davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-25
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: Social Finance, Inc. (WA)

XXXX got a loan threw sofi lending corporation, to go see my wife in the XXXX. XXXX tried to use my debit card it was declined I called my back was told that sofi took XXXX out of my bank, I then called sofi to ask why no help. I called again they said I also had a credit card account. I told sofi I just have a loan no credit card I ask for my money back they said they have to investigate, I waited 20 days nothing was done no emails answered nothing I called XXXX XXXX Bank and disputed they said we have to close your account do to fraud, I had a XXXX XXXX got out of the hospital and still no help from sofi I also list my job because sofi depleted my account and no funds to get home. I tried to pay my loan payment with them with a credit card they said only debit cards or bank transfer, again the bank closed my account so sofi reported me late, I got home got currant and they still did nothing about that credit card that was opened in my name. I tried to dispute with all three credit burrows I froze my reports. I again tried to resolve this with sofi nothing
Consumer complaint received 2022-05-25
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. (VA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 2019-06-19
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. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX and XXXX XXXX   XXXX
Consumer complaint received 2017-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Address ID XXXX Account number listed XXXX .... is listing account as XXXX $ as of XXXX/XXXX/XXXX date open XXXX Is falsely reporting to my credit as account closed/written off as of XXXX. 
I have sent certified mail to verify this account and was returned on XXXX and again XXXX/XXXX/XXXX which was recieved but no response to verify the account was legitamate and in fact my account. 

XXXX XXXX XXXX. XXXX XXXX XXXX, sc XXXX Address Id XXXX account number listed is XXXX Balance XXXX as of XXXX/XXXX/XXXX Listed as a Debt Buyer This is a debt buyer purchasing a debt that originated as a XXXX debt. date opened XXXX This has been reported as fraudulent activity multiple times to XXXX and instead of sending me proof of the debt they sold it and stated no longer liable. 
Was reported to for both the Debt buyer and original creditor as well as all 3 credit reporting agencies to be Validated and again no responce. I will also report to FTC and BBB As this report is to be removed from all three agencies immediately and in a timely matter. 

XXXX XXXX AAddress ID XXXX account XXXX debt amount XXXX as of XXXX/XXXX/XXXX this debt please remove as the above accounts tried to verify legitamacy with cretified mail and requests to credit agencies and no responces. This account is also going to be reported to FTC and BBB for both agency and credit bureaus for non compliance. 

MY REQUEST ARE FOR THESE ACCOUNTS TO BE REMOVED IMMEDIATELY AND IN A TIMELY MANNER i have numerously requested the credit bureaus to do the same and the disputes come back as complete but no proof is still given. I have opened a case with the BBB and the FTC over the accounts and the Practices of the credit Companys reporting. I want the account in question removed from all three credit reporting agenies immediately.
Consumer complaint received 2023-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION (CA)

BP Mastercard puts up multiple roadblocks to closing an account since even if you stop using it they want to continue to charge fees. After 5-6 hours and dozens of calls a multiple emails I was finally able to close our account on XX/XX/2023. Confirmation no. Issued confirming closure. Now over a year later we are still billed for misc fees. When I attempt to resolve they claim Im not authorized to send EAL with them only my bookkeeper who retired a year ago. I have all the codes and passwords and opened the account with my name and SS 10 years ago but they dont care. Anything to keep the money trail of bogus fees. Im sure Im not the first to complain about this disreputable shameful company.
Consumer complaint received 2022-09-27
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. (GA)

This is my ANOTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$690.00} ; XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX )  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXdischarged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX  bankruptcy discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$4000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$970.00} ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-05-25
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. (VA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 2019-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (MO)

I had a XXXX credit card account that was charged off. I settled the account back in XXXX of 2018 with XXXX XXXX, yet XXXX XXXX XXXX XXXX is refusing to report this account on my credit report as paid or settled in full to the 3 credit bureaus.
Consumer complaint received 2017-12-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Offices of Les Zieve (CA)

LAW OFFICES OF LES ZIEVE contacted me in XXXX of XXXX stating it was a debt collector who was attempting to collect a debt. The documentation ZIEVE sent by mail ( see attachment ) clearly indicates it is a debt collector attempting to collect a debt. 
Require ZIEVE to describe the debt that it was attempting to collect, i.e. : line of credit, conventional loan or other. If ZIEVE was not collecting a debt, explain why it 's document states otherwise and to state for the record that it was not attempting to collect a debt as it 's document leads consumers to believe. 

I have sent a previous complaint to ZIEVE in which it 's agency has given a general statement and has failed to answer if it was or was not a debt collector involving the attachment it sent. 

I am not a party to a lawsuit and request that the complaint is posted for public viewing.
Consumer complaint received 2019-06-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MD)

On XX/XX/XXXX, I filed a complaint with the CFPB ( complaint number XXXX-XXXX ) about my enrollment status being inaccurate. On XX/XX/XXXX, FedLoan replied stating that " none of the loans reflect Spring XXXX enrollment. '' This is what my record at FedLoan servicing should indicate as I have not been enrolled at any institution of higher education since XXXX. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX that stated that my enrollment status had once again changed on XX/XX/XXXX, after FedLoan responded to my CFPB complaint. This new documentation dated XX/XX/XXXX and XX/XX/XXXX appears to indicate that I am enrolled half-time. This would be incorrect information if it is what FedLoan believes and would directly contradict the statement in FedLoan 's reply to CFPB complaint XXXX-XXXX filed on XX/XX/XXXX.
Consumer complaint received 2022-05-25
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. (VA)

XXXX XXXX  XXXX XXXX Acct XXXX XXXX XXXX XXXX  XXXX XXXX Acct # XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX Acct # XXXX XXXX  Ref # XXXX In accordance with the Fair Credit Reporting Act, the above companies has violated my rights. 

15 USC 1681 Section 602 A, states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (WA)

I redeemed Citi XXXX Rewards points for 2 Home Depot gift cards, {$50.00} and {$100.00}, on XX/XX/XXXX. I expected cards to be emailed to me just like the one I ordered a couple of months before this, but instead they were mailed, and mailed to an old address ( I moved from there over 2 years ago, and, of course, I had my address changed with all my financial institutions ). I have contacted Customer service via Chat around XX/XX/XXXX, and the order was cancelled. I have received 2 emails from Citi Tnak You Rewards on XX/XX/XXXX, stating " Your return request has been approved '', for both cards. However, my point balance did not reflect it. 
I went on Customer Service Chat again ( twice ), trying to find out what's going on. Both times I was just lied to with no resolution of the issue. Eventually, I was told I need to call and speak with a Senior Customer Service rep. Interestingly enough, the number listed on Web Site as primary Customer Service number is a spam number!!! After a long series of spam offers you will be told this number has been disconnected! So here 's the number I got after all : XXXX. I did call on Friday, XX/XX/XXXX, and after a very long time on the phone I was reassured my point would be back on my account by Monday, XX/XX/XXXX. 
Today, XX/XX/XXXX, I checked my account and found out that XXXX points are still missing. I called again, and this time I was told that yet another dispute had to be opened today, and I have to wait for another month to hear from them!!! 
I don't believe this is right, and I am asking you to step into this situation and, please, help me to get my points back on my account. 
Thank you very much for your time and care
Consumer complaint received 2024-04-16
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Tower Loan of Mississippi, Inc. (IL)

Excessive phone calls in violation of Fair Debt Collection Practices Act. Ive received XXXX phone calls in the past XXXX  days. Including XXXX instance of XXXX phone calls in XXXX day and XXXX phone calls on another day. Messages left on my voice mail reveal private information about the debt.
Consumer complaint received 2021-12-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (NY)

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company for the amount of {$1400.00}.
Consumer complaint received 2016-03-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (MA)

They keep calling my home phone looking for a XXXX. I have informed them many times that they have the wrong number and they started to call my home more. Now I get calls every other hour for XXXX. The number calling my phone is XXXX nco fnc svc. I work from home and this is a constant distraction to continually receive these types of calls.
Consumer complaint received 2019-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I had already paid this Kohl 's account and they are still reporting it on my credit report but they keep updating it and it is hurting my credit. Even the date of late payment is different across each credit report.
Consumer complaint received 2024-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items from my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Consumer complaint received 2019-07-31
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: United Check Recovery Bureau, Inc. (IL)

XX/XX/2019 First contact from this company was when they reached out to a family member of mine.They disclosed all my information, the amount of the debt, the company it was from, who's names were on the account, everything. They never once tried to reach out to me before this. My family member gave me the number that I called back and was told it was United Check Recovery Bureau , Inc, and that I was speaking to XXXX XXXX. I explained that my family member told me you disclosed all of my information to them and he said " Sorry, she asked.  It sounded like she wanted to help. '' Unprofessional, illegal, and unacceptable! What an absolute violation of my privacy. Then they send me an email form about the debt that states in the email they sent me " We would like to protect your privacy ... '' and it says in the email " ... The Federal Fair Debt Collection Practices Act require that ... collectors may not tell another person, other than your attorney or spouse, about your debt. '' Not only did they violate that, they violated and compromised my privacy and information to a family member who should not have been given this information.
Consumer complaint received 2019-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (SC)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

Bankruptcy XXXX XXXX XXXX
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

I have been trying to get my report fixed for months with all 3 agencies XXXX, Experian, XXXX. I have several credit cards missing from my reports. I have written letters and called, and I keep getting the run around to contact the credit card company. I know the are reporting because its shows on other reports. 

Transunion- is missing XXXX XXXX. XXXX  XXXX and XXXX XXXX. The XXXX XXXX was showing but they recently removed it and my score dropped XXXX points. 

XXXX is missing my student loans, XXXX XXXX, XXXX XXXX. 

Experian is mussing XXXX XXXX, XXXX XXXX XXXX  and XXXX XXXX, and XXXX  XXXX. They recently removed XXXX XXXX and it dropped my score XXXX points. All of these accounts are open with XXXX balances. I only have a balance with XXXX  XXXX.
Consumer complaint received 2019-06-19
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. (TN)

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ).  They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2022-05-23
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. (MI)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-04-15
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)

( 1 ) n accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX XXXX, has violated my rights. 

( 2 ) n accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX # XXXX, has violated my rights ( 3 ) n accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights ( 4 ) n accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX, has violated my rights ( 5 ) n accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX  Account # XXXX XXXX, has violated my rights 15 U.S.C 1681 Section 602 A. States I have a 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