davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have asked for signed contracts that show my signature validating my XXXX debt. Transunion and XXXX have not been able to do so but continue to report it on my credit report. I want to see a signed contract or please delete.
Consumer complaint received 2022-07-26
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)

In accordance with the Fair Credit Reporting act XXXX Account # 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 Account Number Date Opened Last Activity Original Creditor Status Type High Balance Unpaid Balance Highest Adverse Rating Most Recent Adverse Rating XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Open Individual {$4800.00} {$4800.00} Collection/Charge-off Comments Collection/Charge-off Placed For Collection Account Number Date Opened Last Activity Original Creditor XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Status Open Type Individual High Balance {$840.00} Unpaid Balance {$840.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Placed For Collection Collection Agency XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Collection/Charge-off Account Number XXXX Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor XXXX XXXX XXXX XXXX XXXXS Status Open Type Individual High Balance {$2000.00} Unpaid Balance {$2000.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating No Data Available Comments Consumer Disputes This Account Information, Medical Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Account Number XXXX Account Status Open Date Last Activity Type XXXX XXXX XXXX XX/XX/XXXX Days Late Month 's Reviewed Term Source Type High Balance High Credit XXXX Open XX/XX/XXXX XXXX XXXX Credit Card Individual XXXX XXXX Provided {$590.00} {$590.00} Creditor Information XXXX po box XXXX XXXX, XXXX XXXXXXXX In accordance with the Fair Credit Reporting act XXXX Account # 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 2022-07-26
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: Atlanticus Services Corporation (CT)

I had previously filed a complaint on Fortivia to the CFPB your file # XXXX. The company that they are providing financing for XXXX XXXX XXXX, their client did work without licenses, inspections or permits. They are aware that the contract that they are trying to collect on is void. I contacted them on XXXX XXXX letter. Fortivia has failed to remove this amount from my credit and close the account They were notified last year that the card was opened under fraudulent conditions and fortivia has refused to do their due dilligence to relive me from this debt.Fortivia and XXXX XXXX XXXX  are being investigated by State of Ct Dept of Attorney General XXXX
Consumer complaint received 2022-07-26
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: EQUIFAX, INC. (AZ)

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
Previous Address ( es ) : 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
Consumer complaint received 2023-03-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (CA)

I spoke to them XX/XX/XXXX about not receiving statements. They never mentioned being past due. Until I talked to them XX/XX/XXXX again because again I had not received statements
Consumer complaint received 2022-07-26
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: WELLS FARGO & COMPANY (CA)

On XX/XX/2022 I was on line with Wells Fargo through my online account. They advertised balance transfers at 0 % for 18 months. I transferred {$11000.00} on XX/XX/XXXX. When I received my credit card statement the interest rate was 25.49 %. See attached.
Consumer complaint received 2022-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (GA)

I have been actively speaking with people for over two years trying to resolve this issue I have Recently spoken with XXXX in the fraud department for XXXX because I have sent in FTC reports, as well as police reports proving these accounts are fraudulent and I have yet to get a fair resolution it has been well over 90 days since i have spoken with XXXX and all of these accounts have inaccurate information, its unverifiable, and they are also violating 15 U.S. code 1692g ( 4 ) validation of debt ; 15 U.S. code 1681 ( b ) they are violating plenty of my consumer rights. XXXX and XXXX have worked quickly to remove the accounts, only XXXX have not removed the fraudulent accounts.
Consumer complaint received 2021-07-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Winklevoss Exchange LLC ()

I signed up to Gemini ( Gemini Trust Company LLC, XXXX XXXX XXXXXX/XX/XXXXl XXXX XXXX XXXX, New York XXXX United States ) on XXXX XX/XX/2020. I used the service successfully until XXXX XX/XX/XXXX. 

I discovered that my account was froze n on XX/XX/XXXX. I submitted a support ticket the same day. Gemini contacted me on XX/XX/XXXX to advise that my account was being reviewed by their compliance team. On XX/XX/XXXX, I receive an email appearing to suggest that the iss ue, from their point of view, has been resolved. However, from my point of view, it is not resolved : the account is still frozen. How I have been affected? 

