davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-18
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 (PA)

I am a US citizen who moved the UK to attend university in XXXX and have lived full time in the UK from XXXX to XXXX. 

It is XXXX now and am returning to the USA and have been offered a position in the finance sector. The employer has processed a background check for me including pulling my credit report of which i have had no need to check as I have not needed to use my credit. 

It has been discovered that I have two fraudulent credit card accounts opened in my name from XXXX, 2 years after I had already begun to live in the UK. One of the cards had been used up until XXXX and the other up until XXXX before being charged off and transferred to a company called Portfolio Recovery XXXX. 

Acct XXXX Balance {$2200.00} Open date XX/XX/XXXX Charge off date XX/XX/XXXX XXXX XXXX Acct XXXX Balance {$3500.00} Open Date XX/XX/XXXX Charge off date XX/XX/XXXX I can attest that these are not my accounts and that I had no knowledge of opening them or using them to my benefit. These are fraudulent credit card accounts and would like them to be removed from my credit report immediately
Consumer complaint received 2021-03-18
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: EQUIFAX, INC. (TN)

On XX/XX//2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns. 
Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (NY)

XXXX Dear Sirs and Madams : Hope this finds you well. I am completely distressed because my mortgage service provider, Specialized Loan Servicing LLC ( SLS ), refused to honor on the credit reporting the fact that I was unable to pay my mortgage during the heightened months of the Covid-19 pandemic. I was greatly affected by the pandemic during the months of XXXX, XXXX, XXXX and XX/XX/2020 and didn't even have the wherewithal to find out about the easy steps of putting a forbearance into place, and was certainly not in a position to engage in the forbearance process. However, unfortunately, I have since found out, that even for individuals who tried to put a forbearance in place, SLS still often did not honor these forbearances on the credit reporting. After the above aforementioned covid months, I completely caught up on my mortgage payments, including anything owed during those months ; my mortgage is currently perfectly up to date in payment, yet, my credit is ruined by SLS because of their reporting late remarks for the covid months of XXXX, XXXX, XXXX and XXXX of 2020. I have begged SLS to remove the credit report late remarks of those four months. Can you help me?
Consumer complaint received 2021-03-18
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. (AL)

In XXXX and XXXX, I filed a dispute with this credit bureau about the unverified account XXXX XXXX -- Account number XXXX. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. Thank you
Consumer complaint received 2020-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I was made aware of an account from XXXX XXXX XXXX today XX/XX/20 when I was denied form getting a loan at XXXX. I had no idea this account was on my credit report reflecting badly because I did not open it. This account does not belong to me and I have reason to believe that it was opened without my permission. I never opened an account with that company and I have never authorized them to run/access my credit. I did not benefit anything from this account such as money, goods, services or any other benefit. I filed a police report regarding this unauthorized account.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

The following fraudulent inquiries were made due to identity theft and I have requested them to be removed from my credit report. Equifax has not removed these inquiries from my credit report. 

XXXX XXXX  All Banks XX/XX/2023 Equifax XXXX XXXX All Banks XX/XX/2023 Equifax These are not my accounts and I did not initiate these transactions
Consumer complaint received 2020-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: First Associates Loan Servicing LLC (UT)

Peaks # XXXX is reporting a charged off account to my report that I have never heard of. I did not even know this account existed until I had my credit pulled and saw it on there. I've never received any form of notice or information about this account. I went to XXXX and they erroneously opened the loan, it is not mine. I have never had a loan through them nor did I sign anything. I am part of the class action law suit that was taken against them. This account is not mine and I need it removed off my credit.
Consumer complaint received 2022-12-31
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. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-12-31
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-03-18
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: HYUNDAI CAPITAL AMERICA (NJ)

