davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2021 I faxed over an investigation request in regards to the XXXX Car account # XXXX ( see confirmation attached ) via CFPB fax number I got no response from Transunion or from anyone for that matter. I once again on XXXX XXXX faxed over via the CFPB fax number a second request to investigate ( see attached confirmation ) I got no response again from anyone. Failure to investigate this matter should result in removal of said account.
Consumer complaint received 2019-06-12
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)

I have accounts that I never signed up for that are somehow showing up in my collections. 

- XXXX XXXX XXXX XXXX - XXXX XXXX - XX/XX/2019 - XXXX XXXX XXXX - XXXX XXXX XXXX - XX/XX/2019 XX/XX/2019
Consumer complaint received 2019-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I had my identity stolen several years ago through theft of my spouse 's purse. My personal documents were in her possession and I have been dealing with loan accounts and apartment rentals in the state of TN. 

They opened personal loans, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX mobile numbers, and they listed an address on my credit report that is not mine. My date of birth is wrong it shows 1977 Can someone tell me how to get rid of this major inconvenience? I have tried fixing XXXX  XXXX XXXX  issues but they are not cooperative I have sent all information required and they still do not change my record or remove it. XXXX XXXX in TN is another creditor that is not helpful. 

Experian report number XXXX
Consumer complaint received 2019-03-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: GREAT LAKES (NC)

I am an XXXX XXXX military member. Been working towards being eligible for PSLF program. I graduated from school in XXXX. Consolidated my loans and it was serviced by Great Lakes from XXXX. The loans is being serviced through XXXX currently. When the loans was transferred from Great Lakes to XXXX   XXXX, that payment history was lost. I have been trying to get my payment history from Great Lakes since XXXX, but always get automatic replies. I am almost at the 10 year mark of XXXX XXXX service, but am unable to get that history from Great Lakes. Without it I would essentially lose close to 2 years worth of eligible payments. I need them to give me that payment history.
Consumer complaint received 2019-06-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (FL)

I received a mail piece offering to open a Citi checking account with qualifying actions to received XXXX Thank You points. Despite completing all qualifying actions I was unable to use the points. 
Listing below the events in chronicle order : 1. Opened an account on XX/XX/XXXX 2. All required actions were completed on XX/XX/XXXX ( this has been confirmed by numerous Citi representatives ). 
3. On XX/XX/XXXX supposedly XXXX Thank you points were credited to my Thank You account. 
I didnt receive any email notification nor did I ever see those points on my online account, even when trying to log in directly to XXXX. 
4. On XX/XX/XXXX I contacted the Citi Customer service asking about missing points, # XXXX. They suggested opening a case so this can be investigated. Customer representative informed me itll take 3-5 days to get a response. 
5. When 5 days expired I called the customer service again, they asked to wait up to 21 days for a resolution due to Citi having too many inquiries at the moment.

6. On XX/XX/XXXX I received a resolution on my request # XXXX stating that XXXX Thank You points were credited to my account on XX/XX/XXXX. 
7. On XX/XX/XXXX called customer service representative to help me see/use the points since they were still not visible on my account. They claimed that points expired on XX/XX/XXXX ( 60 days after they have been credited ) 8. Opened another dispute XXXX and on XX/XX/XXXX got a response that they cant do anything. 


While I understand that points were set to expire in 60 day, first time when I called Citi I as within the terms and points were supposed to be active. The actions taken by Citi to investigate the case made points to hit the 60 days expiration term. 
I was never given an opportunity to use the points, despite completing all requirements to get them.
Consumer complaint received 2023-03-29
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. (TX)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (KS)

On XX/XX/23 i won a jackpot at an online social casino totaling {$20000.00}. I won ~ {$10000.00} in various gift cards and got {$10000.00} cash direct deposited into my checking account. Well on XX/XX/23 I at a different online social casino I hit a grand jackpot of {$66000.00}. I took {$9000.00} cash being directly deposited into my checking and am getting check in the mail for the remainder ( {$51000.00} ) from XXXX XXXX. Ive started getting these emails that I felt were suspicious from someone claiming to being an employee of chime  ( whom I bank with ) so I call chime and ask them if they issued email from an XXXX every representative Ive spoken with all told me that that is not a chime email dont respond to it. So I didnt. Well these emails were threatening to take adverse actions on my account if I dont respond. So I kept calling chime terrified that someone was about to take over XXXX  accounts and steal My money. Well turns out that on XX/XX/23 chime froze my account and kicked Me out of my online access entirely cut off. I can no longer get my documents or my money or see anything to do with my accounts. Ive done everything they have asked to show proof of everything. There is so much information and its So traumatic that they cut me from my finances with no explanation. They got XXXX you suddenly permanently close my account with them due to violation of terms and conditions. But never said what therm I violated and I have asked several times. I not get the same email from the same XXXX telling me they are afraid they have not received sufficient evidence. Your account is suspended for your security. Over and over. Now when I email XXXX I dont even get a response. I get an email from outreach with the same email. The have taken {$4000.00} from me and i Dont know what to do to get my money. I even got proof from the social casino what the money is deposited from and how Much I redeemed. I gave them a copy of my Drivers License and proof of address. And all I get in response is the this email. I still dont have any kind of access to my accounts.
Consumer complaint received 2023-03-28
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: Bread Financial Holdings, Inc. (NJ)

LOFT credit card customer. New credit card was issued ( I did not request this new card, I think the provider changed ). I used the card in XXXX, spent {$40.00}, but my auto payment was stopped ( without my knowledge ) and then no statement sent until XXXX. I was thus 3 months late in payment as I expected auto pay to resume, and had received no statement. Once I realized this in XXXX, I paid. However my 3 month delay was reported to credit agencies and my score dropped over XXXX points. I am trying to purchase a home with my husband l, and this is a huge issue for us and costing us thousands due to my low score. Repeated attempts have been made and no one from the bank servicer can help die to internal policies, but clearly there could be something done for a good will adjustment. 

The company tried to call me in XXXX to let me know of the late payment, but every time I picked up, no one answered so I assumed it was spam. I had to call myself to see what the issue was.
Consumer complaint received 2019-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CENTERSTATE BANK CORPORATION (FL)

Per my other complaint I just filed with XXXX ( CFPB ID # XXXX ), Centerstate Bank of Florida is incorrectly reporting my former account with them to XXXX as a delinquent account ( Collection/Chargeoff ) with a balance. 

Centerstate Bank is reporting this account correctly with XXXX and XXXX. I sent a letter, got no response and XXXX contacted them. 

The attached evidence is clear that this account was discharged in bankruptcy. It should be reported to XXXX as closed, discharged in bankruptcy, with no balance.
Consumer complaint received 2022-10-14
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC. (FL)

I have been requesting for your company to provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. Also, My rights as a consumer might have been violated especially my rights to privacy.
Consumer complaint received 2020-09-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (VA)

OnXX/XX/20 I received a debit card via the USPS from Paypal. I did not sign up for an account nor did I authorize an account to be set up in my name. I do not now, have ever or plan to do business with Paypal. The account was opened fraudulently with my personal information. The card came with a 16 digit card number, a 3 digit safety code and my name printed on the debit card. Literature enclosed with the card asked me to set up direct deposit from my employer, had a routing and Assigned Account number. I called the phone number on the back of the card to attempted to speak with someone regarding this situation. After several prompts the automated system stated they were unable to take my call and disconnected. I then tried 8 other phone numbers listed for Paypal I found online and affiliate banks that were listed on the card. All of the calls ended with the same message and disconnected. In total, on XX/XX/20, I made 21 calls over the course of several hours with no results or any option to speak with a live agent. The automated system asked for the 16 digit account number but since it was a fraud account I did not want to enter those numbers fearing it would " activate '' the card. One of the automated system prompts suggested going online for inquiries. This requires registration of one 's account. Since the account was set up fraudulently I did not feel it was a smart idea to register a fraud account. On the morning of XX/XX/20 I made multiple attempts to contact Paypal all with the same result as my numerous calls of XX/XX/20. I then located the card issuing bank listed on the back of the card and called their customer service. When I contacted The XXXX XXXX the person I spoke to stated he, unfortunately, was unable to help. He also stated that he was instructed by Paypal via management, a year ago, that he/call center reps were not allowed to transfer calls to Paypal or give out any phone numbers to customers who wanted to contact Paypal. After being unable to get Paypal on the phone after multiple attempts I tried to contact them via social media only to get, what appeared to me, chat bots that were unable to help or offer any other form of contact. I have yet to hear back from Paypal from my social media private/direct messages. It is clear to me that Paypal is avoiding any and all contact with customers or anyone else needing to have questions answered. This is a very dangerous practice as people 's credit/financial status is at risk. Paypal did not do their due diligence when opening this account. I did not receive an Adverse Action letter nor did I receive any Enhanced Due Diligence Letter during the account opening process. No other contact was made by Paypal to verify if the application was fraudulent or valid. I have made every reasonable effort to contact Paypal regarding this account that was opened fraudulently and it seems as if Paypal has made a deliberate effort to avoid being contacted.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've been trying for so long to try to fix my credit report, but first I need it to get XXXX from each credit reporting agencies, I have a problem with transunion and XXXX as they not help me in getting my credit report because they can't " verify my identity '', I provided all the documents and answer questions and still they dont help me. My credit is destroyed, there is many wrong information on my credit that I want to fix, but transunion and experian are not helping me at all. This is resulting in me getting denied for a simple credit card or small loan. I NEED YOUR HELP!..
Consumer complaint received 2022-08-16
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. (FL)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct # 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
Consumer complaint received 2020-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (FL)

