davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Ive called XXXXXXXX XXXX informing them of my need of my 1099c i was informed that I can not get it from them I have to get it from another company which is false. The IRS clearly defines a charge-off as Gross or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT. It is very inequitable to make me choose between potential tax consequences and still have XXXX XXXX continue to hold me liable on the debt that clearly states it is charged off. And received security interest on. Because its fact that it is income it makes the reporting of this account inaccurate! By definition by the IRS which clearly says a canceled debt or charge-off is income. The reporting of this account as a debt is inaccurate. The lender must file Form 1099-C and send me a copy if the amount of debt canceled is { {$600.00} } or more this applies to financial institutions, credit union XXXX federal government agency, or other applicable entity. XXXXXXXX XXXX XXXXs a financial institution by definition. any organization whose significant trade or business is the lending of money are subject to this regulation. Additional regulations ( 26 C.F.R. Section 1.6050 P-1 ).

In XXXX XXXX  I wrote XXXX XXXX discussing a deposit account possib
ly associated with my account and have not heard anything in response. According to their card holder agreement If the Account was approved on condition of its being secured or partially secured, the following rules apply : ( i ) you agree to create a Deposit Account, which you shall maintain with us and cause to remain unencumbered, except for the security interest granted to the Bank pursuant to this Agreement. If The Account is closed by you or by us for any reason, and ( B ) we fail to apply the funds in the Deposit Account against amounts owed on the Account or otherwise to us, you may request, in writing, that we apply the funds in the Deposit Account against such amounts. We will honor any such written request after we receive it at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. If the amount in the Deposit Account exceeds the amount you owe the Bank, then, unless you instruct us otherwise After the Account has been closed and there are no amounts owing in connection therewith or otherwise under this Agreement, we can hold the funds in the Deposit Account until the earlier of the following : ( 1 ) we elect, in our discretion, to close the Deposit Account and return any remaining funds to you ; or ( 2 ) not more than 30 days after we receive from you a written request to return any funds remaining in the Deposit Account. it has been well over the time frame with no communication.
Consumer complaint received 2022-04-29
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. (NC)

Credit Bureaus report addresses that do not belong to me. Some addresses are of employers and family but I do not live at these addresses. I've already been a victim of id theft and having addresses that aren't mine makes it harder for me to verify myself without a report in front of me. 

I've disputed with the bureaus but they tell me to contact the furnisher. I can not request a furnisher to remove/update addresses for me if I am not a customer nor account holder with them. 

Hopefully CFPB can assist in correcting my file and getting these addresses removed.
Consumer complaint received 2022-04-29
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: MoneyLion Inc. (MD)

In accordance with the fair credit Reporting act XXXX Account # XXXX, 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 my credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2021-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I made an in-person branch deposit at Bank of America yesterday ( XX/XX/XXXX ) of a XXXX courtesy check. The teller processed the deposit, and handed me a receipt which indicated Hold Codes and explained part of the balance would be available XX/XX/XXXX ( Hold Code A - " A standard hold was placed on your deposit to help protect you and the bank from losses in event the check is returned unpaid ), and the remainder XX/XX/XXXX ( Hold Code D - " A hold was placed on your deposit because your deposited checks totaled more than {$5500.00} in one day '' ). ( Image attached ). This was expected, as I've used courtesy checks in the past.

Today, I received an email stating that " specific information indicates item may be returned '' and that now they're holding the entire amount until XX/XX/XXXX. One day after the check is required to post. 

It is a XXXX check, and there is nothing that would indicate the check " may be returned. '' That wording would fit with two options on the Hold Codes ( Letters G and L ), but neither were applied to my particular deposit. 

The front of the check clearly gives XX/XX/XXXX as the date by which the check must post. I need the check to post by that date in order to have the 0 % APR, ( which I'm still paying {$600.00} to do ). The BofA customer service representative ( s ) I spoke with claimed that the post date ( now, apparently, XX/XX/XXXX ) could not be changed, nor could I cancel that check, although I was the one who wrote the check. If the check posts to my BofA account after XX/XX/XXXX, I will be subject to XXXX 's variable 16.40 % fee.
Consumer complaint received 2020-12-03
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. (FL)

THE ACCOUNTS AND INQUIRIES LISTED DOES NOT BELONG TO ME AND IS NOT AFFILIATED WITH ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME. THESE ACCOUNTS SHOULD NOT BE REPORTING ON MY CREDIT. I HAVE A LOT THAT I WANT TO ACCOMPLISH AND BECAUSE OF THE DAMAGE THAT THESE DEROGATORY ACCOUNTS AND INQUIRIES HAVE CAUSED, I AM AT PAUSE WITH EVERYTHING. I AM ASKING THAT THIS MATTER PLEASE BE RESOLVED. PLEASE RE-INVESTIGATE AND HAVE THEM REMOVED OFF OF MY CREDIT FILE AT YOUR EARLIEST CONVENIENCE.
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

