davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-07
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I was denied my XXXX direct PLUS loan because of identity theft. There are two accounts ( Capital One, XXXX XXXX, and XXXX XXXX XXXX XXXX - sent to the XXXX XXXX XXXX for debt collections ) that are preventing me from getting my loan. 

I did not make these accounts, and someone is impersonating me ( they have a fake identification with my name and birthday, and they have my social ). 

I am scheduled to graduate in XXXX, but I will have a hold on my account as I am using loans for school and can not pay tuition due to these holds. 

I have filed complaints regarding all of these companies, and I have also filed police reports with the XXXX Police Department ( I am from XXXX ). 

The accounts were all made in XXXX, CA. The person impersonating me/who has stolen my identity has several outstanding payments ( Capital One, XXXX XXXX XXXX XXXX ) and deposited counterfeit checks ( to XXXX XXXX XX/XX/XXXX and XX/XX/XXXX totalling to be {$57000.00} ). 

I have an investigative specialist through XXXX ( XXXX XXXX | Restoration Specialist T : XXXX ) who is aware of all of this and is working on my case. 

Until this is resolved, I can not get my loan for school and therefore can not graduate. I am a XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX student at XXXX University ( online ).
Consumer complaint received 2022-02-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R & B Corporation of Virginia (VA)

Credit Control Corporation committed Fraud on my consumer report. I did not consent benefit nor authorize the collection on my report. According to the FDCPA 15 USC 1681 ( b ) ( a ) ( 2 ), A consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I demand Credit Control Corporation remove immediately.
Consumer complaint received 2023-07-29
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: STATE EMPLOYEES CREDIT UNION (NC)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as ate purpose
Consumer complaint received 2022-09-29
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: DISCOVER BANK (CO)

I'm XXXX XXXX, and I need your help in reaching this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. This is a serious matter, and I'm unhappy that it's now affecting my credit score. As it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They need to figure out who established the account in my name and give those details to them rather than me. Kindly help me in solving this.
Consumer complaint received 2022-10-19
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. (MS)

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report
Consumer complaint received 2019-08-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (AL)

I am writing this complaint because the company will not process the W-9 form that I have sent to them on multiple occasions.  I opened a Citi Priority account in XX/XX/2019.  In order to enroll in their ThankYou Rewards program, I was told that I needed to mail in a W-9 form.  This form would also enable me to avoid federal taxes being withheld from my interest income. (Each month, 24% of interest earned in my Accelerate savings account is automatically withheld.)  As a result, I completed a W-9 form and mailed it on XX/XX/2019, to the relevant address:Citigroup Technology, Inc.XXXX XXXX XXXX XXXX, SD XXXXSeveral weeks later, I called the bank and inquired as to the status of my W-9 form.  Citi said they never received it.  Thinking that it may have gotten lost in the mail, I mailed it once again in late XX/XX/XXXX.  This time, however, I sent it as a certified mail from my local post office. I have the tracking information to prove that the letter arrived at its destination on XX/XX/2019.When I called on XX/XX/XXXX to confirm that it was received, I was told that they have no record of receiving it.  This is the second time that this has happened!  When I pursued the matter further and asked for a case to be initiated, they gave me a reference # and stated that they would contact me with any updates.  On XX/XX/XXXX, I contacted them again because I still had not heard from them.  They are apparently still investigating the case with no end in sight.I do not live near any of their bank branches, so there is nothing more I can do.  I am so frustrated that, through either carelessness or willful neglect, they misplaced my W-9 forms.
Consumer complaint received 2022-10-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

My 15 year mortgage originated in XX/XX/XXXX with XXXX XXXX. In XXXX, XXXX, I inquired with XXXX what needed to be done to remove PMI. On XX/XX/XXXX XXXX mailed me a letter ( attached as pdf " PMI Waiver Request '' ) that I needed to reduce the balance by {$34000.00} and that I could send them cashiers check if I chose to do that principal reduction. I subsequently mailed them the cashiers check for that same amount dated XX/XX/XXXX ( attached as pdf " CASHIER 'S CHECK '' ). Then I received a letter from XXXX dated XX/XX/XXXX ( attached as pdf " PMI Waiver Approval '' ) telling me that I met the requirements to have PMI waived on the loan. I have not had PMI since XXXX of XXXX. 

