davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-09
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: EQUIFAX, INC. (CA)

I do not know where start. I so XXXX right now I have been fighting with all Credit Bureaus about this issues. On my reports there a XXXX XXXX that was open XX/XX/XXXX. I have NEVER and I repeat NEVER had account with them in my life.. Why is this so hard to get remove when it not mine. I have been sending disputes since XX/XX/XXXX and nothing to this day has came off. I understand that people lie abou this but I am not and wouldnt fighting so hard if I was. This is really damaging my report and I want it remove.
Consumer complaint received 2021-12-16
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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I Received a call from XXXX XXXX from XXXX XXXXy stating i need to pay off my bill it was illegal and i would be sued in federal court If i did not pay the bill and possibly throw in Jail, I paid the capital one bill in full even though it was paid prior, I also was told after it was paid in 30days it will be delete off my credit report and it is still there. This company have over 2000 complaints here at the CFPB and I demand something be done about this company and this fraudulent account be removed off my credit report as it his hurting my living. Thank you.
Consumer complaint received 2021-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I do not know where start. I so XXXX right now I have been fighting with all Credit Bureaus about this issues. On my reports there a XXXX XXXX that was open XX/XX/XXXX. I have NEVER and I repeat NEVER had account with them in my life.. Why is this so hard to get remove when it not mine. I have been sending disputes since XX/XX/XXXX and nothing to this day has came off. I understand that people lie abou this but I am not and wouldnt fighting so hard if I was. This is really damaging my report and I want it remove.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2021-08-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TN)

My prior mortgage service, XXXX ( XXXX XXXX ) sent me a notice of transfer of servicing rights to Carrington.

Carrington sent me the following email on XX/XX/2021 stating the following in its entirety : " Please note that your loan has not finished the transfer of servicing process, and we will notify you once the process is successfully completed. During this time, you will not be able to set up your online account and our customer service representatives will not be able to provide information related to your account. 

Rest assured, we are working to make the transition as easy as we can. During the next 60 days, Carrington will not assess a late charge on a loan payment received by your prior Servicer on or before its due date. Your account will not be reported as late to the credit bureaus during this 60 day period. 

Once the transfer of servicing process is complete, we will send you an additional email with instructions on how to create and manage your online account. 

Thank you, Carrington Mortgage Services , LLC '' THE PROBLEM IS : My automatic payment to XXXX XXXX should have come out of my account on XXXX. It appears XXXX  XXXX has stopped taking my payment. Carrington has not informed me of how I am to pay or to whom. Today is XX/XX/2021 and my mortgage payment is due to someone, presumably and I don't know how or who to pay. I have a superior credit score and pay all of my bills timely. I do not want to have any issues just because the mortgage services aren't promptly transferring my account.
Consumer complaint received 2021-08-13
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. (CA)

XXXX XXXX is reporting a collection on my credit reports that is a fraud account. I had my mail stolen a few years ago and filed a police report when this happened, but just recently saw a copy of my credit report which alerted me to this fraud. I have never had any ties to Nevada and certainly never started utilities service anywhere in Nevada. I spoke with both XXXX and XXXX XXXX numerous times but this issue is still not resolved. When I spoke with XXXX XXXXXXXX I learned they had misspelled my name when opening the account, and whoever opened this fraudulent account made one payment using XXXX XXXX XXXX which I have never used.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number XXXX 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 2021-08-13
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)

XXXX XXXX is reporting a collection on my credit reports that is a fraud account. I had my mail stolen a few years ago and filed a police report when this happened, but just recently saw a copy of my credit report which alerted me to this fraud. I have never had any ties to Nevada and certainly never started utilities service anywhere in Nevada. I spoke with both XXXX and XXXX XXXX numerous times but this issue is still not resolved. When I spoke with XXXX  XXXX I learned they had misspelled my name when opening the account, and whoever opened this fraudulent account made one payment using XXXX XXXX XXXX which I have never used.
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Certegy Holdings, LLC (KS)

