davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-04
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. (FL)

On XX/XX/2021 I sent a letter to equifax for validation of debt until this debt I never received a response. The letter was notarized and I have a copy of my Id and social as well. I the. Reached out to your company. Surprisingly, the agency mentioned there was unauthorized third party. NOT TRUE, this is clearly a stall tactic by agency. They have not validated this debt and its illegal for them to continue reporting this account Im requesting deletion. Im resubmitting this after calling the customer service department of the cfpb
Consumer complaint received 2018-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BBVA FINANCIAL CORPORATION (TX)

I have been trying to use BBVA Compass mobile application and online web many times this month and I'm not able to login neither contact support to fix the login issue, every time exercise all of their options never worked, I have sent a letter of making reduce payments because I lost my job several months ago and now working at a reduced wage at another job ; since then their mobile banking won't take login information neither ways to successfully reset the login information it always says service temporarily unavailable for several months, same happens on the computer just says you have been " signoff '' and it don't give you access to any resource to " re-establish '' the login information. Several months ago visited a local branch here in XXXX ( XXXX one ) and their representative installed the app on my cell phone but did not want to use my regular email I use for all other accounts she wanted a special separate email for the BBVA Compass app, told me the account was not longer active and they were just taking payments. 
Obviously BBVA Compass does not want to work with me in any way, so I want your help to close this account permanently and just continue making payments to the account and I can't commit a fixed amount to this account since I have more important accounts to take care of, so don't want/like waste my time with BBVA Compass, just not worth the time spent with them. I want to continue making payments as I can.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It says I was late or bankrupt but I can't find any proof of that.You know those cases, Sarver v. Experian Information Solutions ( 2014 ) and Adams v. National Engineering Service Corp. ( 2006 )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? 
This is inaccurate and erroneous data on my profile. Please correct ASAP!!!! 

un-authorized inquiries 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 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 2019-04-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: F&M Capital LLC (CA)

A person called my x-father-in-law 's home several times looking for me. They left a message on his home phone stating that it was very important that they speak with me and would he give me the message. They said they were calling from " XXXX XXXXXXXX XXXX '' and to call them back at XXXX. They also left a number, an account number maybe, of XXXX. The person who left the message was very bad English and it was difficult to get this information. Please note that I have never given my x-father-in-laws name or number to anyone as a reference so they had to look me up online to see people associated with me in my lifetime. I called on the weekend with no-answer. I just called again and the person who answered the phone didn't even give the name of the company, I had to ask him for it. The way that he answered the phone and conducted himself was very suspicious ; not like a legitimate company. 
He said it was XXXX XXXXXXXX. Then I asked him who was XXXX XXXXXXXX and he said it's a compliance company. Then I asked what kind of company it was and he said it was a legal firm and that one of their legal representatives must have tried to contact me. He did have my date of birth on record and didn't ask for my social security number - I wouldn't have given it to them anyway. He then said he would get someone to speak with me and left me on hold for quite some time so since I'm at work, I hung up. I see online that many people have been contacted by an F & M Capital and they have used abusive language and/or tried to collect what appears to be fraudulent funds from individuals. I think may be linked to a previous complaint of mine to CFPB for XXXX who stopped calling me after you got involved. If this company says that they are attempting to collect on behalf of XXXX XXXX XXXX, who I placed with a debt settlement company several years ago, that is a lie because I've contact XXXX twice and they are not collecting anything from me, do not know who these other people are and do not care.
Consumer complaint received 2018-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CNG FINANCIAL CORPORATION (OH)

