davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-29
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. (NY)

I use to work for a company back in 2013 that went bankrupt shortly after my departure as an employee. I moved on with my life and studied XXXX  and became a XXXX XXXX XXXX for one of the biggest XXXX XXXX in XXXX. I recently noticed credit card account reporting on my credit report that i had never opened and never used at first i was very confused because there was no explanation to how it got there. When i dug a little deeper and called XXXX  to try and resolve this issue i found out that it was a Business credit card that belonged to the company i use to work for. I never had any idea that this account was linked to my social security number. I tried to resolve this issue with both the Creditor and the credit bureaus but the account is still reporting on my credit report as if it belongs to me. Not only the statue of limitation already passed ( Its been Over 7 years ) the account is being reported as a collection and with a balance of more then 5,000 dollars.
Consumer complaint received 2020-09-29
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: EQUIFAX, INC. (CA)

After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events.

I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.
Consumer complaint received 2015-05-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

The issue is I purchased a house in Louisiana I XX/XX/XXXX and shortly afterward I joined the military. Since I got stationed in XXXX. I allowed a family member to stay in the house under the condition she would pay the mortgage. Unfortunately she was n't paying the mortgage and I did n't find this out until XXXX XX/XX/XXXX she had n't paid for 42 months. But it was too late for me to rectify the situation. The mortgage was already XXXX dollars in the behind and I do n't know. I had n't received any notification from the mortgage company. Nothing was showing on my credit report. Now the bill is close to XXXX dollars. Nevertheless the mortgage did n't foreclose because I was a military member. So I tried to make some type of arrangements to get the back mortgage under control, but the mortgage company refused to accept any payment less that XXXX dollars, but wo n't foreclose on the property either. I then tried to surrender the property back, but I kept getting the run around and then finally denied for information for not providing information when I did provide it. So now all the property is doing is accruing debts. I have the house up for sell, but now the mortgage representative are lying to my real estate agent saying that ca n't give her a BPO without me revoking my cease and desist. They are using the fact that I 'm in the military as a loophole to allow the property to get deeper and deeper debt. I 'm not even stationed in the state that the house is in. The mortgage company is making every attempt to make any resolution to this issue impossible. The company is trying to force me into a Loan modification.
Consumer complaint received 2021-02-07
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: ALLY FINANCIAL INC. (WA)

There were 2 credit inquiries on XXXX XXXX, 2021 by Ally Financial and XXXX XXXX XXXX regarding auto loan. I didn't make any inquire for auto loan application in last one month. I checked my XXXX XXXX on the same day on XXXX XXXX XXXX website and found these inquires which I didn't recognize. I reported it to XXXX. I also enabled temporary credit fraud alert on XXXX.
Consumer complaint received 2020-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

in XX/XX/XXXX, I notice that prosper marketplace reported inaccurate credit information to the three major credit bureaus : XXXX, Experian, and XXXX XXXX. 

XX/XX/XXXX : I Fiuled a Ch XXXX Bankriptcy - the payment history according to Prosper Marketplace ( inaccurate and incomplete ; also an account I don't even recognize ) -recording as NEW derogatory account credit bureaus are not investigating it -have contacted them several times to verify and correct this inaccurate and incomplete information. 

I have records of all of this : documents by both Prosper and Experian and XXXX XXXX saying it was verified, but there is no verification, m according to furnisher ( Prosper ) under factor XXXX fair and accurate transaction act, I'm entitled to the information that Prosper allegedly has, and has reported to the credit bureaus. It's been seven months, ( will include documentation of all correspondence )
Consumer complaint received 2020-09-29
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. (MD)

I contacted the credit bureaus on numerous occasion in regards to erroneous items on my credit report. I tried reaching out to XXXX, Transunion, and XXXX. I have yet to receive any documentation and its investigations have extended longer than the 45 days. I am now requesting these erroneous items be removed from my credit report.
Consumer complaint received 2020-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Portfolio Recovery : They keep adding an old account to my credit report as a current account and as an open account when it has been closed for several years, and changing the date that the account was opened, when the account is actually over XXXX years old, they do not even list an account number because it is too old. 

account of XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Ohio XXXX
Consumer complaint received 2020-09-29
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: JPMORGAN CHASE & CO. (NY)

