davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-06
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: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-19
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$25000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance {$25000.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2019-01-25
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AES/PHEAA (PA)

A payment that was made on XX/XX/2019 was returned due to insufficient funds. I called AES after I realized that there wouldn't be enough funds to cover the outstanding balance and assured the representative on the phone that the entire outstanding balance due would be paid in full by XX/XX/2019. A few days after this, AES sent letters that said they were going to garnish wages, report the delinquency to the credit bureaus and force the account over to the guarantor. All of this after I had given them an exact date of when it would be paid. 

I don't appreciate the constant threats from AES and there are a group of other people who feel the same way. My attorney is currently reviewing this because I feel this falls into the category of criminal behavior.
Consumer complaint received 2019-07-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (MO)

I have disputed this bill over and over many times. The credit bureaus takes the bill off and put it right back on with difference collections agencies trying to collect for this bill. I have included the dates of the reports to prove them putting this collection back and forth, I need them to stop taking the bill off and putting the bill back on my credit report. 

This is harming me and messing up my credit along the way. Please stop them from putting this on my credit again and charging me more money. Please keep this bill off of my credit and removed it. They skip months of putting this bill on my credit and then after 3 months they come right back and put it on my credit with different companies. Now on the XXXX credit bureau report ; it is stated that this Source Receivable MNG stated that they open this account in XXXX but on my XXXX credit bureau report shows I do not have any collections. 
This is yet harming me.
Consumer complaint received 2019-07-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

XXXX - Called to verify debt. They asked for SSN, Birthday. It's an collection company. The original debt is through Capital One. XXXX XXXX XXXX sent a settlment offer on XXXX. When I called Capital One today, they stated that XXXX XXXX XXXX does not own this debt and never has ; in fact, XXXX XXXX XXXX owns this account. XXXX XXXX still tried to collect on a debt they do not owe, can not verify, and Capital One states they do not own. XXXX XXXX Inc is committing fraud.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 2019-09-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kimball, Tirey & St. John LLP (CA)

On XX/XX/XXXX a civil judgment was entered against me by Kimball Tirey and St. John. Since the filing I have contacted the law firm in an attempt to resolve the matter and spoken to XXXX XXXX and her manager XXXX. However my attempts have been unsuccessful. Kimball Tirey and St. John is now disguising my civil judgment as a collection account in order to bypass the National Consument Assistance Plan that has been in place since XX/XX/XXXX. Furthermore the party has now reported this to XXXX as a collection account and the civil judgment is currently reflecting negatively on my credit report.
Consumer complaint received 2019-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I asked Transunion, XXXX, XXXX to validate and delete this inaccurate information and the information was never sent to me and this negative inaccurate information is impacting my credit scores i asked for this XX/XX/2018 for the public record bankruptcy and a closed credit card account and inquiries to be deleted. Because of inaccuracies.
Consumer complaint received 2018-09-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (CO)

I FOUND A DEBT OWED TO XXXX XXXX ON MY CREDIT REPORT. I WAS NEVER NOTIFIED OF THE DEBT AND THE AMOUNT IS WRONG. I CALLED AND WAS GOING TO SETTLE THE ACCOUNT BUT IT SAID I OWED FOR EQUIPMENT WHICH I PERSONALLY TOOK BACK TO THE LOCATION ON XXXX XXXX IN XXXX OK. THE DEBT HAS NOW BEEN SOLD TO ANOTHER COLLECTION AGENCY IC SYSTEMS AND I WAS GOING TO PAY THE ACTUAL BILL BUT THEY REFUSED TO TAKE OFF THE {$120.00} EQUIPMENT CHARGE. I THEN CALLED XXXX XXXX AND THEY CONFIRMED RETURNED EQUIPMENT AND BALANCE OWED IS XXXX I TALKED TO XXXX AND THEN XXXX IN BILLING WHO REQUESTED A FORM TO CONFIRM THIS.
Consumer complaint received 2019-07-16
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. (NJ)

On XX/XX/2019 I ordered free credit reports through my local consumer affairs advocacy governmental body. I noted a major issue with Experian. Their report has misleading and incorrect information that has been manipulated. 

