davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I have subscription accounts with both XXXX and XXXX Credit Bureaus ( CB ). Equifax CB keep sending me invitations to purchase a subscription from them, but I reason that 2 subscriptions to 2 credit bureaus are enough. Interestingly, all 3 CBs are leaving the status of the following school loan accounts the same, for example : 1. XXXX XXXX XXXX XXXX XXXX, PA XXXX. XXXX loan {$47000.00}, Date Opened : XX/XX/XXXX : Account number XXXX. 
2. XXXX XXXX Account # : XXXX | Education Loan Date opened : XX/XX/XXXX for {$60000.00} 3. XXXX {$83.00}, XXXX. ( was {$26.00}, XXXX ) Date Opened : XX/XX/XXXX. Education Loan Account # : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX || ( XXXX ) XXXX XXXX. XXXX {$100000.00} ( was {$33.00}, XXXX ) Date Opened : XX/XX/XXXX. XXXX XXXX A/c # : XXXX XXXX. XXXX {$79000.00} ( was {$25000.00} ) Date Opened XX/XX/XXXX. XXXX XXXX A/c # : XXXX XXXX. XXXX {$16000.00} ( was {$5300.00} ) Date Opened XX/XX/XXXX. XXXX XXXX A/c # : XXXX I was granted a full deferral on all of these loans ( see attachments ). I was sued by these companies, all lawsuits were dismissed since I am XXXX XXXX XXXX. One judge even had me forward a copy of the statutory Federal law on deferment to the lawyers who represented these companies ( See attachments ). The problem is simple, all 3 CBs keep reporting these school loans as Charge-offs or closed accounts. Interestingly, XXXX has added the XXXX account to my regular installment accounts and jacked up the total on my installment accounts from {$2200.00} to $ XXXX -- -erroneously reporting that I am making monthly payments to XXXX XXXX XXXX XXXX Equifax shows a similar pattern, that being, failure to show these accounts as being deferred.
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Subject : XXXX XXXX XXXX XXXX Follow-Up Consumer Opt-Out Dispute - Non-Compliance with Written Instructions USPS TRACKING NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX To Opt-Out of Furnishing Data on my Consumer report for the Following Accounts Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to express my deep concern and frustration regarding the lack of response from XXXX XXXXXXXX XXXXXXXX XXXX after sending opt-out letters on both XX/XX/XXXX and XX/XX/XXXX, XX/XX/2023. Since then, the company has failed to meet my written instructions, and my consumer information continues to be disclosed without my consent. 

As a Federally protected consumer, I have opted out of any and all authorizations, whether written or unwritten, verbal or non-verbal, that I may have given to XXXX XXXX XXXX XXXX XXXX This opt-out request aligns with my rights under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 

The ongoing disregard for my explicit opt-out directive is a clear violation of the Fair Credit Reporting Act, specifically 15 U.S.C 1681, 15 U.S. Code 6801, and 15 U.S. Code 6802. These violations compromise not only my privacy but also my ability to control the disclosure of my personal information.

I am now submitting a formal dispute with the following requests : **Immediate Removal of All Furnished Accounts : ** I request that XXXX XXXX XXXX XXXX takes immediate action to remove all furnished accounts listed within this dispute from my consumer report. This request is in accordance with my explicit opt-out directive, which covers both written and unwritten, verbal and non-verbal authorizations, as per 15 U.S. Code 6802. 

**Compensatory Damages : ** In the event that XXXX XXXX XXXX XXXX willfully continues non-compliance with 15 U.S. Code 6802 by failing to honor my opt-out requests, I reserve the right to seek compensatory damages. I request that XXXX XXXX XXXX XXXX pays a minimum of {$1000.00} for every offense of willful non-compliance. 

The requested remedies are necessary to rectify the harm caused by the ongoing disclosure of my personal information without my consent. I appreciate your swift attention to this matter and request confirmation of the receipt of this dispute. 

I trust that the Consumer Financial Protection Bureau will investigate this situation promptly and take appropriate action to ensure XXXX XXXX XXXX XXXX complies with federal regulations. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-28
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. (LA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2024-01-01
Product: Credit reporting 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. (OH)

I checked my credit report and and realized it was some unauthorized inquiries on my credit report in which I would like removed Unauthorized inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

-In XX/XX/XXXX, I was sent a notice to my address in Michigan by XXXX XXXX XXXX XXXX XXXX that my debt ( collected after having to live off my card due to house and joblessness ) had been sold to Portfolio Recovery Associates , LLC for {$2200.00}. As I had already moved to Florida, this letter was not forwarded to me in a timely manner. At this time, it showed up on my credit report as a collection debt. 

-Once I had obtained the supplemental information provided by Portfolio Recovery Associates LLC as proof of veracity of claim after disputing the collection, I was able to see the aforementioned notice, as well as a statement from Portfolio Recovery Associates containing my account number, the ( now corrected after an updated credit report request by them ) Florida address it was sent to, amount owed, contact information, etc. When I contacted Portfolio Recovery Associates, I was told they could not give me any further information because it had been transferred to be litigated. 

