was going on and it said I had no account. When I log onto to the website XXXX cant access my account. When I called the bank I was told they were unable to verify my identity and that I would have to go into a bank and have them call them. They will allow me to make an over the phone payment on the card, but they will not tell me the balance, what is owed, or when it is due. I am temporarily XXXX recovering from an injury so a trip into a bank is more than a minor inconvenience, and the only other option I was provided was emailing in various notarized documentation that I dont have on hand. So in the end they allowed me to open a credit line in my name and make two purchases, then locked the account saying they are unable to verify my identity, and will only allow me to guess how much and when to pay. I have no interest in doing business with them any longer, however closing the account will negatively affect my credit score. It is irresponsible and deceptive to allow a credit line to be opened without sufficient identity verification especially when I, as a consumer, have no remedy without damaging my credit score.
Consumer complaint received 2022-10-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NC)

When Covid forbearance started I continued to make a few payments ( on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all for {$180.00} each for a total of {$720.00} ). Over a month ago on XX/XX/XXXX, I called them and asked to have those payments refunded. I was told I would have to wait 150 days for it to be processed. This would mean that I would have to wait to submit my loans for the forgiveness program and would start to accrue interest. I just checked my account today ( XX/XX/XXXX ) and they have already started charging me interest ( {$44.00} ) even though it is still in Covid forbearance and should be XXXX XXXX interest through the end of this year. They also no longer show the payments I made on the dates above in my payment history but have not yet refunded me or updated my account.