Note that I have had several lines of credit over a long period of time. I have made adjustments and even the creditor ( s ) ) made adjustments to the amount of the credit made available on the accounts over a number of years. 

However, Experian is reporting the balances which were based upon previous lines of credit. For example, if I had a credit line open, at one point in time, for an amount of {$1200.00} and I had a high balance at that amount equal to {$1200.00}, Experian is reporting this account limit as the current limit amount. However, after the limits of amount of credit have been reduced, Experian is still posting the highest amount of the account, as if the card holder was over the credit limit of the account for the longevity of its active status. When a line of credit it reduced, the charge limitations during that time need to be reflected accurately. Sometimes, I decided to reduce the lines of credit. Sometimes, it was the creditor. This is problematic in determining a " fair usage '' of a credit service. IT IS THE OBLIGATION of the crediting agencies to report the lines of credit independently as they relate to high balances. Experian is reflecting inaccurate information that impacts the consumers, credit scores, insurance rates and other new lines of credit they pursue. This is grossly negligible. They should be fined and forced to correct this practice. Definitely, if the laws were changed that consumers can access and get information about their credit scores daily or weekly, this type of bad practice would not happen. 
Thank You.
Consumer complaint received 2019-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

On XX/XX/XXXX, I noticed that my mortgage with Wells Fargo Home Mortgage was transferred on XXXX and I was not notified, despite the fact that the law states the old and new servicer 's must notify about the transfer of my servicing rights no less than 15 days before the effective date of transfer. 
I called Wells Fargo Home Mortgage and was eventually transferred to a XXXX XXXX at XXXX XXXX  ( Eastern Time ) after I threatened legal recourse. He said XXXX XXXX is the owner of the loan, and it is a common for loans to be service transferred. The terms of the loan will not change and a notification was sent on XX/XX/XXXX, by mail. 
I never received any notification by mail from Wells Fargo Mortgage on the transfer and I have not received anything from the new servicing company " XXXX XXXX XXXX  '' that was mentioned by a Wells Fargo Loan Specialist XXXX ( XXXX ) at XXXX Eastern time. XXXX promised to send another notification by email.
Consumer complaint received 2019-01-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (CA)

This company has been reporting unverified and inaccurate information about me to the credit bureaus. 
I have formally requested a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay them the alleged amount and they have failed to provide such verification ( As per FTC opinion letter from Attorney XXXX XXXX XXXX, they have been made aware that a printout of a bill or itemized document does not constitute verification ). 

In addition, I have formally disputed this derogatory account with this company and they have failed to place the required " notice of dispute '' disclosure within the required 30-day period and did not furnish the credit bureaus with the required disclosure, within the period required by law. I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period and I am now considering small claims action against them for their violations as well as for defamation and negligent enablement of identity fraud.
Consumer complaint received 2020-09-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX
Consumer complaint received 2019-01-25
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. (FL)

First off I would like to thank CFPB for advocating on behalf of the consumer that wants fair justice without taking the credit reporting agency, Equifax in this case to court. I have been a victim of identity theft and fraud for a number of years more recently it hit me hard after my personal identity was used without my consent checking accounts under my name were opened and some of the creditors were being paid minimum payments to continue to use the accounts for a period of time without my knowledge. Until last month I found several more accounts opened and after compliance with Equifax I sent them a copy of the requested police report and identity theft report. They had a recent data breach I was advised by Equifax and clearly by Fraud that I have been a victim. To satisfy our law makers Equifax offers a year of low quality credit monitoring and dispute representation from Equifax staff that are not even familiar with FCRA and any of the identity theft laws. Are these the people that are handling disputes for the American people? Since I have sent complaints about Equifax in the past, XXXX XXXX needs to probably probe Equifax about not complying with blocking fraud accounts they have helped to create and applaud XXXX  and XXXX  for staying in compliance.
Consumer complaint received 2019-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