I have XXXX GBP in my Gemini account. I am unable to withdraw it.
Consumer complaint received 2022-07-26
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. (TN)

Dear CFPB, thank you for addressing my concerns. I have tried my best to correct errors on my credit report, through certified mails, they say they have done one thing, yet they are doing the opposite. Everything they are doing is not in conjunction with one another reports when they say they verified. For example XXXX stated they verified accounts of my student loans the same time that TransUnion verified. TransUnion deleted all of those accounts, at least they sent me proof, I checked today and they are still present on my report ( proof will be attached that they said they deleted ). XXXX stated they verified the accounts are correct, I sent them proof of TransUnion results, they still have not deleted and therefore by one verifying and deleting, that makes the other dishonest. Also, I provided a Hippa Violation of a Collection agency that sent me information on my treatment without a HIPPA release attached, direct HIPPA violation, I sent to both, nether have remove. Please can you seek corrections of these credit reporting agencies, they are destroying my life. My credit report was a XXXX, XXXX and with the same items, every payment of mines paid on time, nothing late, and now I was just dropped XXXX points today, but before then even more cause my score is now a XXXX, a total destruction of me accomplishing anything. It time to pursue other actions against these reporting Bureaus so for starters again, I am coming to your organization for help. Some of the documented proof is attached, so very much, wanted to send something to have as a reference.These credit reporting agencies sadly to say is targeting certain cultures to ensure they accomplish nothing. I have perfect paying records and according to what they are reporting with the scores they say the computers are giving is as if I pay nothing on time, all my Credit cards are on time, my car payments, my student loans has never been late and is current. Thank you for your time.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Collection verification letter response to your recent claim that the account ( s ) listed below have been verified and that the information they are reporting under my name is accurate. 
( 1 ) XXXX XXXXXXXX with account number XXXX | ( 2 ) XXXX XXXX with account number XXXX XXXXSee attached document
Consumer complaint received 2015-06-09
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (PA)

I called Ocwen today to ask them for a HAMP modification. I spoke to XXXX, agent ID # XXXX who told me that I did not qualify because of the delinquency. I disagreed with him because according to the government guidelines, the unpaid balance has to be less than {$720000.00}, the loan has to have originated before XXXX 2009, the property has to have not been condemned, it has to be my primary residence - at risk, and imminent default, have experienced a financial hardship and be able to show a pay stub and tax return, and not convicted of a felony within the last 10yrs. I stated that I meet all of the criteria specified by the government but was still told I do n't qualify because of the delinquency. I stated that my delinquency is still less than {$720000.00}. I was told that I still did not qualify and that the modifications are account specific and that I should not get my hopes up. I requested a modification package and was refused and was told that I had to pay my loan in full.
Consumer complaint received 2023-03-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

" There should be no monthly payment on an this disputed XXXX XXXX XXXX account if payments are not being made nor if the account is closed or charged off ; DELETE immedately ''
Consumer complaint received 2023-03-09
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-26
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. (AZ)

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX BANK 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-26
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. (CA)

Someone has illegally obtained my personal information and has been trying to gain access to credit, I now have several accounts and inquiries that were fraudulent done without my consent and now reporting to my credit report on all 3 major reporting credit bureaus these inquiries have significantly dropped my score and negatively affecting my putting me in a financial hardship they need to be deleted as they were not authorized and illegal without my consent
Consumer complaint received 2020-07-30
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. (NY)

I made a Payment Plan with XXXX XXXX  Collections Department because the account was closed and I wanted to pay me debt off. I am really grateful that they gave me credit. We made an agreement that I would pay {$260.00} every month for 31 months and my debt would be complete and I wouldn't owe any money. They also said that no extra charges including past due balance or interest would be added as long I was still enrolled with the Payment Plan. Today I got an email from the credit bureau saying that there was a change with my XXXX XXXX XXXX Account. I checked and they added {$200.00} to the amount past due balance. Please help me. Thank you and have a great day.
Consumer complaint received 2018-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (FL)

I am in the process of buying a new home. I just pulled my credit report and discovered that someone has been using my name and personal information to open up accounts and do do business in my name. The following addresses are not mine below I need them deleted immediately! XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX  XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX - XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX I am in the process of filing a full FTC ID theft report as soon as I get the rest of my reports. My name is XXXX XXXX XXXX, please remove any other variations of my name. My current employer is XXXX please remove any other employer. My Current and only address is XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX I have already attached the proper documentation for proof of my ID and address.
Consumer complaint received 2018-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX reported a hard inquiry on my TransUnion report. Someone may be using my info to open a credit card. Will you look into it for me? It may be XXXX. Thank you. XXXX! XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (UNITED STATES MINOR OUTLYING ISLANDS)

1. Trying to make a principal only payment on my loan 2. The bank informed me that my payment will be applied to interest first and then to principal.