On XX/XX/2018 my employer notified me via email that there was a data breech and all employees W-2 's were stolen, and that we should be aware and monitoring our credit. On XX/XX/2018 there was a hard injury made from Axcess Financial in XXXX, OH. I immediately froze my credit and contacted Axcess Financial to notify them that I did not make this injury and it was fraudulent. They requested I fill out a report and send several supporting documents. I completed their requested documents and mailed them via certified mail on on XX/XX/2018. The certified mail was delivered and signed for at Axcess Financial on XX/XX/2018 at XXXX. Axcess Financial has continued to ask me to mail the same documents because they've said they've never received them. I repeatedly advised them that I mailed the documents via certified mail and they still have not been able to find them. They have most recently ( XX/XX/18 ) sent another email telling me they will be closing my case/fraud complaint due to the fact that I have not provided them with the requested documents. I again told them I mailed it certified mail and it was signed for on the above mentioned date. They have requested the tracking number for the certified letter, which I have declined to give because I've already given them the time and date the letter was delivered to their agency.
Consumer complaint received 2023-01-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

On XX/XX/23, I paid my mortgage by phone as I do every month. I got paid that following Wednesday the XXXX. When I needed to access my money, my debit card was denied. I didn't know how this could happen since I had just gotten paid. I checked my account on line and I was over {$1000.00} in the red. I scrolled down and found that my Citizens Bank Mortgage had withdrawn my mortgage payment 2x 's on the same day. I contacted the mortgage company on the XXXX, to let them know their error and they told me to email them a copy of my bank account, which I did. It showed their double payment. They said they were going to investigate and if they found their error in their system it would take 9-10 days for me to get my refund. I told them I couldn't wait 10 days, I couldn't pay my bills, I had bills coming out of my account and for each bill they gave me an overdraft fee of {$35.00} and a sustained overdraft fee of {$30.00}. Now totaling over {$200.00}. I contacted the XXXX XXXX XXXX and filed a complaint and within 2 days a man from Citizens Bank Corporate called me and told me he was my advocate. He was going to make sure I got my money back in 2 days. It never happened. He gave me his email address so I've been asking the status 2 times a day and no reply. This has been since Monday the XXXX. Today is the XXXX and still no reply. I have not gotten any money back. The bank manager in XXXX XXXX said she was going to cancel all of my overdraft fees, that never happened. I'm still {$650.00} in the red. I don't know what else to do, they are saying they will give me my money back, but they're not doing it. I won't be able to pay my XXXX mortgage, so I asked if they would wave it for the month. The corporate guy, XXXX XXXX said he would bring it up, but he doubts they will forfeit a month, yet they haven't done anything to reverse this. My credit score has been affected, I'm not able to put food on my families table, I have no money to shop and at this point in my life, I'm XXXX my husband is XXXX and I have a XXXX XXXX XXXX daughter with cerebral palsy that I am her sole provider and caretaker. All of my bills are past due, I can't even pay my gas bill and soon they will shut me off. They took {$2200.00} two times. Please help me.
Consumer complaint received 2023-01-27
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. (FL)

Experian has violated my rights as a consumer for the second time. I had informed them that I never gave them permission to furnish an account on the credit report and that it was fraud. I had provided them with an FTC report in regards to this as well as a complaint with the consumer financial protection bureaus. In Experian previous response they had agreed to remove the account from my credit report but then added the account back to my report. This has continuously ruined my reputation and has caused major stress towards my life.
Consumer complaint received 2023-10-05
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: First Texas Auto Credit, Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Texas XXXX repossessed my vehicle after only being 20 days late due to unexpected expenses. I reached out to the lender and I was told the vehicle was going to auction and there was nothing they could. They did not reach out to me or any of my 5 references that they demanded I provided. Came and picked up vehicle on the middle of the night and refuse to reinstate it.
Consumer complaint received 2023-03-16
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: EQUIFAX, INC. (DC)

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 2020-06-06
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I DO NOT UNDERSTAND?? I DID NOT REQUEST A BLOCK. I REQUESTED THE XXXX LICENSE AND WRITTEN SIGNATURE PROVIDED TO OPEN THIS ACCOUNT FROM THE CREDITOR USAA. XXXX  has been notified this is Not my account previouly NEVER FIXING PROBLEM. I Requested Written Documentaion to CONFIRM & VERIFY MY IDENINITY AUTHORIZING OPENING. See attatched XX/XX/2020 XXXX  Notice CONFIRMING JUST NOW BEGINNING AN INVESTIGATION. XXXX  has done this at least 3 times on the CFPB WEB previouly. see all other complaints. I DID NOT OPEN THIS ACCOUNT.
Consumer complaint received 2022-12-29
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (MN)

