davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-31
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. (HI)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$110.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- XXXX XXXX XXXX 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$110.00} -This is not my account.
Consumer complaint received 2020-08-31
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. (NM)

In the beginning of XXXX I wrote a complaint about XXXX XXXX XXXX, Equifax and XXXX not correctly reporting an account on my report. On XX/XX/2020 XXXX XXXX XXXX seemed to have corrected the issue by showing the account closed and in collections, however on XX/XX/2020 the account is now showing on my Equifax report as open and current bringing my score back down! According to the fair credit reporting act they are to report accurate information on my credit report and have not done so! If need be I will seek legal representation from a consumer attorney!
Consumer complaint received 2020-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX XXXX XXXX {$750.00} XXXX  XXXX XXXX {$460.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}
Consumer complaint received 2020-08-31
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$460.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

During the COVID crises I put several deferments on obligations such as student loans, car loans and credit card debt that subsequently showed up as delinquent on my credit report, thus exacerbating my ability to seek and secure employment. I would like to use get help from the CFPB to assist me with getting the most accurate and updated reflection of my financial history presented. Like many of us, I've faced some challenges due to COVID and would like to have a fair shot with presenting my employment profile.
Consumer complaint received 2020-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NY)

I was sent a letter in the mail by Jefferson Capital concerning a debt originally from XXXX XXXX XXXX XXXX. Upon further research this account was transferred/sold to Jefferson Capital and I am no longer responsible for the account. Debtor 's creditor did not verify this account. There was NO written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt. Anyone can send a bill and claim that it is mine. According to the FCRA act, XXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Consumer complaint received 2019-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I attempted to restore my excellent credit score with Experian and had no success. They showed on their report that I was delinquent on a gas bill that was not mine. I am a Jr. and the bill was in my late father 's name at his address in the house that I have not lived in since 1994 when I moved to XXXX XXXX, Ohio. I contacted XXXX XXXX XXXX XXXX and the collection agency to straighten things out. Currently my credit score has not been returned to the excellent status yet. Thank you for your time.
Consumer complaint received 2018-02-02
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. (TX)

I requested a validation letter showing my social security number, my texas identification number and my signature and company failed to do so, they send me a letter with only a name saying XXXX XXXX and a signature thats not mines and nothing else i will like this removed out my credit report immediately due to incorrect verification, if failed to do so i will be filing a lawsuit for having incorrect information on my credit report and not verifying correctly wit all the correct details you are damaging my credit worthy ...
Consumer complaint received 2017-12-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (CA)

I wasnt aware that for the {$800.00} loan I was going to be charged 752.99 % APR. The company was not clear about it and I was not made aware that I would have to pay {$2000.00} in finance charges. So my total amount due is {$2800.00}. I believe I already paid 5 payments of {$230.00} Which totals {$1100.00}.
Consumer complaint received 2020-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (GA)

I did a chat with an Aspire Representative on their website today XX/XX/2020 after making a payment. I chatted with XXXX. At XXXX XXXX  I requested to have my monthly fee waived on {$12.00} due to Covid-19 pandemic and that I am unemployed due to the pandemic. XXXX immediately responds back at XXXX that my request was denied and does not provide me any reasons. I have a good payment history and no of that was even viewed or taken into account. Due to me being unemployed I am working hard to pay off my Aspire balance and having a {$12.00} fee assessed monthly during a pandemic is INSANE!
Consumer complaint received 2020-12-09
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: Experian Information Solutions Inc. (TX)

Greetings ; I have inquiry I didnt authorized on my credit report and I want them remove, I dont know how it is possible that some company can check the report without people authorization.
Consumer complaint received 2021-04-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

On XX/XX/2021 I made a transfer in American dollars from my account at XXXX Merryll Lynch to my account in XXXX. However, this transfer was not made and the money was not deposited in my account in XXXX. I was instructed after 20 days to resend the money. There was a charge of USDXXXX plus a fee of USDXXXX which I do not agree with. The responsibility for the error was not mine. The transfer was redone, but I was still unable to receive the money in XXXX. I have been waiting for 60 days to solve this problem.
Consumer complaint received 2021-04-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

