davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-23
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. (GA)

There are several items that are reporting inaccurately on my credit file.The following are inaccurate information : Inaccurate Personal Information : Address : XXXX XXXX  XXXX  XXXX Address : XXXX XXXX XXXX The following items are reporting inaccurate lates on the following accounts : XXXX XXXX  - Date Open : XX/XX/XXXX ( XXXX  ) ; XX/XX/XXXX ( Experian & XXXX  ) ; Bal : {$230.00} ; I was never 30, 60, 0r 90 days late. 

XXXX XXXX - Date Open : XX/XX/XXXX ( XXXX  ) ; XX/XX/XXXX ( Experian & XXXX  ) ; Bal : {$0.00} ; I was never XXXX or 60 days late. 

XXXX XXXX  - Date Open : XX/XX/XXXX ( XXXX  ) ; XX/XX/XXXX ( Experian & XXXX  ) ; Bal : {$0.00} ; I was never 30 or 60 days late The following Public Record does not belong to me. The following Public record is reporting in error : Chapter XXXX Bankruptcy : File XX/XX/XXXX All of the inquiries that is reporting is reporting as unauthorized inquiries. I don't know who tried to access my credit report without my knowledge.
Consumer complaint received 2021-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: U.S. BANCORP (IL)

i applied for a checking account with us bank i checked the box that asked if i wanted to attach my usbank credit card to the checking account no where did it say on the application that i was applying for a usbank credit card they did a hard inquiry on my credit i asked them to remove the hard inquiry they refuse to remove it they say it was part of the application process this makes no sense i don't think that you have to apply for a credit card to apply for a credit card to apply for a checking account at us bank and if you do they should tell that you are applying for a credit card
Consumer complaint received 2017-12-15
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. (GA)

I have contacted all three major Credit Reporting Bureaus and have received the same answers from all of them about credit inquiries. Over the past 12 months I have had anywhere from 60 to 80 credit inquires on my credit reports. Fro some reason this did not set off any potential fraud alarms from any of them. 

I started receiving multiple credit denied letters by the mailbox full and I pulled my credit. I contacted the agencies and I was told they were all authorized and for ME to contact each individual creditor that pulled my credit. WHY? Why should I have to spend hundreds of dollars for something I did not authorize. 

I am a victim of ID theft and two fo the three credit reports are now locked. Yet, I am still getting hard inquiries. 

I am also a VERIFIED victim of the XXXX breach. 

I have TWO valid inquires. XXXX of XXXX and XXXX investors. THATS IT OVER THE PAST YEAR
Consumer complaint received 2021-05-24
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: ALLIANT CREDIT UNION (CA)

I applied for a savings account with Alliant Credit Union ( ACU ) ; didn't hear back and then received a letter in the mail stating my application was denied - Alliant used my personal confidential information and pulled my credit but claimed they could not access my XXXX. So, I applied for a savings account again with Alliant Credit Union and provided my California XXXX REAL ID driver license, DOD Military ID, Department of Veteran Affairs issued ID, United States passport book and Phone bill again ; to verify my name, date of birth, address and identity. Alliant Credit Union then asked for access to my XXXX again. I lifted the freeze again. Alliant Credit Union asked for me to lift my XXXX for a third time and XXXX credit bureau ( have two inquires now ) - I lifted the freezes again. After accessing my credit reports, and XXXX several times - Alliant asked me for a copy of my social security card however could not provide me with a reason as to why. When I asked if I was put through the same process as other new applicants the answer was no. Alliant perception is bias and implied that I am a 'fraudster ' based on my characteristics as a single, forty year old, 100 % XXXX Veteran and woman of XXXX. I am a US Citizen - born in Massachusetts. 
Alliant is forcing me to provide a copy of my social security card ( without cause ) or my savings account application will be denied.

Why, does Alliant Credit Union want a signed copy of my social security card? With regard to identity theft, what will Alliant do with a copy of my social security card and use it for? What statute requires that I must provide a copy of my signed social security card to Allied Credit Union in order to open a savings account? Why is Alliant Credit Union putting me through different processes as everyone else?
Consumer complaint received 2020-12-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (NH)

I responded to a XXXX XXXX advertisement about a room for rent. I got in contact with the owner who told me his name was XXXX XXXX. He wrote up a rental agreement and we both signed it. He then had me XXXX him {$1000.00} for a security deposit and first months rent. A different name of XXXX XXXX showed up in the bank statement ; so thats when I knew that he was lying about his name. The XXXX advertisement had then been taken down and he has blocked my number.
Consumer complaint received 2023-03-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (FL)

I applied for a business checking account on XX/XX/23. I opened my account with a {$250.00} deposit from my credit card, and it was charged on that date. U.S. Bank required additional documentation to verify my identity. I provided that, and my account was opened on XX/XX/23. My credit card was charged again on that date. I have provided a screenshot of my credit card account showing these duplicate charges. I reached out to U.S. Bank customer service via chat on their website. I was told to dispute the charge by U.S. Bank customer service. I have provided screenshots of this conversation. After I attempted to wire money to my U.S. bank business account on XX/XX/XXXX, I found out that my account had been closed. I was informed that the reason was because they had received a chargeback for the opening deposit. I explained that customer service told me to dispute the charge, and I was told that a manager would reach out to the department that closes accounts and that I would receive a callback. I never did. I followed up with a different manager, and he was unbelievably rude and dismissive. I was told that there was no way that I could have been charged twice, and that the account closure was my fault for disputing the charge. I implied that I would file a complaint with CFPB, and he discouraged me from doing so. He said that complaint would be dismissed, because I did not have any evidence. I have attached the evidence. This is entirely U.S. Bank 's fault, and they refuse to take any responsibility. I did exactly what I was told to do by U.S. Bank customer service, and they have attempted to blame me for their mistake.
Consumer complaint received 2020-12-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mid-South Adjustment Co., Inc. (AR)

I have disputed this account so many times for incorrect information. The last dispute was XX/XX/2020 and current. This is not a valid debt and ask for it to be removed. {$410.00} for XXXX XXXX XXXX XXXX. This is not my account please remove.
Consumer complaint received 2017-12-15
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: EQUIFAX, INC. (GA)

I have contacted all three major Credit Reporting Bureaus and have received the same answers from all of them about credit inquiries. Over the past 12 months I have had anywhere from 60 to 80 credit inquires on my credit reports. Fro some reason this did not set off any potential fraud alarms from any of them. 

I started receiving multiple credit denied letters by the mailbox full and I pulled my credit. I contacted the agencies and I was told they were all authorized and for ME to contact each individual creditor that pulled my credit. WHY? Why should I have to spend hundreds of dollars for something I did not authorize. 

I am a victim of ID theft and two fo the three credit reports are now locked. Yet, I am still getting hard inquiries. 

I am also a VERIFIED victim of the EQUIFAX breach. 

I have TWO valid inquires. XXXX XXXX XXXX and XXXX XXXX. THATS IT OVER THE PAST YEAR
Consumer complaint received 2021-10-12
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My name is XXXX XXXX XXXX. XXXX. I went to the ATM Machine Drive Thru in Bank of America in XXXX XXXX XXXX XXXX, CA XXXX with my EDD debit card on XXXX XXXX to withdraw cash during business hours. I withdrew {$1000.00}, but it didn't dispensed cash. I have the receipt that the cash is already deducted. I reported it to the no. on the ATM machine. I gave the ATM machine no. I went inside the bank too to report, the bank clerk said do not worry they have camera on each ATM machine. When I called they transferred me to 3 different departments which they asked my card no. to file a claim. I suspect one of them use my no. because their the only one I gave my cards no. Then the next day XX/XX/XXXX there's a fraud withdrawal again from my account which is far away from my place which is in XXXX, CA. which I don't go to. Then I called again and reported it. Then I called again today XX/XX/XXXX, they haven't return my money. and told me they denied the claim. How's that, we should be protected by the bank and also it's their security that messed up. It's not my fault but they are still holding my money. They said it will take up to 90 days. That's not right. The problem is they have merchant, its different company who takes care of the ATM machine that's why there's too many fraud. For me an ordinary person {$2000.00} is a lot of money. Please help me. I don't think it's fair. My email is XXXX.
Consumer complaint received 2020-12-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

I have sent two letter challenging the accuracy of this account one on XX/XX/2020 and the other on XX/XX/2020, and yet still no response. I also see in the comments section where there has been no actual investigation conducted this is a violation of my rights. You have violated my rights under FCRA with a failure to place this items in dispute under section 623 and I demand it be deleted immediately. THIS ACCOUNT IS STILL NOT XXXX XXXX Compliant Delete Now Creditor : XXXX XXXX XXXX Account Number XXXX  *I HAVE ATTACHED BOTH OF MY PREVIOUSLY SENT LETTERS WITH THEIR CERTIFIED MAIL TRACKING NUMBERS AND A SCREENSHOT OF HOW THIS ACCOUNT IS REPORTING AS OF XX/XX/2020 WITH NO " dispute '' acknowledgment in the comments section.
Consumer complaint received 2020-12-03
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 (AR)

Thank you for taking the time out to read my complaint. I was reported late on my credit report ONE time from Capital One bank. It reported XX/XX/2019. I called and explained that my identity was stolen that month and my bank closed my bank account so the automatic payment did not go thru. I advised them of the issue when it happened in XX/XX/2019 by phone call that it may even be late but I was willing to send in police report and even a letter from my bank to verify. After the investigation on my bank and my funds were back I called capital one bank and made my payment and they still reported it. I have been pleading with them to remove it and no luck. I emailed the ceo, mailed and faxed numerous of letters and still no help. Ive despites multiple times and nothing.
Consumer complaint received 2019-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.
Consumer complaint received 2019-08-22
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. (FL)

THE DISPUTED ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Consumer complaint received 2017-12-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

They call and call almost daily ... .leaving no messages. I block the number and then they use another number. I researched them and they have lawsuits against them in other states. I am debt free and owe no money. They are calling for another person and are harassing me continually. I told them no such person lives at this number.
Consumer complaint received 2023-01-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC. (TX)

This number or company from what I understand to be a debt collector Ally has been calling me repeated times since XXXX. 

Today and yesterday Ive been called 3 times & I have been telling them since XXXX to please remove my phone number as they have the wrong person. They are looking for a XXXXXXXX XXXX XXXXXXXX. Theyve assured me that it would be removed but still keep getting the calls. I have asked to speak with a supervisor but will not be allowed to or hung up on.
Consumer complaint received 2021-06-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (IL)

In XXXX of XXXX, we began the process of completing a mortgage modification package with Specialized Loan Servicing, the company that currently services my loan. During this process i have completed at least 5 applications in an attempt to give the property back to the back. Each time their was a significant delay ( 2-3 months ) with the company reviewing my file - the have consistently asked for proof of income, bank statements etc and each time I provide them with the requested documents but their is always a reason why they can not process the paperwork. Their was a second mortgage on the property and i was told that I needed paperwork from the second lender after waiting over 6 months for a response that say they would settle the loan for a reduced amount. Then once I got that, I was told that they could not process my application because I had a second lien on the property and it needed to be removed and they would not settle with the second lien holder. By this time, the 2nd lien holder released the lien, this was in XXXX of XXXX and I was told I needed to complete yet another application ( this was the 3rd one ) and had to begin the process all over. Then I was told that the property was not in broom sweept condition so, I hire a company to clean the house and to remove the items in question in XX/XX/XXXX. They then told me that the system closed out my application automaticly because it took too long to resolve. So, i had to complete another application ( each time having to wait several months for them to review ). Application # 4 was submitted. Then I was told that they could not open my file up because someone on the staff closed out my file by accident. I had to complete a 5th application and still have not heard back about my account which has been pending since XXXX of this year. I called every week, several times a week and finally in XXXX I was told that their was a tree stump and some branches near the central air unit outside that needed to be remove and that they would not close untill it was done. I sent the company I hired back over to the property and they took a picture for me ( I am out of state ) and their was no tree stump or branches near the central air unit. I called again and told them this, I was told they needed to do another inspection on XXXX and it still has not be done. It has been over 2 years since I begin working with the company and they have tried every dirty trick in the book. In the meantime this is hurting my credit each month that it is being reported and interest is continuing to grow over the past 2 years that i can responsible for. 
I need your assistance with resolving this as I have been more than patient with this company.
Consumer complaint received 2020-10-22
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. (CT)

