davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-06
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: Credit Karma (MD)

I am distressed that you have included CREDIT KARMA, INC information in my credit profile on XX/XX/2021, XXXX, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I respectfully sent in notarized and certified letters on XX/XX/2021 and still no response. 

Also, please add a promotional suppression to my credit file. 

This company is NOT responding and reporting inaccurate information on my credit report. 

Under federal law, you have XXXX ( XXXX ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX  ( XXXX ) days of the completion of your re-investigation. 

Thank you,
Consumer complaint received 2021-12-06
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. (LA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2021-12-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc (GA)

I will use a paypal account in 2020 and make some legal collections. Then my account was frozen by Paypal for uninformed reasons and banned for 180 days. PayPal reminds me that I can submit my amount after 180 days. Then, on the expiry date, Paypal suddenly stole more than 3000 USD in the account with the act of a robber. And claimed to violate the user agreement. This is an excuse for paypal to cover up its robbery behavior. And now paypal unilaterally forbids the login of my account. PayPal tried to destroy the evidence. please help me. I can't imagine that in the 21st century, there should be such a rogue enterprise. Take my money.
Consumer complaint received 2020-01-29
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: NAVY FEDERAL CREDIT UNION (CA)

I am owed multiple refunds that have been issued by XXXX. Navy Fed initially tried to absurdly match them up to unrelated transactions for completely different refund amounts. I have submitted an avalanche of receipts and paperwork showing the owed refunds, to submit and substantiate my claims. No provisional credit has been issued and my refunds are still missing, with absolutely no explanation given from Navy Fed. They only have worked on finding why NOT to give me my money and things to eliminate from my claims. They have been unresponsive, and ultimately I never got any of my owed refunds. It is the most bizarre and concerning thing. I can not speak directly with the person mishandling my claims and they do not appear to have any type of escalation department I may speak with.
Consumer complaint received 2019-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

They still dont let me see or get my credit report : : : ,seems to me they dont want to fix it, unless I subscribe to monthly paid plan they offered???. I dont have any loans, or any mortgages nor do I have any car loans or payments : : : and they keep asking me this questions in order for me to sign in and print my credit report ) ) ) please help ....
Consumer complaint received 2020-01-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I received a collection letter from XXXX XXXX XXXX in regard to a debt that is owed to Bank of America. The debt does not belong to me. I called the company and the representative stated that she needed my social security number to look up the account. I refused and let her know that if the debt belonged to me she could look it up by name or address but she refused. This collection debt is not on any of my credit reports and I have never owned a Bank of America account. The collection letter is dated for XX/XX/2019 for an amount of {$9800.00}. Reference ID on the statement is XXXX
Consumer complaint received 2018-03-12
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

It is showing on my credit reports that Capital One Auto Finance did a hard inquiry on XX/XX/17. An inquiry letter was sent to the company to provide explanation for the hard inquiry. Capital One Auto Finance responded by stating that my credit was pulled on behalf of XXXX of XXXX. I have never visited XXXX of XXXX or given anyone from the company permission to run my credit or provide my personal information to any other parties. I have never received or been offered any services or financing from XXXX of XXXX.
Consumer complaint received 2021-04-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (TN)

Caine and Weiner added an account from XXXX Insurance to my credit report. Caine and Weiner violated the FDCPA by not notifying me before placing the debt on my credit report nor giving me the opportunity to dispute the debt or have it validated. I am currently disputing this debt with XXXX and filing legal action against XXXX involving this account that I canceled.
Consumer complaint received 2021-09-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/2021 my business online bank account was hacked and {XXXX} was wired transferred without my acknowledgement or authorization. I immediately called Wells Fargo Bank NA. to report that I couldn't get into my online banking account and I had to call the 800 number to check my account. I made a claim to stop the Wire Transfer from happening and I was told that it would be investigated by the fraud department. It would take ten ( 10 ) business days. I received an email from Wells Fargo on XX/XX/2021 saying my funds of {XXXX} was refunded back into my account. Checked my account and no funds for that amount was deposited into the account. An amount of {$XXXX} was put into the account and Wells Fargo said that's was all they could recoup and the claim was now closed Wells Fargo told me to wait for the investigation process and then sent email saying funds of {XXXX} were deposited back into my account and it wasn't. I need my full amount back into my account.
Consumer complaint received 2021-01-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Adler Wallach & Associates, Inc. (CA)

XX/XX/2020 I paid the full amount of XXXX $ to awa collections or 12 two jin inc. It's still on my XXXX  report does not showed I've paid I tried desputing but nothing
Consumer complaint received 2019-08-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCC Business Services, Inc. (CA)

The following company refused to provide me information pertaining to a debt in which I paid off. Upon completion of payoff, they refused to send me a " Paid In Full '' letter by mail and did not provide me any information or notification about their practices as to how I could request a copy of the debt or billing statement showing it was at a XXXX balance. When I attempted to call the agents and managers they played games, told me I had to send a request by email only and upon doing do said they responded stating they wouldn't send me the information to the email I submitted the request from. When I called to complain about the process the reps taunted me over the phone, used inappropriate responses and pretended they were going to hang up on me. It was extremely inappropriate and unprofessional.
Consumer complaint received 2018-03-12
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. (CA)

XXXX XXXX XXXX IS WRONGFULLY REPORTING ON XXXX, TRANSUNION AND XXXX credit bureau files.An offer to settle the charged off account came in the mail from an agent of XXXX XXXX.The agent accepted XXXX dollars to clear the account debt. ( see letter that arrived after conclusion dated XX/XX/XXXX.The charge offed amount was XXXX dollars.The balance reported afterXX/XX/XXXX should have been 0.Yet they reported XXXX dollars on all 3 reports wrongfully damaging my credit.FCRA DICTATES XXXX DOLLARS STATUTORY DAMAGES FOR THIS DAMAGE.THE WRONGFUL REPORTING OCCURRED AS THE RESULT OF THE malfeasance or fraud of the XXXX XXXX AGENT, being transmitted to the bureaus after dispute.
Consumer complaint received 2018-03-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

I am writing to you, because staff from Navient loan company reported inaccurate information lowering my credit score. after I have already spoken to someone and submitted my documents to them they still went ahead and reported that I am late on a loan that I requested to be put on forbearance. I resend the information by mail and by e-mail. This is not the first time that they have done this and I have made numerous attempts to get the matter resolved but was unsuccessful. please investigate this matter and report the correct information to the credit bureau. 

Thank you XXXX
Consumer complaint received 2021-12-06
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: JPMORGAN CHASE & CO. (MD)

I am distressed that you have included JPMCB information in my credit profile on XX/XX/XXXX and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I respectfully sent in notarized and certified letters on XX/XX/XXXX and still no response. 

Also, please add a promotional suppression to my credit file. 

This company is NOT responding and reporting inaccurate information on my credit report. 

Under federal law, you have XXXX ( XXXX ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX  ( XXXX ) days of the completion of your re-investigation. 

Thank you,
Consumer complaint received 2018-10-06
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC (IL)

The Phoenix financial services called me 5 times on XX/XX/2018 from phone number XXXX XXXX XXXX XXXX XXXX XXXX I asked the lady the called for the 5th time if that is protocol that they call continuously she said it is standard in their procedures
Consumer complaint received 2021-02-01
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. (MA)

I purchased a new car from XXXX XXXX XXXX of XXXX, NJ in XXXX XXXX. Approximately one month after the purchase I discovered an issue. When purchasing the vehicle XXXX XXXX input the incorrect contact information on my account. The social security number, DOB, etc. on the account does not match mine. For this reason I am unable to access any online services for this loan, including my account number, online payment, and most importantly auto-pay. My only way to pay XXXX/XXXX was to pay over the phone when they called me. They didn't call in XXXX, I can only assume this was due to COVID. I contacted XXXX/XXXX on multiple occasions but they were never able to fix the issue. 

In XXXX of XXXX I realized that XXXX XXXX were reporting a late payment on my account from XX/XX/XXXX. At that time I attempted to reach-out to XXXX XXXX via phone at least 5 times to address the reported late payment. I was told by the front line customer service reps that there was nothing they could do to resolve the reported late payment, despite the incorrect information on my account, and that a manager would call me back. The managers called at times when I was unavailable, so I returned their calls leaving voicemails each time. I never received additional follow-up from them. 