3. The bank will not process my additional payment as principal only.

4. Bank refuses to accept principal only payments.

5. XXXX XXXX & Santander Consumer USA.
Consumer complaint received 2021-07-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (NE)

On XX/XX/2021 I sent ADS/COMENITY/VICTORIA a cease and desist stating to stop all illegal activity and stating my demands one being to send an audit trail so I can dispute the validity of this consumer credit transaction. I have yet to receive any correspondence from ADS/COMENITY/VICTORIA as the consumer and natural person when I exercise my right to validate an alleged debt the debt collector shall let it be known that they have received said correspondence and that they are or have investigated pursuant to 15 USC 1692g my rights to validate the debt has been violated. I have attached proof in EXHIBITS A and B of green receipt. I also have attached original correspondence as well Exhibit C. I also have attached debt validation.
Consumer complaint received 2022-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Good afternoon Capital One, I applied for the XXXX loan and was award in XXXX and XXXX. I called my bank before receiving the bank to see if it would be affect by the loan. He advice a business acct because i don't have a branch bank in my area. Everything was fine, I did payroll transfer and they tell me to call. They said they were doing an investigation. I send in tax returns, and docs showing my business was registered with the state of Georgia. I never received a response bank, i called a lady and she said they had a third party and they said that my biasness did not deserve the loan. This has been going on for a whole year. The loan went into default and that I will be penalized. I will not be able to file for any type of government assistance. I hired a lawyer and they have not respond to my lawyer. They don't know what is going on. 

***As I have reached out to XXXX XXXX XXXX to inquire about my XXXX that was awarded to my business that is a sole proprietor that I established in XXXX and turned into the a XXXX after revenue increased in XX/XX/XXXX. I did file taxes for my XXXX XXXX business in XXXX and XXXX so I don't know where your records are coming from as I stated before all business docs ( bank statements and tax records and contracts ) was sent and reviewed by lender which is XXXX XXXX  and XXXX and everything was approved by them that why I, XXXX XXXX signed a promissory note that was also signed and agreed by XXXX XXXX and XXXX. As I stated before this has been a long stressful year dealing with you guys especially being that Capital One is not my lender I have reached out to everyone to FDIC, OCC, XXXX  XXXX XXXX and XXXX and as well as XXXX XXXX. There was no fraud found on either of my business and have not been any communication sent to the lender nor XXXX on my loan being fraud. XXXX XXXX does not do XXXX XXXX Letters and did not received an communications with the XXXX weeks timeframe on the disbursement of my XXXX that was sent out as a sole proprietor. I need the funds to released for XXXX from XXXX XXXX.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

My personal information was breached and is in a autosystem that runs credit and several credit card and hard inquries was made without my acknowledgement, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A. (MI)

XXXX XXXX reported a hard inquiry on my XXXX report. Someone may be using my info to open a credit card. Will you look into it for me? It may be Sears. Thank you. XXXX! XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-26
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. (NM)

In accordance to the Fair Credit Reporting act, these accounts have violated my rights XXXX XXXX XXXX Date Last Active is inaccurate XXXXXXXX XXXX XXXX Date Last Active is inaccurate XXXX XXXX XXXX Date Last Active is inaccurate 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 an account without my written instructions
Consumer complaint received 2018-08-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Midwest Recovery Systems (TX)

I am emailing you so you can please have the company take this off my credit report it is still reporting on the XXXX  file, I just had this deleted from the XXXX report XXXX-18 and they found out it was open fraudulently the company is XXXX address mid wst recoverXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mo XXXX tel # XXXX, this is showing up for amount XXXX which is not my debt, please have them remove as soon as possible, I have call and nothing have been done. I thank you in advanced to get this taken care of.