davidheineman/consumer-finance-complaints-large huggingface dataset:
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: EQUIFAX, INC. (NC)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Adjusters, LLC (SD)

The XXXX XXXX XXXX  AKA XXXX XXXX XXXX had a card opened fraudulently in my name. It appears on my credit report. When I contacted them about removing it, they added an additional file with a collections account with National Credit Adjuster. I now have two fraudulent lines on my credit report.
Consumer complaint received 2023-01-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (OH)

An old navy card I got a few years ago was used not by me. I have even misplaced this card. Charges were made in a different state even that I live in. I disputed and that was reported as accurate info so I owe for the purchases and late fees
Consumer complaint received 2023-05-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (GA)

I received a alert on my XXXX credit report that I was flagged in collections for {$860.00} I call the number provided and talked to a guy by the name of XXXX XXXX he stated that I had an account from XXXX XXXX I explained to him that I never had XXXX XXXX XXXX account from XXXX  XXXX and he told me we can handle it for {$400.00} he also said I lived at XXXX XXXX XXXX and they sent letters to a address that belonged to me that was XXXX XXXX  XXXX XXXX XXXX ga I let him know I have never lived there that I lived at my current address at those times I asked for a contact at witch he said he cant provide that there was no contact he wanted me to send him my Id and other information I then again explained to him that they had the wrong person Ive never lived in those places that I lived at my current address at that time and that I received disability and cant afford XXXX XXXX.That they have the wrong person.
Consumer complaint received 2020-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Total Card, Inc. (SD)

The XXXX  XXXX XXXX  AKA Total Visa  Card had a card opened fraudulently in my name. It appears on my credit report. When I contacted them about removing it, they added an additional file with a collections account with XXXX XXXX XXXX. I now have two fraudulent lines on my credit report.
Consumer complaint received 2020-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: E*TRADE BANK (IL)

I opened an account with etrade online. I deposited a {$2000.00} check in XX/XX/2020 and then etrade closed the account. They kept my {$2000.00} and still have not given my money. Its been 6 months
Consumer complaint received 2019-12-28
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 never went to this school or any school. I never obtained Federal Student Loans of any kind. The information on my credit report is fraudulent. I have made an identity theft report to the police several years ago, yet XXXX is still posting negative marks on my credit report. Please make this stop so I can go about my life with decent credit. Thank you.
Consumer complaint received 2024-03-20
Product: Credit reporting 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 recently reviewed a copy of my credit report. I was shocked to learn. I have been a victim of identity theft. I found numerous accounts on my credit report they were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2022-10-17
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. (MO)

This is XXXX XXXX submitting yet another CFPB Complaint to request to the Credit Reporting Agencies to remove the disputed accounts in which I believe to be reporting erroneous information on my Credit File. While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. Pursuant to 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, I need the Credit Reporting Agencies to notify me when the items have been deleted. Please reinvestigate the following accounts and have them corrected and or removed : XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2020-10-05
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. (TX)

I have noticed that XXXX  XXXX has not reported one of my CC ( XXXX ) correctly since XXXX. 
I made contact with them and was given NO reason why it wasn't being reported correctly.
Consumer complaint received 2020-10-05
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. (TX)

I have noticed that XXXX XXXX has not reported one of my CC ( XXXX  ) correctly since XXXX. 
I made contact with them and was given NO reason why it wasn't being reported correctly.
Consumer complaint received 2017-05-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (TX)

American Express : account XXXX Credit Limit Opened Rate Payments Closed Balance {$3200.00} XX/XX/2016 N/A $ XXXX/mo XX/XX/2016 $ XXXX American Express : account XXXX Credit Limit Opened Rate Payments Closed Balance {$1000.00} XX/XX/2016 N/A $ XXXXmo XX/XX/2016 $ XXXX
Consumer complaint received 2017-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Flagstar Bank, National Association (OH)

Dear CFPB : When I went to check my Credit Report and FICO Score I noticed that I had over 13 late payments for my mortgage. I have an automatic payment plan with my bank that pays this mortgage payment on time every month for the past 10 or so years.
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I sent a RESPA Letter to New York Community Bank and when I received their response it was incomplete but showed that when then took over   XXXX   XXXX   XXXX   Account 's ... New York Community Bank was receiving payments but NOT posting them timely to my mortgage account. In addition, New York Community Bank withdrew every penny I had in escrow to cover fees that they said I occurred for the 'late payments '.
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I asked them to correct this information over a year ago and refund the escrow monies. I have not heard a word.
Consumer complaint received 2023-03-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (CO)

We lost our home in a wildfire. This was a federally declared disaster. Cardinal Financial holds our Mortgage Loan. All insurance proceeds checks are made out to Cardinal Financial, as well as us. We have endorsed all checks and forwarded them to Cardinal. On XXXX XXXX XXXX we mailed our most recent insurance check to Cardinal. They have not returned our money to us. We understand their need to hold the amount of our loan, but these funds are above and beyond that amount. Cardinal is delaying are ability to move forward on our rebuild. We have written to Cardinal on XX/XX/ asking them to release the funds. We called and asked for the funds on on that date and also on XXXX XXXX XXXX  We spoke to a supervisor named XXXX in the Loss Draft Department. She said to write a letter of request which we did. We still have had no response.
Consumer complaint received 2023-01-09
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. (NC)

on XX/XX/2022 The Credit bureaus stated XXXX XXXX XXXX XXXX XXXX was properly Investigated but how is this possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 section 604 A section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. Also they violated my rights under the care act posting late payments when they gave me consideration by waiving my late fees during the pandemic. 

I haven't given this accout written permission to furnish this account on my credit report as well.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

Experian, XXXX, & XXXX is reporting inaccurate information on my consumer report WITHOUT permissible purpose and is causing damages to my report and my character. Fifteen United States Code 1681 A Rules of construction paragraph 2 titled exclusions states that transactions do not report to the consumer report and late payments are forms of transactions so this means that if a late payment is reported to my consumer report its a direct violation of the Fair Credit Reporting Act resulting up to XXXX $ per violation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I awoke to 4 or 5 emails telling me that I had an application to Bank of America for a credit card and that it was approved and my information was changed. I tried contacting bank of America but keep getting kicked back to an automated message because I don't know the account number.
Consumer complaint received 2021-02-04
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. (GA)

All 3 Bureaus were notified of the Bankruptcy being reported on my credit report. I sent a procedural letter to each, on XX/XX/2020 to ask of how they were acquiring the Bankruptcy information. According to law, all information obtained is to be reported directly to the Bureaus by direct lenders or parties involved, but the Courts do not. Neither could advise me of who or what source reported my Bankruptcy, XXXX XXXX to them directly. On my credit report, it states no known reporting agency and the Federal Courts do no report information directly to the Bureaus. This direct intention to degrade my credit status has led me to inhabitable living arrangements, limited transportation and minimum income to live. The reporting was never verified and there was never a response from XXXX, XXXX or Transunion.
Consumer complaint received 2020-10-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

There are two accounts on my credit report from MIDLAND FUNDING LLC, one account XXXX, and the other account XXXX. These were unauthorized accounts opened. I did not open these account. I have 0 knowledge of them. Its states one was opened XX/XX/XXXX and the other XX/XX/XXXX. I did not open an account in XX/XX/XXXX. I have tried disputing these via credit bureau debt validation. They never respond via mail. They keep reporting on my credit these account are past due and they are not. This is grounds for violation. Not to mention I have lived in Texas since XX/XX/XXXX years. Statue of limitations in Texas is 4 years. Therefore Midland Funding is violating the Fair Debt Collection Practices Act. In XX/XX/XXXX, this company attempted to sue me for a debt in another state. This needs to end. They do not validate their debt, I have never owned them or whom they represent. I would appreciate this accounts with balances of {$950.00} and {$530.00} to be removed permanently from my credit report. This is unlawful and it causes me stress knowing they keep doing this when its unauthorized Accounts. These account are past statue of limitations.
Consumer complaint received 2020-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Credence Resource Management, LLC (TX)

There is credit reports older than 10 years showing as just opened. I have 2 seperate child support delenquit payments showing. I only have XXXX  child case. Some of my name 's showing are wrong. Derogatory marks from a bank
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove any items that are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
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Consumer complaint received 2020-10-05
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. (MD)