XXXX Dear XXXX and XXXX : Hope this letter finds you well. I leased a XXXX XXXX XXXX from an independent dealer in XXXX, XXXX. All payments for the life of the lease were made on time and in full. Still, due to the fact that the dealer took on responsibility for the post-lease fees, and due to the covid pandemic, the dealer was unable to complete the payments on time, Hyundai has ruined my credit with negative charge-off status remarks and late remarks. Hyundai credit dispute department has no telephone, email or physical location. The only way to dispute Hyundai 's remarks on one 's credit profile is via a XXXX XXXX XXXX. The dealer who leased to me the XXXX XXXX XXXX which matured in XX/XX/XXXX ( and was returned on time ), wrote a letter to the Hyundai credit dispute XXXX XXXX explaining that he had told me that he would take care of any post-lease fees, including wear and tear fees. Attached is the letter that the dealer mailed to Hyundai explaining that due to covid affecting his business, the post-lease fees were not paid on time by him and therefore when I found out what had occurred, I paid the full amount of the fees myself. It is standard for auto companies, including Hyundai, to remove a customer 's charge-off and late remarks to the three major bureaus when the dealer has accepted responsibility. And yet, Hyundai credit dispute department wrote to me that they won't clear my credit despite the dealer 's letter explaining his responsibility for the lateness. Throughout my conversations with Hyundai, I had been assured that if my dealer was responsible for the lateness of the post-lease fees, if the dealer simply wrote a letter, then it was Hyundai 's policy not to punish the credit of the customer. Prior to any post-lease fees, I paid on time and in full every single month throughout the life of the lease from beginning to end. And now, Hyundai ruined my stellar credit anyway, despite receiving the attached letter from the dealer. Hyundai even has the audacity to report XX/XX/XXXX as a charge-off status and as late ( depending on the bureau ) even though all post-lease fees had already been received by Hyundai on XX/XX/XXXX XXXX receipt attached ). Can you please help me?
Consumer complaint received 2021-03-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NC)

On XX/XX/XXXX I deposited {$3900.00} into my Coinbase account via a bank transfer. After the 10 day holding period I was informed I could now trade. When I tried to make my first taste I received an email that suspicious activity was detected on my account. I answered immediately tell them to cancel all transactions and disable my account. No confirmation was received. My account has been temporarily disabled since then. Despite several emails to support only response has been that an account XXXX was reviewing and I would hear from them in 4 to 5 business days. Its been nearly 3 months and no response. I have no idea if my money is still in my account.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Subject : Request for Correction of Credit Report Information Removal of " Dead Name '' Dear Consumer Financial Protection Bureau, I am writing to bring to your attention an issue regarding my credit report that requires your assistance. I recently became aware that my credit report contains outdated and inaccurate information associated with my former legal name, commonly referred to as my " dead name. '' I have legally changed my name, and the court has officially recognized me as [ XXXX XXXX XXXX ]. The issue arises from the fact that my " dead name '' continues to be linked to my credit report, causing potential complications and concerns for my financial well-being.

Furthermore, my personal information has been compromised due to the XXXX security breach, which exposed my details to the dark web and hackers. I am deeply concerned about the potential misuse of my outdated information, and I believe it is crucial to rectify this situation promptly. 

I kindly request the following actions : Removal of Dead Name : I request that you promptly remove any references to my former legal name from my credit report. Please update the information to reflect only my current legal name. 

Verification of Identity : To ensure the accuracy of this correction, I am willing to provide any necessary documentation to verify my identity and the legal name change.

Investigation of Security Breach Impact : I would appreciate it if the Consumer Financial Protection Bureau could investigate the impact of the XXXX security breach on my personal information and take appropriate measures to safeguard my financial data.

I have attached a copy of the court order confirming my legal name change for your reference. Additionally, I authorize the Consumer Financial Protection Bureau to access any relevant information needed to address this matter.

I understand the importance of accurate credit reporting, and I appreciate your prompt attention to this issue. Please inform me of the steps being taken to rectify this situation and provide updates on the progress of the investigation.

Thank you for your time and assistance in resolving this matter. I look forward to a prompt resolution of this issue.
Consumer complaint received 2024-03-21
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. (FL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2021-03-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DISCOVER BANK (AZ)

Discover Home Loans took our application XX/XX/XXXX, said it would take 6-8 weeks, they strung us along, harassing us with multiple requests for the same info. After two months and getting to underwriting we were declined credit because of " XXXX XXXX Type '', XX/XX/2012. Whatever that means. Having reached out for an explanation and how we could fix whatever problem it is we have not heard back from anyone. They have not removed themselves from my home XXXX and on one call to them to try and understand the problem they said that the loan number printed on our decision letter was not a loan number of theirs and they could not help us. Very poor customer service and no ability to understand our denial nor get our wasted time or credit scores back.
Consumer complaint received 2022-03-23
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: CAPITAL ONE FINANCIAL CORPORATION (SC)

XX/XX/2022 I sent a notice of fault and opportunity to cure letter to Capital One informing them that they are invading my right to privacy by reporting transaction and experiences on to my credit report in which I never gave written consent for the account to be furnished on my reports. I have yet to hear back from them and is really trying to reconcile this. They are violating 15 USC 1681a ( XXXX ) ( XXXX ) ( XXXX  ) a consumer report information solely as to transaction as to transaction or experiences between the consumer and the person making the report ;. I need to know that this being taking care of.
Consumer complaint received 2022-12-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC (CO)

Initiated XXXX fitness accounts with XXXX XXXX. On XX/XX/XXXX XXXX XXXX XXXX XXXX employee # XXXX, assisted with accounts, to set up XXXX debit, was given my banking information in the fitness facility. After months of problems with accounts, several emails and time spent taking with managers and employees at the fitness center attempting to correct accounts, the fitness center could not rectify the issues. I called in XXXX of XXXX to cancel the accounts, I was told I needed to do it through the app, which on XXXX account as stated the app wouldn't ever work. I called XXXX XXXX instead, was connected with an employee whom stated she could help me cancel the memberships. upon review I was told, they sent XXXX account to collections and the second membership could not be cancelled until XXXX unless I pay an additional {$25.00} fee, so I called back in XXXX, an associate then cancelled the fitness membership, she stated I would not receive any confirmation that it was cancelled, she had me search the membership number, it wouldn't come up, but as stated I had problems from day XXXX with the membership, I was told it was cancelled and that is why I couldn't search the number. The past XXXX months after cancelling they continue to debit my banking account. 
The other account I sent a letter of request for detailed charges, since they only sent and email to a minor child requesting payment. I followed up with a call to the collection company, they said, I sent the letter back to them, which If I am reaching out to them, why would I send it back, they stated they have been calling me, which I have XXXX calls form them, I have XXXX account that is paid in full monthly, have spent several hours at the fitness center with managers and emails, saved of communications with XXXX, so why would I allow an account or avoid payment of and account. I also took the time to send a certified letter of request to XXXX. which I can not receive proper colorado law breakdown of the charges owed, I continue to get a runaround of false information from XXXX XXXX XXXX XXXX. In XX/XX/XXXX called XXXX XXXX XXXX twice, after sending letter of request. on XX/XX/XXXX spoke with XXXX XXXX XXXX XXXX XXXX, who told me first I sent the information back to their company, then I told him that is incorrect, because I haven't received communication back since the request. He then stated, it was sent back because I did not provide the correct address. Which I argued I had written my address in tow places, on the outside of the envelope and also placed the address on the letter of request in the upper left hand corner, so I know he was not being honest with his information he is providing. As of XX/XX/XXXX, I have not received by colorado XXXX, proper communication of the debt owed, have not received written communication from XXXX & associates of what my rights are, if I can dispute all post letter of request as stated the company told me I had to send when I called in XXXX.
Consumer complaint received 2021-03-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

After actively using and promoting Paypal services for over 5 years, and trusting this company with my personal and business funds. This completely changed on XX/XX/2021. Prior to this, my businesses were using paypal with no issues. Come XXXX, I tried to transfer funds from my Paypal to my bank account and was unable to. I called Paypal and they told me I shouldn't worry, that it was only a measure they took and needed additional information. I quickly provided paypal all the information requested and waited a few days with no response, and transactions still processing into my paypal account. Days later, I receive a call that completely startles me, I'm told told that my account has been limited for 180 Days! That all funds in the account are on hold and non transferrable. This was the start of a huge downfall for my business. And much financial troubles for my family and continues to be. With multiple 5 figures in the account needed for cash flow. All orders have been delivered promptly, I am able to provide tracking for my orders. It has been several months now and I am still unable to access these funds. This is taking food out the mouths of my family and disabling me from paying my rent. I understand to PayPal this sum of money may not be significant, but in my situation this put me on the verge of bankruptcy. If I am unable to have access to these funds very soon not only my business will collapse, but my family will suffer as well. I have not abused PayPals services in any way, this must be a mistake. I have reached out to PayPal several times, but there is no response and if they do respond they do not answer my questions. PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months, but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX