davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-15
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC (MI)

Hi, I reached out to Veteran United in search of more information for either a VA Loan or an FHA Mortgage. During the information collection process, I was VERY specific that I was only looking to inquire more information bout the application process and how it all works and that I had NO intention to purchase right away. 

Instead, the Mortage broker assigned to my application ran a " Hard Pull '' on my credit report which I had no intention of approving at this time since I'm still in the credit rebuilding process and a hard pull will do nothing but to affect the reliability of my creditworthiness. 

I reached out to the broker and his response was " Your credit will bounce back eventually '' not addressing the fact that I did not authorize this credit pull, and if in any way, shape or form it was implied on their end, it wasn't specifically explained to me that a hard pull was going to take place. 

Now I have it on my credit report and it will be there for 2 years for no reason unless otherwise, Veteran 's United rectifies this issue as soon as possible. 

Although I have every intention to keep working with Veterans United on the home buying process, a hard pull at this time is not what I had in mind, since I need to position myself in the best position to succeed when I'm ready to move forward with this mortgage.
Consumer complaint received 2021-11-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland Credit Management is falsifying information, stating that I owe debt to them, that I do not owe. They illegally reported to the credit bureaus that I owe debt to them. This is fraud, as I do not owe them any debt. 

I have written to Midland Credit Management several times, via certified mail, stating this debt is not mine and to cease all collection activity against me. Specifically referencing that they DO NOT have a SIGNED CONSUMER CONTRACT with me. 

And by not having a signed consumer contract with me, I have asked Midland Credit Management to remove and delete this account from my credit reports multiple times, which they have failed to do. 

Midland Credit Management is in violation of the fair credit reporting act and their actions are harming me by impacting my ability to obtain credit. 

I am demanding that this account be immediately removed from my credit report.
Consumer complaint received 2021-11-17
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: OneMain Finance Corporation (NV)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Well I think my mothers has been using my account or feed throughout the years placing loans and bills in my name and I never ever knew anything about it til I just tried to get my credit score and i seen all of that stuff done on my account in my name and some of the dates I was XXXX  for XXXX months I want to clear my credit and file a complaint
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX  is still reporting my account XXXX as opened, even though it's fully been closed according to the company. This must be corrected by the credit bureau to correctly reflect that it is closed
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

XXXX XXXX is still reporting my account XXXX as opened, even though it's fully been closed according to the company. This must be corrected by the credit bureau to correctly reflect that it is closed
Consumer complaint received 2021-11-17
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: OneMain Finance Corporation (FL)

I am the natural person, creditor and consumer according to 15 USC 1692a ( 3 ) - defines consumer Pursuant : 15 usc 1681 ( 4 ) 15 usc 1681b 15 usc 1681b ( a ) ( 2 ) Which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency may furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it related.
Consumer complaint received 2021-11-17
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (NV)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Experian based on inaccurate report from : XXXX XXXX XXXX in collaboration with : XXXX XXXX without the necessary due process and investigation has included the following inaccurate information : Accounts ever late 1 Collections 1 in my credit report and has tarnished our excellent credit score of above 820 to less than 700 and interfering with out ability to obtain loans at lower interest rates. 

Numerous dispute filing and several letters indicating the fact that the amount claimed by XXXX XXXX XXXX and XXXX XXXX ( XXXX XXXX ) is baseless have finally produced the outcome of " Account paid and closed '', but the above two baseless indicators still remain our my credit report. 

This is after, with great reluctance, we agreed and paid XXXX XXXX for an entire month of their services, at an exaggerated amount, when we never actually utilized their services, since we were already under the contract for exactly the same services with XXXX. We paid, so that the inaccurate information our credit would be erased. That has not happened yet!! 

This complaint is against both Experian, for attempting to destroy credit worthiness of consumers, simply based on receiving a report by a collection agency, and against XXXX for their lack of accuracy in keeping track of their equipment returned by consumer, the difficulties that they created when it comes to terminating their services and charging consumers for the entire month of services, even though the services were not utilized.
Consumer complaint received 2021-11-17
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc. (PA)

XXXX shows opened in XXXX/2012 this is not my account. My identity was stolen and has been being used for years. They have opened bank accounts in my name while making some payments and leaving others my social security card along with my identification and birth certificate has been compromised I have filed a police report, written letters to the company and to Experian, I've sent in lease to where I lived in 2012, sent in proof of identity and a bill showing where I reside now. Its been years and Experian still has this on my report, the creditor hasn't responded for years after sending certified letters. This information needs to be blocked from my Experian credit file. They are in violation of the fair credit reporting act.
Consumer complaint received 2022-12-15
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX, texas XXXX XX/XX/2022 In accordance with the Fair Credit Reporting Act I have the right to have all inaccurate or unverifiable accounts removed from Credit bureau. 
Also, 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 u.s 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX US dept EDUCATION XXXX US dept EDUCATION XXXX us DEPT EDUCATION XXXX  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 other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15U.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 2017-05-31
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. (CA)

