davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-06
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: FIRST NATIONAL BANK OF OMAHA (FL)

I found out that there was a fraudulent account opened in my name through XXXXXXXX XXXX XXXX on XX/XX/2020 in the amount of {$8200.00}. This account was not opened by me and I did not make any of the purchases. My spouse opened several credit cards in my name amounting to debt of {$21000.00}. When I discovered these accounts I called each credit card company and also filed a police report. I have been trying to get this resolved with XXXX Bank since last XXXX and I keep getting the run around from this company. My credit score has dropped almost XXXX points because this account is showing delinquent on my credit report. Once I filed for divorce XXXX XXXX stopped paying for the credit cards he opened without my knowledge. XXXX is not addressing the problem or investigating the problem and it is ruining my credit. I have given them the police report details and everything I know regarding the identity theft, I am not sure what else to do every time I call I am on hold for 30 mins to an hour and transferred to various departments, but never get a straight answer or any real help with the matter.
Consumer complaint received 2021-04-06
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've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX  XXXX - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX
Consumer complaint received 2023-01-11
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: EQUIFAX, INC. (NV)

In accordace with the Fair Credit reporting act. The List of accounts below has violated my federally protected consumber 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 XXXX XXXX XXXX XXXX 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 instruction 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 2022-08-12
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. (PA)

I got a XXXX XXXX XXXX XX/XX/XXXX I signed up for automatic payments weekly. I never missed a payment and they started reporting the payment late and their excuse was it's late from when it actually goes to them not when it's debited out of my account. Also their interest is ridiculous which is not in my contract they have daily interest chargers and it can be whatever they want it be what I was told by one of the customer service. I the lease was for {$17000.00} I paid over {$12000.00} in two years they said I still owe {$14000.00} my insurance company paid {$10000.00} when the vehicle was totaled out in XX/XX/XXXX they have been reporting every month on my credit report missed monthly payments. I don't owe them paid more than enough they are rude when I call told me good luck on getting it deleted from my credit report. Now they are saying I still owe them {$4000.00} or settle for {$600.00} and the person who is responsible for reporting credit can't be contacted by phone only by email that they can't provide me. The company is XXXX XXXX I joined a class action lawsuit against them for doing the same to others yet they are still posting inaccurate information on my credit report.
Consumer complaint received 2022-03-29
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I did an investigation to my credit report and noticed that the following accounts are inaccurate and fraudulent. I did not own the following debt. I am a consumer by law and my information was misused. I am not happy about it. 



XXXX XXXX / XXXX / {$0.00XXXX XXXX XXXX / XXXX / {$0.00}
Consumer complaint received 2020-10-23
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (MA)

I received a US bank reliacard in the mail this week. Based on research, it should be sent to people who have filed unemployment claims. I am employed and have not filed a claim.

I was notified earlier this year that a fraudulent claim was filed in my name. I reported it to the appropriate authorities.

I will not activate the card, but I want to know if there are other steps I should take to protect myself.
Consumer complaint received 2018-10-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Healthcare Collections-I, LLC (AZ)

HEALTH CARE COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX AZ, TURNED IN A NEGATIVE REPORT TO THE CREDIT BUREAU FOR A MEDICAL SERVICE THAT I HAD INSURANCE FOR. I WENT TO HAVE A XXXX  DONE AT AN IN NETWORK FACILITY THAT MY INSURANCE RECOMENDED, THIS FACILITY USED AN OUT OF NETWORK XXXX, WHO BILLED ME FOR {$1400.00}. I CONTACTED THE FACILITY THAT PERFORMED THE PROCEDURE AND THE OFFICE OF THE XXXX, BUT THEY STILL TURNED THEIR BILL OVER TO A COLLECTIONS COMPANY AND MESSED UP MY CREDIT
Consumer complaint received 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AZ)

