davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank Of America XXXX Closed XX/XX/2022 i called XX/XX/2022 Closed my B of A credit card due to a XXXX I paid XXXX i was XXXX was Due in XX/XX/2022. 
I Missed XXXX Payment I Missed XXXX Payment please with XXXX XXXX and XXXX XXXX XXXX and i was XXXX I call both credit card companies to correct the payments arrangements I never received and written statement stated that i was 30 day behind to my Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-10
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: Consumer Portfolio Services, Inc. (MD)

After receiving all three ( 3 ) of my credit reports, I noticed an entry from Consumer Portfolio Services , Inc. regarding a car. I disputed the entry as fraud via the three ( 3 ) bureaus and was referred to the company directly. I sent CPS a dispute letter directly dated XXXX XXXX, 2020. I made them aware that I'm a victim of Identity Theft and that I never opened an account with them. I also requested, pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, validation ( that is competent evidence bearing my signature ) showing that I have ( or ever had ) some contractual obligation to pay them. CPS responded with a letter dated XXXX XXXX, 2020. The letter stated the information reported to the bureaus was accurate and included an unsigned contract bearing an incorrect address.
Consumer complaint received 2020-11-17
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: General Motors Financial Company, Inc. (CT)

I submitted several disputes with each credit bureau. I have been a victim of identity theft and as a result my personal information was used and compromised. Several accounts showing on my credit report are listed as a result of identity theft. I have contacted XX/XX/XXXXand they are refusing to remove these fraudulent account as well as XXXX  and I am not able to gain access to XX/XX/XXXX so that I can dispute these fraudulent accounts with them as well. I have submitted a verified police report as well as an FTC affidavit as verification of being a victim of identity theft. When contacting XX/XX/XXXX I was told by a representative of the Specialized Fraud Department, that once a dispute is submitted and the company says that the account is yours they will not remove it. This has caused me a major hardship, because my information was stolen and I have been victimized.
Consumer complaint received 2020-12-10
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)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.
Consumer complaint received 2020-12-10
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)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.
Consumer complaint received 2021-04-09
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: BARCLAYS BANK DELAWARE (CA)

I opened a savings account with Barclay. Before they opened my account, they asked identity verification documents including state ID, SSN and bank statement for the account I used to open the account. After submitting the documents, they approved my account. I added two additional accounts of mine. Then they blocked my account and asking for further verification documents. I was waiting for trail deposit to arrive in my external accounts to verify them before they suspended my account. Now they say they can not verify ownership of those accounts, which is ridiculous. I already submitted enough documents to verify identity. They are unreasonably requesting further documents. I would be willing to comply if there were justifiable reasons for that, which I don't think there is. I think they are abusing the process and targeting me because I'm XXXX and because of my name.
Consumer complaint received 2021-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

XX/XX/XXXX {$1800.00} unauthorized XXXX  transaction was done to an unknown account XX/XX/XXXX {$900.00} unauthorized XXXX  transaction was done to an unknown account i called and disputed both these transactions and an investigation was done and my refund was denied because i was told the transactions were indeed authorized.
Consumer complaint received 2020-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Credit Control (CA)

Continental Credit Control is reporting a debt for an account that was paid. The initial medical provider changed names four times ; XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX creating confusion & turned the account over to a collection agency. In spite of the account being paid my call to the collection agency, upon receipt of their bill, met with demand for payment + interest in order to delete their credit reporting from my credit bureaus. And I was told if I did not pay the frivolous debt within a couple of hours it would remain on my credit as it would be construed as " Credit Bartering '' if removed at a later date. I did reluctantly pay, to restore my credibility in the credit community, after being assured by XXXX XXXX & her Supervisor " XXXX, '' whom refused his last name, that their reporting would be deleted. I was also told by " XXXX '' that he was deleting the reporting as a courtesy, because of the confusion in billing ( s ) & any refund of over-payment could be obtained from XXXX. This collection account is still on my credit bureaus. This isn't " Credit Bartering '' as claimed would be considered if not paid within hours by Ms. XXXX, nor were their actions courteous as claimed by " XXXX. '' Their actions were tantamount to extortion.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2020-12-10
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. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-12-10
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)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to file a formal complaint with the CFBP regarding fraudulent accounts that have been inaccurately reported on my credit report. These fraudulent accounts are damaging my creditworthiness and financial standing, and I am seeking your assistance them promptly removed. Under the provisions of the Fair Credit Reporting, I am entitled to accurate and up-to-date information on my credit report. It has come to my attention that the following fraudulent accounts have been reported : Account name : XXXX XXXX  XXXX account number XXXX Date opened XX/XX/XXXX. 
Account name XXXX XXXX account number XXXX Date opened XX/XX/XXXX. I did not open or authorize accounts, and they are the result of identity theft ot fraudulent activity. I have taken the necessary steps to dispute these accounts with respective creditors, but to no avail. Despite providing evidence of the fraudulent nature of these accounts, they continue to negatively impact my credit report and financial well being. I am requesting that the Consumer Financial Protection Bureau intervene in this matter and facilitate the removal of these accounts from my credit report. The CFPB mandates that credit reporting agencies ensure the accuracy and integrity of the information they report, and it is clear that these accounts do not meet that standard. All of these accounts must be removed from credit report.
Consumer complaint received 2020-09-17
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. (MN)

When you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have reasonable cause to believe that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) You may be exempt from this requirement if you give an address for consumers
Consumer complaint received 2020-12-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (NJ)

Hello, I had taken this loan in 2006. I was in dire straights to pay for college and took out this private loan. I initially borrowed {$5000.00} and besides the breaks from finishing my degrees and getting my XXXX, I have made timely payments. To date I have paid a total of {$9500.00} towards this loan and today I have a balance of {$4700.00}. 

I have reached out to the lender to discuss a settlement offer, which they denied. I believe there is some unfair interest practice associated with this Lender. The initial loan was borrowed from XXXX and now it is managed by XXXX. 

Please tell me there is something that can be done. I am very responsible with my debt and to date have paid off 2 student loans with 1 more to pay off by the end of the year. I also have Federal loan debt which is a burden all in itself. 

Any assistance that can be offered would be greatly appreciated.
Consumer complaint received 2020-12-10
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)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-12-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

on XXXX/XXXX/XXXX after checking my credit report I noticed a derogatory remark on my credit report from a collection agency called XXXX XXXX who bought a debt from " XXXX ''. After contacting this company via mail and phone to validate this debt which is not mine the companies account was removed from my credit report. This is was not the first time I 've had to request validation from XXXX or their creditors. I once had 3 different accounts at different addresses on my credit report showing seriously delinquent all which were removed due to them not being mine. Today XXXX/XXXX/XXXX I wake up and there is a new account on my report from " XXXX XXXX XXXX XXXX '' original creditors " XXXX '' for {$770.00}. I called XXXX and was told they do not handle these disputes and it seems to be fraud. I was advised to call the Credit bureau. I then called XXXX and was advised that " its a wash and rinse process and only thing they can do is keep disputing the accounts if collection agencies continue to sell, and also to contact the CFPB, FTC, and State attorney general office. so here we are!!
Consumer complaint received 2023-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (SC)

Southwest Credit Systems XXXX violated my rights 15 usc 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 usc 1692b ( 2 ) not state that such consumer owes anydebt ; I have attached my ID, social, & proof of residency during the date of service. This account is being inaccurately reported on my credit.
Consumer complaint received 2020-12-10
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)

I have been monitoring my credit for some time now and when I received my most recent update and it shows an account with the Department of Treasure in the amount of XXXX and I do not owe the govement anything, nor have I received anything from them indicating this. There is no open date showing nothing. I then called the number listed on the report and it indicates it's an nonworking number. This needs to be removed
Consumer complaint received 2020-12-10
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. (PA)

on XX/XX/2020 I submitted a Dispute with Equifax, XXXX, and XXXX. In this Dispute I asked these companies to Delete the information on my credit report because they were not reporting 100 % accurately. I also Asked these companies to send me verifiable proof. On XX/XX/2020 I still Did not receive a response from the credit bureaus so I sent in another letter asking for proof of a investigation from the bureaus. and still there was no reply. I sent another letter out letting the bureaus know that they were violating my rights as a consumer by not responding to my request. It is now XX/XX/2020 and still I have not received a response from the credit bureaus.
Consumer complaint received 2020-12-10
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. (PA)

on XX/XX/2020 I submitted a Dispute with XXXX, Transunion, and XXXX. In this Dispute I asked these companies to Delete the information on my credit report because they were not reporting 100 % accurately. I also Asked these companies to send me verifiable proof. On XX/XX/2020 I still Did not receive a response from the credit bureaus so I sent in another letter asking for proof of a investigation from the bureaus. and still there was no reply. I sent another letter out letting the bureaus know that they were violating my rights as a consumer by not responding to my request. It is now XX/XX/2020 and still I have not received a response from the credit bureaus.
Consumer complaint received 2020-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I had a Capital One credit card that I had as a teenager, maxed it out, and never payed it off. Now as an adult, I wanted to right that wrong. I called Capital One on XX/XX/2020 to pay in full. After giving a representative my debit card info and ending the call, I checked to see that the charge went through. The card was finally paid off. Learning that Pay For Delete is not a helpful practice, to I started disputes with the credit bureaus to have the overdue amount removed. Now today, XX/XX/2020, through XXXX dispute, they have not deleted what I paid in full, and continues to hurt my credit scores.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I noticed a collection on my credit report. After researching I determined that this was an account from XXXX that should not be on my credit. There is now an attorneys office that is calling requesting payment and threatening lawsuits. The dates shown on my report are from XXXX and again this account was closed in XXXX. I contacted creditor to ask why I did not receive a XXXX when charge off was done and asked for them to mail me the account information. This was done back in XXXX of XXXX. Then - after 4 months XXXX XXXX and XXXX appeared on my credit report with this account but showing it was opened in XXXX of XXXX. This account can not be shown as a new account per the Fair Credit Reporting Act. Please remove this from my credit immediately.
Consumer complaint received 2021-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. This account is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please remove this account immediately.
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

Someone has gotten ahold of my social security number and is using my information to apply for lines of credit and its hurting my score. I do not believe i should suffer for the identity theft that has been taking place unknowingly on my credit report. I believe the right thing to do in this situation is to remove these inquires from my credit report. 
Experian inquires XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX consolidate XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX XXXX XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2020-12-10
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: TRUIST FINANCIAL CORPORATION (PA)

XXXX in XX/XX/XXXX I received an unemployment check that I did not apply for. I returned it. Then on XX/XX/XXXX I received a voice mail from the fraud department of Suntrust bank ( XXXX XXXX concerning a credit card application, reference number is XXXX ). I called a branch in Maryland on XX/XX/XXXX and he could find no record of my name or address. On XX/XX/XXXX I received an email from XXXX XXXX saying someone had an inquiry on my credit report. I looked and there was a inquiry from XXXX XXXX concerning a credit card application with a XXXX phone number XXXX. I called and it went to a voice mail. On XX/XX/XXXX I received 3 more emails about another inquiry ( XXXX XXXX, XXXX XXXX  and XXXX XXXX ) I checked and it was for XXXX XXXX XXXX in Illinois. I contacted their fraud department. I spoke to XXXX XXXX ( XXXX option XXXX ) and told him of the suspected fraud. He said a loan had been applied for under my name and ssn and he would alert the underwriters. He sent me an ID Theft Packet with forms to be filled out. I have my credit reports frozen and fraud alerts on all three. I have notified my banks of the suspected fraud and changed my logons and passwords. I have started filling out the ID Theft Packet and am filing a police report. Contacting you was a recommendation from my bank,