davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-30
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. (MN)

For some time I did not know what was going on with all these fraudulent accounts on my credit report. Then I found out that my son and ex-wife potentially open the accounts in my name. for many of the accounts they did not have my correct Social Security number. So there is no way my Social Security number is on any original application that these people could have. In fact most of the information would likely be wrong because it was not me. These accounts have come back confirmed somehow as my accounts when they are not I need something done about this immediately please. This is affecting my financial situation in a negative way.
Consumer complaint received 2024-05-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: AMERICAN EXPRESS COMPANY (FL)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX XXXX : XX/XX/XXXX XX/XX/XXXX American Express XXXX XXXX XXXX XXXX XXXX, TX XXXX Account Number : XXXX Dear Sir/Madam, Subject : Third Request for IRS Form 1099-C I am writing to formally request a copy of IRS Form 1099-C for the debt associated with my account number XXXX. This is my third attempt to obtain this document. As a responsible taxpayer, I require this information for my tax records. According to IRS regulations, creditors are obligated to provide this form when a debt is canceled or charged off. 

To date, I have not received the required documentation, which is causing issues with my tax filings and financial records. I request that this matter be addressed promptly. 

Please send the copy of IRS Form 1099-C to the address listed above or via email at XXXX. For your reference, my details are as follows : - Name : XXXX XXXX - Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX - SSN : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am also forwarding a copy of this letter to the Consumer Financial Protection Bureau XXXX CFPB ) and my attorney, XXXX XXXX XXXX P.A. XXXX to ensure that this request is duly noted and expedited. 
I appreciate your prompt attention to this matter and look forward to receiving the requested form soon. 

Sincerely, XXXX XXXX XXXX : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-05-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

I opened a brand new checking/savings account with Citizens Bank XXXX XX/XX/XXXX. Subsequently, I transferred {$900.00} into the Citizens checking account from my XXXX checking account, that was processed and present in the account as of XX/XX/XXXX. On Monday ( XX/XX/XXXX ) I wasn't able to log into my account, so I called customer service. The Citizens Bank agent told me that the account was actually locked and he couldn't get into it but that I'd receive a letter in the mail. I called and was able to get through to the fraud department within Citizens Bank and spoke to a supervisor who stated the account was closed as of XX/XX/XXXX and that I could either go into a local branch to 'try ' and withdraw my {$900.00} or I'd receive a check in the mail ( which I feel is vague/misleading ). She also could not give me any rationale or reasoning behind why or how this could've happened, let alone so quickly after I just opened the account.
Consumer complaint received 2017-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ERC (NY)

This is an old account that had aged off my credit report and now shows as new debt that is delinquent. Company bought this account and is trying to collect by fraudulently dating it as new debt. Please remove this from my credit report or correct the true age of this debt. They have dated it as XXXX/XXXX/XXXX and assigned date of XXXX/XXXX/XXXX. Never had any credit with ERC on those dates. Actual debt was with XXXX from over 6 years ago.
Consumer complaint received 2016-12-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Empowerment Ventures, LLC (TX)

I closed my account with Rushcard over 90 days ago with an outstanding balance of a little over {$60.00}. I was told that I would be issued a check for the remaining funds within 7-10 days. I waited 30 days and contacted them again, and was told the same thing. I never received my funds. I called after 30 days again and was told once again they would mail me a check or send me an activated card in 7-10 days. I requested that they overnight a check, because I do not want another card in which I will have to pay fees to use. I was told they can not overnight anything and I would have to wait another 7-10 days. This is unacceptable. They have already withheld my funds from me for too long and do n't provide answers or solutions when contacted.
Consumer complaint received 2015-10-14
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Empowerment Ventures, LLC (TX)

Rushcard XXXX has been doing a system update since Sunday. Customers were told that the update would be done by Monday XXXX but nothing has been done and no notification have been sent. The customer service number is out of service and the online access is down. I have not been able to speak to anyone at the company regarding this issue. This is a company wide issue and a lot of people are affected by this. we have not been able to access or money, transfer funds or use our debit card since Sunday XXXX/XXXX/2015. This is a major problem and it seems that the system has possibly been hacked or we are all victims of fraud/scamming.
Consumer complaint received 2015-12-13
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SCOTTRADE BANK (CA)

I opened a Scottrade Bank account a while ago. Scottrade Bank closed the account without providing a proper explanation. I have requested an explanation from Scottrade but every time I call them they say they will only speak to customers and since my account is closed I am not a customer. 

I would warn others of this behavior, if you have any dispute with Scottrade, I would advise that you withdrawal all of your funds before brining it to the attention of Scottrade as it is likely Scottrade will place your money in limbo and not allow you access to it. 

