davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-05
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. (IL)

I am distressed that Experian have included the information below in my credit profile and that they have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged items, specifically the contract, note or other instrument bearing my signature. 
1. Mistaken Identity XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 

2. Mistaken Identity XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 

3. This account resulted due to identity theft. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 

4. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX is not mine, delete it. 

5. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX is not mine, please delete it.
Consumer complaint received 2017-10-05
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. (CA)

Why would I have to pay almost XXXX} to freeze my family 's credit when the credit bureau lost my information? I did not ask them to keep a report and now I am supposed to pay to fix THEIR problem? 
Do I have to wait till my credit gets stolen? 
HELLO IS THERE ANYBODY THERE WITH SOME COMMON SENSE and RESPONSIBILITY? 
They make money on our back and when they XXXX up they charge us more?
Consumer complaint received 2017-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (CT)

I paid Lexington Law Firm a total of {$500.00} from XXXX XXXX to XXXX XXXX. I paid them to remove negative items from my credit reports. Lexington Law Firm did not remove any negative items from my credit reports. XXXX XXXX XXXX credit reporting agencies )
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN HONDA FINANCE CORP (NJ)

I am XXXX XXXX filling out this complaint on behalf of myself. AMERICAN HONDA FINANCE is furnishing information to non affiliated third parties and consumer reporting agencies after I opted out of the sharing of my non public personal information including transaction history. I sent them a notice via mail ( certified mail number XXXX XXXX XXXX XXXX XXXX XXXX ) that arrived XX/XX/2024 ( proof of mailing and copy of notice/letter attached below ). The Gramm leach bliley act states that if a consumer gives notice of an opt out request in writing the corporation must process that request within a reasonable time frame. It has been over XXXX  days and they have not complied with my request or sent me an updated report showing proof of opt out execution. Please remove that my account from being shared to any non affiliated third parties including consumer reporting agencies.
Consumer complaint received 2021-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

Account Name : PORTFOLIO RECOV ASSOC ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/2019 Balance : 834 Reason : Identity theft Please remove it from my Credit Report.
Consumer complaint received 2019-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TX)

On or about XX/XX/XXXX - I opened the Wells Fargo Everyday Checking account following a promotion which states that : After having 3 direct deposit of {$500.00} or more within 120 days of account opening, I am eligible for {$200.00} cash back bonus. 

end of XX/XX/XXXX, end of XX/XX/XXXX and end of XX/XX/XXXX - there were 3 separate payroll direct deposits of {$500.00} into this account. 

But Wells Fargo hadn't provided my cash back bonus. 
I have kept my minimum balance of {$1500.00} so I have met all the conditions but I haven't got my cash back bonus of {$200.00}. 

when i inquired this last time - i was given the excuse that " I reviewed your account and our records show that the promotional incentive couldn't be paid because the Tax Identification Number ( TIN ) on file for this account couldn't be verified. '' This is not accurate as I have existing relationship with them - credit card, business checking and mortgage. at the time of account process - it did asked me to login online and complete the process.
Consumer complaint received 2015-07-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

TransUnion file XXXX will not take off the paid in full account by the name of XXXX XXXX XXXX in the report dated XXXX/XXXX/XXXX. XXXX reports twice a month to TransUnion, and they refuse to remove the paid collection until XXXX XXXX XXXX! This is unacceptable and violates FCRA laws! I reported these discrepancy in XXXX XXXX. Now TransUnion continues to create damages to my credit integrity that leaves incorrect information and paid accounts on my report instead of taking it off my report in XXXX XXXX and having my credit scores raised for the months of XXXX and XXXX XXXX. I demand that my credit scores are to be enhanced and rescored from the time the collection accounts were erroneous and incorrect information from the dates of XXXX/XXXX/XXXX with XXXX ( acct # XXXX ) to be reached at XXXX and XXXX XXXX XXXX XXXX XXXX ( acct # XXXX ) to be reached at XXXX. XXXX XXXX XXXX told me they have reported this account paid in full " twice '' in the month of XXXX XXXX and TransUnion wo n't remove it off my credit profile so my credit scores will be raised higher for XXXX the months of XXXX and XXXX of XXXX. Moving forward I give written consent to enter my credit profile. I have attached the creditors letters and receipt of XXXX XXXX XXXX to reflect no lates during my purcase and no lates to reflected on the auto loan before I filed BKXXXX in XXXX XXXX and had the BKXXXX Discharged. XXXX to supposed to show the debt is paid in full and should reflect a zero balance. In addition to XXXX for a medical bill that was paid by Nevada XXXX XXXX see attached XXXX ).
Consumer complaint received 2015-04-20
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Great American Finance Co (IL)

Great American Financial account No : XXXX open date XXXX/XXXX/XXXX my last payment made was XXXX. Great American Financial claim to have received a payment on XXXX/XXXX/XXXX this is not true. I have as for validation and they have refused.
Consumer complaint received 2022-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Im accordance with the fair credit reporting act XXXX XXXX  account # XXXXXXXX XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXXXXXX XXXXdept of Ed account # XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2017-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (PA)

Today, I contacted Equifax in regards to my credit report because they are reporting inaccurate information. As I tried to dispute the information they refused to comply and help with the inaccuracies, I spoken with XXXX, who was in the corporate office in XXXX, XXXX She was very unprofessional, rude and left me on hold for over XXXX minutes while she pretend to assist me with my credit only to tell me that she could be of any assisted to me,
Consumer complaint received 2024-03-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC. (WA)

On this date I received a check for my excess escrow in the form of a check addressed to my ex-husband and me. This is NOT acceptable. I will not be cashing it. If they think I am going to go find my ex and beg for him to sign it and give it back to me, they have another thing coming. Both FHA and servicing providers need to do a better job of protecting the emancipated and sentient value of single women. I will not be paying them to enhance their hedge fund while my hedge is being cut to shreds. PennyMac can't even get an address correct... they still have me living in an apartment when it is a condo which is a UNIT. I have told them this over and over. They have even sent me tax information for my ex-husband using his SS number as a reference. Easement and right to entry to my property by XXXX was ended in XXXX and officially by divorce final in XXXX all documented respectively. I can prove everything I say... including his first new address at the XXXX XXXX down XXXX XXXX!
Consumer complaint received 2022-12-14
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: Experian Information Solutions Inc. (TX)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Experian ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Experian ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Experian ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ( Experian ) These were not authorized by me, I am a victim of identity theft. Per FCRA 6058, this information should be deleted from my credit report. Thank you.
Consumer complaint received 2021-07-11
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. (KY)

I paid off the account in full in XX/XX/2021 and on Equifax and XXXX  still showing a balance of {$1600.00}. Should be a XXXX  balance paid in full in early XX/XX/2021. I disputed this multiple times and it was never corrected.. 

Please update the account to the credit reporting agencies as paid in full.
Consumer complaint received 2017-10-04
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: WEBSTER BANK, NATIONAL ASSOCIATION (IN)

I am an employee of XXXX XXXX University, which has contracted with XXXX XXXX ( a XXXX XXXX affiliate ) to administer its Health Savings Plans. At their direction I opened an XXXX account in late XXXX in order for XXXX XXXX to receive my payroll deduction and contribute its matching funds. That worked without incident until XXXX of XXXX, when my payroll deductions ( and employer matching funds ) began flowing into a new account which XXXX XXXX opened for me, without my knowledge. 

I did not discover this until checks I bounced checks for which there should have been sufficient funds. After several calls and email efforts, I was unable to resolve this with XXXX XXXX, so I contacted my employer. After several requests for assistance, they finally explained that this was a common problem with XXXX XXXX, and had affected many employees in XXXX. At that point, in informed my employer of the potential fraud associated with creating second accounts ( XXXX XXXX was the example ) and that I felt it was both her and my duty to report this to the CFPB ). My university representative secured a promise from XXXX XXXX to contact me within two working days. It is now the end of the third working day and I am reporting their actions to the CFPB. 

I have yet to have any success speaking with a representative of XXXX XXXXk. I am a sophisticated user of financial services, currently have accounts with at least three financial institutions and hold a XXXX. in an XXXX discipline. If I can not resolve this, who can?
Consumer complaint received 2022-12-14
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. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 inaccurate.
Consumer complaint received 2022-01-06
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CCS Financial Services, Inc. (PA)

I recently mailed a certified dispute to Credit Collection Services ( attached ) received as of today after numerous disputes with the credit reporting agencies. After reviewing my report multiple times, it came to my attention that CCS was in direct violation of FDCPA 15 U.S Code 1692e ( 3 ) as well as 1692e ( 2a ) ; as explained and shown in the attachments below. I am demanding that this violation be removed from my report following investigation and CCS be held liable.
Consumer complaint received 2019-03-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

I was given this information thru my XXXX App and seen an account that I don't recognize. I called XXXX and was given the credit reporting agency who had recently concluded on my dispute that the information was accurate. So I tried contacting XXXX XXXX and was repeatedly hung up on for days. They will not furnish any information regarding this alleged account that was supposedly opened in 2007. I made my intentions known that I wanted a description in writing of how the investigation into proving accuracy was conducted. This credit reporting agency is who I want to file the complaint against because I don't believe they have effectively investigated this account. I have no knowledge of this account and was only trying to obtain more information on the original creditor.
Consumer complaint received 2017-10-04
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: TD BANK US HOLDING COMPANY (DC)

Hi, First off just wanted to thank you for reading this and I hope you can help me.
The problem is n't exactly as stated. I have a title problem, but the problem is about transferring jurisdiction not about receiving the title at the end of the payoff period. I still have 6 or 7 months on the loan. In XX/XX/XXXX I  moved to XXXX from XXXX. The XXXX DMV requires that they reissue the title for the car prior to registering.
I called TD Auto Finance, my lender regarding how I should do it. They recommended that I send in the form requesting the title be send to the XXXX DMV, but wanted me to switch my insurance to my new address first. I did that. On XX/XX/XXXX I talked with them on the phone after moving my insurance. They looked at this link ( below ) and reviewed the form and agreed to help. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The title was not sent. They called me back a week later asking for the form. I mailed it in. They called me back after about another week accusing me of stealing my own car. They realized their mistake and said they would help me register my car. At the beginning of XX/XX/XXXX the XXXX in XXXX cancelled my registration as they had been notified by my insurance and lien holder i had moved.
After sending in the form by mail another time, trying to fax it to them 2 more times, writing 4 emails of progressive frustration, and 2 more calls ; I am now paying for a car for the last 2 months that I can not drive as its not registered in any state.
TD has sent me the wrong tracking number at least once and there is no line of sight to resolving this issue.
Please help. All they needed to was send the title. Instead, now I both need that to be done as well as get some relief for not being able to drive the car I pay for 2 months.
thanks, XXXX
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (DE)

I am writing to express my deep concern regarding the recent closure of my credit card account with Venmo which occurred without my permission. I was shocked to discover that my account had been closed and subsequently reported to the credit bureaus, adversely impacting my credit score.

The sudden closure of my account without any prior notification or consent is both unwarranted and unjustifiable. I respectfully request that you reverse this action and reinstate my credit card account immediately. 

I believe that the unauthorized closure of my account violates several consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Under the FCRA, creditors are required to provide accurate and up-to-date information to credit reporting agencies. Closing my account without valid cause and reporting it to the credit bureaus negatively impacts my creditworthiness and is a clear violation of this requirement. 

Furthermore, the TILA mandates that creditors must provide consumers with notice before taking adverse actions, such as closing an account. By failing to notify me beforehand and closing my account without my consent, your company has disregarded this legal obligation. 

I am requesting that Venmo take 's immediate action to rectify this situation by reversing the closure of my account and ensuring that it is accurately reflected in my credit report. Additionally, I expect to receive written confirmation of the account reinstatement and the removal of any derogatory remarks from my credit file.
Consumer complaint received 2024-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (IL)

According to the statement from Citibank to me On XXXX XX/XX/XXXX, I made a payment of {$120.00} to XXXX  card that was processed leaving my account with a available balance of XXXX. Over the next days I made several other transactions and at no point was account ever shown to me to be negative by Citibank. On today XX/XX/XXXX after reviewing my account it was shown that Citibank returned my XXXX  payment of XXXX back to me on XX/XX/XXXX as insufficient funds. My compliant is that Citibank is providing a poor reflection of actual information in the account and is committing fraud by giving me false information and returning funds that were already shown to be processed. Also when speaking with customer service they informed me of transactions of the XX/XX/XXXX but when reviewing the information provided to me by Citibank banking applications there are no transactions listed on the XX/XX/XXXX.
Consumer complaint received 2021-07-05
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. (IL)

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 


1. This account resulted due to identity theft. 
Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2017-10-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stanislaus Credit Control Service, Inc. (GA)

I disputed online with XXXX Account XXXX XXXX XXXX XXXX in the amount of XXXX dollars. This was listed on my XXXX report this is not my account. I have had a problem with identity theft so I have alerts set up when something is added to my credit report. I want XXXX to verify this information to which they can not. I want this item deleted from my credit report immediately. I will also be mailing XXXX a dispute letter from my attorney.
Consumer complaint received 2021-07-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

It has been more than 60 days and I haven't received any written results from credit bureaus regarding my dispute for these accounts : XXXX XXXX Account # : XXXX | XXXX XXXX Account # : XXXX | XXXX XXXX Account XXXX : XXXX | XXXX Account # XXXX XXXX | XXXX XXXX XXXX  Account # : XXXX XXXX XXXX Account # : XXXX