davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-03
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. (DC)

Nine out of ten times issues need less governmental regulations. This is that one time more governmental regulations are needed. I am not sure if this is in your purview or needs an act of congress. But there needs to be more oversight and regulations concerning the three credit reporting agencies. Credit reporting agencies need to work for consumers and not for the CEO, their shareholders, or anyone else, but consumers. Consider these factors that need attention.

ISSUE : Items appearing on your credit report.

The current regulations state that credit inquiries remain on your credit report for 2 years while bankruptcies remain on your credit report for 7 to 10 years depending on the type of bankruptcy. These old regulars need to adapt to today 's reality. First, inquiries should be on ones credit report no more than 1 year and automatically drop off without a consumer having to request that they be removed. Bankruptcies while a relief can also be a hindrance. They should only remain on ones credit report for no more than XXXX to 5 years. If they are to be relieved they should not follow the consumer for almost a decade. Consider how companies can escape so much, but consumers cant. Case in point, student loans. 

ISSUE : Score inconsistencies between all three credit reporting agencies. 

Regulations are needed to ensure that credit scores are similar across all three credit reporting agencies when there are no differences. For example, my XXXX score is XXXX points higher than my XXXX score. Yes, XXXX points. Depending on which agency a company utilizes means the difference between getting a mortgage or employment. It is daunting to have to keep up with XXXX credit agencies where inconsistencies occur between all three. 

ISSUE : Credit Reporting Agency Compliance. 

The process in which a consumer can complain about a credit agency needs to be simplified where there are real consequences when a credit agency does not comply. Agencies take their time to make corrections and when you factor that the damage has already been done, what can consumers do? Credit reporting agencies have to work for consumers. There can be nothing less. 

This is the age of the consumer and we need to start making credit reporting agencies work for consumers. Thank you for your time. I look forward to your thoughts and response.
Consumer complaint received 2020-04-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (MO)

Your full name : XXXX XXXX Current address : XXXX XXXX XXXX XXXX XXXX . XXXX, XXXX  XXXX, Mo XXXX SSN:XXXX Date of birth:XX/XX/XXXX Date:XX/XX/XXXX New information request : Dear Creditor, Im not sure why your company is still reporting this inaccurate account to the credit bureaus, but I have a new information request based on the account. 
Creditor : Account : Please show me proof that your reporting is 100 % accurate. I would like to know that my rights are not being violated. Because the reporting of this item is not following the reporting procedures stipulated by the Fair Credit Reporting Act, I request an immediate deletion. 
Please pay attention :
Consumer complaint received 2020-04-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NE)

I was a victim of a puppy scam using a service I had never heard of called Zelle. The puppy owner seemed legitimate in the moment and when they said to use Zelle I was happy to see it as an option in my online banking application for XXXX XXXX. They sent me an email and owner name and I authorized the transaction through my own bank application. Never in a million years would I have thought that I could get scammed while directly logged into my own bank account. If I had ever heard this Zelle was like XXXX I wouldnt have brought my walls down. 

I suspect my bank ( XXXX XXXX  ) and Zelle will not offer to stop or refund my transaction. I waited on a phone call to Zelle and they transferred me and then hung up on me after 45 minutes. My bank is not available today but I sent them a message. The fraudulent company is no longer returning correspondence. Ive included their contact info below. The main thing I want is for this to not happen to anyone else in the future. Please stop this fraudulent company. They used a real XXXX XXXX, FL address that has been the victim of other puppy scams in the past. 

This article is exactly what happened to me. There are others who are becoming victims. Please help to stop banks legitimizing Zelle. They arent doing anything to warn customers of potential for fraud. There must still be millions of customers just like me out there who havent heard of Zelle but find it on their bank app and way to easy to transfer money. 
https : XXXX I have also filed a fraud report with XXXX. 

