davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

I am writing due to non-compliance with Equifax. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. It has been more than 45 days without a response and I am requesting that the fraudulent item be removed from my reports. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.
Consumer complaint received 2022-03-24
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: ENCORE CAPITAL GROUP INC. (GA)

There is an account on my credit report to Midland Funding for {$500.00}. It stated the arrangement was open on XX/XX/2016. I have no acknowledgment or verified documentation with this company. I have a fraud alert on my account. I am not responsible for this account or aware of this company.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, 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. (CO)

I've tried several times to get my credit report from all of the credit bureaus. However, they then ask me for copies of social security and driver license. I've sent them XXXX different times. Still over XXXX years have not got them. I'm not sure what else to do. I've tried to do it on line but each time denied. I had to report identity theft since 2016. Reported to federal trade commission. Don't know if that has anything to do with it. Would appreciate any help.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2021-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on BEST BUY/CBNA. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2022-03-24
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: U.S. BANCORP (CA)

Thursday, XX/XX/XXXX Received a cashier 's check for {$1900.00} from a buyer of furniture I was selling on XXXX 's XXXX. I was suspicious of the check and attempted to call XXXX. They informed me they don't verify funds. Rather than do a mobile deposit, I drove to my local US Bank branch location. I shared the information with the tellers. They assured me the cashier 's check was legitimate and had the proper watermarks to indicate it was valid. They said it should post the following morning if, in fact, it was a legitimate cashier 's check. 

Friday, XX/XX/XXXX The deposit was posted to my account therefore from the information the tellers provided me the following day, I transferred via XXXX money to the buyer 's movers in the amount of {$1100.00}. Throughout the conversation with the buyer, I began to get an uneasy feeling and called the police. They advised me to file an internet crimes case with the FBI via XXXX and also file a police report. I did both and ceased any further money transactions with the individual. I advised the buyer he could provide an address for me to return the additional {$820.00} because I would no longer send any funds via electronic transfer. He began threatening me with physical harm so I blocked his number. 

Saturday, XX/XX/XXXX I phoned the fraud department of US Bank and advised them of the situation. They took down the information and said they would investigate. 

Tuesday, XX/XX/XXXX Received a letter from US Bank 's Digital Claim Services and was advised my claim was denied. 

Thursday, XX/XX/XXXX Phoned US Bank at XXXX to speak to the Fraud Department as to why my claim was being denied. The representative told me it was my fault I sent the money and there was no fraud since I initiated the money transfer from my own IPS address and had the proper login credentials to access the funds. 
I advised him that this was not in dispute if my transaction occurred. My fraud claim was based on the fact that the tellers at the branch location advised me the cashier 's check was legitimate and this information led me to process the money transfer of {$1100.00}. 
The agent then proceeded to tell me I was in the wrong for not correctly reading my terms of agreement when I opened the account and therefore there was no fraud. I asked to speak to a supervisor. He transferred my back into the phone tree system and my call was dropped.
Consumer complaint received 2022-10-26
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (GA)

When I moved to XXXX XXXX in XX/XX/2021, I obtained a XXXX XXXX XXXX in XXXX. On XXXX I purchased furniture using my card. Note the receipt attached. When I made this purchase, they found another email account that was remarkably similar to my email address. They had mistakenly accredited that address to me. They fixed the mistake, and I bought the furniture. Ever since that day I have not been able to use my credit card at the store. I inquired and they said my account had been closed because of the old account they found with the similar email address. I informed them that I have an account in good standing and over XXXX in available credit. They are now saying that my account was closed because I have not used the account in over a year. However, I have my receipt showing that I purchased furniture from the store on XXXX. This situation is having a negative effect on my credit score in terms of available credit and debt to income ratio as well as the fact that I have a closed account. I have paid my bill and intend to pay this bill off soon. However, I do not want any negative credit that I don't deserve. Please help.
Consumer complaint received 2022-03-24
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. (IL)

Experian is in violation of the FCRA the company knowingly reports the wrong information on my credit profile. Experian has a grave responsibility to report accurately on a consumers profile but they don't, I continuously sent in letter after letter and Experian keeps ignoring my demands as a consumer. XXXX XXXX child support is beginning reported inaccurate because per 15 usc 1681e ( b ) and 15 usc 1681 ( 5 ) this account is in violation not reporting 100 % accurate it list child support as the furnisher that's forgery and misleading when the courts do not report this type of account. XXXX XXXX is a account that's reporting inaccurate as well it is reporting a higher limit then what was issued I only had a {$300.00} dollar limit but its reporting as I had a {$800.00} limit and that's misleading and forgery as well. This has been going on for over a year now and something need to be done
Consumer complaint received 2022-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (FL)

