davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-14
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)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXXXXXX XXXX XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - Please remove it from my credit report XXXXXXXX XXXX XXXXXXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - This is paid as agreed and should not be reporting negatively on my report. As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXXXXXX XXXX XXXXXXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXXXXXX XXXX XXXXXXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXXXXXX XXXX XXXXXXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - please update late payment all payment was made on time Please remove it from my credit report
Consumer complaint received 2023-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

After 10 years with USAA Federal Bank they blocked my account, I got it unblocked then an hour it was blocked again, I got it unblocked again and hour later it was blocked again and they terminated my account and credit card. I had a perfect record with them, I have no money it's all tied up in a 60 day hold including my social security checks. I have received notice of my insurance cancellation on my house car, I have numerous bills to pay and I have no money whatsoever. 

These people causing me financial ruin.
Consumer complaint received 2023-01-20
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. (SC)

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 2022-12-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Back in late XXXX I received an email from XXXX saying that the application for my new bank of America credit card was being processed, as soon as I saw that I called Bank of America and told them that the account created was not mine, and that I wasn't the one that opened it. They proceeded to tell me that they didn't have any account open with the info that I provided them- that being my name, the address they used, and an ( XXXX ) number. When I didn't get any answers from them I called XXXX and they opened an investigation as well as a freeze on my credit report. On XXXX XX/XX/XXXX I received an email from XXXX saying that a new account was posted on my credit report so I called XXXX again and they said that no dispute had been claimed before ; so I opened a new one and made sure it was filed this time alongside the freeze. Today XX/XX/XXXX I received an email saying that they had closed their investigation and that they concluded after talking to Bank of America that the account that was opened is mine and they can not take it off from my credit report or close it. I called again this morning and re-opened my claim, this time I will have this identity theft report to help me since I didn't have it last time.
Consumer complaint received 2023-10-15
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: OPORTUN FINANCIAL CORPORATION (GA)

The Company is Oportun Visa Credit Card Address : XXXX XXXX XXXX XXXX XXXX  TX XXXX /On XX/XX/XXXX at XXXX I spoke with a Oportun Representative, I requested that the account be closed and that since it hasn't been 30 calender day that the annual fee be waived since I will no longer be using the card, I requested that they both, ,email and mail me a Debt/ Payoff letter that details and state the correct status of the account, that it is closed with a zero balance, due to the annual fee being waived, that representative said that, that wouldn't be a problem, she stated that the account is being closed, a request for the annual fee to be waived will be submited, she stated XXXX minutes later that the request for the fee to be waived had been approved, she stated that I would receive a Debt/Payoff Letter that will include information and details that show the account is closed with a zero balance and that the letter will show the annual fee has been waived and I XXXX XXXX XXXX am not responsible for the annual fee, unfortunately on XXXX XXXX, I received a letter that only stated the account is closed and that their is a remaining balance, which their shouldn't be, I was no longer using the card and that the representative promised I wouldn't have to pay the annual fee because I'm no longer using the service, it appears that Oportun Visa Credit Card has already violated FTC Section 809, by refusing to provide me with the correct requested documents or document that states I'm not obligated to pay the annual fee, what companies like Oportun Visa tend to do is deliberately avoid providing information that exempts the consumer from paying fees that are no longer valid after the account has been closed, then they commit that act of inaccurate credit reporting by reporting false information on the consumers credit report, violation of FTC Section 807 ( False and Misleading Representations.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: COLLECTIONS USA, INC. (GA)

I noticed there was an inaccurate account on my consumer report. I am not liable for this or any debt with XXXX XXXX XXXX XXXX  nor have I ever had a contract with Collections USA account number XXXX. They can't provide me with a copy of the application of this debt proving my acknowledgment and commitment to the repayment of this debt like I have asked them for. 
Consumer reporting agencies assume a responsibility to report consumer information to the best of their ability with maximum accuracy. This is the law according to the FCRA. I contacted XXXX and asked them to investigate and remove the inaccurate account from my consumer report. 
That they are illegally reported and I requested specifically their alleged original application bearing MY signature. They have not been able to provide such proof to me. This is a violation of the Fair Credit Reporting Act and this disputed item may not appear on my credit report if it can not be supported by evidence or proof.
Consumer complaint received 2024-04-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (AL)

