davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-08
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: Credit Card Acquisitions Group (NV)

I have sent XXXX multiple requests asking what method was used to validate the debt. I have submitted documentation from the Bankruptcy court advising that they do not report bankruptcies, I have contacted pacer and they have also confirmed that they do not report. I have also contacted XXXX XXXX and have also confirmed that my report is current locked and no information has been provided. I have submitted all the documents of proof and I just received that the account has been verified. I am requesting who, and what method was used.
Consumer complaint received 2019-09-04
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CURO Intermediate Holdings (CA)

I want to see if I could negotiate my debt. I have an account from Speedy Cash that was originally for {$2000.00}. Now I am in collections for {$4900.00}. I want to see if I can negotiate to settle this debt. Any information?
Consumer complaint received 2019-09-04
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. (NC)

As of 2013 i have been a victim of identity theft there are multiple items on all my credit reports I never knew and never opened only credit I opened up was a XXXX  XXXX bank account anything else I don't have any knowledge of ... I also got a police report..
Consumer complaint received 2023-03-25
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. (IN)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2018-05-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (KS)

My ex / children 's father stole my identity and opened a car loan with me as a couple signer against my wishes. I did not even know this account was on my credit report. They have it charged off and closed and it is not mine it needs to be totally removed.
Consumer complaint received 2021-03-05
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Resurgent Capital Services L.P. (AL)

LVNV Funding LLC of XXXX. XXXX XXXX XXXX south Carolina XXXX has been sending me past due payment notices in the amount of {$68.00}. The collectionhas been reported also as a past due balance. I do not know this company. I have had no business with this company. This company could not and does not have a contract with my legal signature on it.
Consumer complaint received 2022-07-26
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute several accounts on my credit report that contain inaccurate and unverified information. As a result of these errors, my credit score has been significantly impacted, making it difficult for me to obtain financing or credit when needed. 

I have made multiple attempts to address these inaccuracies with the creditors and the credit reporting agencies, but they have failed to correct the errors. Therefore, I am now escalating this matter to the Consumer Financial Protection Bureau ( CFPB ) to help enforce my legal rights and protect my credit. 

One particular account I want to highlight is the XXXX XXXX account, which was closed in 2017. According to my credit report, it was charged off and has since been sent to a collections agency. However, to the best of my knowledge, this account was never paid late, and I have not received any notice of it being sent to collections. This reporting is completely inaccurate and is ruining my credit. I demand that you update this account and delete the inaccurate information immediately. 

Another account that I dispute is the XXXX XXXX account. This account has been reported as unpaid, despite my records showing that it was paid in full and closed years ago. This incorrect reporting is damaging my credit, and I demand that you update this account and delete the inaccurate information immediately. 

In addition to these accounts, I dispute several others that I have no recollection of even belonging to me, such as the XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX  accounts. I demand that you remove these frivolous accounts immediately from my credit report. 

Furthermore, there are several unauthorized inquiries on my credit report, such as XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. I demand that you remove these inquiries from my credit report as they have reached the statute of limitations and were not authorized by me. 

Finally, I want to share a personal story of how these inaccuracies have affected my life. Due to the inaccurate reporting on my credit report, I have been denied credit and financing opportunities that I needed to take care of my family and business. This has caused me a great deal of emotional and financial stress, and I am at my wit 's end with the constant battle to get these errors corrected. 

Therefore, I demand that you take immediate action to update and delete the inaccurate information on my credit report, specifically for the accounts mentioned above. I am prepared to pursue legal action if necessary to enforce my legal rights and protect my credit. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-07-26
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. (CA)

Describe what happen? 

Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well. 


What would be a fair resolution to this issue? 

I want all negative items removed from my credit report because you are in direct violation in the FCRA
Consumer complaint received 2019-09-04
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: Santander Consumer USA Holdings Inc. (TN)

I AM A VICTIM OF ID THEFT. I SENT IN THE ID THEFT AFFIDAVIT AND PLOICE REPORT AS I WAS INSTRUCTED WHEN I WAS CONSULTED THE FTC. IT HAS BEEN OVER 2 MONTHS AND XXXX  CONTINUES TO REPORT THESE FRAUDULENT ACCOUNTS IN VOLATION TO THE FCRA LAWS. I WOULD LOVE FOR XXXX TO COMPLY AND CEASE TO REPORT ACCOUNTS ON MY PROFILE THAT WERE OPEN BY THE THEFT AND NOT ME.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (OH)

