davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: EQUIFAX, INC. (PA)

My collections portion of credit scores for Equifax and XXXX state I owe XXXX XXXX from 2010. XXXX report says {$150.00} the next report states the amount due is {$170.00}. I just spoke to XXXX in XXXX and she could not find any account like that in my name. I have not received any collections attempts. I would really like to settle the account but she did not find one. This matter is being forwarded to another department and I must await their contact.
Consumer complaint received 2022-01-24
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. (TX)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : Chapter XXXX Bankruptcy Case Number : XXXX Remove this Bankruptcy from my Public record Chapter XXXX Bankruptcy Case Number : XXXX Remove this Bankruptcy from my Public record
Consumer complaint received 2019-08-07
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (HI)

XXXX XXXX I received a letter in the mail from Synchrony Bank thanking me for my application for a WalMart credit card. The application ID was XXXX. When I called the number provided, the company asked that I provide my name and Social Security number to confirm that my identity had been compromised. This would further compromise my identity and clearly this company does not value identity protection so I chose not to provide my information. The company refused to close my application and seems committed to continue perpetrating fraudulent credit card applications.
Consumer complaint received 2019-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I have a account listed on my credit report that is not accurate from XXXX   XXXX XXXX XXXX XXXX # XXXX this account has never been verified and the balance reported is not accurate. This account I am disputing under 609, 623 FCRA. I have no documentation to show that it is even accurate. Please remove this account until I have a copy of the paperwork for my own personal review.
Consumer complaint received 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Trans union refuse to validate student loan debt on consumers report, XXXX has finally followed the law, but Trans Union, ontinuously put information on my report that is not XXXX XXXX  accurate/valid.XXXX  in particularly, Ive disputed the allegations, charges occured in XXXX i was under the legal age XXXX to consent to any open credit. XXXX can not or has not provided the proper documentation to collect iff of me ; they used false information claiming I owe them, using my identity to collect interest payments or some sort ; i gave never made a payment to this company, false information ; provide evidence showing i made any payments to XXXX, XXXX XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ) are required by federal law to verify through physical verification original signed consumer contract bearing, i demand to see original proof of my authentic signature agreement w/wet ink ; otherwise anyone can create a bill statement and say i owe them ; If XXXX cant not provided this the must remove XXXX account ; not following law can result in penalties and criminal charges ; negative/invalid information on my credit report ; violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX No credit card may be issued to, or open end consumer credit plan established by or on behalf of, a consumer who has not attained the age of XXXX.Trans union fails to follow the consumers laws XXXX XXXX has used my identity and say I owe them, false information, false representation of character amt, false representation that one is vouched by XXXX ; XXXX has also be saying late payments on one bureau but on time on another, all information is false ; XXXX has removed the invalid information i need all bureau Trans, XXXX to follow the law
Consumer complaint received 2022-01-24
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. (LA)

I have been trying to get CFPB and Experian to correct the incorrect reporting of my Student loans as being late DEPT OF EDUCATION/XXXX Account number XXXX. I am NOT LATE as the CARES Act stimulated that the repayment will not be restarted until until the end of XX/XX/2022. Why Experian can not update as such. There is not real investigation needed because its common sense. The other two credit bureaus have updated their report so why can't Experian do the same. I am in the process of filing additional complaints with DOJ and Dept of Ed. As you know because of Experian incorrect reporting has hampered my ability to obtain a home loan because they see these late payments as a negative. Please correct or remove immediately.
Consumer complaint received 2022-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (FL)

we have been in the XXXX XXXX since XX/XX/2021 and our arrival in that country has not been pleasant with robbery, etc. We have been robbed at our XXXX and we were refunded and were able to get another safer XXXX. We made contact with the local police and they just only came over to see what happened, they have no computer to write up an incident report the only thing they said is that be careful and they will keep on investigating around town. Now, come to find out that these individuals cops have their crooks working for them and they have fake cards that they can duplicate your cards. I did some research and on XXXX, they were the same kind of operation that dismantled a gang of credit card fraud. I only used my card for hotel stays and be live resorts and transactions in the united states. I never made any atm withdrawal or withdrawal at a casino. they need to show me proof of my signature and my passport number because if you are taking the money you need your passport and your signature. I need my money back. 

I have made several calls to Regions to let them know about the situation, I spoke with at least XXXX agents and I even gave them a local number to reach me for more support, they told me a supervisor will be in contact with me but he/she never did. Instead, they are being rude and not willing to help. I also have a loan with them and now they have caused my loan to be past due for two months due to the fraud that occurred in my account.
Consumer complaint received 2022-10-25
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

We were getting a HELOC with a {$100000.00} withdrawal at closing. However, we were scheduled to have a mobile notary on XX/XX/2022 but had to cancel due to illness from XXXX. 

On XX/XX/2022 I noticed that I had an extra {$100000.00} in my account. Again I never signed anything related to this loan and had no idea why this went through. On the same day I contacted the bank and spoke to XXXX different people and was on the phone with them for over XXXX hours. 

The last person I spoke with said that someone would call me back in XXXX hours. A few hours later someone called and said for me not to touch the money and he will call me back on Monday. He also said that he was just going to back out the transaction and have me sign for the HELOC. 

I told him that I want to know what happened before I sign papers for this loan. I also asked him if this issue would be self reported to a government agency and never received a clear answer. 

At this point I have some concerns moving forward with this loan but Bank of America seems only concerned that I do not spend any of the money. Not once did anyone from the bank apologize for this issue.
Consumer complaint received 2022-01-24
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. (NY)

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 2022-01-24
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P. (VA)

At first I owed XXXX then I paid it down to XXXX now they are stating I owe XXXX again and they are even writing my old address. So that it has to be forwarded to me by my old landlord.its by resurgent capital services
Consumer complaint received 2022-04-08
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (CA)

I have been trying to correct my credit report with this company for close to 2 years. They fail to properly respond to my request to investigate or provide documentation on why they are showing this to be a charge-off/collection account. Their lack of caring to properly report this account on my credit has caused me to lose job opportunities because of their careless actions.
Consumer complaint received 2022-01-24
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: BCI FINANCIAL (CT)

On XX/XX/21 I received an alert on my XXXX about a car loan, that I didn't authorize, sign for or give my consent for.B.C.I financial group .I called company and they said they would take off my credit report, due to the fact I didn't authorize them to do so.
Consumer complaint received 2022-01-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aspen National Financial, Inc. (PA)

Hi, my name is XXXX XXXX and no one has forced me to write this complaint this is of my own free will. I am writing that XXXX XXXX has violated me stated that if I paid this alleged debt they would remove the negative item off of my credit report. As I check my credit it is still reporting. This is my last time reaching out about this matter. If within the next 15 days this item is not removed I will report this information to the attorney general, XXXX, and the XXXX This company has lied and committed fraud and falsifying information.
Consumer complaint received 2018-07-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TD BANK US HOLDING COMPANY (MA)

On XX/XX/XXXX, my sister initiated a {$1000.00} transfer from her TD Bank Checking account to me via XXXX. I received notices from XXXX that I received the money. The XXXX app where I previously entered a debit card where the underlying checking account is where the money was to be received showed that I had received the funds. I could see in the checking account that pre-authorization transaction with XXXX listed as the merchant hit my checking account. The actual funds themselves were never received by my credit union where the checking account resided. I contacted XXXX and was told that they were simply a software platform and the money would have to be either at the sending or receiving banks. Both TD Bank and XXXX XXXX XXXX XXXX said they did not have the funds and pointed to XXXX as responsible for the money not being delivered. After multiple calls to XXXX, I finally demanded that the matter be escalated and that I speak with a manager. I was refreed to XXXX XXXX, a mid-level manager at XXXX, who claims he researched this extensively and determined that the funds were " found '' in a suspense account and that we simply needed to file a dispute with TD Bank to get the money back within 10 days. TD Bank at first refused to research the case because everything at their end said the money had been successfully transferred. TD Bank has not been able or willing to determine where the money ultimately ended up and that it was nit their problem. It has been 90 days and we are no further along than when we started. XXXX is not returning our phone calls. I am incurring interest charges and TD Bank has refused to give my sister {$1000.00} while the matter is being researched. No one is disputing that I did not receive the money.
Consumer complaint received 2015-11-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (GA)

There is a Auto loan Listed on my Equifax credit report for XXXX XXXX XXXX aka XXXX XXXX account number XXXX which is an account I have never placed with them. They placed it there in error I was told by XXXX and they told me to dispute it with credit bureaus but took no action themselves to correct it.
Consumer complaint received 2021-05-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (CA)

Fed Loan Servicing is telling me that 84 of my student loan payments that I made under the Income-based repayment plan, are ineligible to count toward my Public Service Loan Forgiveness program PSLF. PSLF requires 120 payments to be made while working in a public or non-profit agency, which I have. I've never worked in the private sector. I graduated and began my repayments in XX/XX/2012 and that means I've worked non-stop since that time. I submitted a request a few months ago, formally informing them that I don't agree with that decision. I was then informed that they could not do anything about that. I've also called to request a number for me to discuss this with an ombudsman or advocate, but that was not provided to me, saying they did not have such a number and apologized. In my Fed Loan Servicing online account I see that 9 of the 84 ineligible payments are " payment is pending manual review '' so I hope those become eligible payments counting toward my PSLF program. The only time I've stopped working at a non profit was when I had to go on XXXX leave to have and care for my children. I hope you can help me. Thank you.
Consumer complaint received 2023-12-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NC)