I have a debt on only one of my bureaus which is Equifax. The debt belongs to my deceased father XXXX XXXX XXXX XXXX. I NEVER lived at the residence and I AM NOT liable for his debt just because we have the same name. The company name is : The XXXX AT TR ACCOUNT # XXXX The next item is because of COVID-19 that I got behind on this account. And that account name is : XXXX Account # XXXX
Consumer complaint received 2021-10-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

On XX/XX/2021, I paid off my loan in full with Capital One Auto Finance on a XXXX XXXX XXXX. As of XX/XX/2021, after more than 20 phone calls I have yet to receive my title and am continually told 5 to 7 working days to address my issue. I have spoken with customer service, titling department and various resolution experts with no results. I am still awaiting my title 90 days after the loan was paid in full.
Consumer complaint received 2021-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (CO)

I have spent countless hours trying to resolve an already settled debt for {$1100.00} owned by Receivables Performance. I have called them during business hours two weeks in a row with no answer or call back after leaving a voicemail in addition to sending emails and written communication to request any information regarding the debt that they state I owe. The debt collection company does not answer or acknowledge my communication, nor have a way to make a payment ( even though this was settled in full with the previous debt owner ). This company is horrible and needs to be shut down. They are ruining my credit and no matter how many times I dispute via the major credit companies ( XXXX, XXXX, etc. ) it is added back to my credit report.
Consumer complaint received 2019-08-22
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. (NY)

EVERY TIME I SUBMIT A COMPLAINT WITH THE CFPB THE ONLY RESPONSE I GET FROM THE CRA IS ... ... .. 
( Company 's Response After careful review, we have determined your complaint includes a dispute of information appearing on your credit report ; therefore, we have forwarded your complaint to our consumer relations center for processing. You will receive your results within sixty ( 60 ) days from the date you submitted your complaint to the CFPB. If after the completion of our investigation you have questions regarding the results, we encourage you to contact the creditor ( s ) directly. The business name, address, and, if available, telephone number of the source ( s ) of information contacted in connection with your dispute can be found in the Investigation Results document sent at the conclusion of your investigation. If you need to dispute information on your credit report in the future, you may dispute directly with TransUnion online at https : //www.transunion.com/credit-disputes/dispute-your-credit. Should you have any further questions, please contact www.transunion.com ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX  THIS IS NOT A PROPER RESPONSE PLEASE DO A PROPER INVESTIGATION IN DISPUTED ITEMS ON REPORT.
Consumer complaint received 2020-02-14
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: EQUIFAX, INC. (MD)

I hired XXXX XXXX to act on my behalf to submit an application of Forbearance with XXXX XXXX. 
I was told that there was a mix-up with my social security number and that XXXX XXXX was responsible for the mistake. 
I was instructed that the mistake would be corrected and NOT to make any payments. Any negative activity would be deleted once the social security number was corrected. 

I have tried several times to have this 90 day late remark removed from my credit reports, but XXXX XXXX refuses to do so. 

I have been denied credit because of this mistake which was no fault of my own.
Consumer complaint received 2022-02-10
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

Experian is constantly refusing to use my payment records and accusing me of not paying my bills. Every time I report this they tell there is no record yet they have access to my bank account. It has been never ending through emails I have complained about.