I sent the information required by the credit bureau to remove inaccurate information on XXXX, 2021 and they have not removed or even responded to my request
Consumer complaint received 2022-04-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Consulting Services, Inc. (CA)

Dear Consumer Financial Protection Bureau, On XX/XX/2022, I sent a debt verification letter to Credit Consulting Services , Inc., about my alleged medical debt ( of {$340.00} with monthly interest ), and I have yet to receive a detailed letter, verifying my person and justifying the expenses, as of XX/XX/2022. If you can look into this case, that would be greatly appreciated. If not, I will have to go to the courts. Thank you.
Consumer complaint received 2021-04-08
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. (MD)

I have been working to improve my credit since XXXX in order to qualify for a VA home loan. I have attempted several times to have the credit reporting companies to update two specific accounts, of the three major agencies, only XXXX XXXX has been keeping up to date. Experian and XXXX  are both lagging. Experian has even denied a dispute despite having records of payment in full. I have been working with a lender and realtor who are helping me improve my score and as of XX/XX/XXXX, I have decided to start the process of buying a house. Nobody can do anything until these scores are updated. I was instructed to settle these specific accounts, as doing so, will boost me over the minimum qualifications for several loan originators. It takes mere hours for a negative report to show, but it can take over a month or more to show an improvement which is unacceptable.
Consumer complaint received 2021-08-19
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CO)

Experian keep allowing XXXX collections to report false information even though I sent them proof several times they're in violation of the Fair Credit Reporting. Does not show on XXXX or XXXX
Consumer complaint received 2021-04-08
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION (AZ)

1. I opened a savings and a checking account with a bonus of {$250.00} for the checking and {$50.00} for the savings. I received {$200.00} for the checking. I filed a complaint with the CFPB three months ago and have yet to receive a response. 

2. I tried to close the account by sending myself a bill pay and they never processed the bill pay. Great thing they provided me with ONE check that I wrote to myself to close both accounts. 

3. I tried to close my accounts and because I have .XX/XX/XXXXXX/XX/XXXXthey asked me to donate my monies to them to close my account. Not only did they short me {$50.00} now they want to keep my interest. It will cost me more to drive there to get .XX/XX/XXXXXX/XX/XXXX. I want my savings account closed and a check issued. I called on XXXX to close the checking account. Please confirm that it has been closed. 

4. Please send the correspondence relating to the CFPB complaint on my {$50.00} and closure of my account to my home emailing address on file.
Consumer complaint received 2020-11-29
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. (NC)

On XX/XX/2020 I sent a request demanding verification of accounts reported by physical verification according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). I have not received physical verification, method of verification, nor the items removed from my credit report as stated by law. I have also sent a 30 day demand to comply letter with no results.
Consumer complaint received 2023-03-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (FL)

Not only do I continue to receive information regarding a loan that I had when I purchased a vehicle last year. The loan was paid in full by my insurance company when hurricane XXXX hit. Also, the gap claim was never paid out to me. Im constantly receiving the run around! Thirdly, I have yet to be contacted regarding monies owed to me in reference to the lawsuit settlement.
Consumer complaint received 2021-10-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (AL)

On XX/XX/2021, I received correspondence notifying me that my mortgage was transferred from XXXX XXXX  to PNC Bank. I contacted PNC Bank for assistance to establish an online account. The rep. stated that I couldn't enroll until XX/XX/2021. 

On XX/XX/2021, I contacted PNC Bank to establish an online account because the online feature was not working. I was told that I needed a pin # to create an online account. I was given a pin # and then told that I had to enter the pin # within 15 minutes. I did that and the system still did not allow me to create an online account. 

Again on XX/XX/2021, I contacted PNC Bank and the representative tells me that they will have to " mail '' me a pin # in order for me to create an account, but they are " able '' to take a payment from me over the phone in the meantime. 

I explained my concern for providing my banking information without having an established online account. The rep then tells me, " if you don't make a payment by the end of the month, then I will be penalized for the late payment ''. 