My account was in great standing, bills paid on time. I had a disputed charge on my account from a company called ( XXXX XXXX ) which was billed to my Barclays Visa card ( 1 ) First the company did not send me all the goods I paid for. ( 2 ) Second I sent back what was received The company ( XXXX XXXX ) was advised the good would be returned. Barclays refuse to credit my account for the charges even though the XXXX receipt were sent to them where the company received and accepted the merchandise I refuse to pay that part of my bill and asked Barclays not to charge me interest on the disputed amount. Barclays continues to charge me interest AND have now Reported my account to all the Credit Bureau as being late, which have made my Credit Score dropped significantly. 
I need them to remove the false statements from my credit report and credit my account for the merchandise that was returned and accepted by ORIGINAL SIN Company. 
Thank you Mrs XXXX
Consumer complaint received 2019-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I contacted TransUnion on many occasions, almost a year regarding the public record that they have reporting on my credit file. I also checked my other 2 credit bureau records & found that this public record isn't reporting with them. They haven't provided any proof of the information that they're reporting according to FCRA. 

It's reporting as : Chapter XXXX Bankruptcy File Date : XX/XX/2010 Ref # : XXXX Upon all of my disputes with TransUnion regarding this public record reporting they've responded by stating that they have verified it via the courts through XXXX. I contacted the courthouse & the confirmed that they don't verify any information regarding court records to the credit bureau 's & due to identity theft my records with XXXX were suppressed for my personal credit protection.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercury Financial Intermediate LLC (VA)

I have an account with XXXX that is no longer open. 
This account closed in XX/XX/year> when I filed XXXX XXXX Bankruptcy. This account was paid in full as of XX/XX/year>, yet the company is reporting " Debt discharged in bankruptcy/Never late ''. 
This account should state that the account is Paid In Full/Never Late. 

I have an account with XXXX XXXX XXXX that is no longer open. 
This account was closed in XX/XX/year> when I filed XXXX XXXX Bankruptcy. This account was paid in full as of XX/XX/year>. The bankruptcy was filed XX/XX/year>. XXXX has corrected this information on XXXX only. This account is Paid In Full/Never Late. 

Both of these accounts are reporting as Negative on my credit report. Both of these accounts were paid in full, and their reporting is inaccurate. Neither of these accounts were included in the XXXX  XXXX Bankruptcy court filing. They are not listed on the court documents. There is no debt to pay or be discharged. This almost seems fraudulent on their end to claim writing off debt that did not exist.
Consumer complaint received 2023-03-31
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: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have 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 my account information without my written instructions.
Consumer complaint received 2023-02-01
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. (LA)

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 2019-06-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

I was told by a Mr. Cooper representative ( XXXX ) that came to my residence that an in person meeting could be arranged and would be requested. A month later Mr. Cooper had not reached out to me regarding a meeting or the issues I raised and they put the mortgage into a wrongful default causing me unnecessary expenses, fees, and grief. 

I first contacted Mr. Cooper in regards to errors in their notices and amounts in arrears in XXXX. I requested an updated statement reflecting an accurate balance and current account be sent to my attorneys and the trustee. This did not happen. I went through all payments and made additional payments and the Mr. Cooper Agent on the telephone assured me that no payment on the account was due until XX/XX/XXXX. Mr. Cooper contradicted themselves and sent me notices months after for payment due XX/XX/XXXX. It is impossible to get accurate and timely info from them.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (VA)

I have an account with XXXX that is no longer open. 
This account closed in XX/XX/year> when I filed XXXX XXXX Bankruptcy. This account was paid in full as of XX/XX/year>, yet the company is reporting " Debt discharged in bankruptcy/Never late ''. 
This account should state that the account is Paid In Full/Never Late. 

I have an account with Chase JP Morgan that is no longer open. 
This account was closed in XX/XX/year> when I filed XXXX XXXX Bankruptcy. This account was paid in full as of XX/XX/year>. The bankruptcy was filed XX/XX/year>. Chase has corrected this information on XXXX only. This account is Paid In Full/Never Late. 

Both of these accounts are reporting as Negative on my credit report. Both of these accounts were paid in full, and their reporting is inaccurate. Neither of these accounts were included in the XXXX  XXXX Bankruptcy court filing. They are not listed on the court documents. There is no debt to pay or be discharged. This almost seems fraudulent on their end to claim writing off debt that did not exist.
Consumer complaint received 2019-06-12
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. (RI)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX , XXXX/XXXX XXXX
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC. (TX)

Nothing happened they confirmed everything and said it was updated and confirmed. I need help because iv already been apart of stolen identity. I feel it is because of XXXX XXXX and XXXX! I have been experiencing these problems because of them! What came I do? Also All three bureaus blames everyone else! Why?????