Recently, Nationstar Mortgage XXXX. d/b/a " Mr. Cooper '' has acquired the loan and is trying to charge me PMI. I telephonically contacted XXXX XXXX in Mr. Cooper 's PMI department on XX/XX/XXXX and supplied them the documentation mentioned above and they said that they will look into it. I received a letter dated XX/XX/XXXX ( attached as pdf " PMI Denial Letter from Mr. Cooper '' ) that stated my request was " ... denied for another reason '' and that I needed to contact their customer service for more information. I called and spoke to XXXX but she was unable to articulate the reason for the denial. 

It is important to note that the changes in PMI requirements did not affect 15 year FHA loans originating prior to XXXX. ( See attachment pdf " XXXX XXXX XXXX ''.
Consumer complaint received 2022-11-18
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. (IL)

In XXXX of 2022 Experian was made aware of fraudulent accounts being reporting due to identity theft fraud. As well Experian was requested by third party debt collector XXXX XXXX XXXX to remove a file.
Consumer complaint received 2021-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I was charged on XX/XX/21 for a {$1.00} charge to view my credit score. I was not aware that 7 days later on XX/XX/21 I would be charged {$26.00} for a subscription. No where was it listed that I would be charged this fee after the initial {$1.00} purchase. They also never sent me any email saying that I would be charged and they never sent a receipt of the order to my email as they did with the initial charge. If I didnt pay close attention to my account this could have went unnoticed as no notice was given my the company.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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 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 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 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NH)

On XX/XX/2023, I was flying from XXXX to XXXX. The XXXX clerk suggested and American Express card that was to give me XXXX bonus miles if I spent more than {$3000.00} in the first few months. I told the clerk I had an American Express in the past and he said it didn't matter. AmEx charged me {$250.00} for the card then promptly refused to give me the bonus miles. I refuted this three times with them and not once did they reply directly to me. I had to keep calling in and get shuffled around only to find out they say I wasn't eligible. 
I can see that I may not have been eligible because I had a previous Amex card but I told that to their representative when he suggested I applied. I was told it didn't matter. My contention is that the agents for American Express ( in this case a XXXX Clerk ) should be educated on the product they are promoting. 
AmEx would not give me the bonus points per the promotion I signed up for.
Consumer complaint received 2022-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

In XXXX XXXX, I reached out to Bank of America to inform them that both my vehicle and purse were stolen between XXXX that same day. Although my debit card had been placed on a lock the night prior at XXXX via the Bank of America XXXX XXXX ( with email confirmation ), the suspects were still able to use my card to make XXXX different transactions at XXXX different stores causing my account to go into negative. When speaking to the representative, they hadnt flagged anything until I made the initial call. They opened a claim saying that it needed to be researched and processed. Next day, XX/XX/2022, called again to give them the police report number and the name of the police department, the rep added the information to the notes. Called again Tuesday because account is still in negative, rep stated claim was still being reviewed although they have all this information all while XXXX dealing with my vehicle being stolen along with all my personal information. It is not Thursday, XX/XX/2022 and my account is still in negative and the claim is still being researched although this shouldnt have never happened in the first place when my bank card was locked using their mobile application.
Consumer complaint received 2022-04-15
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. (NY)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 XXXX i made this clear for 60 days straight with transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2023-03-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MN)

these CRAs are continuing to violate my consumer rights and willfully breaking the law. they are completely refusing to uphold their lawful duties. section 623 is extremely clear about the duties and responsibilities of CRAs and data furnishers.

1. They are not absolved from lawful duties outlined in 623 by litigation.

2. the fcra does not say they can continue to harm me by reporting false or fraudulent data.

3.they can not continue to violate my rights by reporting me as deceased.

4. they can not open and close my accounts at random an without consent. 
5.they can not send harassing letters to " the estate of XXXX XXXX ''. they can not add experiences or transactions to my report. 
6.they can not take more than 30 days to investigate this clear willful and negligent misuse of my data. 
7. they can not continue to violate the entire FCRA FDCPA ETFA and my 4th amendment rights.
Consumer complaint received 2022-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently obtained a copy of my consumer report and noticed several fraudulent inquiries on my report that were unauthorized. I sent each credit bureaus dispute letters to resolve this matter. I have not received any response from any of the credit bureaus and the unauthorized inquires are still showing on my report
Consumer complaint received 2022-02-27
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. (FL)

XXXX, TRANSUNION, XXXX ARE FRUADS!!!!!!! AND ruining consumers CREDIT!!!!!! I HOPE THIS COMPANY GETS SHUT DOWN By the government!!!! 