Hi, without my knowledge the CITI credit card was generated on XX/XX/2023 and I did not even receive the credit card. It looks like someone used the card and made purchases two in XXXX and 1 in XX/XX/2023. I came to know about this issue once the 90-day payment crossed and hit the XXXX XXXX report that I missed the payment. After going through the details I understand that the card got generated and was misused by someone. Immediately I raised a complaint with the Citi Bank security department to dispute the charges and blocked the card. The card is blocked and dispute the charges are in progress ( investigation stages )
Consumer complaint received 2019-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX ; XXXX and Transunion are reporting incorrectly a charge-off on the XXXX XXXX partial account number XXXX. ( Please see page 12 of the attached credit report. ) I have suffered from XXXX XXXX XXXX XXXX due to an injury during XXXX  and I dont recall signing any sort of agreement to open this account. This incorrect reporting of a charge-off is harming my credit score and this line item needs to be deleted from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Consumer complaint received 2022-10-25
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. (MI)

This is XXXX XXXX XXXX submitting this CFPB complaint to you today to inform that I will be filing a lawsuit against the Credit reporting Agencies. For the last 4 months, I have been disputing for the correction of my Credit report by having the disputed items removed from my Credit report and yet they have failed to do so. Also, the Credit Reporting Agencies have been claiming that the disputed items are verified and are accurate per the Creditors ' verification, however, no matter how many times I ask for the Credit Bureaus to send me copies of proof of verification, they do not comply! I have had enough of their stall tactics and I am working with my legal team to submit a lawsuit against the Credit Bureaus. Under the Fair Credit Reporting Act, the Credit Reporting Agencies are required to investigate the disputed items and present the results of their investigation after 30 days. XXXX months have passed and the Credit Bureaus have been sending me nothing! I am disappointed at the Credit Bureaus, the agencies whom I thought of the one willing to help us consumers is the XXXX making our lives miserable. This will be last attempt to contact the Credit Bureau via CFPB portal and in the event the Credit Bureaus do not comply with the requests, please understand I am only filing a lawsuit to protect my consumer rights. If it is not too much to ask, please have the following items removed from my Credit Report : XXXX XXXX  XXXX Balance : - XXXX  XXXX XXXX XXXX XXXX : XXXX XXXX  XXXX, XXXX. XXXX Balance : - XXXX XXXX  XXXX XXXX Balance : - XXXX XXXX Balance : - XXXX  XXXX Balance : {$0.00} XXXX  XXXX bankruptcy XXXX Reference # : XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Ive Sent Numerous letters to the company and the the Company Continues to failure to respond, I have talked on the phone to resolve issue and still nothing, there isn't any notice at all on there site indicating that their ever was an dispute, this is also my third time contacting the company about this same matter and would like your help getting resolved.
Consumer complaint received 2024-03-07
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. (NM)

In accordance with 15 USC 1681e ( b ) they are required to insure that the information they are reporting is CORRECT. Not only did they NOT insure this, but they have, even after being advised by my dispute to them and my complaint with cfpb XXXX, in which they again FAULSLY stated that their information was correct, that was a LIE. I will attach here documentation that is PROOF of their FRAUD. Their credit report shows my addresses in XXXXXXXX XXXX XXXX. I have ONLY lived in this city ALL my life. The debt was incurred in XXXX. A state which I have NEVER visited. Had they ACTUALLY bothered to actually checked for accuracy. That would have been evident to them. However, they chose to simply LIE and the CFPB chose to simply believe them WOUTHOUT demanding evidence, or demanding they provide me proof of their claim.
Consumer complaint received 2022-01-24
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. (CA)

XXXX, Equifax, and XXXX XXXX have all been intentionally collecting and giving out my private information of my private consumer credit without my consent which violates the California Consumer Privacy Act ( CCPA ). Much of this information has been negative and reported falsely, all of which is intentional. I have sent communication to XXXX, Equifax, and XXXX XXXX in the past with no success as they did not remove the negative information which in turn restricted me from accessing my own consumer credit. These numerous reports have negatively affected my credit scores which inhibited/restricted me from moving freely and accessing my consumer credit. This describes adverse actions committed against me which also violates the Truth in Lending Act ( TILA ).
Consumer complaint received 2022-01-24
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. (CA)

XXXX, XXXX, and Trans Union have all been intentionally collecting and giving out my private information of my private consumer credit without my consent which violates the California Consumer Privacy Act ( CCPA ). Much of this information has been negative and reported falsely, all of which is intentional. I have sent communication to XXXX, XXXX, and Trans Union in the past with no success as they did not remove the negative information which in turn restricted me from accessing my own consumer credit. These numerous reports have negatively affected my credit scores which inhibited/restricted me from moving freely and accessing my consumer credit. This describes adverse actions committed against me which also violates the Truth in Lending Act ( TILA ).