Fraudulent Actor Zelle Acct : XXXX XXXX XXXX Fraudulent Business Info : XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX : XXXX Online Purchase Lost {$750.00} Article that mentions puppy scam activity using this same address is below. We came across this article after our transaction when we began to suspect fraud. 
https : XXXX XXXX I have attached screen shots of the website in case they take it down. I also included screen shot of my banks status of the transaction and how they should be able to stop it but likely will not based on what I am seeing online from other victims.
Consumer complaint received 2020-04-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (FL)

A purchase was made on a Macy 's credit card approximately four years ago. The purchase was in the amount of about {$40.00}. The charge was paid by personal check through the mail, and did not get posted to the account until several days after the due date. This resulted in a late fee which was more than 50 % of the original purchase. Negotiation attempts were made to settle the fee with no success. The credit company continued to bill the late fee while adding additional fees and interest on top of the fee ( not the original purchase amount ), which ultimately reached an amount of {$310.00} as the balance stands today. The amount trying to be collected is now with a credit agency, XXXX XXXX XXXX XXXX. They are requesting a settlement amount of {$140.00}, but again, the original purchase was paid in full which was just {$40.00}.
Consumer complaint received 2020-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: ID Analytics, Inc. (GA)

Have attempted to order credit report several times ... all other agencies provide info online without so much hassle ... why is it necessary to download identification to this group??? 
Also, my credit score is near perfect with the three major credit reporting agencies, but with SageStream, about mid level?????? Have NEVER paid late, lots of credit, no reason whatsoever for this score ... they only want to communicate via USPS mail and refuse to mail all personal information! Too risky! Please investigate! Seems pretty shady they are allowed to give these low scores ...
Consumer complaint received 2020-04-05
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. (OH)

I am submitting my credit report with the disputes under the fair credit reporting act. 

Experian Records management system is automated and it has not fixed the errors with my credit report. The problems that i am experiencing has caused me great harm and needs to be addressed immediately. The accounts all show closed in status but it is harming my credit score due to negligence. The negligence is not entirely experian fault but its subscribers that report to this reporting service. 

The eleven accounts subscribers customer service representatives did not include the notes in the accounts before an mutual agreement was made before it was submitted to the account managers. The account managers only verified the notes between me and the representative and closed the accounts under my request due to XXXX XXXX caused by XXXX XXXX and home care with hospitalizations. 

I have even offered to let the companies representatives the right to speak to the hospitals and XXXX by which they have said it was not necessary before i spoke to the account manager before the closure of the accounts. 

I have found Eleven errors in my credit report and under the fair credit reporting act i am demanding my rights under the following sections Sections 603 ( i ), 604 ( c ), 604 ( e ), 615 ( d ) old addresses removal page 3/31 Sections 611 ( a ), 1681 ( i ) Modifications to payment legend to show payments XXXX, XXXX-XXXX,XXXX   Sections 1681 ( c ) Removal time barred debt removal fair debt collections practices act XX/XX/31. 
I understand 35 percent of my score is payment but it is not shown or reflected on the accounts by which i am submitting my credit report with the pages to show how it should look with corrections in ink. 

Please delete the account if by 30 or 30 according to the month if the information is un-verifiable the subscribers services of these companies have given me the run around so much that i had to come here for closure.
Consumer complaint received 2022-04-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Personal information incorrect
Company: Marlette Funding, LLC (NY)

Someone fraudulently used my SS # and name to get loans. They also changed the address and phone number on my credit report and set up a XXXX  service account using my information. 
This occurred on or around XX/XX/2022. 
Three loans were taken out : Best Egg in XXXX, Pa {$10000.00} XXXX XXXX in XXXX, MD {$3100.00} XXXX XXXX in XXXX, SC {$6200.00} The companies have been notified and fraud reports started. 
I filed a police report to be included with these reports.
Consumer complaint received 2022-06-03
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. (DC)

Nine out of ten times issues need less governmental regulations. This is that one time more governmental regulations are needed. I am not sure if this is in your purview or needs an act of congress. But there needs to be more oversight and regulations concerning the three credit reporting agencies. Credit reporting agencies need to work for consumers and not for the CEO, their shareholders, or anyone else, but consumers. Consider these factors that need attention.

ISSUE : Items appearing on your credit report.

The current regulations state that credit inquiries remain on your credit report for 2 years while bankruptcies remain on your credit report for 7 to 10 years depending on the type of bankruptcy. These old regulars need to adapt to today 's reality. First, inquiries should be on ones credit report no more than 1 year and automatically drop off without a consumer having to request that they be removed. Bankruptcies while a relief can also be a hindrance. They should only remain on ones credit report for no more than 3 to 5 years. If they are to be relieved they should not follow the consumer for almost a decade. Consider how companies can escape so much, but consumers cant. Case in point, student loans.