I have disputed XXXX on my credit report with XXXX XXXX and Transunion multiple times with no proper response or investigation or re investigation. I am asking once again to have XXXX removed from all XXXX CRA, unless they can show just cause. The loan from the start was a bad loan at the beginning of the meltdown. The loan started with XXXX XXXX the day they collapsed. Then was handed off to. XXXX XXXX, XXXX XXXX XXXX/XXXX XXXX these XXXX were shut down by the federal Government, XXXX XXXX XXXX, and Last XXXX. who Serviced the loan who actually held legal title will more than likely never be known. Unless there is a legal documented paper train for this loan I respectfully demand that it be removed. I am seeking legal advice as to more than likely illegal foreclosure and credit reporting. Please provide legal documentation or remove from my credit report.
Consumer complaint received 2021-11-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CO)

My wife, XXXX XXXX, and I opened a Citi Elevate checking account and Citi Accelerate Savings account in XXXX. Once the accounts were finally set up, we transferred funds ( ~ $ XXXX ) from our existing accounts at XXXX and XXXX XXXX XXXX. Those transactions successfully went through from those external accounts the first and second week of XXXX. This Sunday ( XX/XX/XXXX ) we found out that we could no longer log in to our account and that the account was locked. My wife called on Monday and was told that Citi closed the account due to suspicious activity and that we would get a letter in the mail in 7-10 days notifying us of the closure and then it would be 30-60 days before we could get our money back. We were told that a supervisor would contact us to discuss this issue but no such contact was made. This closure was done without notifying us first and Citi made no efforts to verify the validity of the transactions ; in fact, we were never told what activity triggered the closure. Today ( XX/XX/XXXX ) we received an email indicating that the account was closed due to an apparent violation of the terms of service. We were not told what was violated and were provided no recourse. I called Citi again today ( XX/XX/XXXX ) and they indicated that there was suspicious activity on the account and that they closed the account because it presented a risk to Citi. They told me the same information as they told my wife and said that the account was closed by their back end account managers and that they could do nothing about it. They could not connect me to said account manager to discuss the issue. 

This behavior is totally unacceptable in our opinion as now almost all of our money is locked in a closed Citi account for 30-60 days while they review this. Citi could have notified us of the suspicious activity and sought to verify the validity of the transactions. They could have also blocked the transactions and notified us so that we could rectify the situation. Instead, they unilaterally decided to close the account without any notification and froze our money in their bank. The fact that there is no way to access this money sooner or dispute the closure is unacceptable.
Consumer complaint received 2021-07-21
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)

Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2022-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My Capital One XXXX XXXX credit card includes a reward promotion for a {$200.00} credit for XXXX bookings/stays. I used my XXXX XXXX to book and pay for an XXXX stay on XX/XX/22 XXXX for {$570.00}. The charge posted on XX/XX/22. I should've received my {$200.00} statement credit automatically from Capital One within a few business days. I never received the credit I am owed so I called Cap One and they said that it could take a billing cycle to post but they promised and assured me that the {$200.00} credit would post to my account. I waited over 30 days and the credit never posted. I called Cap One again on XX/XX/22 and the rep said that Cap One did not credit me because the charge posted as Other Travel and not Lodging. Me as a consumer has zero control over how a charge posts to my account after I make a purchase. Cap One knows this and instead of correctly and fairly crediting me the {$200.00} I am owed for the vacation rental, they are attempting to deny me the credit after I paid for and correctly completed a vacation rental stay at an XXXX. This is fraudulent and a bait and switch tactic. I followed and completed all the terms. Their terms clearly state that the credit can be applied toward vacation rental purchases, including with merchants like XXXX, XXXX, XXXX, and XXXX. My XXXX  Confirmation number is XXXX for the stay. I need to be credited the {$200.00} now.
Consumer complaint received 2021-11-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Blockchain.com, Inc. (MN)

They ( Blockchain.com ) have given me the runaround. 
I have been cheated!!! 

I want to take my money out!!! But I do not have a smartphone to get to the Gold step. Don't you get it! 

I DO NOT HAVE A SMARTPHOEN TO GET SMS TO TAKE OUT MY MONEY!!! 
DON'T YOU GET IT. I HAVE ACESS!!!!! 