In the summer of XXXX, I closed a safe deposit box I had with Wells Fargo at their XXXX XXXX XXXX, MN branch. I returned the key to them and they assured me the box would be closed from my account. After noticing they had not closed the account and were continuing to charge me for the account, I took several steps with Wells Fargo to close the account : * I visited another branch of Wells Fargo XXXX XXXX, MN ) to close the account. They took my information and assured me it would be closed. 
* I called on XX/XX/XXXX and a customer service representative assured me it would be closed * I called again on XX/XX/XXXX and the customer service representative told me it could not be closed over the phone, and I would have to visit a branch. I told her that I had attempted to close the account at a branch on two separate occasions, yet she told me there was nothing she could do.

After four separate attempts at closing the account, I am concerned that Wells Fargo is fraudulently keeping my account open and is unwilling to close my account.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I am submitting this CFPB complaint to request that the Credit Bureaus to remove the erroneous accounts off of my Credit FIle in accordance with the Fair Credit Reporting Act. It has been a battle going through all this and I am submitting this CFPB Complaint to request that the Credit Bureaus cease the reporting of the erroneous accounts off of my Credit File. I am not satisfied that enough was done to truly contact the creditors/agencies that are reporting this information on my report and because of this I am now asking you for more information regarding these particular items in question : 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}. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (RI)

In XX/XX/XXXX I received a notice from XXXX that a request to change my address was initiated and I needed to verify that this was accurate. I contacted XXXX and indicated I didn't apply for a change of addressed and filed a report. XXXX XXXX XXXX XXXX XXXX XXXXXXXX I XXXX a notice from XXXX XXXX XXXX  that my account was being closed due to delinquent payments. I contacted XXXX XXXX and notified them that I never had a XXXX XXXX account and filed a fraud claim. This situation is currently being investigated by XXXX XXXX. On XX/XX/XXXX I received a notice from Citi bank that they were closing my account due to non payment. I contacted their fraud department and indicated that I never opened an account and this is currently being investigated by Citi bank. 
As a result of these fraudulent activities I opened an account with XXXX to check my credit history and current status and found that both the XXXX XXXX account and the Citi Bank were listed on my credit report as being closed and delinquent with sums totaling over {$32000.00}. and my XXXX XXXX dropped to XXXX from XXXX. XXXX is currently investigating the fraud claims with XXXX XXXX and Citi bank.
Consumer complaint received 2020-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX 60DAY LATE FOR XX/XX/2018 THIS COMPANY FAILED TO VALIDATE THE 60 DAY. THIS 60 DAY LATE IS UNVERIFABLE.
Consumer complaint received 2020-09-15
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: Experian Information Solutions Inc. (WY)

My Experian credit report is showing a hard inquiry from XXXX XXXX XXXX XXXX XXXX in XXXX XXXX on XX/XX/2020. 

I am unaware of this entity or why they would be inquiring about my credit information.
Consumer complaint received 2023-01-27
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. (WI)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-12-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY (MA)

AMERICAN EXPRESS XXXX  XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX. 
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days.  I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX
Consumer complaint received 2021-02-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: URS Holding, LLC (TX)

On XX/XX/2021 I was awakened at XXXX XXXX to a recording by a message left by XXXX XXXX at XXXX XXXX central time stating that he was an attorney and he was going to sue me. 
I checked with the state bar association and found out XXXX XXXX is not an Attorney it appears that he is merley a debt collector with Altran Financial When I was checking my credit reports which I often do I discovered that Altran Financial pulled my credit report without my permission that in itself Is a violation. When I contacted Altran Financial regarding this matter The representatives who answered hollered at me using offensive racial Slurs. Also they contacted me on my cell phone which is a violation of The Telephone Consumer Protection Act.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX