davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

Trans Union keeps reporting a late payment on my credit report. I dispute it and it goes away. Then it reappears on my credit checks. I believe Trans Union is intentionally doing this in order to skirt the law and have me pay for another credit report after the one free one allowed per 12 months by law.. Trans Union also reports a " hard hit '' on my credit report whenever they " fix '' my complaint making it appear as I am applying for credit from another company.
Consumer complaint received 2019-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ARVEST BANK GROUP, INC. (OK)

I called Arvest Bank on XX/XX/XXXX via their call center to change my checking account product ( from a fee account to a free account ), the woman on the phone completed the task, and we hung up the phone. XX/XX/XXXX I received a hand written envelope addressed to me, it contained a cover letter with my name and account number explaining the change to my account and under that cover letter three copies of another customers opening account documents. I now had this customers name, address, phone number, account number, birthday, social, DL #, and all information regarding her balance at the time of opening, where the account was opened etc. I called the customer service line explaining I was upset thinking someone else got my social like I got this persons. I filed a formal complaint, and spoke with a manager. The only resolution she could offer me was to close my account and reopen a new one. Please note I have received someone elses account number, name, and social via drive thru about two months ago while I was paying my house payment. I also filed a complaint at that time but am unaware of any resolution. After the mailing incident yesterday, I requested since my information could be compromised due to the bank negligence that they pay for a minimum of a year of credit monitoring for my husband and myself ( who is also on the account ), notify the other customer and also do the same. As of yesterday, the next manager I spoke with was unable to fulfill my request because he didnt have formal approval. He couldnt pin point who printed or mailed those forms in error, and also couldnt guarantee if my information had been sent out or not. My complaints about customer information not being kept private is doing nothing. In two months I have received two other customers information, and Arvest seems less than concerned.
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX Ive already included this report in my previous letter & I am including it again. 
Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}, XXXX NV XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8100.00}
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-04-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

I have now been contacted by five ( 5 ) Collections Company in this regard over the last 2+ years. Without trying to be rude, I HAVE NO DEBT! 

I do not know why they are contacting me but but I have asked them all to cease immediately. I have no outstanding balance to XXXX and have already supplied them the information for it. I was contacted by XXXX, XXXX on XXXX and disputed it with them and then supplied the following information and they closed it. Then on XXXX, I was contacted by XXXX XXXX and supplied them the same information and they closed it out. Then on XXXX, I was contacted by XXXX  XXXX ( XXXX ) and supplied them the same information via their website and they closed it out. Then on XXXX I responded to XXXX XXXX XXXX via their website with the same information given to the previous three companies. Now I have received another debt collection letter from Convergent again for same debt that I do not owe. I tried to call them today since they do not have online disputes and after talking to Representative, XXXX, and explaining everything, she told me I needed to hold on and then disconnected.the line. I waited and received no call back so I am on the line now for over 30 minutes minutes and finally got XXXX. Now after explaining the story again and asking not to be contacted anymore as this is harassment, she told me she had to get more information and then for 2nd time the line disconnected. I just contacted XXXX XXXX XXXX who has my home phone land line service. They verified no interruptions and the call was dropped on Convergent 's end. 

I have all the previous letters and am not wasting my time going back over the same information I have with the previous four ( 4 ) collections companies when they are the fifth company pursuing a false claim. The mistake was on XXXX 's part and not mine. They acknowledged this in 2017 when I escalated it to a manager and was told then I had no debt and did not own anything because I was not under contract and had not been for many many years ... .. 

This is harassment on both you and XXXX part by continuing this as I have proven my " No Debt '' on four ( 4 ) previous occasions. I have told them all if they contact me again or pursue any further actions based on this false issue it will be handled by every legal step available to me by law and venue. Regardless of this, they ( XXXX ) just sends another company. 

Please help me end this or tell me the legal avenue to pursue. It has to stop. 

Thank you.
Consumer complaint received 2019-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NY)

In XX/XX/2018 I opened an account with Citibank with the promise that if I deposited XXXX, in 6 months I would get {$400.00} bonus. I got the email and everything was good. Came XX/XX/XXXX I called citibank to see when I was getting the bonus and was told XX/XX/18. XX/XX/XXXX I called again because I still havent seen the money and this time was told that I was not going to get it because I didnt qualify. Now the only thing I needed to qualify was deposit the money which I did n now they refuse to give me the money. I put in a dispute with the XXXX  as well and now need to know how to take them to small claims so they never do this again to anyone else.
Consumer complaint received 2019-02-13
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (CA)

XXXX XXXX, XXXX XXXX is a victim of identity theft. He was notified by your XXXX XXXX XXXX of a fraudulent application submitted with his information without his consent. An inquiry was made into his XXXX  and XXXX  credit report XX/XX/XXXX related to that application. A formal dispute was mailed to XXXX XXXX XXXX  XX/XX/XXXX ; as of this date XXXX XXXX XXXX has not replied to the dispute which is a violation of the FCRA.
Consumer complaint received 2019-02-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MA)

My mortgage with XXXX  XXXX XXXX went into foreclosure in XX/XX/XXXX after my now ex husband was in a car accident that left him out of work for 6 mos. I applied for a loan modification. My original mortgage payment was {$2200.00} my modification offer came back at {$2000.00}, which I denied. I continued XXXX after month facing updated modification paperwork to them. Every single time, within 24-58 hours XXXX would show up with an envelope that had in it a list of what they ( XXXX ) was saying was missing from my paperwork ; it was not. I paid a company out of XXXX ( Owner XXXX XXXX ) $ XXXX/month for a year to help with the modification process, also paid him {$2500.00} cash to do what he said was a forensic audit on my original mortgage paperwork/transfer. He did nothing to help me, he simply took my money. After years and years of this, XXXX was sued for shredding customer modification paperwork and giving bonus to employees who did do. I took it upon myself to print the newspapers articles from the XXXX XXXX XXXX and The XXXX XXXX and faxed it along with my modification paperwork. My mortgage was then immediately sold to who currently holds my mortgage, Specialized Loan Servicing. I have requested a modification numerous times since XX/XX/XXXX and all three times Ive recd an offer right around the {$2000.00} mark. My house is now in serious disrepair. The roof leaks, windows are literally falling out, the ceiling in the back of my house has collapsed. Ive offered hundreds of times to pay no more than $ XXXX/month in order to save my house, and start to repair it. This was the house I grew up in. My grandfather bought this for my mom who is still here with me, but has been sick ( XXXX ) since XX/XX/XXXX. He bought this house in XX/XX/XXXX so that my mom and I would have a stable place to live. I bought it from my family in XX/XX/XXXX with the intention of keeping mom safe here until she passed, but nothing is cooperating. My house is all we have and if we lose it, mom will have to go into elder care through the state. Why do that if I can keep her here and take care of her. Anyway, this has been a long uphill battle and according to my research, it seems the SLS is doing the same stuff XXXX did. They currently have a Class Action Suit against them for unlawful modification practices.
Consumer complaint received 2019-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (MD)

This item First Progress credit card ( Account # : XXXX ) is inaccurate because this account was paid in XX/XX/XXXX but the date major delinquency first reported / failure to pay status updated on both my XXXX & XXXX credit reports to reflect XX/XX/XXXX/ XX/XX/XXXX & now my credit reports are considering this account as being late when it's already paid. The last date of delinquency should be in XX/XX/XXXX since this is when the account was charged off. My credit reports are now showing this account as a new late and since this information updated incorrectly my credit score decreased by 10-15 points.
Consumer complaint received 2022-08-19
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: Experian Information Solutions Inc. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2019-02-13
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. (TX)

****** Company 's Response to # XXXX XXXX Thank you for submitting your complaint on XX/XX/2019 through the CFPB Complaint Portal. Unfortunately, we are unable to proceed with an investigation of the concerns raised in your complaint because we need additional information. Please provide us with the following information : Please be specific by listing the account names, numbers, and nature of the dispute. Please provide the requested information to Equifax XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX. If you have any questions or require additional information, you may contact by calling a Customer Service Representative at XXXX. 

