davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I received a credit card from Bank of America Allegiant that I never applied for. I have not had an account with BofA for years now. I called the number on the letter I received and back of the card and sounded like a I was calling a fax line. I called the Bank of America # on XXXX XXXX. The representative that answered after letting her know the situation said, " Is it an Allegiant Card? '' then transferred me to Allegiant and spoke to a representative named XXXX which verified that there was a credit line opened under my phone # and mentioned there was already a claim, which I told him this was the first time I was calling about this. He then transferred me to the fraud department and said they would help me cancel this card and also provide steps to get this off my credit report. Spoke with XXXX in the fraud department and he said the application for credit was submitted on XX/XX/XXXX. He closed the account and labeled it as Fraud. He said they will be working with all 3 bureaus to take this off my credit report. He was not able to tell me how the application for credit was submitted. I will be following up with th credit bureaus myself as well.
Consumer complaint received 2019-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

In or around XX/XX/2008, a utility company in XXXX XXXX, NV, where I had never lived, sent me a letter saying I owed them money for a utility bill. The company had my social security number, so I reported Identity Theft to all 3 credit reporting agencies. I filed a police report where I do live. They refused to change the erroneous information, and still report one of my previous addresses as the one in Nevada. I don't even know anyone who lives or lived there. In this complaint, there's a request for documents, however, since this is an Identity Theft situation, what documents would a person actually have? 

This is totally wrong, and shows their lack of concern for bona fide identity theft reports. They are one of the reasons so much of it occurs, because they make it so hard for decent people to correct what XXXX have done to hurt us.
Consumer complaint received 2023-05-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (NY)

Foremost I wasn't aware I was placed on the car insurance ( XXXX ) in the first place as all I did was cosign for a vehicle. I never received a phone call from the creditor nor the credit collection services. I also do not live at the address that was listed. I cosigned a vehicle but the insurance was placed under the cosigners name who also canceled the plan. I never received any communication from XXXX at all and was not told I was on this account. I was only made aware that it was sent to collections when I received a notice from XXXX. I was misled to believe that setting up a payment plan of {$79.00} would keep them from sending the account to collections.
Consumer complaint received 2023-06-11
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. (MI)

I have submitted documentation that XXXX, Transunion, and XXXX have been sharing improper accounts on my credit report. They are in violation of code section 609. 

XXXX is reporting inaccurate account : XXXX XXXX XXXX XXXX is reporting inaccurate account XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion is reporting inaccurate account : XXXX XXXX did not get my consent to share on my report ( PLEASE REMOVE ), XXXX, and XXXX XXXX
Consumer complaint received 2019-08-03
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. (CO)

On XX/XX/2019 I filed a complaint with Equifax concerning a collections debt and other address and phone number and name mistakes that did not belong to be. ( My ex-wife 's maiden name XXXX and her new married name XXXX have been reported as mine ). I also filed this with XXXX and XXXX, both of which resolved these issues ( expect the names ) before 30 days. On XX/XX/2019 the complaint was completed by them- they corrected the address and phone number but not the 3 debt collections. 
I was unable to access my results on line. I called few days later, nothing was resolved. On XX/XX/2019 I filed another complaint with them regarding the same issue ( 3 debt collections 2 of which held with XXXX XXXX XXXX for XXXX XXXX XXXX   XXXX ). I was again unable to access my results on line. In mid-XXXX XXXX  of the collections debts were removed from my report ( one from XXXX XXXX XXXX for XXXX XXXX XXXX XXXX ), as reported by XXXX XXXX. One has remained, the entire time. In Mid-XXXX I again filled another complaint for the last one held by XXXX XXXX XXXX for XXXX XXXX XXXX  XXXX. This bill also does not belong to me. 
I have tried at least 10 times to access my results on line as instructed by the emails sent by them, every time except one has failed, I am always sent to a page to call them. I have also never received any copies of my credit report from them as required.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I have been dealing with Equifax for some time now. Still to no avail, they have not helped me. In XXXX  my wallet was stolen. My credit cards were destroyed. I filed disputes with chase but they were unsuccessful in helping me restore my funds. There is an account on my credit profile, that has inaccurate information reporting. XXXX - XXXX. The date the account was opened is incorrect. The date of last activity is inaccurate. The high balance is inaccurate. The date of last payment is incorrect. The creditor is reporting different dates to all 3 credit bureaus.

