davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Home Loan Center, Inc. (AL)

i was appling for a personal loan. i recieved a call from a man named XXXX saying he was from Lending tree. after appling i was told to get a verification card with the first months payment as a XXXX gift card for {$150.00}. I did and read him the number off back.Then I was told Alabama wanted taxes before releasing funds of another {$150.00} sent the same way. Then I was told one card was not acivated at the store ( XXXX XXXX ) so I went there and they even called main office, but no help. I even called Lending Tree and they told me fraud and to get ahold of you Phone number of XXXX is XXXX XXXX cards number are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this happened on XXXX and XXXX, 2020. I have called XXXX as the money on cards is gone
Consumer complaint received 2020-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (TX)

On XX/XX/XXXX {$500.00} was deducted from my Everyday checking account and only listed as an adjustment. After contacting Navy Federal Credit Union the same day, I received a response from them on XX/XX/XXXX in which they stated " the adjustment was for an overdraft from XX/XX/XXXX which occurred on an E checking account that they closed, and If I felt that it was done in error, then I could call the recovery department to correct the issue. 

Upon calling the recovery department I was transferred three times until I ended up speaking to the inside the fraudulent claims department in which I spoke to a young lady who told me that she would file a claim but was unsure if it would even go through since the amount of time has been so long. I told her that I was never contacted by anyone in regard to the overdraft or the account being close even though I have visited their branches recently and have made deposits to my Everyday Checking account a number of times. She went on to say that the account was closed, charged off and s listed a bad debt after I told her that I could not have made the withdrawal that was listed due to me being in another state other than where it was made.
Consumer complaint received 2020-02-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

ATTENTIN DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2020 MIDLAND CREDIT MANAGEMEN Reported : XX/XX/2020 Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MIDLAND CREDIT MANAGEMEN Reported : XX/XX/2020 I have report your company to consumerfinance.gov As  a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the  XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX , XXXX XXXX, FL XXXX
Consumer complaint received 2020-02-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC (CA)

XXXX advanced me money for use in my business around XXXX. I sold the business and the new owners were to repay the debt as part of the deal. They closed the business in XXXX. In XXXX XXXX reached out to me and said I have an outstanding balance of {$1900.00}. I explained that it was supposed to have been paid by the new owner and I would contact them about it. In XXXX XXXX  reached out to me about the debt and by that time the people I had sold the business to were long gone. I tried for a couple of months to get ahold of them. XXXX continued to reachout to me and I told XXXX that I would take care of it and in XX/XX/XXXX I started making payments on it. XX/XX/XXXX made the final payment of {$1500.00}. ( I have the bank records to prove it ). In XXXX ( XX/XX/XXXX ) I received a letter from MRS BPO , LLC, with the acount # XXXX asking for payment of $ XXXX.for XXXX.I called them and said it had been paid and never heard from them again. Now I have just recieved a 1099-C for the amount of {$1700.00} saying its for XXXX and is charged off and I need to declare it on my taxes. This is not right. I paid my bill and should not have to declare this. I have the bank records that show payment to XXXX in full.
Consumer complaint received 2018-06-29
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: Prosper Marketplace, Inc. (GA)

I received two crowdfunded loans from Prosper Marketplace, the first for {$12000.00} in XX/XX/XXXX and the second for XXXX in XX/XX/XXXX. A XXXX diagnosis and divorce forced me to default on both loans in XX/XX/XXXX. Prosper charged off both loans in XX/XX/XXXX with charged-off amounts of {$13000.00} and {$7900.00}. 

Five years later they increased the balances and reported such to the credit reporting agencies. The first loan balance was increased to {$18000.00} with the second increasing to {$10000.00}. The increases were first reported in XX/XX/XXXX. I contacted Prosper to inquire why they would increase balances on six-year old charged off accounts. I took the position that the increases were improper and that they had not made any attempts to collect the debt. They referred me to their third party collections company. 

I contacted the collections company and a representative informed me that not only did they not have my account, they also don't report any information to the credit reporting agencies. They referred me back to Prosper 's in-house collections unit. 

I contacted Prosper again. They also could not locate my account and could not advise why the balances were increased.

I never received a follow up call from Prosper, the balances, however, were returned to the original amounts in XX/XX/XXXX. Then a month later the balance were AGAIN increased. At that time Prosper also updated the second loan to indicate that they account had been closed as of XX/XX/XXXX, four-plus years AFTER the account was charged-off. 

