davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A. (NY)

XX/XX/17 Citibank took the overdrafted amount out of my government stimulus payment. Spoke to XXXX a Citibank supervisor at XXXX am. He stated the bank would not honor the statement they made about forgiving negative balances for XXXX days so people can receive the full amount of their stimulus. He placed me on hold and hung up the phone.
Consumer complaint received 2021-03-16
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (CO)

I engaged Better.com to complete a refinance on my home after doing significant research into mortgage companies online. I was sold on their marketing, and was excited for a new, " better '' mortgage experience. I found the online portal to be fast, easy, and user-friendly, but the results to be far from that. 

They offered me a {$100.00} gift card and never even had leadership call me back despite their obtaining an application under false pretenses. 

After 20+ hours of my own work, paying {$550.00} for an appraisal, letting an appraiser into my home during a pandemic, hard credit checks, and getting all the way to underwriting and title review did they realize the issue, that I was never eligible for the loan based on the agreed upon parameters. 

XXXX, a manager at better.com, confirmed on two separate calls that some sort of " foul play '' took place. I have stopped trying to assume what that was or why ... 


History : XXXX received a call back from XXXX ( confirmed better mortgage ), the representative said they could subordinate my HELOC without buying down the HELOC to get to 80 % CLTV. He said I was pre-approved ( despite my asking multiple times about CLTV ). We went around and around for 19 minutes, and he convinced me to apply. 

XXXX XXXX received an email from XXXX XXXX saying I was pre-approved That afternoon, I spoke with XXXX ( who wouldnt speak to loan terms as he wasnt licensed ). 

I also spoke with XXXX again, XXXX where he confirmed we could subordinate the HELOC Since XXXX, Ive had communication with : XXXX XXXX XXXX XXXX ( never called me back ) XXXX ( last name? ) XXXX ( multiple times ) XXXX ( multiple times ) I was never eligible for the loan based on the agreed upon parameters, and I would need to come up with over $ XXXX due to Better.com 's mistake ( even though we had discussed this exact scenario during the initial calls ). 

I have tried to reach out to leadership via multiple means and have even had a better.com employee refuse to forward emails to leadership. For now, my complaint is apparently going nowhere but the Consumer Fraud Protection Bureau as they haven't gotten back to me.
Consumer complaint received 2021-03-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery called about a credit debit that I have no knowledge of or owe the company. 



Account Details Last XXXX of Account Number : XXXX Seller : XXXX XXXX  Merchant : Original Creditor : XXXX XXXX Creditor to Whom Debt is Owed : PORTFOLIO RECOVERY ASSOCIATES, XXXX Balance : {$1400.00}
Consumer complaint received 2021-03-17
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Over a year ago, I find out that I have been a victim of Identity theft. I find out that someone unknown to me used my personal information to get credit cards from CAPITAL ONE, XXXX XXXX and XXXX. Since I was not aware of these accounts. They all got charged off. At that time I have filed an FTC Report and send it to the Credit Bureaus and Original Creditors. All except for Capital One has been removed from my Credit Files. I contacted Capital One and I told them, " I am a victim of identity theft. I told them that I did not open or authorize this account ; I therefore request that this account be closed immediately. I also request that CAPITAL ONE absolve me of all charges on this account, and that they take all appropriate steps to remove this account from my credit file ". I also sent them a copy of my Identity Theft Report supporting my position, also sent a copy of the FTC Notice to Furnishers of Information, which details their responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, they are required to cease furnishing the information resulting from identity theft to any CRA. The Notice also specifies their responsibilities when they receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information they provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that they do not attempt to sell or transfer the fraudulent debts to another party for collection. What did capital one did ignored all my communication. I tried again dispute this account with capital one and credit bureaus and again I got the results that capital one has verified the account belongs to me,
Consumer complaint received 2021-03-17
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery added a derogatory mark on my credit report per XXXX XXXX, upon further research, this not my account and was transferred/ sold I am not responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA [ Collection Agency Name ] has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( 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 bankruptcy. 15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-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 in accurate. I'm requesting that the accounts above be deleted immediately.
Consumer complaint received 2023-03-09
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. (AR)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$320.00} ; XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$680.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$18000.00} Opened XXXX XXXX, XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$61.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$250.00} ; XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance {$700.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$370.00} ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX XXXX {$1200.00} ; XXXX XXXX  Opened XXXX XXXX, XXXX XXXX {$18000.00}
Consumer complaint received 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

i mailed letters on XX/XX/2020 to XXXX transunion and XXXX about some errors and its been over 75 days and i havent heard nothing i even sent another letter not hearing back from them in order to get a response and that letter has been over 30 days since they received it back i sent certified mail and have the delivery receipts to prove that they received my letters this has to be some sort of violation with the FCRA
Consumer complaint received 2022-01-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: MoneyLion Inc. (CA)

On XX/XX/2020 I started receiving a bunch of emails welcoming to my new account at Moneylion that I didn't have or setup an account with. The emails included everything from welcoming me to my account, to your information has been updated and your virtual card has been setup. I immediately searched this Moneylion on the internet to find it's a real company so I reached out to them on the phone number ( XXXX ) found on their website. I was on hold for about 15 minutes when I finally talked to a customer service rep. I talked to her briefly and she did confirm there was an account in my name. I explained to her what was going on and she gave me a number to call which is XXXX for their fraud dept. I called this number multiple times over many days to just get put on hold for hours and then it hangs up on me. I called the 888 number again and talked with the customer service rep and she forwarded me to the fraud dept. Again I was put on hold for hours and hung up on over and over. I called the 888 number again and asked for a supervisor only to be disconnected again. I would like to get this resolved. I did not set this account up and at this point i don't know if they have my bank info or what is going on. This is fraud and I want to close this out and return anything that was taken. I also attached some of the emails I received for your review.
Consumer complaint received 2021-03-17
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 — Problem with personal statement of dispute
Company: ALLY FINANCIAL INC. (CA)