ISSUE : Score inconsistencies between all three credit reporting agencies. 

Regulations are needed to ensure that credit scores are similar across all three credit reporting agencies when there are no differences. For example, my TransUnion score is XXXX points higher than my XXXX score. Yes, XXXX points. Depending on which agency a company utilizes means the difference between getting a mortgage or employment. It is daunting to have to keep up with three credit agencies where inconsistencies occur between all three. 

ISSUE : Credit Reporting Agency Compliance. 

The process in which a consumer can complain about a credit agency needs to be simplified where there are real consequences when a credit agency does not comply. Agencies take their time to make corrections and when you factor that the damage has already been done, what can consumers do? Credit reporting agencies have to work for consumers. There can be nothing less. 

This is the age of the consumer and we need to start making credit reporting agencies work for consumers. Thank you for your time. I look forward to your thoughts and response.
Consumer complaint received 2020-04-05
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (FL)

Ability services LLC is working with XXXX University creating falsified accounts and demanding payment. They're dragging their feet and try to stall consumer financial protection Bureau. I have documented proof that they are doing this it will be formed to the PDF of all below. Please read so you have a brighter picture
Consumer complaint received 2022-06-03
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. (CA)

XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX, # XXXX, # XXXX, # XXXX 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 2023-05-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC (IL)

Ive made a {$3000.00} down payment with XXXX XXXX XXXX with westlake financial services. I was sold a lemon. I got the truck checked out because the motor was knocking. Comes to find out the motor was bad plus more I returned the vehicle to the dealer and theyre refusing to give me my money back westlake say the only thing they could do is remove it off my credit report ( as they said ) I want my money I put down on that vehicle and removed off my credit report. They are bad for business and have so many bad reviews, I wish I wouldve been done my research before even purchasing the vehicle.
Consumer complaint received 2022-06-03
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. (CA)

XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX, # XXXX, # XXXX, # XXXX 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 2020-04-05
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Northern Trust Company, The (FL)

On XX/XX/XXXX this letter was sent by E-Mail to a Vice President of Northern Trust XXXX with whom there has been abundant E-Mail communications. 

There has been no response. 

Response to this request would be time critical, as Northern Trust would be in the process of preparing paperwork to be signed to close this estate. 

Upon my receipt of the paperwork to close the estate, there would be by law thirty days to agree or disagree to closure. 

I can not agree to closure until the requested documents mentioned in my XX/XX/XXXX E-mail have been provided for my review. 

For reference there have been three, now four, CFPB complaints regarding request for documentation of charges to the estate. The latest was XXXX-XXXX. 

Letter : XX/XX/XXXX Due to water damage in XXXX to my dwelling I still do not have access to all the documents pertaining to my fathers estate which are still packed away in boxes. 

Today there was review of the monthly account statements for the past several months. 

There are two documents which must be received and reviewed before I will sign the pending estate closure agreement.

1. On the XX/XX/XXXX monthly account statement there would be a charge to the estate of {$6200.00} to XXXX XXXX XXXX, XXXX. 
Please forward all correspondence and documentation regarding this charge. 

2. On the XX/XX/XXXX monthly account statement there would be payment to the estate lawyer, which would be contradictory to a statement in a letter from a Senior Vice President that Norther Trust would have no further involvement with this estate lawyer.

This brings into question the statement from this Senior Vice President by letter that if I agree to close the estate uncontested, the estate would not be charged?
Consumer complaint received 2020-04-05
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: Experian Information Solutions Inc. (NJ)

I involuntarily game my XXXX XXXX back, XXXX XXXX XXXX XXXX XXXX STILL HAS THIS ON MY CREDIT REPORT. I WAS DENIED SEVERAL MORTGAGES HOUSES BY XXXX XXXX. I HAVE BEEN HOMELESS SEVERAL TIMES IN XXXX, NJ. THE XXXX BRANCH MANAGER XXXX AT XXXX XXXX XXXX XXXX XXXX, NJ XXXX. Notified the headquarters at XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX. Its been 0ver 10 years and I went 5 times to speak to the XXXX LOAN officer who even wrote me a letter. 



Why is this debt, I PAID IN FULL STILL ON ALL 3 credit BUREAUS? 