The creditor also keeps updating this account to prolong it being on my credit portfolio. I have sent multiple copies of proof that validates my dispute. 
Please look at the report I attached. It shows all of the different dates being reported to different credit bureaus.
Consumer complaint received 2023-02-28
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: Experian Information Solutions Inc. (CA)

I have written multiple letters requesting validation of debts, removal of closed accounts and to stop reporting on accounts that are still in disputes. the response is always the debt has been verified without proof per the FCRA, closed accounts are still on my credit report and accounts that are still in dispute are still being reported on.
Consumer complaint received 2023-11-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally dispute the inaccurate reporting of late payments on my credit report, which is adversely affecting my creditworthiness. After a thorough review of my credit report from, I have identified discrepancies related to late payments that are not reflective of my actual payment history. 
XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I am deeply concerned about the impact of these inaccuracies on my credit score and overall financial credibility. The reported late payments are not consistent with my payment history, and I believe they are tarnishing my credit report unjustly.
Consumer complaint received 2023-02-28
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: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2019-07-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

I recently filed a complaint with CFPB against Wells Fargo and I did get some resolution but it was not satisfactory. After reviewing the results, I feel it necessary to file another complaint. This one is in reference to the fact that the did not mention in their response that they credited over {$9000.00} back to my account. I am certain that they should have credited more. As a result, I am submitted another complaint in that regard. Additionally, I find it inconceivable that CFPB could do no more that what was done. The loan I have with them was issued during the time they were issuing loans they knew the value were inflated. To say that this property was appraised in excess of {$100000.00} is an absolute falsehood. The tax amount assessed yearly is {$800.00} and if it were valued more, the tax collector would certainly have no issue doing so. Other proper valued at say XXXX tax assesses at {$3800.00} per year. When this loan was issued, the property assessed value was not the $ 100K+ as Wells Fargo 's appraiser reported. The appraisal done by their appraiser was inaccurate and a fraud. This was all done in an effort to substantiate this inflated loan as they have done thousands of times over at Wells Fargo.
Consumer complaint received 2023-02-28
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: Experian Information Solutions Inc. (TX)

I discovered that the XXXX accounts on my credit report were 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 corrected : XXXX XXXXXXXX XXXX  : {$260.00} XXXX XXXX XXXX XXXX : {$420.00} XXXX XXXX XXXX XXXX  : {$360.00} XXXX XXXX XXXX  : {$920.00} XXXX XXXX XXXX  : {$430.00} XXXX XXXX XXXX : {$710.00} XXXX XXXX XXXX : {$180.00}
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX, I looked at my report and i noticed there is innacurate information that is affecting my credit record, therefore I sent a letter to TRANSUNION on day XX/XX/XXXX asking them to reinvestigate these accounts : # XXXX, # XXXX and # XXXX, inaccurate information. I attached the tracking number. TRANSUNION answered the information is correct, and is not correct. I looked at my report and noticed everything is still the same. I sent again a dispute on XX/XX/XXXX to TRANSUNION attached tracking number asking them they need to show me how they verified that inaccurate information in my credit report and gave them XXXX  days to respond, if they can not demostrate how they got that innacurate information, they had to delete innmediatelly those accounts and they answered with the same information, they did not verified anything and kept the inaccurate information in my report. According to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. And according to 15 USC 1681s-2 this is supposed to happen ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. TRANSUNION really Haven't done anything to help me.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

FCRA 605B stipulates the necessity to erase any erroneous accounts from my credit report. Could you please examine the paperwork? Some of the recorded accounts are inaccurate, which is unsettling for me.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I am battling a negative account on my credit report that should not be there! XXXX XXXX flagged my account as late 30 days when it was not late! They messed up internally and they stated that the account was notated to be updated by the credit bureaus! It has now been over 60 days and I have not seen it updated! I am reaching out to the credit bureaus to honor that notation. This late payment is not only a violation of the FCRA but it is also a defamation of character and is predatory. It has prevented me from looking to purchase my home because I know it will hurt my chances. I am demanding that this account be updated to 100 % Current and paid on time status.
Consumer complaint received 2022-12-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group (PA)

This creditor XXXX XXXX XXXX added a collection to my account for a account that was open due to ID theft, this account should be removed from my credit profile as the debt does not belong to me. 