There is a bankruptcy listed on my credit report. I've sent multiple letters to the bureau asking for the METHOD OF VALIDATION ... in other words, WHO reported that bankruptcy to the bureau. To date, the bureau has not responded to me with any information I have requested.
Consumer complaint received 2022-07-26
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)

A line of credit was fraudulently opened in my name under the account title XXXX XXXX XXXX in XXXX of 2022. I contacted my bank ( XXXX identity theft department ) and started the process of disputing this claim. There were also several different inquiries and attempts etc. I also put a freeze with all XXXX credit agencies. I got the report back but did not notice that XXXX XXXX XXXX apparently verified the account according to Experian. I only noticed that the account was never removed when I received an alert that my credit score had changed. I then logged in to see that my credit score had dropped due to XXXX delinquent payments to the XXXX XXXX. It says I have a {$24.00} balance. I then started investigating this company and saw similar complaints with the exact dollar amount my account had. I have tried to contact this company but when you call the number it gives you an email address only. The email I tried to send was immediately sent back to me as a bad email account. I have filed a police report as well as a report with the XXXX XXXX XXXX XXXXXXXX has told me this is my next step in hopes that you can contact the company as they also have been unable to.
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (TX)

On XX/XX/2024, I opened a Citi Access Account checking account, which featured a {$300.00} welcome bonus. This promotion was displayed on the homepage of my Citi credit card account profile. I followed the provided instructions and successfully opened the account. Subsequently, I fulfilled the welcome bonus requirements by depositing {$1500.00} or more into the account. However, Citi has not yet credited the welcome bonus.

In the last week of XX/XX/2024, I contacted Citi regarding the missing welcome bonus. I spoke with several representatives and their managers, who informed me that they couldn't find a promo code linked to my account. I told them that I have documentation, including screenshots taken during the account opening process, and requested verification. The response I received stated that they have limited access and would not be able to verify the information.
Consumer complaint received 2022-07-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Liberty Home Mortgage Corporation (GA)

I submitted a inquiry through a 3rd party credit watch company for a Refinance. Liberty home mortgage contacted me about the refinance. During the call I told XXXX XXXX XXXX XXXX XXXXXXXX XXXX Liberty Home Mortgage I would call them back and to NOT pull my credit- he fraudulently pulled my credit anyways WITHOUT my permission. Liberty Home Mortgage keeps fraudulently pulling my credit over and over again. There have been 4 inquiries made by Liberty Hone MortgageXXXX XXXX, they pulled my credit twice on XXXX, and again XXXX all fraudulently WITHOUT my permission. XXXX XXXX XXXX of Liberty is the person who I spoke with and who accessed our information. I have reached out to his manager and the company XXXX they use to pull credit with no response. 

How Liberty can find me in the system XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX
Consumer complaint received 2023-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I did not open an XXXX XXXX XXXX  account in XXXX this is not my debt XXXX XXXX just appeared on my report and they are not providing me address of services will not remove this is not mine. I have filed a dispute with Transunion that came back in less than 20 days.
Consumer complaint received 2022-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (NC)

I made a cash deposit on XX/XX/2022 at XXXX XXXX through the drive through window at the Truist Bank located at XXXX XXXX XXXX XXXX XXXX, NC XXXX. 
The gentleman took deposit, he never confirmed the amount of XXXX dollars that I had written on the paper placed inside of the envelope with the bills totaling the amount of XXXX, XXXX dollars. The teller handed me a deposit slip for XXXX dollars. I immediately questioned it as it was XXXX dollars short. He stated that is all I gave him. I then went inside the branch and asked the teller to get the manager. He proceeded to argue and I told him I was stepping away and waiting for the manager. 

I spoke to the manager and she had him count the drawer. She stated it was accurate. I then requested and investigation and the cameras be viewed. It has been 12 days and have yet to get the matter resolved. I also called the corporate office and spoke to another gentleman to file a second complaint. I have spoken to the branch manager on two separate occasions to no avail. As more time passes it becomes more difficult to verify and the camera footage could potentially be deleted. Thank you for your assistance with this matter.
Consumer complaint received 2020-09-23
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. (GA)

On XX/XX/2020, I disputed inaccurate information on my Equifax credit report. That dispute number is XXXX. I never received a response from Equifax. I called to check the status on XX/XX/2020. The first representative said he didn't see the dispute. I explained to him it was just pass the 30 day mark, and gave him the dispute number. I told him I was reviewing it on their website. he placed me on a brief hold, then a supervisor came on the line and told me the investigation was completed on XX/XX/2020, and the information would remain on my Equifax credit file. I questioned why wasn't it showing completed on their website, but she didn't have an answer. I asked her what was the method of verification they used to complete the investigation, and she confirmed they verified via XXXX XXXX. I asked if she could send me a copy via US mail, and she agreed, since I had not received a response from Equifax. 

I also checked my XXXX XXXX consumer file. There is no indication that Equifax verified any information since the ordinal date of my dispute. It doesn't show an inquiry from Equifax, so I'm wondering how they verified and completed the investigation. 

As of today, I still have not received any communication from Equifax.
Consumer complaint received 2019-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY (FL)

Following up on my complaint XXXX Well Fargo Bank sent me a confirmation letter of the CFPB complaint on XX/XX/2019, to my residential address & a letter, dated XX/XX/2019, CONFIRMING the original complaint details. Nothing is in dispute : the facts I put forth are true and correct. 

By confirming that Wells Fargos own Branch was incapable of recording, copying, duplicating my address verification and government identification documents despite THREE SEPARATE  VISITS to the same Wells Fargo branch is not in dispute. It is the reason I have made the request to withdraw the application and destroy the physically-submitted documents. 

Despite my request to withdraw the application and destroy the documents, Wells Fargo engages in an absurd game over whose information they have in their possession. Its again unacceptable. The market has alternatives and my information should not be held given the egregious treatment of said information. 

If its identifiable to ME, Ive requested it be withdrawn. If they can not get their own Wells Fargo employees to make proper copies, all the more reason to not trust them or their process. 

Last, the letter from the Executive Office is signed by a XXXX XXXX? Is XXXX a legitimate last name? To put it politely, use your full name when trying to fix a problem of your own companys failed, defective process. Dont hide behind failure : own it, XXXX XXXX
Consumer complaint received 2022-07-26
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TRUIST FINANCIAL CORPORATION (KY)

XXXX was taking out with a line of credit for {$25000.00} on XXXX to XXXX a lien was put on the property. This loan was paid off XX/XX/2011 the lien was not released from the original lender XXXX XXXX XXXX The bank has merged three times. 

My loan office and myself have request a lien release six weeks ago. In week four of the six weeks, we requested a follow up on the status. They could not give any information. I called today, requested assistance with the process, no information again. 

I am not able to close on an approved loan application due to the bank not offering or providing any information, by a clearance letter or releasing the lien. 

Thank you for guidance in this situation!
Consumer complaint received 2018-11-20
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

My last account with positive history was removed from my credit report due to 'multiple accounts closing '. Accounts closed due to collection accounts being paid off or collection accounts being removed. As a result, I lost 30 points on my credit report which I have maintained for XXXX for over 10-15 years and increased it to XXXX until this occurred. 

Reporting agencies subsequently changed the status but the creditor did not reopen the account. I did not request closure of account and it has adversely affect my score. 

Company name is XXXX.
Consumer complaint received 2023-03-25
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. (FL)

I am writing to request the removal of unauthorized credit inquiry/inquiries on my credit report. I recently retrieved my credit report and it showed credit inquiries that I have no knowledge of ever authorizing.
Consumer complaint received 2024-05-31
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants and Medical Credit Corporation, Inc. (IL)

Merchants & Medical Credit Corporation , Inc. is communicating false representations to the credit bureaus in multiple ways. 

1. Collector is lying about the opening date in an attempt to unjustly extend the recorded tradeline until XX/XX/XXXX. They report to XXXX that the account was opened in XX/XX/XXXX. However, the statement the collector furnished to me reports XX/XX/XXXX for the opening date. 

2. Collector is lying about the account number to XXXX. Collector furnished an account number to XXXX different from any of the three identifiers printed on the statement. 

3. Collector is lying about the terms to XXXX. They report " 1 months '', however there are no terms. 

I have disputed the item with XXXX. Collector 's agent, XXXX XXXX, in violation of my XXXX letter, contacted me directly. In her correspondence, she states that she believes her reporting is accurate. 

XXXX XXXX and XXXX XXXX are particularly implicated in this fraud because they are signatories to the collector 's correspondence.
Consumer complaint received 2022-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CO)

It has been months since the original account. My funds were frozen because of fraudulent activity. I can't get at the money in account, however they still charge for overdraft fees which are added at least once per week. I owe well over {$100.00} in overdraft fees. I would just like them to close all the accounts and pay me out the funds that are in the account. The bank has never called me. Very poor customer service. When I try to reach out, everyone has a different story about the problem.