Now Scottrade wo n't even respond to my complaints. If this is how a business treats customers, well, I will happily take my money elsewhere.
Consumer complaint received 2017-10-08
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. (NE)

****Previous small claims case is dismissed due to intentions to file federal complaint if correction is not made. All communications will be used to establish basis for federal complaint******** I have tried diligently to communicate to the CRA that there were multiple unauthorized inquiries into my credit that were a result of a rogue employee at an automotive dealership. I have provided evidence that I did not authorize the inquiries and even showed an email that the dealership admitted to the unauthorized submission to the lenders and categorized the submissions as accidental. I have filed a complaint with the FTC and asked the companies directly to withdraw their inquires.CRA has blatantly disregarded my request to have the inquiries withdrawn despite the evidence that has been provided.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: M.A.R.S., Inc. (OK)

I hereby exercise my rights under the Fair Debt Collection Practices Act ( FDCPA ) and demand that all communication related to this alleged debt cease immediately. I am formally requesting that you and your agency, as well as all associated parties, cease any contact with me, either in writing or by phone, all forms on contact to cease regarding this matter. 

Please be aware that I am aware of my rights as a consumer under the FDCPA, and any further attempts to collect this alleged debt without proper verification and validation will be considered a violation of the Act. I also request that you provide me with documented proof of this debt, including its origin and the legitimacy of your claim, as required by law. 

Until proper validation is provided, I consider this matter unresolved and will not entertain any further communication on this subject. Any negative reporting or attempts to damage my credit standing based on unverified and disputed information will be dealt with accordingly
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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 inagcurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( il ) the information is, in fact, inaccurate. 
Unbelievable that the bureau are getting away with this. 

Remove accounts listed below immediately off of credit Report : XXXX XXXX- XXXX XXXXXXXX XXXX XXXX Account number XXXX XXXX
Consumer complaint received 2017-10-08
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: EQUIFAX, INC. (CA)

I recently pulled my credit report from XXXX and noticed many accounts listed on each of my reports as a collection/chargeoff. I immediately disputed this information with XXXX multiple times and the results of the investigation have always came back as " verified ''. I did not have an account with any of these creditors during this time period. 
Since I have disputed the account with the credit bureau, and they have verified them, I would like to see what sort of records they have for these alleged accounts. Under the new FACTA laws, you are required to conduct an investigation on this account, and I am now requesting it. I will seek legal action under FCRA 623 ( b ) for violations of the FCRA if you do not comply and respond to me with the results of the investigation within 30 days of your receipt of this letter.
In order to clear up this matter, I would like to see, a signed contract showing me that I indeed had an account with these companies. If you do n't respond with the results of the investigation ( as is required per the FCRA ), I will assume you have no documentation and therefore you were negligent in reporting accurate information on my credit report. At this point, you would also be in violation of the FCRA merely for not responding within the 30 day period.
To avoid a lawsuit, I request that you remove the accounts from my credit report. Please delete these listing or I will be forced to seek legal action.
Consumer complaint received 2017-10-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently pulled my credit report from TransUnion and noticed many accounts listed on each of my reports as a collection/chargeoff. I immediately disputed this information with TransUnion multiple times and the results of the investigation have always came back as " verified ''. I did not have an account with any of these creditors during this time period. 
Since I have disputed the account with the credit bureau, and they have verified them, I would like to see what sort of records they have for these alleged accounts. Under the new FACTA laws, you are required to conduct an investigation on this account, and I am now requesting it. I will seek legal action under FCRA 623 ( b ) for violations of the FCRA if you do not comply and respond to me with the results of the investigation within 30 days of your receipt of this letter. 
In order to clear up this matter, I would like to see, a signed contract showing me that I indeed had an account with these companies. If you do n't respond with the results of the investigation ( as is required per the FCRA ), I will assume you have no documentation and therefore you were negligent in reporting accurate information on my credit report. At this point, you would also be in violation of the FCRA merely for not responding within the 30 day period. 
To avoid a lawsuit, I request that you remove the accounts from my credit report. Please delete these listing or I will be forced to seek legal action.
Consumer complaint received 2024-05-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc. (GA)

I don't recall having a contractual relationship with this collection company CREDIT MANAGEMENT LP # XXXX. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2016-03-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (MN)

On XXXX/XXXX/16 I leveraged US Bank 's website to re-order checks for my account. It sent me to an associated 3rd party vendor, which was authorized to print, mail, and charge for check orders. This 3rd party is called XXXX XXXX XXXX , XXXX. 
I went through their process to design and order my checks, in doing so I was provided information that illustrated that my order had a Discount. This discount matched the subtotal for my order through the process. At order confirmation, it was still illustrating to me that my Order Total was {$0.00}. As such, I thought I was ordering my checks and authorizing them to not charge me a fee, as that is what was presented. Then on XXXX/XXXX/16 I saw a " Check Printing Charge '' for {$54.00} taken from my account. On XXXX/XXXX/16, I filed a inquiry to XXXX to clarify what had happened and to ask for a refund. On XXXX/XXXX/16 I received this response : I 'm sorry if the fee was n't displayed before you submitted the order. I will certainly research if this is an issue on our end or deluxe. You may return the checks to your nearest branch at usbank.com/locations. In the future, you may call us anytime at XXXX to ensure there is n't a fee. 
I replied with attachments that illustrated " Discount '' and authorized total of {$0.00}. Then I received this response : Thank you for your reply. This why I suggested for you to visit the nearest branch, so you can return the checks and they 'll have the fee refunded to you. 
I do not understand why, if I was presented {$0.00} for my order, and that is what I authorized why I was billed {$54.00}. In addition, I do not understand why US Banks customer service wants me to return the checks to be refunded.
Consumer complaint received 2017-01-04
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (CA)

In XXXX I purchased a XXXX from XXXX in XXXX XXXX California. I provided them with my ssn and gave them permission to pull my credit ONLY ONCE my score was XXXX so there was no reason for them to continue to " shop my loan '' XXXX Pulled my credit for their own financing and they allowed XXXX other vendors to pull my credit they are all on the same day so its easy to know the purpose. I have repeatedly requested to have all inquires deleted except the initial pull and as of today they are still on my Experian Report and EXPERIAN has not removed them despite my requests. 
In XXXX i only authorized XXXX pulls of my credit, XXXX ( pulled twice for same apartment application ) XXXX time for my apartment and the utliities despite my ongoing efforts Experian has failed to clean up the UNAuthorized inquiries from XXXX and now again in XXXX as a result my credit score has lowered despite my perfect credit history.
Consumer complaint received 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

On XX/XX/XXXX we hired a credit repair agency to clean up my report and on XX/XX/XXXX we saw the improvement we were looking for and proceeded to put an offer in on a house and go under contract the next day. We were however off by just a few points and the credit repair agency said they would be able to get those number up before we closed. 

However when we got the report on XX/XX/XXXX - USAA reported two additional past due, one at 60 days and one at 90 days on a closed account from XXXX. These two additional hits caused a 25+ point drop in my credit score. 

This was done and we now have no recourse and according to USAA it will take 60 days to fix in what took them 6 days to destroy. The issue I have with their error is that 25+ will cost us almost {$12000.00} because if we would have gotten the 10 points based on the XX/XX/XXXX report we would have gotten lender credits to cover all the costs required to close on our house. 

Because we did not find this out until 10 days before closing we feel our hands are tied but we want this to be reported that USAA is in fact not taking care of Veterans which is their tag line but in fact finding ways to punish them and leave them out to dry.
Consumer complaint received 2015-10-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Commonwealth Financial Systems, Inc. (TX)

Commonwealth Financial Systems ; Collection Reported XXXX ; Assigned XXXX ; was disputed with another collection company by the name XXXX XXXX for {$360.00} ) XX/XX/XXXX and deleted because it was identity theft, after sending them all the paper work I was told by the XXXX that my information was not on file, I have proof of the fax and they should have proof of the phone by law! this should be a illegal collection act! AND I WAS NOT CONTACTED BY THIS COMPANY I HAD NO IDEAL ABOUT THIS DEPT, THAT THEY PLACE FOR COLLECTION THAT WAS WRONG!!!
Consumer complaint received 2017-10-08
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. (CA)

Equifax was negligent in securing very important personal information that led to a security breach, affecting almost half the country 's population. We all know when this happened. I am also a potential victim according to their equifaxsecurity2017.com website. They have also failed to notify anyone in a timely matter after they discovered they had a security breach, instead waiting months to release the news.
Equifax is also attempting to capitalize on their own mistake by offering paid credit security services and also including hidden terms of service that waives the right to sue the company itself after their own negligence.
Consumer complaint received 2017-04-30
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. (MI)

In   XXXX   XXXX  , credit unlimited requested on my behalf that   XXXX   XXXX   XXXX   remove a closed mortgage account that was dated last activity in  XXXX  on all three credit bureaus. The last payment that I made on this account preceded  XXXX  which makes the account past the 7 year mark. I could never get proper documentation and the account can never be found by   XXXX   XXXX   XXXX   when I was trying to short sale the property that the lien was attached to .   XXXX   XXXX   XXXX    could never find the account.     Experian removed the account. Equifax updated the account as closed in  XXXX . Transunion added a second account with a different account number in   XXXX   XXXX   saying it is currently active and reporting late and a foreclosure has been initiated.     1. The title to the property was transferred   XXXX   XXXX   XXXX  hat the original lien was attached to.    2.  I do not own any property for   XXXX   XXXX   XXXX     to foreclose on.    3. This loan was sold 3 times since opening in   XXXX   ; me and my realtor requested a copy of the promissory note. The original promissory note and the account could never be found.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (OH)

Ive reached out to this company exercising my rights to opt out of sharing my personal information with third party companies such as XXXX, XXXX and XXXX, to no avail. Im requesting this company to provide documents of my signature giving consent to share my personal information and return it in the responsible
Consumer complaint received 2022-02-14
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. (PA)

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. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX