davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-16
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings (CA)

I reached out to Speedy cash directly and to the credit beaurus to verify that this debt was mines. I attached one of the letters. I didn't receive EVERYTHING that I requested in the letter verifying that this debt is mines.
Consumer complaint received 2022-02-16
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)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to EQUIFAX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In XX/XX/2021, Capital One Bank denied the NYS Department of Taxation the right to withdrawal my quarterly sales tax payment resulting in a {$2300.00} fine for late payment. The bank had accepted fault and had launched an investigation which is still ongoing a full calendar year later. Every time I reach out to find out the status of the investigation, I am told that no new news is available and they are still working.
Consumer complaint received 2020-12-16
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: Sequoia Financial Services (CA)

The company Sequoia financial has been charging interest on my collection to count which they acquired from the city of XXXX in 2015 my 1st issue is that they should not be reporting it on my credit report anymore due to it being over the statue of limitations for the state of California 2nd For the past 3 years I have been noticing the account has been acq Interest And from my understanding A collection company can not charge interest on a debt that they you purchased.
Consumer complaint received 2022-07-27
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. (IL)

I have submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-02-16
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. (MN)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2019-09-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

We were refinancing our house with Union Bank in XXXX. We received approval of the loan - then the bank decided to add another point to the loan after approval. The loan had taken six weeks to process when I asked what was taking so long and why they added a point after approving the loan. They finally said they had decided to cancel the loan.
Consumer complaint received 2022-02-16
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. (IN)

On XX/XX/2022 I received notice from Experian that my dispute was now open. On XX/XX/2022 I received notice that my dispute was complete. I sent in the documentation showing that the judge ruled in my favor and that I do not owe the company anything because of it. Experian failed to remove the collection from my credit report. They stated that they updated my information on my credit report. They couldnt have updated it because the collection is on there.
Consumer complaint received 2018-11-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc. (GA)

XXXX XXXX XXXX sent our closed account to a collection agency Franklin, ( all  equipment returned and services paid for ) as we switched to another provider. 
We sent copies to both XXXX XXXX XXXX and the agency to no avail. We finally just paid the darn bill as to get the phone calls, letters, etc on our file stopped. 
Now a collection account shows on our account. 

HELP ... this is coming us a mortgage. 

Thank you,
Consumer complaint received 2019-09-07
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: Early Warning Services, LLC (OH)

Someone opened an account in my name and I never knew about it. I never opened an account in XXXX XXXX. I never lived there nor did I know about this account. I want this account to be investigated. I have tried to reach out to XXXX XXXX in regards to this account. They contacted me in regards to the wrong account. Early Warning Signs reported an account with XXXX XXXX. i never opened an account with XXXX   XXXX. It is a fraudulent account that I never opened. They didn't do a proper application. It was any credit or application or any other account. The fraudulent account number is Account # : XXXX It was a checking account that was opened.
Consumer complaint received 2019-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

I recently received a an incorrect reporting on my credit file from all 3 credit bureaus XXXX, Experian, and XXXX of a fraudulent credit company claiming that I owe them said money amount. The name of the company is called " XXXX XXXX ''. I sent correspondence to all 3 credit Bureaus about this fraudulent reporting on my credit report and al 3 credit Bureaus had deleted the incorrect report. I recently pulled my credit report and noticed that the same file was put back on my credit report again. I am requesting that this company discontinue from reporting anything fraudulent on my credit file and that the 3 credit Bureaus also stop reporting this claim on my file after deleting it off.
Consumer complaint received 2018-11-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AES/PHEAA (GA)

Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/2015 Amount : {$0.00}
Consumer complaint received 2022-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

In the following months USAA has denied and even shut off several of my cards. This has happened several times today. Having tried to resolve these issue USAA attempts to shut off my card again today with unreasonable reasons why. I want them fined for each occurrence and each card as they are unwilling to rectify this issue and not allowing me to make purchases. This is not the first time this has happened.
Consumer complaint received 2019-09-07
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: WELLS FARGO & COMPANY (OH)

Someone opened an account in my name and I never knew about it. I never opened an account in XXXX XXXX. I never lived there nor did I know about this account. I want this account to be investigated. I have tried to reach out to Wells Fargo in regards to this account. They contacted me in regards to the wrong account. XXXX XXXX XXXX reported an account with Wells Fargo. i never opened an account with wells Fargo. It is a fraudulent account that I never opened. They didn't do a proper application. It was any credit or application or any other account. The fraudulent account number is Account # : XXXX It was a checking account that was opened.
Consumer complaint received 2022-02-16
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. (WA)

I reported that all of my child support has been paid in full and that debt has been satisfied. XXXX Transunion and XXXX is still reflecting old information and they are refusing to let me dispute the information. THESE ACCOUNTS ARE PAID IN FULL AND SETTLED
Consumer complaint received 2022-02-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

on XX/XX/XXXX, I made XXXX deposits of {$10000.00} each to the company XXXX of XXXX for the purchase of a XXXX tahoe XXXX, I was supposed to receive the vehicle after made the 2 deposits, but the person did not do so because he said he had only received 1 deposit, he just sent me the shipping receipt. The bank confirmed me that the 2 payments were made correctly, the person told me that he would give me a refund on Monday, XX/XX/XXXX, but I did not receive anything, and they stopped answering messages and calls, i was scammed. 
I made the fraud claim to the bank, but unfortunately the couldn't do anything. 
After an investigation made it by myself, i discovered that the company is fake.
Consumer complaint received 2019-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (IA)