Certegy operates as an FCRA restricted enterprise that controls access to check cashing services. I attempted to cash my payroll check at my local XXXX. ( I have direct deposit but my hours were not submitted by my supervisor and so the corporation had to cut me a paper check and overnight it to me. I was given a printout with information to follow up with Certegy. Their reason for the denial : " This transaction received a decline recommendation from Certegy because it did not meet the acceptance guidelines which may vary by check cashing location and transaction. Factors may include a combination of : the check number, dollar amount, check cashing history, or other transaction details. Although this recommendation is final, we will evaluate all future checks at the time they are presented. Another option to cash this check is to visit the financial institution listed on it. '' In other words, we're not going to let you cash your check because we said so. There is not immediate access to obtain this cryptic information. I have only had one odd check cashing experience. My doctor 's office resubmitted my office visit account information because I have secondary health insurance. The office sent me 15 separate checks in mostly {$40.00} and some {$20.00} denominations. There were approximately 15 checks. I attempted to use my phone apps to deposit in my XXXX and XXXX card accounts. Both refused the checks I received from my doctor 's office. Ever since, I've had trouble with cashing checks. 
My complaint is the cryptic nature of the denial information available from Certegy. They hide under the guise of FCRA but don't operate with any transparency and have no means of appealing their determination.
Consumer complaint received 2021-08-09
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. (NJ)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BMO Bank, N.A. (WI)

The BMO Harris Bank branches in Wisconsin, under the leadership of XXXX XXXX, have been running a soft pull on credit reports for new checking account customers. they've been doing this since at least XXXX. While this is indeed disclosed to the customer, it is explained as part of the approval screening process for the checking account. However, Retail President XXXX XXXX has directed branch staff to use that report to uncover lending opportunities, for consumer loans and home equity loans. At XXXX XXXX 's direction, they have also shared that credit report with the MLOs. XXXX XXXX has directed branch staff not to share with the customer how they know about the lending opportunities they uncover, not to share with them the details the branch staff uncovers, and not to tell anyone that they share the credit report with non-branch staff ( the mortgage lending department ). I personally witnessed this process as a branch manager at BMO, and it still goes on today. XXXX XXXX has a history of such shady behavior, as he was previously part of all the fraud scandals as a leader at XXXX XXXX.
Consumer complaint received 2021-07-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings (TX)

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that AD Astra Recovery would verify the debt. So I took it upon myself to ask AD Astra Recovery for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DC)

Cfpb complaint inaccurate information I am listing account below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. 
This company is reporting inaccurate high credit amounts, Last reporting dates, Date last Active, and Date of last payment. In pursuant to 15 U.S.C. 1681 Congressional Findings, The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

XXXX XXXX XXXX Acct # XXXX
Consumer complaint received 2021-08-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Last XX/XX/XXXX of this year, I sent a letter regarding inaccurate and unrecognizable accounts being reported on my credit report. It has been more than 60 days, and I haven't received any response from them and the accounts are still on my credit report. I am more than frustrated at this point. The law clearly states that an investigation must be had for these accounts that are being disputed and failure to do so within 30 days or more will result in the removal of those accounts. This is plainly in violation of the law at the expense of me and my peace. I demand that the accounts be deleted immediately or I will file for a lawsuit and seek compensation for damages. In addition, my information was also affected by the XXXX and XXXX data breach and may have gotten to the wrong people.
Consumer complaint received 2021-08-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (OH)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2021-08-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc. (NY)

I received a credit alert on my credit report. I now just check and find this company called AmSher Collection Services , Inc, XXXX XXXX XXXX, XXXX XXXX, XXXX, Al XXXX Tel ( XXXX ) XXXX on my report, had thrown me into collections. I have never heard of them. Never received any correspondence from them what so ever. I look at website and it first ask for last 4 digits of my ss number. Please note I was robbed in 2019 and my info was used and again in 2021my information was stolen.

I reported this last time my info was compromised through a company called Biz2Credit to the office of Inspector General and I have a letter from them acknowledging my complaint.

I am not sure if this company is connected to some random company that called my parents house last week demanding they pay my debt, but my parents are elderly so they just hung up scared.

Please help me. We are in the middle of a resurgence during a pandemic I am broke trying to rebuild last thing I need in my credit score going down lower and this company already did that. I tried calling them and they hung up on me when I refused to give ny social security number. Please I beg of you to help me. 

Please note my new address is XXXX XXXX XXXX # XXXX XXXX XXXX New York XXXX.
Consumer complaint received 2021-01-13
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. (TX)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

Schools First FCU at XXXX.XXXX. XXXX XXXX XXXX XXXX, CA XXXX is reporting multiple account numbers to the credit bureaus on for an account on my behalf thus for making the reporting inaccurate and not the same across the board creating additional reporting I have pointed this finding out to all three bureaus just for them to either poorly investigate or not even investigate at all and continue on stating the information is verified when I requested and challenged the inaccurate reporting
Consumer complaint received 2021-08-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (OH)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2023-06-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation (HI)

During the middle of XXXX and all through till today XXXX I have been trying to get an additional loan or refinance my loan with one main but they keep denying me and I have been making all my payments and they have also been charging me extra Many Many times I paid two or three times for the monthly payment for just One month and I tell them and they deny it when even my bank tells me it went through. And now theyre telling Me I owe the {$1900.00} still but I only owe them {$1400.00} left, it even says that on my credit report. They also havent let me use Any of my Add-ons that were supposedly added to my loan. They tell Me j can not use the insurance that I paid for to help me make a payment because I didnt get paid in time. They laugh while Im talking to them. They tell Me they can help me get refinancing and or an additional loan and to give them my social security number and do the hard pull and tell me sorry we cant then they laugh and tell me to try again next month. This is ridiculous.
Consumer complaint received 2021-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NJ)

My complaint is with Citibank , N.A . for not reimbursing me my credit card reward points as part of a 3rd party seller refund. 

In late XXXX ( this year ), I made a purchase - through XXXX - from a 3rd party seller that's based in XXXX. The purchase was made using my reward points from credit cards accts. ending XXXX and XXXX. To make the purchase I folded all the points into card ending XXXX - and closed XXXX. ( Kindly see below for explanation on why I folded in the points. ) The problem I'm having now with Citi : There was an issue with the product and the seller issued me a refund i/a/o {$620.00} in XX/XX/XXXX. However, when I look at what Citi put back on my points for card ending XXXX, it's only about $ XXXX. A Citi rep tells me this is because very little points were returned to the XXXX card by Citi, for the reason that the points had expired. I'm fine with cut-off dates by which a customer has to use certain points. But when a customer has made a purchase and a seller issues a refund and Citi doesn't want to honor that refund, that's now a catch-22 for a customer since refunds go back to the purchasing card. It can't be right for a seller to send Citi {$620.00} as a refund to a customer for Citi to turn around and only pass on $ XXXX to that customer. 

Why points for card XXXX and card XXXX were combined originally : My original and current card is XXXX. Citi sent me a promo in late XXXX to upgrade to their new Premier Card. When I did this with Citi, something went wrong, then I got all kinds of mixed and conflicting instructions from Citi that ultimately resulted in Citi issuing me two cards ( old and new ), which hurt credit score ( because it was supposed to be an upgrade/ replacement of the one card ). I've attached images to this complaint for your reference. XXXX The reason have images from back then is I thought I would file a complaint about the experience back then - I didn't because I just wasn't physically up to it at the time. ) Due to that frustrating experience and that I wasn't feeling well at the time to be able to stay on Citi about this, I just merged the points into XXXX and cancelled the Premier Card XXXX. The reason I'm relaying this is that, that experience made me lose confidence in when Citi tells me they'll look into something and get back to me. My credit score was hurt, my XXXX shopping ruined ; it was stressful and I was sick at the time so I just let it go. Now Citi is once again telling me they will look into this refund situation -- and I have very little faith that they'll honor my refund.