davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-18
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (VA)

Lakeview notified me they were transferring my mortgage to a subservicer of Lakeview effective the XXXX of XX/XX/2022. My Lakeview loan ( XXXX ) was reported to the credit reporting agency that I closed the loan. They created a new loan ( XXXX ) at XXXX XXXX the subservicer that has not been reported on my credit report yet. My credit is destroyed my credit score dropped XXXX points in XXXX and I am currently unable to get a loan because of this. XXXX XXXX is the only one that I have been able to contact and they are trying to tell me that this is how the process works. I did not close my loan and open a new one. Please let me know if this is how a transfer is suppose to be done and if they are allowed to trash your credit.
Consumer complaint received 2022-05-03
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: SUN LOAN COMPANY INC. (NV)

In accordance with the fair credit reporting act a XXXX  account, has violated my rights. 

15USC 1681 Section 602 : States I have the right to privacy.

15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 purpose.
Consumer complaint received 2015-10-29
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Paypal Holdings, Inc (FL)

Pay pal credit says I owe them money and turned it over to a collector. I do not have a pay pal credit card nor did I ever sign up for XXXX. The debt collector they hired has been calling me and my wife every day for the past 8 months. Tired of the phone ringing! I talked to them XXXX time before and told them to stop calling me.
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX NO XXXX Balance {$250.00} XXXX CO XXXX Balance {$0.00}
Consumer complaint received 2020-12-14
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nationwide Recovery Systems, Ltd (MO)

Hello to whom this may concern, I want to file the following complaint : I started receiving calls from an unknown number that said it was spam in XXXX, my phone auto-rejects spam calls, however this number persisted to call me. I finally answer the call when I notice it's the same exact number that has called various times, upon answering the phone the person tells me they are from " Nationwide Recovery Systems '', I informed them, that I didn't want any calls from them, and that I was sending them a cease and desist letter asking for proof of this debt. I informed the rep that I only wanted correspondence via mail. They continued to try to talk to me, and disregarded my request, so I hung up. I received calls XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. Then XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, and the XXXX of 2020. I didn't receive a collection letter from this company until XX/XX/XXXX. 
I verbally told them XX/XX/XXXX that I would mail the letter mentioned above. I sent the letter XXXX certified, on XX/XX/XXXX I I reminded them a letter was headed there way when they had called and not to call me. they continued to call me the XXXX, XXXX, XXXX, and XXXX anyway ignoring my request. So I told the rep on the XXXX that I previously had said not to call and had sent a letter. He started arguing with me telling me they had never called. I told him I was going to record the call, because at this point they were harassing me, and violating my rights with this aggressive illegal practice. I had to hang up on him, because he was so rude. I asked if the calls were recorded, and he never answered me. The certified letter was received on the XXXX. I am including screenshots of my call log from this agency and the receipt for the certified letter, I sent to request that they communicate via mail.
Consumer complaint received 2020-12-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIBANK, N.A. (NY)

On XX/XX/2020 I opened a Citi Priority checking account after multiple digital and physical mailer offers by CitiBank for a promotion of 50,000 Thank you Points. See attached. 

On XX/XX/2020 I received a letter from CitiBank that my account has been terminated from the Fraud Prevention department. See attached. 

This is the third time CitiBank has closed my account after opening. None of these times have they been able to provide a reason for closure. Fraud is an extremely serious case and the account holder is entitled to an explanation. I am willing to clear any matters related to Fraud. If another has opened an account in my name, then that is illegal and the authorities need to be involved. Nevertheless CitiBank is unwilling to resolve the matter. 

It appears I have been blacklisted by CitiBank for reasons they are unwilling to provide and I am unable to remedy. Furthermore it is highly irresponsible to send an offer to an individual only to recall it afterwards. The monies in the account have lost value and could have been used elsewhere. This has also wasted time and resources of all involved, including the Citibank and CFPB.
Consumer complaint received 2018-04-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: Neon Newco Corporation (KY)

Received an unsolicited prepaid debit card with my name on it from a company called netspend. I do not want this card but if i call the number to opt out it wants my social which i will not give. What dhoukd i do? 

Their address on correspondence is XXXX XXXX XXXX XXXX Texas. One phone number supplied is XXXX They say they got my info from a third part data provider.
Consumer complaint received 2022-05-03
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. (IL)

In accordance with the Fair Credit Reporting act accounts XXXX  XXXX XXXX XXXX, XXXX XXXX has violated my rights and is reporting active and open this debt is a charge off 15 U S C 1681 section 602A states I have privacy rights 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 2020-11-05
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. (CA)

i personally submitted this request to all three credit bureaus. I went to XXXX XXXX in XXXX XXXX to apply for a lease and was denied due to accounts reporting negative on my credit report that are not mine. I saw on my credit report these accounts that are not mine as follows : ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX ). I never opened these accounts, nor did I authorize anyone to do so. These accounts are not mine, and I never possessed any goods, money, or services from these accounts being opened. I filed a police report with the XXXX XXXX Police department, as well as adding a fraud alert to my account.
Consumer complaint received 2018-04-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX is reporting 17 hard inquiries on my credit report, 13 of which were for the purpose of purchasing 2 automobiles. Each purchase was made in XX/XX/XXXX through XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX I went to one dealership for each of these 2 purchases where they submitted our credit report to several different lenders in order to get the best rate. As I understand it, each of these should count as one inquiry only since the inquiries were all made from the same dealerships within 30 days. I spoke with XXXX today ( XX/XX/XXXX ), and they refused to help me.
Consumer complaint received 2022-11-30
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)

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. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX and Dept of EducationXXXX XXXX XXXX  XXXX XXXX XXXX ) and XXXX XXXX XXXX All of the proof of these accounts are provided in the attachments The following 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 a account without my written instructions15 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 2022-05-03
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. (IL)

In accordance with the Fair Credit Reporting act accounts XXXX  XXXX XXXX XXXX, XXXX XXXX has violated my rights and is reporting active and open this debt is a charge off 15 U S C 1681 section 602A states I have privacy rights 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 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account below is still reporting on my Credit Reports and need to correct immediately :
Consumer complaint received 2019-10-06
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: GRANITE STATE MANAGEMENT & RESOURCES (NE)

XXXX XXXX XXXX has harassed us at the phone number XXXX phone/caption call for months and months and 7 days a week 24 hours a day asking for someone who has never lived at this address and we do not know this individual and have told them this and they refuse to stop harassing us over her not repaying her college loan or that is what they are claiming. I have explained that my mom is almost XXXX XXXX and with hearing impairment and I have had XXXX XXXX but they say they will stop calling us and take our number off their list but do stop this continued harrassment and continue to call all hours and wake us up at night and continue to demand to speak to an individual whom we do not know, some refuse to stop calling us. This is totally unprofessional and is harassment. We do not owe any student loans nor do we know the person they continue to call and harass us over.
Consumer complaint received 2023-01-04
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. (CA)

On, or about the month of XXXX XXXX  I received a letter in the mail stating that I applied for a credit card I did not recognize and my name was spelled wrong, XXXX instead of XXXX. Then, on XXXX XXXX XXXX I received an email from Experian stating that my email address was changed, when I never changed it. I tried to login to the account but the password had been changed. I called all three bureaus and put fraud alerts on all bureaus, but the scammer was able to lodge four hard inquiries that damaged my credit score.
Consumer complaint received 2020-12-03
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. (AZ)

I am a victim of identity theft. I applied for a credit card at XXXX  XXXX XXXX on XX/XX/XXXX and was rejected because of three negative accounts ; XXXX  XXXX XXXX opened on XX/XX/XXXX, XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, XXXX  XXXX opened on XX/XX/XXXX, but they do not belong to me and I never approved anyone to open them under my personal information. My personal belongings were stolen from my house on XX/XX/XXXX which included my Driver 's license and Social Security card amongst other personal items. I filed a report with CFPB already along with a police report with the XXXX Police Department and its an ongoing investigations, no arrest have been made yet. I need these accounts removed from my credit report as soon as possible because I am interviewing for a job and Satisfactory Credit history is needed. I never received any goods, money or services from these accounts. I also never authorize any bank to check my credit much less add accounts to it. My identity was stolen and I already contacted all the banks/accounts subject in this Identity Theft. All statements are true and correct without any omission of facts, to the best of my knowledge Please attach the follow documents to my dispute request.
Consumer complaint received 2019-05-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

When deposits hit my account the same day *checks* clear. The bank purposely clears the checks first to charge overdraft. 

Then the reflected balance indicates everything went through. Then 1-2 days later everything goes negative even though I had the funds in my account.
Consumer complaint received 2022-05-03
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: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX Account Number XXXX is only reporting on my Experian credit report. This account does not meet the XXXX XXXX XXXX in that it is only reporting on Experian. e-OSCAR dictates that all three credit reporting agencies meet uniform alignment. 

I have filled numerous disputes of inaccuracies regarding this alleged account with Experian. However, my disputes have not been respected and my information not preserved in an integral way. Furthermore, the systems and laws have also not been respected when it comes to preserving my personal and financial information. In addition, Experian took more than 30 days to investigate and respond to me about this alleged account. When they have, they failed to fix any errors. 

I request CFPB to intercede on my behalf for a speedy resolution because this oversight is affecting me financially, as well as my mental well-being. 

Attached is evidence of the dispute.
Consumer complaint received 2020-01-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX, Transunion and XXXX  are reporting an account with XXXX XXXX XXXX that should have been removed due to the 7 year rule.
Consumer complaint received 2018-04-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: CITIBANK, N.A. (CA)

Last week, my wife was not able to use the Citibank web site to transfer funds from her Citibank savings account to her checking account at XXXX XXXX. She had used this transfer feature of the Citibank web site in XX/XX/2017. However, last week there was a very clear problem with the Citibank Web site. The error message said [ Override me please { setProperty } ].

The Citibank Online Technical support person, XXXX, ignored this message, and instead insisted that the computer my wife was using was not up-to-date enough. His conduct during the discussion was disrespectful and condescending.

Several hours later, my wife received an email message that the problem had been corrected.

The problem most certainly HAD NOT BEEN CORRECTED.

Today I attempted use the same Citibank web site transfer feature to transfer funds from my Citibank checking account to my checking account at XXXX XXXX. The transfer could not be completed. Once again, the error message said [ Override me please { setProperty } ].

I contacted Citibank through their chat feature. The Citibank representative, XXXX, stated that no one had reported this problem with the transfer funds feature of the Citibank web site.
Consumer complaint received 2022-05-03
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)

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.

XXXX XXXX Account # XXXX has violated my rights XXXX  XXXX Accounts # XXXX and # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX  XXXX XXXX Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX Account 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 a 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 adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 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 2022-05-03
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. (FL)

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. 

XXXX XXXX Account # XXXX has violated my rights XXXX XXXXXXXX Accounts # XXXX and # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXXXXXX XXXX Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights XXXX Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX Account 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 a 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 adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 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.