-Three years to the day XXXX XX/XX/XXXX XXXX and two states later, apparently a lawsuit was filed against me in an attempt to collect the debt. I was never served a summons. Once I found out about and looked up the case, I saw they had the correct address but an incorrect name, one that was corrected with the credit bureaus two months after said debt was sold to PRA. Thus, the notice of 'summons returned served ' in the court review is incorrect. Once I learned of the suit, I submitted the necessary paper work on my behalf. After that, I didn't hear from them, nor did an updated search return anything. 

-In XXXX of this year, I received a notice from the XXXX XXXX XXXX XXXX XXXX stating that the case was to be closed in a month due to lack of prosecution if no action takes place before then. Just before that dead line, the attorneys for PRA XXXX XXXX XXXX XXXX XXXX filed a motion to transfer the case to XXXX XXXX, citing that this was where they ( in fact did not ) serve the original summons. Once this was granted, they received a letter from the Clerk of Court stating they had 30 days to pay the transfer fees or the case would be dismissed. Two days before that due date, they submitted payment at the last minute. As of yet, I have not seen nor received anything from the XXXX XXXX XXXX XXXX regarding the matter.
Consumer complaint received 2020-03-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OK)

XX/XX/2020 I received a call ( one of the worse ) from portfolio recovery. I was already pretty agitated because they call often and I explained I dont have the means to pay that debt off. She began to ask invasion questions about why I dont have income, if Im getting unemployment and why my spouse couldnt pay the debt or give money to help, she was very aggressive which caused me to equally as aggressive. Finally I just hung up. I received another call the next week asking the same questions BUT not as aggressive however, I explained to her Ive already spoken with someone and she said we will call until the debt is paid. I explained that is harassment to call every week about the same issue she stated they Dont have a way to see who called or when they called until they actually call the person. To me this makes no sense but Im tired of the calls, Im tired of this company making me feel worse for not being able to pay back a debt at this time. Even after I explained my son an myself have bad health issues right now they still kept asking when I would pay. At what point do these collection agency have to take responsibility for their actions? The calls I listed are the most recent but this has been going on for at least a year. If I block their number they will just change it an call from a different number. They wont stop
Consumer complaint received 2020-03-14
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. (FL)

I REVIEWED MY CREDIT REPORT AND NOTICE THERE WERE SEVERAL ACCOUNTS THAT WAS ON THERE THAT DID NOT HAVE KNOWLEDGE ABOUT MY ID WAS USED OVER THE YEARS I DID NOT GIVE ANYONE CONSENT OR PERMISSION TO USE MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMCOL Systems, Inc. (NV)

I applied for credit and was denied due to an unknown collection. I was forwarded a copy of my report and noticed the fraudulent account. I have tried contacting the debt holder and can to no resolution. I am a victim of identity theft!
Consumer complaint received 2020-03-14
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: EQUIFAX, INC. (NV)

Equifax have re-inserted information without validation. The accounts are : XXXX, XXXX XXXX, and XXXX XXXX. These accounts were removed and now they have re-inserted without proper notice nor validation not verification. 

FCRA 611 ( 15 U.S.C. 1681I ) Under the FCRA, an item can not be reinserted into your credit report without written notice by a credit bureau to the consumer within 5 business days of the reinsertion. The letter from the credit bureaus must include : A statement that the disputed information has been reinserted. 

Equifax did not follow the FCRA law regarding reinsertion. I did not receive a letter within 5 business days informing me of the reinsertion. I would like these accounts to be removed immediately! Legal representation is on standby. This problem is a nuisance and I want this problem to be resolved immediately!
Consumer complaint received 2020-03-14
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. (FL)

I have been a Victim Of Identity theft with These Accounts XXXX XXXX  open Dates XXXX XXXX {$4000.00} XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX {$2300.00} XXXX  XXXX XX/XX/XXXX {$3600.00} Please close these Accounts Due to Fraud I Did not authorize accounts to be open
Consumer complaint received 2020-03-14
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC. (KS)

Friday XX/XX/XXXX at XXXX XXXX CT, IQ Data International called me. I answered the phone, a woman asked if I was available but did not ask my last name, only my first. When i said i was available she stated her name inaudibly and immediately went into specific details before confirming she had the right person. She did not provide the balance owed, date, or confirm any information with me. Woman kept insisting her " special team '' had been looking into my account, made it seem like i was under investigation, and told me they had been mailing statements to my address, which she gave out without me asking or confirming and is not correct or current. When i told her the address was all together invalid she did not try to update and asked me why i havent done anything about this if its on my credit report. i advised the woman that i just now saw it on there and had not received any mail or other contact from them so was unaware until recently. I also adv her that I had moved out and the bill was from rent for a person still living there, who had advised me they included this in their bankruptcy and told me i was not responsible, before i could finish the woman was, almost insultingly, explaining how bankruptcy works and how im obviously still responsible. I could not even try to tell her i understood before the woman starts to get combative, assuming, and condescending. When i told her i felt she was being rude she began to talk over me and ask me if i really talk to people that way, going off until i finally hung up. Working in collections myself i felt that this was a compliance issue and unprofessional
Consumer complaint received 2020-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I made a deposit into my Capital One credit card, {$200.00}, on XX/XX/2020 and this started the problem I now have. I believe that because this deposit was {$1.00} over the limit ( which I later found out and tried to correct ) it created a problem at Capital One for me. The previous month, XX/XX/2020, I made a deposit of {$200.00} with NO problems? Why I wanted to find out? As I did try to get information, it seemed I was getting the run-around from Capital One. So I closed the account ( probably not the best thing I should have done at the time ) and wanted a refund of the deposit. This is where it goes downhill for the next 2-3 weeks. I have been on the phone with Capital One for at least a dozen times + ( just on the phone with them an hour ago ) and once again I get the run-around, bad information, not told things I should have been told, lies and anything else you can think of too. All of this over a {$1.00} too much of a deposit??? I realize that there are procedures, wait times, cycles with credit cards, but this not a professional way to help a Capital One customer at all. I could really use these funds NOW, but I may not until the end of XXXX or the beginning of XXXX? Wow! Any help from CFPB will be greatly appreciated at this time please. Thank you for your time.
Consumer complaint received 2020-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (TX)

I found this debt on my credit that I never opened. This company saying I opened an account with XXXX XX/XX/2020. I need to know what legal steps to take this false claim off my credit. I don't know how this happened but this must be taken care of immediately!!!! I disputed this claim through XXXX and they denied it.
Consumer complaint received 2019-12-05
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: Experian Information Solutions Inc. (SC)

Please remove all inquiries shared with others and shared with me only. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX collection XXXX  XXXX XX/XX/XXXX collection XXXX XXXX XX/XX/XXXX charge off XXXX XXXX XXXX XX/XX/XXXX charge off XXXX XXXX XXXX  XXXX XX/XX/XXXX charge off XXXX XXXX   XXXX XX/XX/XXXX charge off XXXX XXXX XXXX XX/XX/XXXX charge off XXXX XXXXXXXX XXXX XX/XX/XXXX charge off XXXX XXXX XX/XX/XXXX charge off
Consumer complaint received 2021-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Equifax and XXXX 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. Please keep in mind that it would be impossible to be late on an account where nothing is owed. This false reporting of lates is seriously harming my credit score and this line item needs to be removed. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2020-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (OH)

On XXXX, I went to Chase Bank to make a withdraw. The branch was located at XXXX XXXX XXXX XXXX, OH XXXX. At approximately XXXX I entered the branch and indicated to the " greeter '' that I was there to make a withdrawal of {$1000.00}. I had planned to talk with a banker but I was directed to an ATM. I utilized the specific ATM the gentleman pointed to and the ATM debited {$1000.00} from my account but only dispersed {$360.00} leaving me without {$640.00}. 
A personal banker assisted me and I was under the impression they would retrieve my cash so that I would be made " whole '' prior to leaving the branch. This did not happen. A " claim '' was opened and I was told my funds would be back in my account within 12 hours. Later during the evening on XXXX, I called the Chase claims line and was told that the correction could take up to 45 days, which is significantly longer than the 12 hours  initially promised to me. 
On XXXX, I checked my online account and the money was still not refunded. I called the claims line at approximately XXXX on XXXX and complained about this process. I was told by the first agent the claim was already " approved '' but the escalation agent indicated that the claim is still in the processing stage. I'm obviously struggling to get clear answers from Chase and this is not acceptable.

Bottom line : Chase has {$640.00} that belongs to me. I'm beyond disgusted that the banks, which the American people bailed out in XXXX, can prey upon consumers this way. This is shameful and needs to be addressed ASAP.
Consumer complaint received 2020-03-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (AL)

Did not receive escrow after refinancing with another company. My Loan is XXXX. My Insurance company XXXX informed me they returned the insurance escrow payment ( {$810.00} ) to NewRez but NewRez never returned the escrow overage to me.
Consumer complaint received 2024-04-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (CA)

On XXXX I found out there was a credit card from Citibank in my name so I made a claim. On or around the XXXX I received a call from the fraud department and was given information that let me know that my wife opened the card in my name. Ive been denied and the cards full responsibility has been placed on me because they say I received benefits from the card. The only thing linking me to the card is one airline ticket in my name in which I did not purchase nor did I have any idea it was purchased with that card. Im being held responsible for a card I never knew existed until I checked my credit report. The fact that everything was mailed to my house is because XXXX XXXX did all of this and she has called in and excepted full responsibility for the account and the company still wants to put it all on me, Ive been working to hard to pay my own cards off for something fraudulent put on me. Citibank honor what you said and put the card in her name and remove all parts of my name from this credit card because I have never used this card nor have I ever physically seen the card. I have never seen the card and I do not have the account number I was only able to change all information on the account because of my social security number
Consumer complaint received 2021-03-19
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. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAS. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2022-03-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC (TN)

I've been a victim of predatory lending by this company. I was under the impression that I was signing up for a loan with a fixed installment payments but much to my XXXX  I have discovered that I'm an endless debt trap. No matter how much I pay my loan balance is not decreasing which is causing me great financial harm and distress. The sold this loan as a line of credit but failed to tell me that would never pay this loan off by making the payments. I feel that this was an act of deception and I want out of this loan