In addition to calls directly to XXXX XXXX, I've sent them a letter outlining the situation and asking them to change their credit bureau reporting. I've also reported the error through the credit bureau dispute processes. Unfortunately, none of these efforts have led to resolution of this issue. 

XXXX XXXX 's inaccurate reporting is significantly negatively impacting my life. Tonight I attempted to finance a new cell phone ( only a {$1000.00} purchase ) and was denied by two different banks. If this one late payment were removed from my account XXXX XXXX estimates my credit score increases from XXXX to the XXXX range. This late payment seems to be the only reason for denial of my credit applications. 

Thanks in advance for your help!
Consumer complaint received 2019-08-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (NY)

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX  data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.
Consumer complaint received 2019-08-27
Product: Credit reporting, credit repair services, 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. (KS)

I have been attempting to dispute fraudulent and incorrect information on my credit report with each of the bureaus. I provided additional documentation regarding a dispute and investigation request, and it has been over 30 days.
Consumer complaint received 2021-12-06
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. (GA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-12-06
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. (GA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXXDate of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-12-06
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. (LA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXXA Inquiry Date XX/XX/XXXX
Consumer complaint received 2018-10-06
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. (TX)

I like to inform you that I have a problem with my credit report in which the site didn't have anything to choose from that fits my problem. 

I have over 13 inquiries below on my credit report in which I didn't give anyone permission to pull my credit report. Also, my real name is XXXX XXXX XXXX I need XXXX, Experian, and XXXX  to investigate with each company. To make sure they have a signed document, audio recording, and electronic signature stating I have given them permission to pull my credit report. I am attaching a copy of my credit report for review and investigation. This is my first steps to removing all the inquiries off my credit report that doesn't have legal proof that they belong on my credit report. 

Also. I like to inform you that there are judgment and civil judgment on my credit report in which I have never done any business with the company that placed the judgment on my credit report. I like for the two credit bureaus to provide documentation that proves I have done any business with the company who placed the Judgement on my credit report and civil Judgement on my credit report. 
Finally, there is an address XXXX XXXX XXXX, XXXX, PA XXXX. I have never lived at this address I only lived in Texas only. Then there are jobs on my credit report that I have not worked at because I have been in business since 2004. I am the XXXX  of XXXX XXXX XXXX  and XXXX XXXX of XXXX XXXX   XXXX XXXX XXXX. 
I am going to provide two different copies of my credit report so, XXXX, Experian, and XXXX can review both reports. 

The companies below did not have the right too pull my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (CA)

I started the loan refinance process with Citibank 1 year ago and unfortunately am still not receiving an appropriate level of service from XXXX XXXX and XXXX XXXX. My file was finally cleared as of XX/XX/XXXXwith all required paperwork, almost 12 months after I started the process with Citibank. 

From the very beginning of this refinance process, I have been very clear about my intention to bring money to closing in order to reduce my loan amount and monthly payments. At some point last year, my loan was passed along from XXXX XXXX to XXXX XXXX. Unlike XXXX who was very helpful at the start of the process, it has been very challenging to get hold of XXXX or get adequate support. XXXX did not reach out to me to explain or clarify the details of the closing process. This is an issue because I wanted to bring cash to closing. After 1 year of going through this painful refinance process and finally setting a closing date as XX/XX/XXXX, I am now learning that the loan amount can not be changed without going through underwriting again and further delaying the closing. XXXX blamed and scolded me for not notifying him earlier, when it was clearly mentioned from day one. 

I have spent hours emailing and calling for support, but have not heard back from either XXXX XXXX or XXXX XXXX in a timely manner. Due to the 12-month delay, I have lost thousands of dollars in interest I could have avoided paying. I also lost an opportunity to build additional equity that would have resulted from changing from a 30 year to 15-year fixed mortgage. 

I would like Citibank to reimburse me for the expenses I have incurred during this process, including the fees paid to XXXX XXXX and XXXX XXXX who have not supported me much during this year long process.