After reviewing my credit report on XX/XX/XXXX I noticed some items that I am not responsible for and I am a victim of Identity theft. The collection is attached below. 
SECURITY CREDIT SERVIC Original creditor : XXXX XXXX XXXX XXXX XXXX details 0 % of this account is paid off Balance on XX/XX/XXXX {$1700.00} Original balance {$1700.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Comments Account information disputed by consumer Statements No Statements Contact info Name SECURITY CREDIT SERVIC Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 

Dispute this account
Consumer complaint received 2021-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

I put in a dispute with Capital One on XX/XX/XXXX for {$1600.00} for a charge with XXXX for a trip from XX/XX/XXXX - XX/XX/XXXX. In the attached letter and statement you will see they said and posted the credit supplely for that amount. If you look at the top of my attached statement, you will see an overage of {$910.00} which means I don't owe them, they owe me. My credit limit is {$4100.00}, but my available credit is only {$2400.00}. That is a difference of {$1600.00}. If they had given me the {$1600.00} where is the difference. Since my credit limit is {$4100.00} then my available credit should also be {$4100.00}. They are saying one thing, but actually doing something else, which is giving false information.
Consumer complaint received 2021-10-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lending Club Corp (NC)

This account is fraudulent in regards that the security interest paid for all obligations. Lending Club continues to communicate with me harassing, oppressing, and abusing me in connection with this debt. Lending Club has continued to send false, deceptive, and misleading representation in connection with the collection of debt created by this account. Lending Club unfair and unconscious practice to collect this debt is causing harm, abuse, and is very deceptive. 
Lending Club continues to infringe on my rights as a consumer by not in good faith upholding their responsibilities. The Fair Debt Collection Practices Act ( FDCPA ) and Truth in Lending Act ( TILA ) responsibility for the debt is in dispute as well as the validity of the debt, or any portion thereof.
Consumer complaint received 2022-03-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Lockhart, Morris & Montgomery Inc. (CA)

This Item showing on my credit report on XXXX such as : LockHart, Morris & Mont XXXX # : XXXX oringinal creditor : XXXX  account type : collection date opened : XX/XX/XXXX oringinal balance {$1500.00} terms : XXXX XXXX payment history delinquent on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX contact information : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Moreover, this account was deleted previously do to class action lawsuit reasons then it was later reinserted under a different balance amount? 
I therefore demand proper documentation of the litigation results to validate or verify this item?
Consumer complaint received 2017-08-22
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. (AL)

I paid off XXXX XXXX XXXX XXXX or XXXX on Equifax ( XXXX XXXX XXXX XXXX XXXX ) and I sent a request for deletion as the company XXXX XXXX advised me to contact Equifax, XXXX and XXXX and none of them have removed this debt COMPLETELY FROM MY FILE. I requested a hardline deletion and XXXX XXXX said that would not be a problem just submit my request with the credit bureaus. I 'm requesting zero collections on my credit reports. Also I have sent several lettters to all three credit bureaus requesting removal of hard inquiries that I did not authorize on my credit reports and they refuse to remove them due to fraudulent activity. I requested Equifax to remove XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, and XXXXXX/XX/XXXX. I requested XXXX to remove XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. I requested XXXX to remove XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX.
Consumer complaint received 2022-05-17
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: Bridgecrest Acceptance Corporation (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpo
se.
Consumer complaint received 2021-10-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MD)

1. I contacted PHH immediately upon XXXX XXXX death, notifying them of the same 2. I requested a modification, completed all the documents 3. For months on following up, I was told the documents were under review and it would be another month or so. 
4. This continued until, I initiated a follow up call and was politely told that they could not discuss this with me as I was not a party to the loan 5. Frustrated at that point, with the loss of XXXX I just because XXXX  and gave up. 
6. In or around XX/XX/XXXX I took another stab at PHH and was directed to the loan solutions center. There again I uploaded all requested documents. 
7. I continued to check the status of my request at the loan solutions site and saw that none of the documents I uploaded had been reviewed. 
8. This prompted my call PHH again around XX/XX/XXXX. It was then and only then was I informed about the process for acquiring ownership interest in the property. They finally noticed me as a successor of interest on XXXX XXXX, XXXX ' I have NEVER been offered a mediation or allowed to speak to anyone as a successor of interest until XX/XX/XXXX XXXX property is scheduled for foreclosure sale on XX/XX/XXXX. 
10. This process has been totally unfair to me, as I have complied with every request from PHH. 
11. Of course after my XXXX communication via phone, very nice lady, gave me information I should have been given during my initial call in XXXX. 
.
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc. (TX)