MY ACCOUNT NUMBER : XXXX. My CREDIT STOPPED ME FROM GETTING A HOUSE A ROOF OVER MY XXXX & I head. Im a single mother.
Consumer complaint received 2020-04-05
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: EQUIFAX, INC. (NJ)

I involuntarily game my XXXX XXXX back, XXXX XXXX XXXX XXXX XXXX STILL HAS THIS ON MY CREDIT REPORT. I WAS DENIED SEVERAL MORTGAGES HOUSES BY XXXX XXXX. I HAVE BEEN HOMELESS SEVERAL TIMES IN XXXX, NJ. THE XXXX BRANCH MANAGER XXXX AT XXXX XXXX XXXX XXXX XXXX, NJ XXXX. Notified the headquarters at XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX. Its been 0ver 10 years and I went 5 times to speak to the XXXX LOAN officer who even wrote me a letter. 



Why is this debt, I PAID IN FULL STILL ON ALL 3 credit BUREAUS? 

MY ACCOUNT NUMBER : XXXX. My CREDIT STOPPED ME FROM GETTING A HOUSE A ROOF OVER MY SON & I head. Im a single mother.
Consumer complaint received 2020-04-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PENTAGON FEDERAL CREDIT UNION (CA)

XX/XX/2020 - Called by phone and talked to XXXX. I said I have a divorce decree and court order for the division of assets. How can I get 50 % of the assets? Can I just send the divorce decree? How can I process this and get the money? She said, you will need to send the divorce decree to XXXX. So, I sent a digital copy of the divorce orders to the email she specified. And, I mentioned the account details and that the divorce orders were a default judgment and that we have not been able to contact him. And, on the same day, I received email confirmation of receipt of the email. On the same day, I also emailed the same email address asking to freeze the account to stop the withdrawal of money from the account. 

XX/XX/2020 - Asked for updates on the same. 

XX/XX/2020 - Again I sent email explaining the same situation from XX/XX/2020. I received email confirmation of the receipt of email. 

XX/XX/2020 - They said they are unable to process the request and that the account holder must make the request himself. They said I could take legal action against him even though this was a default judgment already. 

XX/XX/2020 - I sent a physical copy of the judgment to the Nebraska Penfed  address by USPS 2 day express mail. 

XX/XX/2020 - They said a member service representative must speak with you regarding the account. So, I called them and they said they will send a document by email with instructions for withdrawal. They told me that I need to fill the form from the email and send it back. So, I printed it out and then I was stuck because they sent me a form which was unclear and from my interpretation required his signature. 

XX/XX/2020 - I called Penfed and they said the account holder must sign the form and that I will not be able to sign the form. I told her that it was a default judgment. She restated that only he could sign and that I needed to get legal advice. 

XX/XX/2020 - I talked to Penfed  again and explained the same situation and they repeated the same advice and did not help me. 

So, Penfed has not acted on the court judgment orders as they were stated in the legal document.
Consumer complaint received 2020-04-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Regional Management Corporation (SC)

On XX/XX/2020, I noticed there was a loan on my credit report that I did not apply for. I found out a relative had cashed a unsolicited check that came in the mail from Regional Finance Company. I contacted the branch to find out how much the loan was for, when was it opened and how, when I never applied, signed, etc. They told me the problem was with the bank who cashed the check. I have no idea who that bank would be, since it wasn't my bank. After hanging up with the branch of Regional Finance to reach out to the supervisor, I get an alert that they ran a hard inquiry on my credit. I was not calling them for anything to do with my credit, as I was calling to inquire only on a loan that was already in my name.
Consumer complaint received 2022-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After carefully reviewing my credit I report I see a number of inaccuracy on my credit report. First I would like to state that I never gave TransUnion written consent to furnish anything on my report. No consent is identity theft and infringement upon my privacy. This damage my reputation with lending institutions and house associations. You didnt do your due diligence with protecting the consumer you vowed in good faith to do so. Theres big violations that I want to point out 1. According to the IRS ( Internal Revenue Services ) income cant be reported as debt. 
2. According to the FDCA a debt collect may not attempt to collect alleged debt in a state/county/ or city in which debt collect is not authorized to conduct business. ( See Exhibit 1 ). This debt collector arent authorized to conduct business in Arkansas or Texas. 
-XXXX  XXXX XXXX acct # XXXX