I pull up my credit files on XX/XX/2020 to go over them before I apply for a home loan. As I looked over my files there is an account that does not belong to me and should not be on my credit files.The company that is appearing on file files is under the name of XXXX XXXX with account # XXXX. I have reached out to the company in reference to this account and they are not trying to help me. I spoke to a young lady in customer service and she told me to file a complaint with the credit bureaus. I did what she told me to do and the account is still showing on my credit file. I have asked the credit bureaus XXXX, XXXX  and Transunion to provide me with a copy of the contract for this account nd they have not provided it to me and they are still reporting this negative information on my credit file.
Consumer complaint received 2020-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PENTAGON FEDERAL CREDIT UNION (FL)

I disputed a series of charges on my PENFED Credit Union VISA from XXXX XXXX XXXX, XXXX XXXX MN, ( 9 transactions totaling XXXX ). PENFED has refused to diligently investigate or take any steps to resolve my complaint. 

On XXXX I initiated my original dispute, on XXXX they closed it saying the charges were valid ( they did not provide me with a case number for this dispute ). I learned of this on XX/XX/XXXX when I called to inquire and at that time re-opened the dispute ( the case numbers provided in this instance were XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ). 

I uploaded supporting documents on XXXX and called PENFED confirming they received them on XX/XX/XXXX. On XXXX I called to learn the status and was informed that they decided not to change their previous decision. The customer service rep indicated that XXXX in the dispute department thought I should talk to XXXX the analyst assigned for an explanation. They indicated XXXX would call me that afternoon. XXXX did not call. On XXXX I called again with no results. 

Thus far PENFED has refused to diligently investigate my dispute, has failed to provide an explanation of their decision or copies of any evidence they used in making their decision. I very much doubt they interacted with the other party at all. 

I hired XXXX to provide residential remodeling services. He represented himself as a competent professional capable of delivering the work he agreed to. However, he was not competent, or professional, and delivered shoddy, amateurish workmanship that must now be redone. 

The basis of the dispute is that the services and products were not delivered on time or as agreed., that the services and materials provided are defective or not as specified, and XXXX has refused to disclose their billing, they have not provided an invoice describing what I have paid for. 

I have extensively document the problems with XXXX work and have attached the documentation I provided to PENFED.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The credit bureau stated that my accounts were investigated properly but how is that true but how is that correct when the open date is inaccurate, the date last active is inaccurate and the date last reported is inaccurate. I also am not liable for any debt and do not have contracts with collection agencies that are included in my accounts. Accounts include : XXXX XXXX Secured loan with account # XXXX XXXX Lease with account # XXXX XXXXXXXX XXXX loan with account # XXXX XXXX XXXX XXXX with account # XXXX XXXX XXXX  with account # XXXX XXXX XXXXXXXX with account # XXXX XXXX, XXXX with account # XXXX XXXX XXXXXXXX with account # XXXX XXXX XXXX XXXX with account # XXXX XXXX XXXX XXXX XXXX with account # XXXX The grounds for removal from my credit report involves the following rights that were violated : 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 : Of which it states that a person shall not furnish information relating to a consumer to any consumer reporting agency.
Consumer complaint received 2023-01-06
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

While checking my most recent credit report, I noticed credit inquires I did not authorize made by the following companys XXXX XXXX  XXXX XXXX Capital one bank
Consumer complaint received 2020-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (SC)

On XX/XX/2020 I was alerted that my Equifax account was frozen and was asked to submit documentation to prove my identity in order to open my account back up. Listed below are the attempts I have made to rectify this problem by phone call dates, and paperwork submission dates : Phone Call dates : XX/XX/2020 ( 2 calls ) XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 Paperwork submission dates : XX/XX/2020 ( Via facsimile ) XX/XX/2020 ( Via facsimile ) XX/XX/2020 ( USPS ) XX/XX/2020 ( Via facsimile ) With every phone call, the Equifax response was either disregarding my phone call or giving me a statement by an employee the issue would be resolved if I submitted the same paperwork one more time. I have now spent a lot of time and money trying to resolve this matter, and a lot of confidential paperwork has been lost by their department. I have gotten several law offices involved in the discussion of pressing charges, they suggested I start here.