I view these actions to be malicious with clear premeditated intent to damage my credit rating by unlawfully increasing balances, changing the 'closed ' date of the account, adding payment history where there was previously none, and updating the accounts monthly to hold down my scores.
Consumer complaint received 2022-01-29
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. (FL)

There is a child support account on my report that has been there exceeding 7 years. Its closed and paid off but its still on my report. Its a violation of my rights under FCRA law 15 U.S Code 1681s-1,2 A and B.
Consumer complaint received 2022-01-29
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)

There is a child support account on my report that has been there exceeding 7 years. Its closed and paid off but its still on my report. Its a violation of my rights under FCRA law 15 U.S Code 1681s-1,2 A and B.
Consumer complaint received 2022-01-29
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. (FL)

There is a child support account on my report that has been there exceeding 7 years. Its closed and paid off but its still on my report. Its a violation of my rights under FCRA law 15 U.S Code 1681s-1,2 A and B.
Consumer complaint received 2020-02-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (MI)

Company Afni states I owe an alleged debt to XXXX XXXX XXXX for services I do not owe and remember getting. The company must validate the debt and attached is a letter for validation request. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practice Act ( FCDPA ) company has 30 days to validate debt. I believe this alleged debt has been sold at least one time.
Consumer complaint received 2022-10-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I learned by email on XX/XX/XXXX from XXXX that my credit rating went down. I logged in to find that Bank of America had made a hard inquiry on my credit. I logged into my Bank of America account and found out that I had a new " XXXX XXXX  credit card that I did not apply for. I called to have it cancelled and my annual {$59.00} fee reimbursed *but* could not find out how the application was made more than that it was done " online '' ( not sure if that means with the BoA app, on their website, maybe on XXXX 's XXXX ). I did receive an email last night saying that my card was being sent to my home address. 

I want to know if Bank of America opened this credit card without my permission of if someone else did. After about XXXX hours on the phone with BoA, I now have to go through an entire process with the local police and with BoA, in order to learn what information was placed in the application for this card - and won't learn about it for at least another 30 days. 

In the meantime, I did place a security freeze on my credit information with the top XXXX credit bureaus. I also did check to see if the XXXX had any type of mail hold to ensure that nobody was waiting for the credit card that is supposed to be coming through the mail
Consumer complaint received 2022-01-29
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)

On XX/XX/XXXX I notified Transunion of some inaccurate accounts on my credit report. On XX/XX/XXXX an automated response was generated from Transunion denying my request to block the false information because they determined that my request was either a ) been made in error ; b ) is a misrepresentation of material fact relevant to the request to block and/or c ) I have obtained possession of goods, services or money as a result of the transaction issue. 

However, when I spoke to a representative of Transunion on XX/XX/XXXX they informed me that one of the accounts in question had been deleted from my credit profile. I in no way look at resolving issues of Identity Theft on my credit report as being " Irrelevant or Frivolous ''. Also, since there was in fact accounts on my credit report that was inaccurate, according to the FCRA Transunion was obligated to thoroughly investigate those accounts. 

Also, as of today XX/XX/XXXX I have not received verification from Transunion about the outcome of my request. According to FCRA credit reporting agencies only have 30 days to notify consumers in writing of the findings of their investigations. 

The inaccurate information on my credit report has prevented my family and I from being approved for a new home. It also has prevented me a small business owner from being approved for a small business loan from the XXXX for pandemic assistance.
Consumer complaint received 2022-01-29
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)

This debt was sold from XXXX XXXX XXXXXXXX to XXXX XXXX who sold the debt to XXXX XXXX XXXX. I know this because I called XXXX XXXXXXXX XXXX to make the payment, who sent me to XXXX, who told me they did not have this account with me, which explains why I never received any collection activity from them. They sent me to XXXX XXXX XXXX. This debt was paid in full to XXXX XXXX XXXX on XX/XX/2001. This is not an OPEN account with XXXX XXXX. XXXX XXXX has no right to have this account listed on my credit report which is exactly why NONE OF THE INFORMATION MATCHES ACROSS AGENCIES. Yet all 3 National Credit Reporting Agencies XXXX XXXX, Experian, XXXX ) continue to ignore my disputes and continue to mark it as verified as accurate. When, in reality, they can not even accurately or LEGALLY VALIDATE the account. I have reported this account multiple times and the investigation has never yielded true and accurate results. Therefore, we are well beyond the 30 day limit that the reporting agencies have to investigate, and I demand it be removed immediately! 

The inaccuracy of this account has affected my ability to get a credit card, a loan, a mortgage, and it is negatively affecting my military security clearance!
Consumer complaint received 2022-01-29
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. (FL)

This debt was sold from XXXX XXXX XXXX to XXXX XXXX who sold the debt to XXXX XXXX XXXX. I know this because I called XXXX XXXX XXXX to make the payment, who sent me to XXXX, who told me they did not have this account with me, which explains why I never received any collection activity from them. They sent me to XXXX XXXX XXXX. This debt was paid in full to XXXX XXXX XXXX on XX/XX/2001. This is not an XXXX account with XXXX XXXX. XXXX XXXX has no right to have this account listed on my credit report which is exactly why NONE OF THE INFORMATION MATCHES ACROSS AGENCIES. Yet all XXXX XXXX XXXX XXXX XXXX XXXX Transunion, XXXX, XXXX ) continue to ignore my disputes and continue to mark it as verified as accurate. When, in reality, they can not even accurately or LEGALLY VALIDATE the account. I have reported this account multiple times and the investigation has never yielded true and accurate results. Therefore, we are well beyond the 30 day limit that the reporting agencies have to investigate, and I demand it be removed immediately! 

