davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Brown Olcott, PLLC (AZ)

XX/XX/XXXX Brown Olcott , PLLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Made an inquiry for collection of a debt. 
I called on XX/XX/XXXX and left a message along with the case # XXXX for bankruptcy for them to remove the inquiry. 
It is still on reports.
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. (CA)

This is XXXX XXXX who is submitting this CFPB complaint myself. This item is reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXXXXXX 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: Experian Information Solutions Inc. (CA)

This is XXXX XXXX who is submitting this CFPB complaint myself. This item is reporting late as reported in Experian. Lets correct this immediately. Experian is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX XXXX  XXXX )
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. (CA)

Its been well over 60 days since i've reported to all three bureau XXXX XXXX and experian about several incorrect and incomplete information being reported to my credit report. This letter is a formal complaint I've attempted to resolve this matter but i am not getting any answer from the bureau as a consummer I am exersing my right. 


federal law requires respond within 30 days, yet the have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated I am maintaining a careful record of my communications on this matter, for the purpose of filing a complaint the bereau has been willful non-compliance.
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: CITIBANK, N.A. (IL)

On Friday XX/XX/XXXX I logged into my Citibank mobile app and notice that the account that I'm on with my son ending in # XXXX was negative {$5900.00}. After going through the transaction history I see that XXXX checks were deposited and XXXX withdrawals were made and a wire. My son lost his wallet on XX/XX/21. The last time he remember using his card was at a XXXX gas station for {$8.00} and then he couldn't find the wallet anymore. After that he looks like these transaction happened after that. My son is a victim of identity theft and fraud on his checking account. 

I called the 800 number that's on the back of the card immediately, and spoke to a rep. Who stated that I'll need to go into the branch to get my name removed off the account so that they don't try to pull the funds from my sole account. Initially I thought my son had done this because he was looking for a part time job for the holiday and some guy online tried to say he'll mail my son a check to by the computer to do the job and then my sone would write him a personal check for the difference. My son stated after the guy said that he started to ask for his social and driver 's license number and he stop responding so he never provided any info to him. 

On Saturday I went into the Citibank at XXXX AM XXXX in XXXX, IL. XXXX branch and sat with a banker for XXXX hours that couldn't assist me. She called the fraud department and stayed on hold for XXXX XXXX hour and then stated that they must be closed because no one never answered. She then instructed me to go on the mobile app to see if someone would help me. I went back and forth one rep stated he'll get me over to the disputes department and when that rep answered she stated that I was in the wrong department. Finally someone stated that they'll put a dispute in for the {$1000.00} and {$500.00} cash withdraw. Then provided me with a number to call the wire fraud department for {$4700.00} that's not open on the weekend. Then I was told I would have to visit my local bank to dispute the XXXX {$17000.00}. I was there for XXXX XXXX hours and the banker kept telling me that she couldn't assist with this only the fraud department could that never answered.
Consumer complaint received 2021-12-20
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

IN XX/XX/2020, MY UNEMPLOYMENT BENEFITS DEBIT CARD ISSUED BY BANK OF AMERICA WAS MAILED TO THE ADDRESS THAT I HAD ON FILE. AT THE TIME THE CARD WAS DELIVERED, I WAS INCARCERATED AT THE XXXX XXXX XXXX  ADULT DETENTION FACILITY IN XXXX XXXX, CA. THE DEBIT CARD WAS STOLEN AND THE FUNDS WERE WITHDRAWN FROM THE ACCOUNT TOTALING {$15000.00}. UPON RELEASE FROM JAIL I IMMEDIATELY WENT TO THE LOCAL POLICE DEPARTMENT AND FILED A FRAUD REPORT IN REGARDS TO THE STOLEN DEBIT CARD AND FUNDS. I FILED A FRAUD CLAIM WITH BANK OF AMERICA AS WELL. I SUBMITTED ALL THE DOCUMENTS THAT VALIDATED MY CLAIM THAT I WAS INCARCERATED AND THEREFOR COULD NOT HAVE BEEN THE ONE TO RECEIVE THE DEBIT CARD VIA MAIL. DESPITE ALL THE EVIDENCE THAT THE BANK RECEIVED, THE BANK HAS IS REFUSING TO CREDIT ME MY MONEY THAT WAS STOLEN FROM MY ACCOUNT. THE BANK HAS GIVEN ME FALSE INFORMATION SEVERAL TIMES STATING THAT THE CREDIT WAS GOING TO BE APPLIED TO MY NEW DEBIT CARD, HAVING ME WAIT MONTHS FOR MONEY THAT WAS NEVER COMING. DUE TO THIS FRAUDULENT ACTIVITY, I HAVE BECOME HOMELESS AND UNABLE TO FINACIALLY SUPPORT OR CARE FOR MYSELF. HOW CAN THE BANK REFUSE TO GIVE ME MY MONEY WHEN THEY HAVE PROOF THAT IT WAS STOLEN? IS THAT NOT WHAT THE BANKS INSURANCE IS MEANT TO COVER?
Consumer complaint received 2022-10-11
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. (MO)

