davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-06
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. There are items in my file that are erroneous and suspicious. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : {$3100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX  XXXX XXXX Balance : {$5300.00} XXXX XXXX  XXXX Balance : {$1400.00} XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$910.00} 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 2022-01-04
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX
Consumer complaint received 2019-12-23
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (LA)

XX/XX/2019 Office of the President XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TN. XXXX XXXX : The Home Depot Account Ending in XXXX To Whom May Concern : The reason for filing this complaint with your agency is due to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX refusing to set up a payment arrangement on my Home Depot account ending in XXXX. 



Most importantly ; the customer service representative that I spoke with told me the account needs to go into default before they would consider any workout plan. I firmly believe, this plan is irresponsible for XXXX XXXX XXXX XXXX XXXX to offer that a customer account be reported delinquent instead of working out a payment plan. I am extremely disappointed in the way your company policy continually handles business. Not to mention the fact ; I even offered to pay {$120.00} a month payment plan and they referred me to an outside agency. 




Furthermore, I am requesting to have this complaint investigated thoroughly. I would like to thank you in advance for your prompt response and assistance in this urgent matter. 



Respectfully, XXXX XXXX
Consumer complaint received 2019-09-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: SUN LOAN COMPANY INC. (IL)

So I recently called sunloan XXXX XXXX and they told i ( XXXX XXXX ) that I only had one loan and she said it wasnt possible for this second loans that reporting claimed to been opened on the same day as the first one! Please take this off
Consumer complaint received 2023-01-09
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. (TX)

FCRA Violation : name and address not 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 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 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 2022-01-04
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: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX and Im submitting this complaint myself and there is no third party involved. I filed a dispute in regards to the incorrect item on my credit report, it has been well over 30 DAYS and I havent received any investigation results. BY LAW THIS ACCOUNT HAS TO BE DELETED! 

Acct and Acct # : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Stated in FIFTH THIRD BANK XX/XX/2022, CFPB response letter, " we stand by the response conveyed to you in our previous letter sent to the above address on XX/XX/2022. '' FIFTH THIRD BANK has forwarded ( 2 ) responses in regards of the XX/XX/2022, original complaint. A copy of the private response letter mailed to my home address dated for XX/XX/2022, has been attached to this complaint for the CFPB review. FIFTH THIRD BANK stated in their XX/XX/2022, CFPB response letter : " We appreciate your patience while we conduct our research ''. The initial XXXX XXXX complaint still stands and has not been addressed at all-has FIFTH THIRD BANK conducted their research in reference to my XX/XX/2022, Complaint?? Also, will FIFTH THIRD BANK be reversing the XX/XX/2022, adverse decision that was rendered on XX/XX/2022? FIFTH THIRD BANK has been allowed more than 20+ days in regard to researching this matter, a decision has not been made, a decision needs to be made and communicated to the CFPB.
Consumer complaint received 2023-03-07
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: PENTAGON FEDERAL CREDIT UNION (IN)

I was a victim of fraud and i have the proper documents to proof with government agency while i was incarcerated have letter from the DOJ stating when i was incarcerated and my release this was done some how using my name i have done police report to verify everything and they agree this was done while i was XXXX  have contacted and sent proper documents to Penfed Credit Union they have not responded it has been over 90 days with no response they refuse to investigate and the Credit Bureau keep saying it verifies without proper investigation. Here is the documents that have been sent i have attached them please investigate this properly.
Consumer complaint received 2019-12-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FirstPoint Collection Resources (NC)

I was in a car accident XX/XX/2016 and I have been fighting the other person 's insurance for over 3 years. I finally got everything settled with my lawyer 's help.My lawyer settled with the hospital for {$500.00} and the check was cashed. A binding agreement was also attached stating that I should no longer be contacted for the balance once the check was cashed and also per NC Debt Collections laws state that I can not be billed after 3 years because of statue of limitations. The amount of {$1700.00} has been placed on my credit and I want to get it removed.
Consumer complaint received 2020-02-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TCF NATIONAL BANK (MN)

I have unauthorized transaction on my TCF Bank Account and I filed a dispute with TCF and send them an affidavit statement of the dispute and my dispute was declined. They did not give me temporary credit nor investigate the claim XX/XX/2020 XXXX {$2200.00}
Consumer complaint received 2022-01-04
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. (FL)

My name is XXXX XXXX and Im submitting this complaint myself and there is no third party involved. I filed a dispute in regards to the incorrect item on my credit report, it has been well over 30 DAYS and I havent received any investigation results. BY LAW THIS ACCOUNT HAS TO BE DELETED! 