XXXX DO NOT DESERVE TO BE IN BUSINESS SINCE THEY DO WRONG BY MANY CONSUMERS!!!! 

Im going to EXPOSE you in a LIE and keep it very short and simple. 

So, CFPB, pay attention to the details to what I state and the documentation for PROOF of what I say. 

I, XXXX XXXX, sent XXXX an letter via certified mail ( I got the receipt ) dated on XX/XX/2022 and CLEARLY explaining to XXXX that there is billing errors- 15 U.S. Code 1666 - Correction of billing errors on my report and it needs to be corrected. 

I also called the same day to tell XXXX to update all the late payments on my report that its a billing error. They use the same old excuse that they have to investigate and it could take up to 60days. 

What the the XXXX is that? I AM THE CONSUMER AND CLEARY TELLING YOU ITS AN BILLING ERROR - 15 U.S. Code 1666 - Correction of billing errors AND TELLING YOU TO UPDATE AS PAID ON TIME So today, XX/XX/2022 I received a letter from XXXX stating they need they needs two forms of ID from me, keep in mind the first letter I sent had a copy of my drivers license in it, so now they using that as an excuse!!! 

Because remember I called them the same day to confirm and verify all MY INFORMATION!!! 

You XXXX crooks!!!! 

Yall just caught yall selves in a lie!!!!! 

so its clear that XXXX DO NOT follow Federal Law!!! XXXX IS IN MANY VIOLATIONS AND NEEDS TO BE PUNISHED AND SHUT THIS COMPANY DOWN!!!! 

XXXX is putting out false information and misleading - 15 U.S. Code 1692e - False or misleading representations XXXX is - 18 U.S. Code Chapter 47 - FRAUD AND FALSE STATEMENTS XXXX is violating the Fair Credit Reporting Act - 15 U.S. Code 1681 - Congressional findings and statement of purpose XXXX is abusing me by reporting false information on my behalf after Im telling them of their wrong doings - 15 U.S. Code 1692d - Harassment or abuse XXXX reporting late on a open ended credit plan and that is a VIOLATION 15USC 1666 ( B ) XXXX DO NOT RESPECT THE FAIR CREDIT ACT!!!! 

And for that reason they needs to shut you XXXX down I hate XXXX and as a consumer I have the rights to express myself!!! Yall are ruining my life and Justice needs to be done today!!!!!!!!!!!! SHUT DOWN XXXX!!!!!!!!!!!!!!
Consumer complaint received 2023-07-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (SC)

Cavalry Portfolio service had put a debt collection on my credit not once but two time for two different amount for XXXX. Now I only had one account with XXXX years ago, which has be written off and has been removed from my credit report by XXXX!! I think it was 2 years ago. Cavalry portfolio service has put on my credit 2 times a debt from XXXX for 2 different amount!! One for {$2100.00} and one for {$1200.00}. I only had one account with XXXX!!! Years ago and again XXXX has removed everything about them from my credit years ago. Thank you for any help to resolve this matter
Consumer complaint received 2022-02-27
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. (NC)

In accordance with the Fair Credit Reporting Act. XXXX Account # XXXX ( XX/XX/XXXX ) {$680.00} XXXX  XXXX XXXX XXXX Account # XXXX ( XX/XX/XXXX ) {$2800.00}, has violated my rights. 

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
Consumer complaint received 2022-02-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: We Collect Inc (OR)

I received a letter from Atlas Financial Services dated XX/XX/22. It was sent to my prior address in an envelope commonly used for " junk mail ''. It stated I owed XXXX  XXXX XXXX {$400.00} in principal and {$150.00} in interest for a total of {$550.00}. 

Atlas Financial did not include the language that I have 30 days to dispute the debt and are in violation of the FDCPA. 

I have sent a letter disputing the debt as my records show I paid XXXX  XXXX XXXX in full. 

Thank you, XXXX XXXX
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2022-02-27
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. (NJ)

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the XXXX XXXX compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2022-02-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (FL)

I have received XXXX open checking accounts from TD bank and XXXX XXXX. I received welcome letters and checks. I have reached out to both banks and will call back the next business day to speak with the fraud Department since it is Saturday.
Consumer complaint received 2022-02-27
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: Experian Information Solutions Inc. (CA)

I recently obtained a copy of my consumer report and noticed several fraudulent inquiries on my report that were unauthorized. I sent each credit bureaus dispute letters to resolve this matter. I have not received any response from any of the credit bureaus and the unauthorized inquires are still showing on my report