The inaccuracy of this account has affected my ability to get a credit card, a loan, a mortgage, and it is negatively affecting my military security clearance!
Consumer complaint received 2022-01-18
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)

From XX/XX/XXXX through XXXX XXXX there were fraudulent inquiries on my credit report from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XXXX ) ( XX/XX/XXXX ), XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX. All bureaus have removed this information except equifax .this information has cause my business to be turned down for credit on multiple occasions .A police report has been sent to equifax but still the information is being reported.
Consumer complaint received 2022-01-29
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. (AZ)

The account was charged off but paid in full, I asked for the balance to be updated so the account would no longer show an outstanding balance in doing so Experian updated the account to show as a recent charge off as of XX/XX/2021, so all of recent request has been denied because its showing that I have a recent 90 day late and charge off, the charge off happened in XXXX of XXXX. I need the account corrected. Immediately as this is hurting my financial status and integrity.
Consumer complaint received 2018-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (OH)

I purchased a round trip flight from XXXX, OH to XXXX, XXXX, XXXX. The total cost for two tickets was approximately {$2900.00}. My return flight was scheduled to land in XXXX on XX/XX/2017. However, the airline removed us from the connecting flight from XXXX to XXXX for no reason. We landed on time to make the connection. Then the next flight was delayed since there was no pilot. We did not arrive to XXXX until the next day, XX/XX/2017. I provided documentation to American Express. The merchant provided no documentation regarding terms or conditions as there were no terms to remove passengers from flights or to reschedule landings for a different day. I am requesting {$600.00} credit, {$300.00} for each ticket is more than fair. It took us more than 27 hours for the total trip so we should have not had to pay this amount.
Consumer complaint received 2024-03-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

The Bank of America XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Dear sir, Yesterday, I have received this email to the registered email address. It asked me to specify the account number for XXXX XXXX. XXXX. Since it was not clear what this meant, I checked the website of bank and still not clear. Previously, I have sent the issue on all my account including a joint account ; therefore, there is no necessary to indicate which account number to be checked. 

Sincerely,
Consumer complaint received 2022-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

To whom it may concern at the CFPB, I have been in contact with the creditor, DeptED/XXXX  and was told that my 11 accounts with XXXX were discharged from thier records/database on XX/XX/2021 and that Trans Union was also requested and told to remove these accounts from my Trans Union credit report . It has now been over 45 days and these 11 accounts are still remaining on my credit report. Please delete these 11 accounts immediately.
Consumer complaint received 2022-01-29
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. (TX)

I didnt not apply for XXXX XXXX XXXX account Im seeing three accounts with one single application on my credit reports and one is open with {$980.00} balance and another one is closed due to lost and stolen card and last one which is {$1200.00} closed with past due. With experian and three accounts with XXXX Im asking for these duplicates accounts to be remove off my credit bureaus this is a fraudulent application
Consumer complaint received 2015-11-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC (NJ)

The daye of the debt they said originally opened in XX/XX/XXXX which is not true, it opened in XX/XX/XXXX. Moreover, i have constantly been disputing this debt to no avail. Finally, i had paid the debt and it is closed but they will not stop reporting and the least they can do is update the open date and stop parking an old debt.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (OH)

Paid My Target XXXX Card on my due date XX/XX/24 then accidentally scheduled my XXXX XX/XX/24 payment for XX/XX/24 but I'm not concerned about that. My XX/XX/24 payment was returned as I made a mistake and paid early. I noticed this and paid XXXX XX/XX/24 in the amount of {$700.00} and XX/XX/24 in the amount of {$110.00} and then XX/XX/24 in the amount of {$310.00} So I was 14 days past due Speaking to multiple reps with TD Bank Target XXXX Card. They told my it not 30 days late but when talking to the dispute center he argued that if I have a due date of XXXX and my statement ends on XXXX then any payment after the XXXX of XXXX is and will be reported as XXXX dahs late I said even if it's only 4-5 days after my due date he said yes thats 30 days late but my payment wasn't due till XX/XX/XXXX XXXX and I paid XX/XX/XXXX on time so its not late by 30 days only XXXX. If I missed paying by XX/XX/XXXX or XXXX then I'd be late but I was 14 days late
Consumer complaint received 2022-01-29
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. (TX)

I didnt not apply for XXXX XXXX XXXX account Im seeing three accounts with one single application on my credit reports and one is open with {$980.00} balance and another one is closed due to lost and stolen card and last one which is {$1200.00} closed with past due. With XXXX and three accounts with XXXX Im asking for these duplicates accounts to be remove off my credit bureaus this is a fraudulent application