In my opinion, PNC Bank has established a business model that will guarantee penalty payments for new customers. The antiquated process ensures no one will be able to set up an online account in time to make online payments ( without a penalty ). For example, if their existing system is unable to recognize my account information to establish an online account, then why should I have confidence that my payment " over the phone '' will be applied to the correct account that doesn't exist. 

This business practice needs to be investigated and PNC Bank needs be held accountable for establishing antiquated systems that provide barriers to consumers attempting to make mortgage payments on time ( without penalty ). 

Thank you in advance for your assistance with this matter.
Consumer complaint received 2022-04-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

My complaint is with shellpoint mortgage servicing. 
Last year, during the pandemic, my house was in foreclosure and even had a sale date. 
I tried so hard to make a new payment plan or get modification from Shellpoint, it never worked. 
And one day they called me and if I come up with XXXX  of payments, they can make my mortgage current and cancel the sale date. 
I was so happy to hear that, so I sent XXXX of payments and they canceled the sale. 
And only a few days later, my loan was transferred to a new servicing company which was XXXX XXXX. And my payments increased by almost {$1000.00}. 
Shellpoint never told me about this. And a few months later my loan was transferred back to Shellpoint mortgage. 
Right now I am XXXX behind on my payment. They would not work out anything unless I sent another XXXX payment.
Consumer complaint received 2021-04-08
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (TN)

I recently sent a letter to National Credit Afjusters making them aware of affidavit filed through identitytheft.gov on XX/XX/2021 regarding a debt they allege I owe, but have never gotten loan through said company. I have yet to get their response.
Consumer complaint received 2021-04-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paramount Recovery Systems, L.P. (FL)

This company just reported four accounts on my credit file. I was never given the opportunity to dispute the information as it is false. This is not right at all what they do to consumers. 

Paramount Recovery Systems XXXX {$320.00} XXXX {$780.00} XXXX {$1800.00} XXXX {$560.00}
Consumer complaint received 2020-08-31
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.my identity has BEEN COMPROMISED AND THIS INFORMATION ON MY REPORT IS VERY INCORRECT. XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX {$7000.00} XXXX XXXX {$600.00} XXXX XXXX XXXX {$560.00} XXXX XXXX {$5700.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX XXXX {$40000.00} XXXX XXXX XXXX {$460.00} XXXX  XXXX {$11000.00}
Consumer complaint received 2021-11-01
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. (NC)

XXXX  is marking my payments as late when my account is currently frozen due to an existing lawsuit with the car dealership. The used car I purchased was illegally modified and would not pass a smog test, as well the engine gave out within a few weeks of purchase. I hired an attorney who named XXXX in the case as I am seeking to have the loan canceled and the car returned and the loan forgiven. Without warning XXXX froze my account due to the lawsuit. When I logged in to make a payment last XX/XX/2020 my online access showed that there were no active accounts/loans with XXXX. When I called I was told that my payments were frozen while in the lawsuit. About 10 months ago I checked my credit score and it had gone from Excellent to the high end of Fair. I realized XXXX had began marking my payments as missed. They never gave me any warning that they would be doing this. I tried contacting XXXX and was sent to their legal department, then was told my attorney would have to speak with theirs. 

XXXX  continues to mark my payments as late and my credit has diminished further. It is now Fair and recently dropped 126 points because of XXXX. Their attorneys have not resolved the issue and my attorney is still trying to settle my case. When I call XXXX the automatic system states that they are actively seeking payment from me, but when I attempt to speak to someone they give me no info or conflicting info. I still can not access my loan, I have not received a single statement, I do not receive emails from XXXX  other than marketing emails, and despite what their automatic system states I have not received a single phone call in regards to making a payment, and I have no way to make a payment to them. They are ruining my credit while I am in a lawsuit with them. I can not apply for a new car loan or a higher credit limit to improve my credit, or apply for an apartment because of my current credit shows over a year of missed payments. My credit would be flawless if it wasnt for XXXX XXXX up. 

I attempted to resolve this through all 3 credit agencies but it is still not resolved. XXXX  is disputing my claims.
Consumer complaint received 2022-04-25
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the fair credit report act XXXX XXXX XXXX  Capitol oneXXXX XXXX XXXX XXXX credit card has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purposes.