That's the problem!!! I can not be Gold verified because I do not have a smart phone to receive SMS. I am stuck and you are holding my money which I can not move out because I can not get Gold status!!! 
Don't you people get it!!!! I am being denied my money. 



I do not have a smartphone-it would cost me {$30.00} to rent just to get {$18.00} back. This is dishonest and cheating. Just to receive SMS. I can not do a GR code or a selfies of my license.
Consumer complaint received 2021-04-15
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. (PA)

Disputed XXXX XXXX credit card account via credit bureau as fraud. Sent letters to XXXX XXXX asking for them to validate ownership of this account on two separate occasions with the last letter sent on XX/XX/2021 and both times XXXX XXXX failed to show proper documentation to show ownership of this account such as signed contract agreement of this account. When attempting to call XXXX XXXX on this situation they were not able to verify, find or pull up this account in their system. This account was placed with a third party debt collector and that account has since been removed from my credit report as this account was fraudulent and a result of identity theft.
Consumer complaint received 2020-02-15
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: CREDIT ACCEPTANCE CORPORATION (MN)

My first issue is with XXXX  ( XXXX  XXXX  Card ) I opened a card XX/XX/XXXX. I made my payments on XXXX-XXXX  for XXXX, XX/XX/XXXX for XXXX and XX/XX/XXXX. 
I went to use my card at XXXX and it didnt work. I tried to call XXXX but was referred to a collection agency XXXX. At that point XXXX would not take my calls. I HAD to talk to the collection agency. I was horrified to find out that NONE of my payments were credited. I made my payments over the phone and received confirmation numbers. I WAS NOT NOTIFIED that my payments were not crediting. The collection agency told me that for the XXXX payment my account was frozen and the first 2 payments didnt credit because I didnt call my bank to give them a heads up? What? 
That conversation was XXXX at XXXX am. 
The first person I spoke with told me that they dont take pre-paid debit cards. Again, no notice My second issue is with Credit Acceptance and my car payment. I had automatic withdrawals from my checking account set up and this last payment for XXXX was supposed to come out on XX/XX/XXXX ( due date is XXXX ) I was told that if I could set up my payments for the XXXX  and I would not be making late payments. Then I call them because my paycheck does not go into my account until 4-5pm and I was told that not only would I have a 30 day late on my credit but every single payment I have made has been late! I am devastated. I have been working with XXXX XXXX XXXX since last year and they successfully brought my score up and in a matter of 10 days my credit score has dropped 97 points. I need help! These companies could care less. I cant even reach XXXX  at all, just the collection agency.
Consumer complaint received 2022-12-15
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX, texas XXXX XX/XX/2022 In accordance with the Fair Credit Reporting Act I have the right to have all inaccurate or unverifiable accounts removed from Credit bureau. 
Also, 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 u.s 1681 XXXX Lending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15U.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 2020-02-15
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. (FL)

I receive a business report from Experian XXXX XXXX Report stating I have 3 equipment leases which I don't have and other persnlsvcs of which I have no idea what this even is. On top of this they are reporting under my business name another person as a member that was removed since 2017 as a member manager. This is the type of reporting we get from supposed respected company 's operating in the USA unbelievable. 

XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX
Consumer complaint received 2019-08-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX XXXX added derogatory marks on my credit file in the amount of {$1200.00}. I disputed this claim on ( XX/XX/XXXX ) this is not my debt and fraudulent activity with this account. I've never had a signed contract and /or account with said company. YOU HAVE NOT PROVIDED ME A COPY OF ANY ORIGINAL DOCUMENTATION REQUIRED UNDER SECTION 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with signature on it ) and under SECTION 611 ( 5 ) ( A ) of the FCRA- you are required to " PROMPTLY DELETE all information which can not be verified. Fast forward to XX/XX/XXXX i was notified by my job that I HAVE A GARNISHMENT against me which is 10 % of my paycheck is being GARNISHED every week. you are negatively affecting my credit report. IF THE ACCOUNT IS NOT DELETED, I WILL BE FORCED TO CONTACT THE XXXX  AND LEGAL COUNSEL TO FILE SUIT.
Consumer complaint received 2020-02-15
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KS)

Portfolio recovery service has called me EVERYDAY for the 2 weeks. They have been calling me for months but just recently they call me everyday multiple times a day. I have called and spoke with a supervisor, I have asked each and every employee that called me to stop calling/ put me on the do not call list/ remover my number, whatever needs to be done. They will not stop harassing me regardless of what I say to them. I would greatly appreciate it if they would not call me ever again.