I made a payment on time, but the Ally bank reported that I was late with my payments. And they reported me late for several months. After I called them multiple times they corrected that information and told me they will tell the credit reporting agencies that I was not late on my payments. But a month later they send me a letter again saying I was late 30 days. For some reason they are not able to find the payment I made through XXXX XXXX XXXX XXXX. The payment posted on my bank statement on XX/XX/2019, but I made that payment before that. I am attaching my bank statement showing highlighted 1st payment. Please help me. This is already going on for a year. Its damaging my credit score.
Consumer complaint received 2021-03-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (KS)

I have received two notices within the past 2 months from XXXX XXXX in XXXX  XXXX in the amount of {$270.00}, taken out in my maiden name XXXX ( the first name spelled in the loan paperwork XXXX and my maiden name XXXX. I never took out a loan from this lender and they noted that this loan was initiated on XX/XX/XXXX. Today XX/XX/XXXX I received an email letter from yet another XXXX XXXX lender ( Ace Cash Express ) stating that I owe {$570.00} for a loan that is now in collections under the name of XXXX XXXX again I never took out a loan from this company or in this amount. When I called to discuss with them they told me that they were going to send over a " Forgery Affidavit '' that would need to be signed by me and notarized along with my case number from the police. I asked when the loan was originated and they told me that it was XX/XX/XXXX. I contacted the XXXX XXXX Kansas Police Department to file my case and they told me to use the following number # XXXX for both disputes and to file this scam report with the FTC.Gov as well as the IC3.Gov websites.
Consumer complaint received 2021-03-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Absolute Resolutions Corp. (FL)

This account was added to my report end of last year. I have never received correspondence from the company, a dunning letter, or any validation. I have disputed this account twice with the bureaus requesting that the account be verified as I have never had an account in my name with XXXX which Absolute Resolutions shows as the original creditor ( the only thing I have ever had with XXXX was an authorized user account with my mother - which is active ), so I am genuinely confused as to what this is for. Could it be fraudulent? I have been working hard to repair my credit from hardships that happened back in XXXX when I became very ill and was out of work so this new debt for something I have never heard of was completely terrifying. I have sent two rounds of disputes to the credit bureaus requesting verification, but never received any written responses or any proof of this account. Additionally, I have sent two validation letters to the creditor with no response, which is a violation of my consumer rights. I wanted to try submitting a request to you guys before submitting any complaints with FTC and my Attorney General. I know there is a lot going on with the pandemic right now and I have been very patient in a resolution, but it is completely unfair that the bureaus have been given leniency in addressing requests and then failing to do so while consumers sit with legitimate errors and possible fraudulent accounts on their reports. So that's why I am here, I know you guys are essentially Big Brother over the bureaus and creditors and will look into this and provide at minimum some information which the bureaus and the creditor have now failed to do numerous times. I sincerely appreciate your help in this matter as I am very concerned that it may in fact have been a fraudulent account so I really need help in looking into it - thank you kindly!
Consumer complaint received 2023-02-20
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. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2006 ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XXXX AUTO XXXX Balance : {$0.00}.
Consumer complaint received 2024-02-28
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-20
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. (PA)

XXXX XXXX XXXX Is reporting a debt to my credit report. I have no such debt. I never had an account with this company. I have no records of and signed contract or given this company any of my information. This account is fraudulent any or miss reporting of information
Consumer complaint received 2021-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Hello i am very distressed to inform you about the inaccurate reporting and violation of federal law that i have single handedly been dealing with, I sent in my dispute in 47 day ago ( XXXX ) and have still had no type of response. I feel as if i deserve more respect and common decency that i am obviously not receiving. I have informed each bureau that In these letter I quote 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 that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I would also like to bring to your attention that according 15 U.S. Code 6802 ( a ) A financial institution may not disclose any non public personal information to a non affiliated third party company without my consent. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I would appreciate these accounts being removed in a timely manner, thank you
Consumer complaint received 2022-12-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have been having problems with BOA since XXXX. I finally got a hold of your organization in XXXX. By doing, so finally, BOA fixed my account and it took from XXXX to XXXX to finally get it corrected, see XXXX. 

The BOA has been calling me monthly, weekly and now daily requesting me to pay them XXXX to bring my account to current. I was paying an additional XXXX every month towards my Equity loan and again the bank continuously messed up the payments and I wind up calling the bank, seems like monthly for them to fix the account. In XX/XX/XXXX, they took the XXXX I submitted and only put the incorrect low payment on my loan and are requesting for me to pay the additional amount to bring to to current but they refuse to fix the error on their end to make me whole. I stopped paying the additional XXXX a few months back to see if the problem was me sending additional funds every month to the equity loan that was causing the problem. I am XXXX XXXX XXXX have XXXX and they have continually upset me, calling requesting additional funds and that they would fix the account. Today, the manager wasn't listening and just wanted the additional funds instead of fixing my account and bringing the a account current. 
Please help me with this mess, I can't take the stress that this situation is causing me. 
XXXX XXXX