I have reached out to the company 7 times in the last 2 months with no help from the company. 

Account opened XX/XX/2022 amount owed {$610.00} this collection is showing on my XXXX  credit report and is false
Consumer complaint received 2023-02-28
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. (FL)

I am requesting again in regards to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

I have been a chase customer for over 10 years. I had 2 credit cards with chase, a Slate card that I had for 10 years and a Sapphire card that I recently received in XX/XX/2018. In XX/XX/2018 I submitted multiple applications for chase cards that I took interest in to help built my credit score and profile. At the time I only had my Chase Slate account reporting on my credit. Shortly after that I found out that Chase cancelled both of my account and when speaking to a representative of chase they told me they cancelled them due to me applying for multiple applications and due to they noticed an increase in spending on my account. I was confused by that comment because my Chase Slate card was paid off and for my Sapphire card I was only spending 17 percent on my credit limit. I found out my Sapphire card was closed when I tried to purchase an educational course and was declined. I really Love chase and I was very happy to be a customer of theirs. I was very sad to see that my accounts were close after 10 years. And due to that my credit profile has really taken a hit.
Consumer complaint received 2019-01-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (TX)

Hello cfpb, My mortgage has been with CitiMortgage since XX/XX/XXXX & I received a joint letter dated XX/XX/XXXX, from CitiMortgage & XXXX XXXX, stating my mortgage had been sold & to start sending payments to XXXX XXXX, beginning XX/XX/XXXX, which is less than 2 weeks from the date of the letter.

My complaint is regarding the unprofessional manner I was advised of this sale And who they sold it to.

XXXX XXXX has the most negative reviews for a business that Ive ever seen. Every review about them is negative - not one single positive review.

I am asking cfpd to investigate why they - XXXX XXXX- are still in business & if CitiMorgage can legally advise me of selling my mortgage with this short time-frame notice.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts and inquires due to the XXXX breach Identity theft. My information was also impacted by the XXXX data XXXX and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within XXXX business days.
Consumer complaint received 2024-03-15
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. (GA)

As per the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681s-2, furnishers of information to consumer reporting agencies have a duty to report accurate and complete information. In light of this, I would like to address a late payment that was recently reflected on my credit report.

The late payment in question occurred due to unforeseen circumstances beyond my control, which temporarily impacted my ability to make timely payments. However, I have since rectified the situation and brought the account up to date.

Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( C ), it is mandated that furnishers of information must promptly update any information that is found to be incomplete or inaccurate. Given that the late payment no longer accurately reflects my current financial standing, I request that it be updated to reflect the positive status of the account.
Consumer complaint received 2023-02-28
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: Experian Information Solutions Inc. (MI)

On my Experian credit report I have XXXXXXXX child support showing on my report and it is against the law. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. Code 1681i - Procedure in case of disputed accuracy. I didnt give no permission for my social security number to be used and the date opened isnt correct. Child support is unconstitutional and it infringes on the right of familial association. The 14th Amendments 's Due Process Clause has a " substantive '' component. California, Assembly Bill 1058 ( AB 1058, Family Code section 17400 et. seq. ) is known as Title IV-D Tribunals. 


XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I applied for the Bank of America credit card, the BOA made a hard inquiry on my credit reports, and the BOA gave me a letter and said that we need your SSN and income verification. When I provided these files, they said that they could not recognize the SSN and asked me to send it again. 
After providing the second SSN, they made a hard inquiry again and they said they can not approve my application. The reason is " unable to verify the identification ''. Why did BOA make 2 hard pull from my credit score and declined at last even though I provided the files they needed?