****** Feedback to # XXXX ****** Here is another example of how feckless the CFPB is, worthless Gov't that serves no real purpose. 

The CFPB allows the people it regulates to close it's own complaint, self regulation & justification of giving an address that was used to start the dispute process with the Credit Bureau ... If that was a functioning process, I would not be here with a CFPB complaint.. DUH?? 

How is " Unfortunately, we are unable to proceed with an investigation of the concerns raised in your complaint because we need additional information. '' how is that responsive to the consumer concerns? 

************************ To demonstrate how impotent this process is, I'm having to detail a 2nd complaint ... where the 1st was non-responsive. As shown in the original complaint ... I took the required step to dispute derogatory info on my report by hand written detail of the information show to XXXX XXXX as being on my report.. 

The dispute was not performed and thus, the Credit Bureau refuses to remove these items on day 31 ; as my rights under the Fair Credit Reporting Act demands..
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

Complaint : I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my XXXXth dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through eOscar. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Consumer complaint received 2018-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MS)

I have contacted the credit bureaus XXXX XXXX XXXX   about these hard inquiries and they seem to not wan na remove them from my credit report and i did not authorize any of these places to run or pull my credit. I have a letter XXXX sent me saying they did not pull my credit but it is showing up on my credit report. Please help me and have them removed off of my 3 credit reports if you can or willing to help me thank you. 


Creditor Contact Details XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Creditor Contact Details XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Creditor Contact Details XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MS XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX
Consumer complaint received 2019-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

My complaint is about Capital One charging me 3 late fees. The problem I am having is that I use an app called XXXX to automatically pay my bills. I have had this app for a few years and never had any issues. What happened was Capital One was booted off of my XXXX account so I had to re-link it. I was never notified by Capital One that my payments were not made. I checked my phone records, voicemails, emails, and spam. There were no notifications to make me aware of this situation. I found out when I was with my mortgage rep to get pre-approved for a mortgage. The problem that I am having is that my credit score has dropped to under XXXX and I always had a score of about XXXX. I then called Capital One. I expressed my concerns and all they did for me was waive one {$38.00} fee out of three {$38.00} fees. I have been a loyal customer with them for 8 years. I have NEVER been late on a payment. This was an innocent mistake, but they NEVER notified me about the late payments.
Consumer complaint received 2019-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma (CT)

I am the victim of identity theft. I reported the crime to the police, filed a report with the FTC, and filed all appropriate documents with all credit bureaus and institutions to correct and solve all the myriad of problems that are created by this crime. In the process of investigating I became aware that someone stole my social security number and used it to get reports bi-weekly from CREDIT KARMA, a private credit service. The thief ( thieves ) used these reports to further infiltrate my identity. When I contacted CREDIT KARMA the only customer service is through email ( an unsecure site ) located in a foreign country. I of course refused to give the number. I wanted to speak directly with someone about this fraud. They were unable or unwilling to give me any further information or contacts. I asked for a supervisor to no avail. If this company can easily give out personal financial information and reports with out validating identity then I want to speak with someone. Why are they allowed to conduct business this way? Currently the thieves are still getting reports and applying for loans etc.and I am left with no recourse. Please let everyone know how this company shares its information.
Consumer complaint received 2019-02-13
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Collection Bureau of the Hudson Valley, Inc. (TX)

I spoke to a lady at CBHV ( collection bureau of the hudson valley inc. ) named XXXX XXXX and she was extremely rude, uncooperative, and would not give me the required contact information i requested. I asked repeatedly for her to calm down and she just kept yelling, interrupting me, and would not let the conversation continue.
Consumer complaint received 2019-02-13
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 — Problem with personal statement of dispute
Company: FIFTH THIRD FINANCIAL CORPORATION (MD)

During the XXXX XXXX XXXX, I called the 53 bank ( www.53.com ) about my loan and said I will be unable to make payment. They agreed that it will be taking care of. But the second month into the XXXX XXXX, I got an alert from all major credit report bureaus about a 30 delinquency. 
I call 53 bank and they told me that they can't do anything about it and I should file a complaint to FTC ( www.ftc.gov ). As I tried to make my complaint to FTC, I was directed to CFPB.