on XX/XX/XXXX select portfolio servicing put my home on auction even though i have been trying to pay them for a year! they said i needed a modification, which i did not, and they stopped accepting payments! then they said they never recieved my paperwork even though i had tracking numbers etc. now my home has been sold even though i filed ch XXXX in a timely fashion. Also they said i owed at least 3 times what the missed payments were making it impossible for me to redeem my property.NOW they have not recieved my cash for keys agreement, despite my having a tracking number proving otherwise, ,now they say the offer is expired.They stole my home and wont even honor their agreement! when i called today to ask about it, the man said '' let me see, thats step # 7 ''., he then told me he was reading of a cheat sheet and that all his answers were pre scripted!!!! when ever i requested records from them i never recieved them, except for my signature on a loan doc which i did not sign.it was dated XX/XX/XXXX, i know for a fact i did not sign any docs that day because that is the EXACT day my grandson died and I know exactly what I was doing that day and it wasnt signing docs!
Consumer complaint received 2020-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2019-01-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This company has been reporting unverified and inaccurate information about me to the credit bureaus. 
I have formally requested a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay them the alleged amount and they have failed to provide such verification ( As per FTC opinion letter from Attorney XXXX XXXX XXXX, they have been made aware that a printout of a bill or itemized document does not constitute verification ). 

In addition, I have formally disputed this derogatory account with this company and they have failed to place the required " notice of dispute '' disclosure within the required 30-day period and did not furnish the credit bureaus with the required disclosure, within the period required by law. I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period and I am now considering small claims action against them for their violations as well as for defamation and negligent enablement of identity fraud.
Consumer complaint received 2019-04-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

XX/XX/19 I went to court and XXXX XXXX offered me an settlement to pay off {$840.00} the offer was {$420.00} I agreeded and paid it in cash in front of the courts and judge. It is now XX/XX/XXXX and this is still on my credit reports XXXX, XXXX, XXXX. It's not fair that it has not been clearded.
Consumer complaint received 2019-01-19
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. (TX)

I have written a request to Transunion Credit Reporting sgency, requesting for unauthorized inquiries to be removed from my credit file. As of today, my reguqest has not been granted. The listed inquiries are all unauthorized and shall be removed.
Consumer complaint received 2019-11-13
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. (IA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.
Consumer complaint received 2019-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (OH)

There was a wire fee of {$15.00}. They shouldn't charge this when I did not get the incoming wire at a proper time. I have done wires at other banks that are much smaller and got the wire on time. 

It's unacceptable that Chase gave it to me so late. I needed to send the money. 

Not to mention when I called the local branch, they were not nice and basically gave me zero information even though they wasted many minutes of my time.
Consumer complaint received 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.
Consumer complaint received 2023-10-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

I had 3 different hotel transactions done on my cash card with my cash card locked and I keep my card locked at all times that way no one can put transactions through on my card and I did not make the three transactions and don't get how I have my card locked and disabled at all times to keep stuff like this happening and no merchant could of done the 3 transactions that were made on my card due to my card being locked and disabled and the only way they could have happened is if they were taking straight from my account with my account number and routing number and I don't know my account number or routing number let alone for someone else to have it and be able to make transactions on my account
Consumer complaint received 2024-03-06
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: EQUIFAX, INC. (FL)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (AL)

My XXXX XXXX XXXX father was the victim of fraud in Cashapp and transferred {$7300.00} to scammers in the month of XXXX 2023. I contacted customer support. The representative who identified herself as XXXX refused to even file an internal complaint for escalation or terminate the account of the thief that stole the money. The company clearly has no protections to prevent senior financial exploitation.
Consumer complaint received 2019-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NY)

This is not the first time that I have an issue with Citibank 's dispute department. Every time I call, it seems that nobody knows what's going on. They tell me that they are making a note in the system that whomever picks up afterwards can't see. 

I contacted Citibank at some point in midXX/XX/XXXX about a XXXX transaction that I had cancelled because the recipient couldn't withdraw the funds. XXXX was very fast in answering my emails about the whereabouts of the funds. They informed me that the transaction was successfully cancelled and that the funds were credited back to my debit card in the amount of {$150.00}. They sent me an email with the date, amount, transaction ID number, card number where the funds were refunded. All this information was provided to Citibank along with a signed explanation of what happened. This was a form that Citibank mailed to me on XX/XX/XXXX. I mailed it back to them on XX/XX/XXXX. They told me that after receiving this letter, they would consider a temporary credit until the dispute was resolved. They acknowledged that they received the letter in XX/XX/XXXX and asked me to follow up after XX/XX/XXXX.