I am submitting this CFPB complaint to follow up the recent CFPB Complaint I submitted on XX/XX/XXXX. As I previously complaint about, I am requesting that the Credit Bureaus remove the Disputed accounts and information completely from my Credit File. Under the Fair Credit reporting act section 605b, the Credit Bureaus are expected and required to remove any accounts and information that were incurred due to fraudulent activity. Also, the Credit Reporting Agencies have been claiming that the disputed accounts and information are verified thus preventing the immediate deletion of the disputed accounts. However, the Credit Bureaus have not sent me copies of proof of verification from their investigation. This action of the Credit Bureaus is a clear violation of a consumer 's rights under the Fair Credit Reporting Act. Once again, I am requesting that the credit Bureaus remove the following items completely from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX  XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$370.00} XXXX XXXX XXXX  XXXX Balance Owed : {$370.00} XXXX XXXX XXXX  XXXX Balance Owed XXXX {$370.00} XXXX  XXXX XXXX  XXXX Balance Owed : {$370.00} XXXX  XXXX XXXX  XXXX Balance Owed : {$370.00} XXXX  XXXX XXXX  XXXX Balance Owed : {$370.00} XXXX XXXX  XXXX  XXXX Balance Owed : {$2100.00} XXXX XXXX  XXXX Balance Owed : {$510.00}
Consumer complaint received 2019-09-07
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (OH)

I was one month behind on my payment. In XXXX I was put on XXXX  XXXX  XXXX due to a number of health problems and my pay was not correct, so I was short and couldn't make a payment in XXXX, which put me 2 payments behind. I spent most of XXXX and XXXX in the hospital. When I was finally home around XX/XX/XXXX, I sent a payment of {$1500.00} and my regular payment is {$1200.00} to show that I was trying to get caught up. I went to make another payment in XXXX and realized that Loancare had sent back {$1000.00} of the {$1500.00} and kept {$500.00} for late fees. which put me even further behind. I called in XXXX to find out why they sent the {$1000.00} back and they said to avoid foreclosure they needed a total of {$3700.00} by the end of XXXX. I had to wait until I got paid on XX/XX/XXXX to have the full amount they required. I called on XX/XX/XXXX to pay the {$3700.00} and I was told my home was placed in foreclosure on XX/XX/XXXX. They said my only option was to try to get on a repayment plan. So I downloaded the hardship packet and emailed the completed packet on XX/XX/XXXX to the email address I was provided, XXXX. I called on XXXX to confirm my documents were received only to be told that I sent them to the wrong email address and I needed to email to XXXX. This company is very difficult to work with and have policies in place to keep the customer in default by returning partial payments and doing what they want with the rest.
Consumer complaint received 2022-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Transunion has had two separate FTC report sent to them despite the law stating that it is not even needed for inaccuracies but yet they choose to ignore what is being sent and continue to send stall responses as to why they cant use it they have been withholding the documents way pat 7 business days any accounts are still invalid.NO consent is in fact a form of idenity theft. they need to be deleted immediately
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. (MS)

I spoke with XXXX XXXX XXXX, Equifax, XXXX, between XX/XX/2021, until today regarding misinformation and claim of debt. I was not notified of the collection by XXXX. XXXX XXXXXXXX. I do not have documentation from any courts regarding a rental debt. XXXX, Equifax, XXXX refused to provide validation of the debt and certifying information regarding this debt. They refused to conduct a proper XXXX compliance investigation. Failed to provide judgment information regarding alleged rental debt and result in damages for obtaining credit. They also refused to provide all documentation utilized regarding this collection that is a statement as " Validated according to FCRA. '' They also continue to renew the date of delinquency. I also was not provided any information regarding rental history with stated unit regarding alledged debt and delinquency from the time frame it was listed or before it was listed. The total debt alleged is {$2800.00}.
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. (MS)

I spoke with XXXXXXXX XXXX XXXXXXXX, XXXX, Transunion, between XX/XX/2021, until today regarding misinformation and claim of debt. I was not notified of the collection by XXXXXXXX XXXX XXXX. I do not have documentation from any courts regarding a rental debt. XXXX, XXXX, Transunion refused to provide validation of the debt and certifying information regarding this debt. They refused to conduct a proper XXXX compliance investigation. Failed to provide judgment information regarding alleged rental debt and result in damages for obtaining credit. They also refused to provide all documentation utilized regarding this collection that is a statement as " Validated according to FCRA. '' They also continue to renew the date of delinquency. I also was not provided any information regarding rental history with stated unit regarding alledged debt and delinquency from the time frame it was listed or before it was listed. The total debt alleged is {$2800.00}.
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 — Public record information inaccurate
Company: Experian Information Solutions Inc. (TN)

I sent Experian a letter expressing them to remove a public record because I contacted US Bankruptcy to inquire if they reported a XXXX  XXXX to my credit report. The letter from US Bankruptcy stated they DO NOT report any bankruptcy but information is placed on a website called XXXX which is a third-party reporting agency. Credit bureaus can not use third-party information to place on credit reports. Also, Experian has two open accounts for XXXXXXXX XXXX and there is only one open, the other is paid and closed. XXXX XXXXXXXX credit card is also not over the limit.
Consumer complaint received 2022-05-27
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. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In Accordance with the Fair Credit Reporting Act XXXX XXXX  account # xxxxxx XXXX has violated my rights. 

15 USC 1681 section 602 ( A ), states I have a Right to Privacy 15 USC 1681 Section 604 ( B ) section ( 2 ), also states a consumer reporting agency can not furnish a consumer report without my written instructions. 

I reserve all Rights to privacy and have not given written instructions to furnish the reporting of this account.
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

In Accordance with the Fair Credit Reporting Act XXXX XXXX  account # xxxxxx XXXX has violated my rights. 

15 USC 1681 section 602 ( A ), states I have a Right to Privacy 15 USC 1681 Section 604 ( B ) section ( 2 ), also states a consumer reporting agency can not furnish a consumer report without my written instructions.

I reserve all Rights to privacy and have not given written instructions to furnish the reporting of this account.
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: Uplift, Inc (TX)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose.
Consumer complaint received 2024-03-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANKMOBILE TECHNOLOGIES, INC (AZ)

I filed a fraudulent transactions case # XXXX on XX/XX/XXXX with XXXX XXXX. for a total of XXXX  unauthorized charges and XXXX  incorrectly reversed permanent credits for a total amount of {$780.00}. Rather than combining the transactions into a single written complaint XXXX  made me check a box confirming these charges unauthorized XXXX  individual dispute forms. They required each written form be sent to them individually in a secured message in the mobile app as well. XXXX  disputes were issued provisional credits in the amount of {$160.00}. Without warning they closed my account and mailed me a check # XXXX for {$160.00}. I have been unable to get any check cashing company or financial institution to cash this check for me to date leaving me utterly broke for the rest of XXXX. And because my account was closed so late in the month I have not been able to receive my XXXX XX/XX/XXXX payment and now can not pay my mortgage, utilities, or credit card payments. Additionally, my XXXX is starting to suffer as a result of this company 's inaction except to cause me financial ruin. I need XXXX  to issue credits for tge remaining unauthorized transactions, remove any derogatory reports made regarding this accountfrom the XXXX XXXX XXXX XXXX, and provide me with immediate access to my funds via a non-refillable XXXX so I am able to have immediate, unfettered access to my government payment. XXXX XXXX has further victimized me with these actions rather than make any efforts toward protecting me as their customer from consumer fraud. I want CFPB to look deeper into XXXX XXXXXXXX XXXX inappropriate mishandling of permanent credits issued from online fraudulent transactions that occurred more than XXXX  months ago. I discovered all the credits issued had secretly debited from my account after the XXXX  days deadline without any type of notification of said actions. In fact, everything about XXXX XXXX is wrong. I couldn't cash or negotiate a paper check nor would they verify funds to Three different financial institutions. They refused to proved me a pin number to be used with their virtual debit card this as well.
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Americas Car-Mart, Inc. (OK)

I Have discrepancies on my report in towns I never lived, and names spelled wrong on at least 2 of them which aren't mine and it is still showing information from when I was married and filed bankruptcy even before getting divorced in 2010 so none of that should be on there. Also, with the one showing I had late payments is false, I was never late with them, they had me set up on something I knew nothing about until they said I was 60 days late and then said oh our fault, but it's already been reported to credit bureau, nothing we can do about it. I want it off my record. I should have good credit ; no excellent credit and I am tired of not being able to even get a loan to fix my house up because the false information on my report. Thankyou.
Consumer complaint received 2022-05-27
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX. 
Account Number XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXXXXXX { acctdetails.phone } } Date Opened XX/XX/XXXX Responsibility Joint Account Account Type installment Loan Type AUTOMOBILE Balance {$72000.00} Last Payment Amount {$1500.00} Original Amount {$78000.00} 2. 
Account Number XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX { acctdetails.phone } } Date Opened XX/XX/XXXX Responsibility Individual Account Account Type open Loan Type COLLECTION AGENCY/ATTORNEY Balance {$700.00} Original Amount {$700.00} Original Creditor XXXX XXXX XXXX XXXX XXXX Past Due {$700.00} These 2 accounts were opened despite freezing my credit online through TransUnion, XXXX, and XXXX on XX/XX/XXXX. These accounts should have never been opened. A lady consumer advocate or something from TransUnion told me on XX/XX/XXXX that she would fix the situation when I notified her that XXXX XXXX credit monitoring service alerted me that someone is trying to apply for a loan at XXXX XXXX She told me to freeze my credit online with TransUnion, XXXX, and XXXX. I immediately went online and freeze my credit on the same day.
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 — Reporting company used your report improperly
Company: Convergent Resources, Inc. (MI)

XX/XX/22 - {$560.00} This account has been paid in full and it's still showing up on my credit report causing a negative affect. I wish to have this removed immediately. In accordance with the Fair Credit Report act. CONVERGENT OUTSOURCING, INC. has violated my rights, 15 U.S.C 1681 section 602 A states that i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.