I use to work for a company back in 2013 that went bankrupt shortly after my departure as an employee. I moved on with my life and studied XXXX  and became a XXXX XXXX XXXX for one of the biggest XXXX XXXX in XXXX. I recently noticed credit card account reporting on my credit report that i had never opened and never used at first i was very confused because there was no explanation to how it got there. When i dug a little deeper and called chase to try and resolve this issue i found out that it was a Business credit card that belonged to the company i use to work for. I never had any idea that this account was linked to my social security number. I tried to resolve this issue with both the Creditor and the credit bureaus but the account is still reporting on my credit report as if it belongs to me. Not only the statue of limitation already passed ( Its been Over 7 years ) the account is being reported as a collection and with a balance of more then XXXX   dollars.
Consumer complaint received 2020-09-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I was taken to the hospital I was employed at, we have insurance thru this same hospital, all insurance claims were to be sent to our hospitals insurance carrier i never received a invoice for anything then all of sudden when checking out my credit report this doctors group had sent it to collections, now it appears on my credit report twice as the first collection company sold it to another, this is not right, I paid my copay for the services rendered and if you look up the history of this doctors group they do this all the time, several complaints have been filed against this group, which basically all they are a traveling doctors to fill in when hospitals have shortage of medical staff.
Consumer complaint received 2022-11-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

I was banking with usaa when my checking account was hacked. The hackers made bad check deposits and requested official checks with guaranteed funds from what I can gather. They also sent my wife a XXXX  for {$1000.00}. 

I told usaa about this issues within 1 hour of the attack on my account. They launched investigation and within days decided to end our banking account with them. 

They've continually hung up on me when I try to get answers on why I can't change my payment amount on my usaa life insurance. 

All in all I've lost over {$2500.00} because of this
Consumer complaint received 2016-01-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (AZ)

In review of my credit report I noticed that a " XXXX XXXX. '' was reporting a delinquency on my credit report. Per the attached Office of Comptroller of Currency Document provided to me by XXXX XXXX Bank XXXX, XXXX XXXX XXXX ceased to exist XXXX XXXX, 2011. I disputed the apparent fraudulent reporting by a non-existent entity and " XXXX Bank '' responded, a trade name. They changed the reporting to " XXXX XXXX Bank ''. The Problem? XXXX Bank and XXXX XXXX Bank are trade names and therefore can not legally conduct business in regards to contracts. Remember " XXXX '' and XXXX? If XXXX XXXX Bank XXXX. is the legal entity they must be the reporting entity. We can not assume this without proper documentation from the legal entity which may or may not be XXXX XXXX Bank XXXX. It appears that some un named entity is " Intentionally Misrepresenting '' who the legal entity is? ( fraud ). I ask that the CFPB force the legal entity to be identified, if possible, so I may work with them to resolve. If it is XXXX XXXX Bank XXXX. I would think they would have initiated the reporting and would have responded. Not XXXX Bank that exists as a trade name only per the attached. I was told by the credit reporting agency, Experian that it would take up to 60 days to have a response to my concerns of " XXXX Bank '' trade name conducting business as if a legal entity.
Consumer complaint received 2020-09-29
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. (IL)

I made a payment on my XXXX XXXX XXXX on Friday XX/XX/2020 at XXXX XXXX with my debit card. XXXX XXXX failed to post my payment based on their terms and conditions. My statement closed at midnight XX/XX/2020 but because XXXX XXXX failed to correctly post my payment they incorrectly reported a statement closing balance as {$400.00}. I spoke with a supervisor at XXXX XXXX by the name of XXXX agent ID XXXX. She pretty much said XXXX XXXX terms about posting payments are incorrect and the cut off time is XXXX CST. I informed her that is un-ethical to provide mis-leading terms and conditions. She failed to help me and said it is what it is. Wasnt apologetic at all. No customer service skills what so ever. Not quite sure how shes a supervisor. Very disappointed in the way she was speaking to me. She also refused a manager, told me she doesnt know their schedule and failed at informing me how I can speak to a manager. XXXX XXXX XXXX reported this incorrect balance on my credit file, which made my XXXX XXXX score decrease significantly. I was in the process of doing a redetermination for a loan. I was denied the loan specifically because my Experian XXXX XXXX score decreased due to XXXX XXXX reporting inaccuracies.
Consumer complaint received 2020-09-29
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. (IL)

I made a payment on my XXXX XXXX XXXX on Friday XX/XX/2020 at XXXX XXXX  with my debit card. XXXX XXXX failed to post my payment based on their terms and conditions. My statement closed at midnight XX/XX/2020 but because XXXX XXXX failed to correctly post my payment they incorrectly reported a statement closing balance as {$400.00}. I spoke with a supervisor at XXXX XXXX by the name of XXXX agent ID XXXX. She pretty much said XXXX XXXX terms about posting payments are incorrect and the cut off time is XXXX CST. I informed her that is un-ethical to provide mis-leading terms and conditions. She failed to help me and said it is what it is. Wasnt apologetic at all. No customer service skills what so ever. Not quite sure how shes a supervisor. Very disappointed in the way she was speaking to me. She also refused a manager, told me she doesnt know their schedule and failed at informing me how I can speak to a manager. XXXX XXXX XXXX reported this incorrect balance on my credit file, which made my XXXX XXXX score decrease significantly. I was in the process of doing a redetermination for a loan. I was denied the loan specifically because my XXXX  XXXX XXXX score decreased due to XXXX XXXX reporting inaccuracies.
Consumer complaint received 2022-11-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (NC)

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 U.S.C 1681. 

Aldous account number XXXX under XXXX I don't know who this company is what debt that they say I owe. Aldous never received written notification from me the consumer giving them permission to report on my credit. Without verification of this debt violates my rights as a consumer. 
15 USC 1681 Section 602 ( A ) States I have the right to privacy 15 USC 1681 Section 604 ( a ) States a consumer reporting reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) 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 USC 1681n ( a ) ( 1 ) ( a ) states any person willfully fails to comply with any requirements imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum. Also, any actual damages sustained by the consumer as a result of the failure or damages of not than {$100.00} and not more than {$1000.00}.

15 USC 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 2020-06-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (OR)

On XX/XX/2020 i initiated a money transfer via Moneygrams app which I have done before to my father in the amount of {$2900.00}. We did not know my fathers account has a credit cap if {$2500.00} so his financial institution rejected the credit to his account twice ( verified with them ). I called moneygram to receive and refund and they have stated the past 5 times I have called that they are u able to process it and it will take up to 30 days HOLDING my {$2900.00} money in limbo ( making interest off it ) and not give me any information on such a straight forward refund. It would take their team a simple phone call to verify the bank rejected the money to be able to refund it back to me. I need that money back.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2022-11-06
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. (CA)

In Accordance with the Fair Credit Reporting Act the following accounts have violated my right. 

XXXX XXXX XXXX XXXXt # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As stated in 15 U.S.C 1681 Section 602 A, it states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-09-29
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. (NY)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX Original creditor : XXXX  Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX {$16000.00} Closed 10 charge-offs XXXX XXXX XXXX {$9000.00} Closed XXXX charge-off XXXX XXXX Original creditor : XXXX {$770.00} Balance updated XX/XX/XXXX XXXX   XXXX XXXX ORIGINAL CREDITOR XXXX XXXX   {$350.00} BALANCE UPDATED XX/XX/XXXX, XXXX XXXX XXXX Original creditor : XXXX XXXX  {$350.00} The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX
Consumer complaint received 2020-09-29
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. (TX)

XXXX and Transunion should not be reporting that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Consumer complaint received 2022-11-06
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)

Starting XX/XX/XXXX, I began the process of trying to close my PayPal account. They have access to sensitive financial data such as bank accounts with routing numbers. At first, I was told I could not close my account because it was " linked '' to Venmo. I called Venmo customer service, and they confirmed that there was no link, and had never been a link to PayPal. I forwarded this information to PayPal and they started telling me it was some kind of unspecified system error that was keeping them from closing my account. I tried continuing to contact them for 2 weeks, and would either get the Venmo account link excuse, or the unspecified error excuse. After 2 weeks, I just flat out deleted my Venmo account since PayPal is their parent company. After deleting the Venmo account, PayPal still refused to close my account. I waited another 2 weeks ( it has been 22 days since I've been trying to close the account ) and I've contacted them nearly every day. They are holding the account hostage and not giving me any additional information about what the issue is that is keeping them from being able to close the account. From a quick internet search, it sounds like they are doing this to a significant number of their customers, and they have a lot of people angry over some XXXX language change. They appear to be holding customer accounts hostage because they do not want to lose account numbers over this issue. I'm hoping a CFPB complaint will help me to finally close my account with PayPal.