In XX/XX/2019 I received an offer to apply for a Delta Skymiles Gold card. I received both a flyer in the mail and email with the same offer. Part of the offer was that the {$95.00} annual fee would be waived the first year. In XX/XX/2019 I applied for the offer online through the website provided in the flyer and using my Skymiles number to access it. I was approved by American Express and began using my card. When I received my first statement I noticed the annual fee had been charged, so I contacted AmEx through their online chat on XX/XX/2019. I was told " There is no such offer for no annual fee for first year. '' I disputed this and was told they would open an investigation. I thought I still had the flyer in my recycling, but could only find a different flyer which I had received after applying for the original offer, although this offer also included a no annual fee the first year. I had also deleted the original emails after having been approved for the offer. I called AmEx on the phone and was told to check back on the status of the investigation. On XX/XX/2019 I contacted AmEx through their online chat. I was told the investigation was closed and " the image you've uploaded supporting your claim regarding the annual fee waiver offer could not be loaded at our end. '' I had never been asked, nor tried to send an image. The investigation was reopened, but since I have no proof of the offer I feel this will not resolve the issue. Thank you for your help.
Consumer complaint received 2022-02-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with Consumer
Consumer complaint received 2021-07-14
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Valentine and Kebartas, Inc. (OH)

I was contacted about a debt from Valentine and Kebartas about a month ago and I told the person that now was not a good time for me to talk and that she needed to call back at a different time. She seemed to be understanding, but a month later I received a harassing phone call from a customer service representative about this debt and they said it was XXXX. They wanted me to verify my social security number and my date of birth and I refused. I asked her did she look up the information that the other person had told her and she said yes, but that she was still calling about this debt. I told her to send me a debt validation letter and she said that one was mailed, and that I needed to take care of this. I told her to stop calling me and to send me the letter. She told me that she would continue to call me after I told her that the law states that, that she can not harrass me once I tell her to stop calling me. I then hug up the phone on her. Today, on XX/XX/2021 at XXXX. A representative called and pronounced my name wrong and wanted me to verify my information and stated that this was an important business matter. I asked him what this was about and he kept asking me to verify my information. He asked for my address and my social security number and I wouldn't give it to him. I was then frustrated because I heard all of this loud noise in the background and told him that he needed to turn his TV down. He then kept asking me for my information and I told him no and he said well you verified it on the XXXX  and we have been sending you letters. I kept asking him what this was about and he refused to say. The noise in the background was getting louder and I told him that I could barely here him. He then replied that it's COVID-19 and it's his kids and that he is working from home. Then he kept asking for my information, I told him that he needs to stop calling me and that they need to send me a debt validation letter. He hung up the phone on me and told me that it was because I didn't very my information.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX XXXX XXXX  INQUIRY ON MY CREDIT UNAUTHORIZED INQUIRY ON MY CREDIT REPORT XX/XX/XXXX XXXX XXXX XXXX UNAUTHORIZED HARD INQUIRY ON MY CREDIT REPORT XX/XX/XXXX XXXX XXXX XXXX UNAUTHORIZED HARD INQUIRY ON MY CREDIT REPORT XX/XX/XXXX XXXX XXXX XXXX UNAUTHORIZED HARD INQUIRY ON MY CREDIT REPORT
Consumer complaint received 2022-02-16
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)

I was a victim of identity theft. I sent XXXX, TransUnion, and XXXX my FTC report on XX/XX/2022. According to 15 USC 1681c-2, Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2018-11-28
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: Diversified Consultants, Inc. (IL)

I have sent a debt validation request to them and have not received any response. This debt is not valid. I had issues with XXXX and this account never should've been sent to collection. I do not owe them the amount that they are indicating. I had major issues with this account from XXXX and unauthorized charges. I would ask that they remove this account from my credit report and send the account back to XXXX so I can deal directly with them. I have been harassed by Diversified Consultants for a long time now.
Consumer complaint received 2022-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP (CA)

Key Bank is refusing to return my funds, as held in a personal checking account. 

I opened the account on XX/XX/2022, and the account has been frozen shortly thereafter, per previous CFPB and XXXX complaints. Please find the previous CFPB complaint attached. 

Key Bank responded to my complaint on XX/XX/2022 by summarizing the situation, but there has been no resolution to the matter. My balance of {$1500.00} has not been returned to me, nor a timeline for this disbursement. 

I would also advise that Key Bank revise and update their antiquated business practices with regards to identity verification. Key Bank states this indefinite hold of my funds is because they can only verify my identity by physically visiting an out of state branch. Given the advances in technology with public knowledge databases like XXXX, a customer 's physical presence should not be necessary. 

Alternatively, if Key Bank does not wish to invest in modern technology, Key Bank can request further information from me to identify myself, but has not done so. I proactively called a branch and customer service offering to provide identity documents like my XXXX passport, drivers license, and/or utility bill, but was denied. Coupled with the risks of the COVID pandemic, this is a perfect opportunity for Key Bank to update their outdated business practices with regards to requiring laborious in-branch visits. 

I would appreciate immediate disbursement of my full balance of {$1500.00} via a trackable shipping method, like XXXX. 

Thank you.
Consumer complaint received 2022-04-06
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. (FL)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.
Consumer complaint received 2021-07-14
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: DISCOVER BANK (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2022-02-16
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. (NC)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-02-16
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. (IL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-02-16
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)

The 90 day delinquent showing XXXX is incorrect, we have not been late 90 days, we are uploading proof. We have asked mortgage company to remove but they won't and they have all our documentation and said because we finished our forbearance and now in MOD stage, they will report all lates to bureaus. What is mind blowing here is that we continued to make our regular mortgage payments and IGNORED THE MOD LOWER PAYMENT, we aren't delinquent. It's their protocal but so unfair because they are reporting to bureaus incorrectly. Please help us.