Acct and Acct # : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-04
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)

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2020-02-12
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

I have recieved 2 calls in 24 hours on my private cell number that I have not given out as it's a work cell. I politely asked them not to call and got another call within a day 's time. They also are asking for someone who has a name close to mine or severely mispronouncing my name.
Consumer complaint received 2022-09-02
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. (MD)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific account in my document coming about because of the 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 account in my credit record that came about due to an alleged fraud. 
XXXX XXXX XXXX XXXX Balanced Owed : {$1000.00}
Consumer complaint received 2022-01-04
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: Maximus Federal Services, Inc. (NY)

I have noticed DEPT OF ED/XXXX  acct # XXXX reporting a debt that I never contracted or agreed to pay. They have reported negative and XXXX  information beginning XX/XX/2012 on my credit report. They have never given sufficient information to me in order validate this debt. I disagree with their actions. I challenge the accuracy and integrity of this information. 12 CFR 1022.41 ( a ) Accuracymeans that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

( d ) Integritymeans that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and ( ii ) Listed in section I ( b ) ( 2 ) ( iii ) of appendix E of this part.
Consumer complaint received 2022-01-04
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: INTERCONTINENTAL CAPITAL GROUP (NY)

INTERCONTINENTAL CAPITAL GROUP doesn't interpret the law. INTERCONTINENTAL CAPITAL GROUP claims the consumer has no right to rescind due to the transaction not involving a principal dwelling but claims the transaction included an investment property which makes the right to rescind not applicable. According to Federal law 15 USC 1637a ( d ) the term principal dwelling includes any second or vacation home of the consumer. Federal law does not define what an " investment property '' is and also under subsection F which goes over transactions that are exempt from the right to rescind an investment property isn't listed as something exempt therefore it is not applicable. The Term Investment Property Can not be Found Anywhere in Contract With Consumer .... According to 12 CFR Part 1026.2 ( 24 ) a Residential mortgage transaction means a transaction in which a mortgage, deed of trust, purchase money security interest arising under an installment sales contract, or equivalent consensual security interest is created or retained in the consumer 's principal dwelling to finance the acquisition or initial construction of that dwelling. INTERCONTINENTAL CAPITAL GROUP claims this transaction did not involve a principal dwelling but says it was a residential mortgage transaction in which a residential mortgage transaction does involve a consumers principal dwelling i believe INTERCONTINENTAL CAPITAL GROUP doesn't understand what they are talking about and doesn't interpret the law correctly i would like this complaint escalated to the highest powers, INTERCONTINENTAL CAPITAL GROUP also claims this transaction is exempt from the provisions under 15 USC 1605. INTERCONTINENTAL CAPITAL GROUP once again fails to interpret the law as it expressly states under 15 1603 the subchapter doesn't apply to Credit transactions, OTHER THAN those in which a security interest is or will be acquired in real property, or in personal property used or expected to be used as the principal dwelling of the consumer and OTHER THAN private education loans ( as that term is defined in section 1650 ( a ) of this title ), in which the total amount financed exceeds {$50000.00}. which means credit transactions OTHER THAN these would not apply but since this transaction involves these criteria the subchapter applies to transaction questioned, therefore, isn't exempt from anything if the property wasn't intended to be consumers principal dwelling why were provisions of the contract state consumers obligation to occupy residence within 60 days as attached in attachments as exhibits PLEASE SEE ATTACHMENTS OF FRAUDULENT CONTRACT
Consumer complaint received 2022-01-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I ( XXXX XXXX ) was involved in a XXXX case along with my boyfriend XXXX XXXX XXXX XXXX and we were both sent to XXXX XXXX by XXXX, she was a representative for the XXXX XXXX XXXX XXXX XXXX XXXX and who we were ex clients of. We were sent to XXXX XXXX for treatment for our injuries. XXXX had stated that we won't have to pay for any bills whether it was a win or loss case. After the case was over, we both were getting bills from XXXX XXXX sent to our mailing addresses. XXXX notified XXXX about the bills and she said not to worry about them, she wanted XXXX to take pictures of the bills and send them to her so that she can handle it. She stated that we should not be paying any bills to any doctors that she referred us to. As time passes by, we checked our credit scores and we been wrongfully sent to collections when we were not at fault nor responsible. My boyfriend had contacted XXXX about the collections but, she has been little to no help whatsoever, she does not respond to his messages. We both filed and submitted a dispute late XXXX with Transunion and XXXX with mixed results. My boyfriend XXXX XXXX XXXX XXXX had his collections removed from his credit score account by Transunion but XXXX has not so he submitted his own complaint. As for me, Transunion has removed the collections from my credit account on XX/XX/XXXX. For unknown reasons, Transunion added the collections back to my account on XX/XX/XXXX. I tried calling them to find out why, no pick up. For XXXX, I filed the exact same dispute and I was not satisfied with my results. I do not understand why Transunion removed the collections and put it back into my account 5 days later. This is not a game, it is a serious problem and I do not appreciate how this is being handled by the credit bureaus. I also do not understand why my boyfriends collections has been removed by Transunion and mine has not when we both filed the same exact dispute, no changes or differences between our disputes. I have supporting evidence to back up my complaint, screenshots my boyfriend XXXX XXXX XXXX XXXX took of his conversations with XXXX. Side note ; XXXX contacted XXXX XXXX XXXX himself, he said that he will be of assistance and send a letter soon stating that we were not at fault and that we shouldn't have gotten sent to collections by XXXX XXXX.
Consumer complaint received 2022-07-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant Mercantile Agency (CA)