My electric service contract was ending XXXX. I started looking for a new provider with a better reputation and price. Applied online and they said I had to pay a {$250.00} deposit for each meter. ( 2 ) I have excellent credit. 1 late payment in 20 years. ( XXXX ) XXXX XXXX says XXXX score. But I know they are XXXX to XXXX points lower than than the agency scores. I've lived in this house since XX/XX/XXXX. ALWAYS had utilities. Deposits were returned in XXXX. I've not paid a deposit since. I called that service provider and they stated that Experian says I have NO credit history. I have XXXX store cards and a bank account. I've been with my bank since the XXXX 's. Had those cards for many years. So I start trying to contact Experian. What a joke. You CAN NOT reach these people. Yet they control aspects of your life ( utilities ). I found XXXX 's of complaints about the same thing and about their " Service '' they offer. They set people up for a service, they sell, XXXX, then don't deliver and you can't cancel because they won't answer the phone or won't respond to your emails. This needs to be investigated. They are out of control. I read about a man that had a high score ( other agencies ) a mortgage, utilities, and credit cards. He applied for something thru a company and apparently they checked Experian. They told that company that he had NO CREDIT. These people are playing games with peoples lives. Since when do THEY have the right to do this. XXXX " Experian complaints ''XXXX XXXX, XXXX report, XXXX XXXX and many more.
Consumer complaint received 2022-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (NV)

I recently moved to XXXX XXXXXXXX XXXX from XXXX. I went to US Bank to open an account and showed them my XXXX ID and US passport. They didnt request any other docs and opened my account and gave me a debit card. I deposited all of my funds thinking it would be safe in the bank. On XX/XX/XXXX I went grocery shopping and my debit card was declined. I called the bank and they said they put a hold on it pending verification of my address. The next day I went to a branch and provided them a copy of my lease and they sent it to the corporate office and said it would take one business day to release the hold. Today, XX/XX/XXXX the hold is still not released and nobody from US Bank has contacted me about it. I tried calling customer support but was told their system was down. I have had nothing to eat now for 4 days. My rent is due this week and I will be evicted if I can not pay. I can not get to work without my money. They are ruining my life XXXX XXXX XXXX XXXXXXXX. Please help.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Attached you will find a list of items that I did not consent to. So that would be Idenity Theft, I did not give no one Permission to furnish anything on my Consumer report. And the following Credit Reporting Agencies are also Violating my Right to Privacy, XXXX, XXXX and TRANSUNION.
Consumer complaint received 2022-05-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business " XXXX international for Buy And sell products ) since 2020. My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and XXXX.
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX, must remove ( never had this acct. ) XXXX XXXX XXXX  XXXX. Inaccurate, must remove ( never had this acct. ) XXXX XXXX XXXX XXXX, must remove ( never had this acct. ) XXXX XXXX XXXX XXXX, must remove ( never had this acct. ) XXXX ( XXXX ) XXXX XXXX. Inaccurate, must remove ( never had this acct. ) XXXX XXXX, must remove ( never had this acct. XXXX XXXX XXXX, must remove both acct. ( never had this acct.
Consumer complaint received 2022-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: NAVY FEDERAL CREDIT UNION ()

Navy Federal Credit Union is in direct violation of 15 U.S. Code 1692e false or misleading representations, 15 U.S. Code 1603g the consumer is the creditor, 31 U.S. Code 5118 2 public debt obligation guaranteed by United States to repay. 
NFCU is operating above the law and deliberately interfering with commerce which is causing harm and injury. And using false and misleading practices. When I log into the account online its says this information is not a attempt to collect a debt on the Home Screen. When I click the credit card a new screen opens and it says your one Payment pass due and available credit is {$0.00}. Clearly this is misleading, deceptive and theft, blocking of account credit which should be open end is definitely interfering with commerce All rights are reserved without prejudice.
Consumer complaint received 2022-03-24
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. (GA)

There's a late payment from XXXX from XXXX and and also over 20 inquiries on my report that I don't have any knowledge of ..I 've reached out over a month ago but no response however... I don't comply to using XXXX XXXX at all .... this is the true meaning of malpractice and slander I've been unable to do anything financially please remove this from my account asap