I called Equifax on XX/XX/2022 and XXXX on XX/XX/XXXX about an account that keeps reappearing on my report after being deleted. Reinsertion goes against FCRA regulations. The account XX/XX/XXXX which reported on XX/XX/2022 is a reinserted account for XXXX. The representatives of both let me know to upload an FTC document in order to get this taken off. It appears that their online uploading tool is not working as the bureaus still keep reporting this account after sending them such documents.
Consumer complaint received 2018-02-05
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 have disputed online with the credit bureau but they still keep inaccurate information on my credit file. The information I have disputed numerous times comes back as being verified however I don't receive information that explains how they verified the information with a creditor and remains on my credit file thus affecting my credit score.
Consumer complaint received 2021-10-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (LA)

Received the following email from XXXX with Penny Mac on XXXX. XX/XX/XXXX. Still no attempt to remedy this at all. No phone call, email, or text. After today, I will file a complaint with the XXXX  XXXX XXXX. This is my second time returning this complaint to the CFPB. 5th attempt at getting an answer to the question... 


Your complaint has been sent to the company. 
Weve sent your complaint to the company for a response. 

We will let you know when the company responds. The response should include the steps they took, or will take, in response to your complaint. 

You should receive a status update within the next 15 days. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 PRODUCT Checking or savings account ISSUE Managing an account
Consumer complaint received 2018-02-04
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. (WA)

Equifax is still continuously reporting high incorrect balances and current balances are being changed from paid in full to high balance that is incorrect. I was never late on my XXXX account, and also you will see I have paid both accounts off in full. They do not allow the consumer to dispute online or via any way period. They are corrupt, along with XXXX, and XXXX. During the recent Government shut down, they especially took advantage of the down time, denying consumers access to reports, disputes, or any attempt period to have a fair credit report. I am trying to purchase a home for me and my family and they are purposefully at this point breaking the law by not allowing the consumer access to their own reports, along with no access to dispute incorrect information. This is how smart they are, you can't even pay to have access. LOL kind of defeats the purpose of being in business, or am I taking crazy pills here?
Consumer complaint received 2021-11-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CITIBANK, N.A. (NY)

We XXXX XXXX XXXX in XXXX and during Covid we were not able to pay our personal credit cards and loans so we called the credit card companies to defer the payments and to close out accounts to lower the interest rate. Now, I am current with the credit cards and trying to get pre-qualified to purchase a home but I can't get approved because of the 30, 60, 90 days late payments that were incurred during the end of XXXX through the beginning XXXX. According the president, the late fees were not to be assessed during Covid and the creditors would help out. Well, I come to find out that is not the case since I am trying to get pre-approved and my credit score is being affected from the late payments.
Consumer complaint received 2020-06-03
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}. 
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. 

-- CLOSED ACCOUNT -- 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.
Consumer complaint received 2021-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (FL)

I have received a scam text. It states " Chase : Your card has been declined due to suspicious transactions. To reactivate it kindly visit on : XXXX XXXX XXXX  " Their phone number is listed as : XXXX ( XXXX ) XXXX
Consumer complaint received 2021-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I GOT AN ALERT FROM MY CREDIT MONITORING SERVICE THAT NOTIFIED ME OF A COLLECTION ACCOUNT REPORTED ON MY CREDIT FILE. THIS HAS TO BE FROM MY IDENTITY THEFT CASE FROM A FEW YEARS AGO AND INQUIRES THAT I DID NOT AUTHORIZE.
Consumer complaint received 2020-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (IL)

Someone made unauthorized charge on my CITIBANK card I went into their branch on XX/XX/2020 at XXXX XXXX XXXX and reported that someone used my card illegally. I also sent them a letter on XX/XX/XXXX that I DID NOT MAKE ANY OF THE CHARGES at XXXX. They have no reversed these charges, they have added late payments onto my credit card and have reported me 4 months late for a charge that I never made in the first place. 
It is now XX/XX/XXXX, and so far I have wasted 10 minutes on the phone and now being transferred to representative number 3, who is unable to help me. 
Something is very wrong with this card servicer.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I recently checked my credit report, and I discovered a lot of information reporting that does not belong to me along with fraudulent addresses and incorrect spellings of my name. I misplaced my purse in a restaurant XX/XX/31. Since then, I have been noticing a lot of changes in my credit score. My DL, SSCard and passport were all misplaced, i was told to file this complaint if i saw anything that does not belong to me. I have listed a few accounts in the form and i will list the additional accounts below XXXX ACCT # XXXX BALANCE XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX Please investigate this information
Consumer complaint received 2022-04-29
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. (TX)

I recently checked my credit report, and I discovered a lot of information reporting that does not belong to me along with fraudulent addresses and incorrect spellings of my name. I misplaced my purse in a restaurant XX/XX/31. Since then, I have been noticing a lot of changes in my credit score. My DL, SSCard and passport were all misplaced, i was told to file this complaint if i saw anything that does not belong to me. I have listed a few accounts in the form and i will list the additional accounts below XXXX  ACCT # XXXX BALANCE XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX Please investigate this information
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1700.00}, {$15000.00}. 
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 ) -- COLLECTION ACCOUNTS XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$1700.00} -This is not my account. 

XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$15000.00} -This is not my account.
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have mailed my driver 's license and social security card to XXXX XXXX, Experian, and XXXX. ( XX/XX/2021 } certified to prove my identity and address. On my Experian, an XXXX has duplicate names including the last name XXXX that do not belong to me. I understand also soft inquiries are not an issue, but it is to me ; I have not applied for any utilities such as XXXX XXXX provider services, XXXX, etc. it's over 147 inquiries I am doing my responsibility on my part so, what is the credit bureaus responsibility? They're not doing their part. Yes, I understand we are in a pandemic but are they even taking the time or just do not care about us consumers. We do have rights
Consumer complaint received 2018-02-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

on XXXX2017 I applied to become a business member with Transunion to report my companies tradeline product to consumers credit.

My Company met all credentials to become a business member in addition to getting the XXXX XXXX XXXX reporting software.

Because I am a small XXXX  Owned Business and don't have money for Transunion to have financial/corporate gain, Transunion decided not to extend a business agreem

ent to my company. XXXX XXXX XXXX XXXX is r
equesting a complete response detailing why the business agreement was not extended specifically to my company.

The answer of ( We have reviewed your complaint along with the information you provided regarding this issue. TransUnion has reviewed your request for membership. TransUnions review process is intended to ensure compliance with TransUnion business practices and policies as well as applicable laws, rules, regulations, and standards that apply to TransUnions businesses. Our process generally includes review and third party verifications of each applicants business credentials and on-site inspection. After careful review of your application and data gathered during our credentialing process, TransUnion has decided not to extend membership to your company. ) is not sufficient XXXX XXXX XXXX would like to know 1. What review and third party verifications were completed ( aside from the onsite inspection ).

2. What Data about XXXX XXXX XXXX XXXX  was collected?
Consumer complaint received 2021-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Continental Finance Company, LLC (MN)

I had clicked on a website that believed was a promotional offer for an unsecured XXXX credit limited credit card XXXX  by XXXX XXXX and serviced by XXXX XXXX XXXX toompany. I applied and i was approved. The confirmation email looked cheap, it was formatted weird and looked unprofessional. Another red flag was the basis or explanation for the factors used to determine my credit worthiness, the report stated my credit score was XXXX. I knew it was way lower then that. Today is the 4th day since i applied and i was expecting the card, if it was going to arrive, itd arrive today but instead i received an email from a company called prosper thanking me for applying for a loan but iwas not approved. I never applied for a loan through prosper. There is no company link or contact address on the confirmation email i received for the XXXX  card, just the website html address. XXXX
Consumer complaint received 2021-01-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings (PA)

On XX/XX/2020, IQ Data International reported a balance of {$710.00} on my credit report. I was never notified of this debt prior and was informed by original lender that my balance was paid. In addition, I was informed that if I paid the balance then the collection will be completely removed from my credit report.
Consumer complaint received 2018-02-05
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc. (PA)

Hello, I owe {$130.00} to XXXX. I told the collection company that I don't have the money because I am on XXXX leave. They call me numerous times a day, and if I was on leave in the XXXX why would I have the money in the XXXX. They are harassing me, and I have told them numerous times that I would pay when I could. I have the list of calls they make all hours of the day and I find it so unnecessary. They are very rude! I have the log in my phone of all the calls they make daily. If I had the money, I would pay it just to get them to leave me alone, but I don't go back to work until XX/XX/XXXX. The company is called EOS CCA.
Consumer complaint received 2020-01-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc. (KY)

I was XXXX in XXXX from XX/XX/XXXX to XX/XX/XXXX. I called XXXX XXXX XXXX, explained my situation and to cancel the account. It looks like that did not happen. I have a a collection for {$1200.00} from Online Information Services about this issue.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently received copies of my most recent credit reports and noticed that there is outdated and incorrect information being reported on my credit file. The purpose of the Credit Bureau is to report factual information pertaining to a consumer. I have asked about the following accounts over and over, but get the same e-Oscar generic response.