This was not mine, when I called they did not even have my date of birth attached to this account. They advised me to come here to fill out this paperwork. Representative that I called today ( XX/XX/2022 ) said that she didn't show this debt was attached to my date of birth and to dispute and send paper work to them.
Consumer complaint received 2022-01-04
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)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2022-01-04
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: Continental Credit Control (CA)

I ( XXXX XXXX XXXX was involved in a XXXX case along with my girlfriend ( XXXX XXXX ) and we were both sent to XXXX XXXX by XXXX, she was a representative for the XXXX XXXX XXXX XXXX XXXX XXXX and who we were ex clients of. We were sent to XXXX XXXX for treatment for our injuries. XXXX had stated that we won't have to pay for any bills whether it was a win or loss case. After the case was over, we both were getting bills from XXXX XXXX sent to our mailing addresses. I notified XXXX about the bills and she said not to worry about them, she wanted me to take pictures of the bills and send them to her because she stated that she will handle it. As time passes by, we checked our credit scores and we been wrongfully sent to collections when we were not at fault nor responsible. I contacted XXXX about the collections, she has been little to no help what so ever. We both filed and submitted a dispute late XXXX with XXXX and XXXX with mixed results. XXXXsunion removed the collections from my XXXX XXXX account on XX/XX/XXXX however, XXXX has not when it is the same dispute. I filed a dispute 3 times with XXXX and yet, results come back the same that it is accurate and that I am liable for the collections. I do not understand why XXXX removed the collections from my credit account within a week but not XXXX. I have screenshots of text messages with XXXX for supporting evidence to back up my complaint. Side note ; on XX/XX/XXXX, I spoke with XXXX XXXX XXXX himself and he said that he will be of assistance and write a letter stating that we are not at fault and shouldn't have been sent to collections. My girlfriend XXXX is also having similar problems but she will submit her own complaint.