davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NY)

XXXX XXXX for XXXX the XXXX XXXX XXXX. Advised months ago not to call me during work hours as my company will not allow me to speak with them then ( they can call after XXXX, eastern ) so instead, they looked up my previous credit information and started calling my mother 's number daily starting XX/XX/XXXX - XX/XX/XXXX ( who I have not lived with for years ) and then my husband, on XX/XX/18, neither of which is listed as a contact number or a debtor for the account. I spoke with them on XX/XX/18 and made a payment of part of the debt owed, and advised them on the call that I will contact them when I get paid again ( around the XX/XX/XXXX, ) I also asked them to not contact me again during business hours, and asked them to take my husband 's number and my mother 's number off the account, and was told my mother 's number was never on my account to call her, and they did not have another number on file. I received a " unknown '' call today during my work hours at XXXXXXXX eastern. I used to work in debt collection, I know that they can not contact a customer more than 1 time in a 5 or 7 day period in New York State, and this has been within 3 business days. They need to be able to provide the telephone number when calling, and not purposely avoid caller id features. I advised them again not to contact me during business hours on today 's call, and that I just spoke with them saturday. My mother advised me since then that she has received a call again today on XX/XX/18 from them after I advised them not to call her.
Consumer complaint received 2020-01-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank Of America has on my credit report XX/XX/XXXX a hard Inquiries regarding a car loan I never requested no auto loan from Bank Of America on XX/XX/XXXX
Consumer complaint received 2022-06-13
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. (VA)

on the date of XXXX i submitted a dispute to Equifax in reference to the incorrect information that was listed on my consumer report which is hindering me from advancing in my life. I am currently in the process of purchasing a home and due to the incorrect data i am unable to move forward in that process. The most stressful part of it all is that my information was included in the equifax data breach and it seems as though Equifax is unconcern about that fact. The proof shows in the fact that it is nearly 60 days from the date of my initial letter which was sent via usps certified mail which shows the date that my letter was received and thta date was well over the alloted 30 day timeframe. it also gives the impression that my right to dispute the incorrect data on my consumer report was violated. AN investigative consumer report is supposed to be completed as well as not include specific factual information
Consumer complaint received 2022-05-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. You did not proofread the report and did not make sure it was 100 % correct. Here are the details : XXXX XXXX XXXX/ {$360000.00} / XX/XX/2022
Consumer complaint received 2024-02-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

If the necessary steps to rectify this situation aren't taken within 10 days, I'll file a complaint with the FTC. You're legally required to respond within 15 days, and failure to do so constitutes a violation, potentially resulting in fines up to {$1000.00}. I trust you'll promptly comply once you're aware of the issue. Please provide the investigation procedures for the following accounts within 10 days to avoid further action. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-03
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. (MI)

I am XXXX XXXX and I'm sending these complaint by myself and without any third parties involved. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2018-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (TN)

My ex opened several credit cards and bank accounts in my name without my permission. American express being one of them. I had filed a previous claim and XXXX  took action on a card not reflected in my complaint. They took action on a card ending in XXXX. The complaint was filed on card number found in the ftc complaint attached here and the prior complaint. My ex used many of my bank accounts that he had hacked into to pay these fraudulently opened cards. XXXX  being the primary one, which I have also filed a complaint on.
Consumer complaint received 2018-12-11
Product: Student loan — Federal student loan servicing
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 (GA)

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and CAPITAL ONE with no successful resolution. XXXX  and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XXXX, XX/XX/XXXX.
Consumer complaint received 2022-05-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. You did not proofread the report and did not make sure it was 100 % correct. Here are the details : XXXX XXXX XXXX/ {$360000.00} / XX/XX/2022
Consumer complaint received 2018-12-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (NY)

I, XXXX XXXX  request for a full disclosure on ownership on a debt stated by Citi Cards that it has been sold/acquired by a third party. My argument is complicated but on point. In every state there are specific requirements on debt transfers. Even though the state of New York outside the boroughs of XXXX XXXX XXXX does not have a specific licensing requirement for third-party debt purchases, the problem remains a national nightmare since the XXXX et al v. XXXX XXXX XXXX XXXX decision US Supreme Court No. XXXX Decided XX/XX/2017. I now have no choice but to take my complaint to the Office of Attorney General state of New York. The CFPB does not give legal advice, but the problem remains current in the third-party debt purchase business. The debt as a stated purchase can not be acquired as the probability is 100 % that the original debt is part of a securitized trust. Citi Cards has no position to sell off the debt, only the rights on assignment to collect. This collection is already a complete falsehood. I hereby attach a similar disputed process on the collection process and require a full qualified written request of the original procurement of debt. The Federal Trade Commission also has a strict mandate on ownership transfer FTC v. XXXX XXXX XXXX XXXX ( XX/XX/XXXX ). The main issue on that decision is quite certain, the transfer on debt purchase must be proved, not by a simple letter from the original that the debt was sold. This lack of documentation will not stand in any state court for collection enforcement purposes. Accordingly, since Citi Cards has erased the debt from my personal credit reports, either by deletion of the account or by updating to a XXXX balance, they can not take the debt back into their own loss mitigation unit. The collection is a complete farce and must be purged permanently. The requirements on such a collection within the state of New York have also been broken. I have attached several items to this complaint for the Consumer Financial Protection Bureau review. My argument is solid and the debt purchase arrangement is fraudulent and baseless.
Consumer complaint received 2018-12-04
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)

XX/XX/2018 {$1500.00} XXXX XXXX report under my name and report that is no true or belong to me ..I don't have account with XXXX XXXX ...
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FinCo Services Inc DBA Current (GA)

The company named Current fraudulantly opened a credit card in my name on or about XX/XX/XXXX without checking the credit bureau and I was notified by my identity monitoring service named XXXX XXXX on XX/XX/XXXX by email where I immediately utilized XXXX XXXX to contact the company named Current to close that fraudulent account. I also notified the XXXX Police Department and FTC about the theft. The company named Current responded that they did not need to check the credit bureau before opening that fraudulent credit card account. The problem with that is that I have a security alert and credit freeze on all my credit bureau accounts. The fraudulent account is located on XXXX. The company named Current spoke with XXXX XXXX and me and confirmed that they would close the account. They also emailed that they would close the account and that they did not have to contact the credit bureau to open a credit card account in my name. If they did check my credit reports they would see the security alert to contact my cell and not issue any credit card. That did not happen and this fraud was executed against my identity wrongfully. I contacted the XXXX and disputed it. It was appalling to see that XXXX wrongfully said that the fraudulent information on my credit report as reported by Current was accurate. I complained to XXXX on Live Chat and they said to re-dispute. What Current did in opening a credit card in my name without checking the credit bureau was criminal and I did report it to the XXXX Police and the FTC. Current said they were not required to check my credit report. THE PROBLEM WITH THIS IS THAT I HAVE A CREDIT FREEZE ON ALL THREE BUREAUS and XXXX has not honored my credit freeze and security alert. THIS WAS WRONG FOR XXXX TO STATE SOMETHING ILLEGALLY OBTAINED BY THE COMPANY NAMED " Current '' t AGAINST MY NAME WAS ACCURATE. It was never accurate. It was theft of my identity to fraudulently open a credit card by unknown persons. They are wrongfully approving as accurate an account initiated in Fraud by Current without my approval. I am an identity theft victim and still have the 7-year credit freeze before this. It is active. XXXX knew better but decided to do wrong also. Please correct this
Consumer complaint received 2022-11-30
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. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-06-13
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. (AL)

I have multiple inquires from XXXX of 2020- XXXX of 2020. That I have no knowledge or memory of nor of giving consent and need them to be removed from my credit report.
Consumer complaint received 2022-02-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (NJ)

XXXX XXXX {$0.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( XXXX ) In general Before the expiration of the XXXXbusiness-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( XXXX ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( XXXX ) and before the end of the period referred to in paragraph ( XXXX ) ( XXXX ).
Consumer complaint received 2018-12-11
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: EQUIFAX, INC. (NY)

XXXX, Credit Reporting Agency has made it difficult for a consumer to dispute erroneous information on a credit file. I am requesting a reasonable investigation regarding the following information being reported in my credit report/file : ************************XXXX-Credit Report FILE NUMBER # XXXX XXXX XXXX XXXX XXXX -- -- C/O XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX ( XXXX ) XXXX Acct # XXXX -- Amount Disputed -- XXXX I have no recollection of this alleged acct and I am requesting a complete history of any late fees charged, interest charged, any invoice ( s ), or contract bearing my signature as mandated by the FCRA. 

2- XXXX - XXXX XXXX XXXX XXXX XXXX , MN XXXX ( XXXX ) XXXX XXXX and XXXX seem to be the same erroneous account being reported TWICE. 

I have no recollection of this alleged acct and I am requesting a complete history of any late fees charged, interest charged, any invoice ( s ), or contract bearing my signature as mandated by the FCRA. 

3- XXXX XXXX XXXX # XXXX XXXX XXXX XXXX   XXXX XXXX, FL XXXX ( XXXXXXXX ) XXXX Placed for collection : XX/XX/2016 XXXX ( Cable/Cellular ) Past Due : > $ XXXX I have no recollection of this alleged acct and I am requesting a complete history of any late fees charged, interest charged, any invoice ( s ), or contract bearing my signature as mandated by the FCRA. 

*******************XXXX CREDIT REPORTING AGENCY I AM DISPUTING THE SAME ( 3 ) ERRONEOUS INFORMATION/ACCOUNTS AS BEING REPORTED BY XXXX  AND I AM ATTACHING A COPY OF A RECENT CREDIT FILE WITH THE RELEVANT INFORMATION THAT IS BEING DISPUTED. 

1- XXXX XXXX, XXXX, AND XXXX XXXX XXXXXXXX THAT XXXX IS REPORTING IN MY CREDIT FILE. 
I have no recollection of this alleged accts and I am requesting a complete history of any late fees charged, interest charged, any invoice ( s ), or contract bearing my signature as mandated by the FCRA. 

XXXXEQUIFAX CREDIT REPORTING AGENCY I misplaced the recent credit file and the ( 3 ) same erroneous accounts also appear in my Equifax credit file. If Equifax can not or chooses not to conduct an investigation of the same ( 3 ) accounts that are being reported by XXXX and XXXX, then I request for a copy of my credit file be sent by email to XXXX or by regular USPS to my current mailing address. I attached a copy of my ID and a recent utility bill with the address where I been living for the last ( 4 ) years.
Consumer complaint received 2017-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NY)

There appears to be a tax lien reporting on my report. I do not recognize this report. I went down to the courthouse to verify with the clerk that this is actually mine. It does not belong to me. In fact, the social security number is not stated on the lien. Please verify and get back to me with the proof in writing that the lien belongs to me with the clerk 's name, the time and date of the call and verification of my social security number. The clerk advised me that they do not report any information to the credit bureaus and they do not keep any record of the social security number due to the file being sealed and that only a court order can open this file. So this is going to be fun to witness.
Consumer complaint received 2018-12-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JH Portfolio Debt Equities, LLC (NY)

I, XXXX XXXX request for a full disclosure on ownership on a debt stated by XXXX XXXX  that it has been sold/acquired by a third party. My argument is complicated but on point. In every state there are specific requirements on debt transfers. Even though the state of New York outside the boroughs of XXXX XXXX XXXX  does not have a specific licensing requirement for third-party debt purchases, the problem remains a national nightmare since the XXXX  et al v. XXXX XXXX XXXX XXXX  decision US Supreme Court  No. XXXX Decided XX/XX/XXXX. I now have no choice but to take my complaint to the Office of Attorney General state of New York. The CFPB does not give legal advice, but the problem remains current in the third-party debt purchase business. The debt as a stated purchase can not be acquired as the probability is 100 % that the original debt is part of a securitized trust. XXXX  XXXX has no position to sell off the debt, only the rights on assignment to collect. This collection is already a complete falsehood. I hereby attach a similar disputed process on the collection process and require a full qualified written request of the original procurement of debt. The Federal Trade Commission also has a strict mandate on ownership transfer FTC v. XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ). The main issue on that decision is quite certain, the transfer on debt purchase must be proved, not by a simple letter from the original that the debt was sold. This lack of documentation will not stand in any state court for collection enforcement purposes. Accordingly, since XXXX XXXX has erased the debt from my personal credit reports, either by deletion of the account or by updating to a XXXX balance, they can not take the debt back into their own loss mitigation unit. The collection is a complete farce and must be purged permanently. The requirements on such a collection within the state of New York have also been broken. I have attached several items to this complaint for the Consumer Financial Protection Bureau review. My argument is solid and the debt purchase arrangement is fraudulent and baseless.
Consumer complaint received 2018-12-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Finance of America Mortgage LLC (CA)

On XX/XX/2018 i was approached by XXXX XXXX and XXXX XXXX from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX to refinance my home. After providing them all of my financial information and documents, they were offered me a better deal on my current mortgage so we proceeded with the formal application. They also told me I had to pay for 2 appraisals ( {$720.00} ) each for a total of {$1400.00}. I gave them my credit card info and they ordered the 2 appraisals from 2 appraisers of their choice. Both independent appraisals came back at approximately at {>= $1,000,000} which is what i paid for the house a year earlier. I don't hear back from them for over a month and then i finally heard back from them and learned that the lender they picked did not " approve '' the appraisals and decide to come up with their own valuation at $ XXXX without setting a foot in my property. Since they didn't use or approve the appraisals they made me pay for, i asked for a refund on them. After a lot of arguing, back and forth, they agreed to refund me only one appraisals. I involved the president of the company, XXXX XXXX and he stopped responding to my emails despite several attempts. The company refused to refund me for the second appraisal and i honestly think it's absurd. They approached me, made me pay for the appraisals and then don't use the appraisals. What type of accountability process do they have in place? I have emails of everything mentioned in this report.