I have filed XXXX complaints with CFPB. The last one was # XXXX XXXX XXXX I have not been able to respond back with this complaint until now. The complaint was that I returned XXXX XXXX televisions back to XXXX, using the pre paid USPS return labels that was included in the boxes. XXXX printed XXXX XXXX numbers on USPS labels which made it impossible for the items to be return back to them. USPS clerk gave me a print out ran on their intranet showing the tvs were picked up from the XXXX, AL post office and delivered at the XXXX mail processing center, but they could complete the shipping process because of the invalid labels. My complaint is that this was done on purpose by XXXX to not receive the items back. Citi sent a letter reference XXXX stating that XXXX sent them a picture of the package being delivered. Again, that fact has never been denied. I also have proof that the items were received by the XXXX, GA mail processing center XXXX days after I

received them.. I have been paying on this because I do not want to ruin my credit. Is it too late to have this investigated once more? I have contacted their corporate office several times. I do not know what else to do. There are XXXX complaints on file better explaining everything. Do I need to re do all of it? yes, the items were delivered, but I returned them using the pre paid labels XXXX provided. Do I need to scan the print out from USPS again showing they received the items in their mail center. The post clerk will verify the items were received in that office to be sent on to the mail processing center, This is XXXX mistake or con. They printed the invalid labels. The consumers should not have to know each carrier tracking number to know that there was a problem with the labels.
Consumer complaint received 2023-07-26
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. (FL)

I have disputed this collection that have randomly appeared on my credit report from a compy called credit collection service. All XXXX and XXXX do is send me back a standard answer of verified. When they fail to send me the legal documents that they use to verify this account which is unlawfully being reported on my credit report. I have never done business with this credit collection service company nor did I give them permissible purpose to report this inaccurate account on my report.
Consumer complaint received 2017-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Crown Asset Management, LLC, Duluth, GA Branch (GA)

I was informed by   XXXX   XXXX   XXXX   that my alleged account with them was sold to Crown Asset Management even though   XXXX   XXXX   XXXX   claim against was dismissed in court. I have called and left several voice mails with Crown Asset Management to discuss this matter and no one answers the phone or returns my calls. Crown Asset Management does not have a working website to contact them via the internet either. I would like any intended actions against me or my credit by Crown Asset Management to be ceased immediately.
Consumer complaint received 2019-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (IL)

I originally saw {$3600.00} outstanding. I have been in contact with US Bank representative XXXX XXXX, XXXX XXXX and others. Per our conversations, US Bank was to mail {$140.00} this week and the other matters pending since XXXX, 2019 namely CFPB complaint {$710.00} and {$470.00} will be resolved next week. 
To date, Friday, XX/XX/2019 I have received 0 confirmation. 

Below is my email to US Bank on XXXX XXXX, 2019 memorializing our conversations : XXXX XXXX XXXX XX/XX/2019,  XXXX AM ( 3 days ago ) to XXXX, XXXX, me, XXXX, XXXX US Bank XXXX Per our conversation, this is to confirm that my {$140.00} check will be mailed this week and all other matters pending since XXXX, 2019 CFPB complaint {$710.00} and {$470.00} will be resolved next week. 
Again, my mailing address is : XXXX XXXX, XXXX. XXXX XXXX, XXXX, IL XXXX.
Consumer complaint received 2024-04-11
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Radius Global Solutions LLC (PA)

I made an attempt to contact XXXX XXXX XXXX to make payments on an outstanding balance before it reached the collections stage. However, I was informed that there was nothing that could be done to prevent it. Unfortunately, a few months later, a collection service contacted my employer regarding the debt. 

RADIUS GLOBAL SOLUTION Balance owed {$1400.00} Balance updated XX/XX/2024 " I want the following collection to be removed from. '' XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (IL)

I established a personal Citi Bank checking account ( Account # XXXX ) as well as a business account ( XXXX XXXX XXXX # XXXX ). I use the personal account frequently for daily expenses and I also use this account to wire money to my family in the XXXX. My family members are very poor and I send frequent small dollar wires to the XXXX to pay for food, housing and medical bills for immediate and extended family members. 

About 6 months ago I received a letter from Citi inquiring about the wires I was sending from my personal accounts. I called and explained that I send wires to the XXXX to support my family. Citi bank thanked me and the call was short and sweet. I thought there would be no further issue. 

However, in XXXX all of my acconts were closed. Both personal and business. I was able to receive the funds from my personal account but I was unable to access the funds from my business account even though Citi said I had until XX/XX/2023 to withdraw the funds. 

Sadly, I believe I am being discriminated against because I am a dark-skinned immigrant. I went to the branch and they told me they had no information to provide me on why my accounts were closed.
Consumer complaint received 2017-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

While I was living in  XXXX  with my family  serving as    XXXX   someone opened a   XXXX   XXXX   account in my name. I found out from my local credit union years later. I never received any account or statements. I was out of the country. I did an ID theft affidavit, had it signed by a police officer and filed with my local police dept. I also sent all the information to   XXXX   XXXX   XXXX  . They then recently sent me three statements from   XXXX   XXXX   saying it was my account. It lists an address in a city I 've never lived. The address is more information than I 've ever had.  XXXX    XXXX   would n't talk to me about the account because I could n't confirm " details '' about it, yet they report it on my credit report. I ca n't possibly answer questions about an account I do n't have.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (GA)

I am writing to dispute fraudulent activity on my credit report due to identity theft. Upon reviewing my credit report, I have discovered accounts and transactions that I did not authorize or initiate. It is evident that my personal information has been compromised, and I request your immediate assistance in resolving this matter.
Consumer complaint received 2023-07-02
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. (TX)

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : Account Name XXXX XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
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. (CA)

I am writing to formally dispute a collection account that appears on my credit report from XXXX XXXX, XXXX which I do not recognize. I am requesting that you investigate this matter and provide proof of the validity of this debt. If no proof can be provided, I request that this account be removed from my credit report immediately. Details of the disputed account are as follows : Account Name : XXXX XXXX XXXX XXXX {$3000.00} I have no knowledge or record of this debt, and I have never been contacted by XXXX XXXX or any collection agency regarding this alleged debt. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to request validation of any debt that appears on my credit report. I am exercising this right and expect a prompt response. Please provide the following information : A copy of the original signed agreement or contract. A detailed account statement showing all charges, payments, and adjustments. Proof of the assignment or sale of this debt, if applicable. Any other relevant documentation that can validate this debt. If you can not provide the requested documentation, I kindly request that this account be deleted from my credit report. Failure to validate this debt or continued reporting of this unverified debt can be considered a violation of the FCRA, and I will take necessary legal actions if required. I appreciate your prompt attention to this matter. Please respond in writing within 30 days of receiving this letter, confirming the actions taken in response to my dispute. Thank you for your cooperation. Sincerely,
Consumer complaint received 2017-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (AL)

XXXX  has reported that I have a store credit card with them and it just hit my credit reports. I do not have a  XXXX  card. I contacted them over a month ago and told them to close it the day after being approved and they assured me that the account was closed with them. Here it is over a month later and it 's posted to my credit report and there is no account with them.
Consumer complaint received 2023-07-02
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. (AL)

The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : 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 an 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 2023-06-14
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or remove them immediately in my report : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-12
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST UNITED BANK AND TRUST COMPANY (TX)

I have been getting a modification done on my mortgage with this company for over a year. It was finally resolved last month but they reported the account being late when it was not. It just took them forever to get the paperwork complete. Nothing was late and my credit score/report should not have been impacted. They already fixed this issue once, but now it is running into the same issue. I have been dealing with this place and it has been terrible. I will be putting in a complaint with my XXXX XXXX  office as well.