Ive called every number I can find for Equifax today and yesterday, XX/XX/XXXX and XX/XX/2020 and I have accessed their online services however am unable to unfreeze my credit. The only number I have that leads to a live person results in them telling me I did something wrong, they cant help me or a transfer to the same rotary system that I just told them doesnt work. The automated system seems to work but at the end Im told they can not process my request. I stay on after pressing 6 to get to a live agent and after a couple of minutes of dead air I get a survey asking me about my experience with the agent I never had the opportunity to speak with.
Consumer complaint received 2018-10-01
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. (PA)

In XXXX, XXXX and XXXX I duspute the following inquiries with the credit bureaus and also with the perspective companies. The companies have not responded and the credit bureaus are continuing to report them on my report. I do not have any credit line with these companies, i have not applied for any credit nor have I received any firm offers of credit from these company. 
XXXX XXXX
Consumer complaint received 2023-04-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX  was paid electrically on time every month, including my XXXX & XX/XX/2021 payments. XXXX then returned these payments about 10 days after receipt. XXXX  says my XX/XX/2021 payment was not received on time so they destroyed my credit. My XXXX XXXX XXXX faxed XXXX 2 official payment transmittals which clearly documented my timely payments, yet XXXX still refuses to remove the late payment from my account. After contacting all 3 credit agencies and submitting the payment transmittals to them the 3 credit agencies will not remove the late payment either. I then sent credit agencies a letter from XXXX XXXX in which XXXX  confirms they received my payment on time but XXXX  and the 3 credit agencies all refuse to correct my account 's payment history. I've spent over XXXX hours trying to resolve and filed numerous complaints with XXXX  and the 3 credit agencies and they still refuse to acknowledge my payment was timely and have refused to restore my credit. I have uploaded all supporting documentation which unequivocally proves all my payments were on time.
Consumer complaint received 2020-07-15
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: Westlake Services, LLC (CA)

I contacted each company regarding illegally pulled hard inquiry. Each confirmed XXXX sent them my information and no inquiry shouldve been pulled. All inquires still remains, several are doubled on my report.
Consumer complaint received 2018-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have disputed the account being reported by XXXX multiple times. Every time, XXXX responds that the information is accurate, but IT IS NOT. It seems that the credit reporting agencies ( XXXX, XXXX & Transunion ) simply take XXXX 's word for things rather than conducting a proper " investigation. '' The credit bureaus are responsible for verifying the ACCURACY of the information THEY report. They can not simply rely on XXXX 's word, or the word of ANY creditor, with no proof. 

As explained previously, this account was included in my bankruptcy in 2008 in the XXXX District of IL Bankruptcy Court Case No. XXXX. Despite XXXX XXXX choosing to classify this debt as a student loan, IT DOES NOT MEET THE DISCHARGABILITY EXEMPTION CRITERIA contained in 11 USC 523 ( a ) ( 8 ) or even the definition of a " qualified educational loan '' under 26 USC 221 ( d ) ( 1 ) as it was issued ABOVE THE COST OF ATTENDANCE as  established by my educational institution. 

Whether or not XXXX agrees with the Judge 's decision or even likes the judge 's decision is 100 % irrelevant. The fact of the matter is THIS DEBT WAS DISCHARGED IN 2008 -- 10 YEARS AGO. As such, IT IS A VIOLATION OF THE FCRA to continue reporting it on my credit report ( s ). Irregardless of XXXX 's position, I have court documents affirming my discharge and this debt needs to be COMPLETELY REMOVED from my credit report ( s ) immediately as the discharge was 10 years ago and therefore no longer qualifies to report on my credit IN ANY FASHION.
Consumer complaint received 2018-07-18
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: General Service Bureau, Inc. (NE)

I work during the day of which is when General Service Bureau calls sometimes they leave an automated message on my cell phone other times they do not. The one time I answered I asked that they not call before XXXX XXXX. because I am working. They then turned around and called my work number and I informed them not to call me at work that I could not accept calls like this at work. Today XX/XX/18 they called my cell phone at XXXX of which I can not answer while I am at work. They then turned around and called my work phone of which I did answer. When I said " This is Doe '' they hung up. This is not acceptable. I have tried calling them back but I do not get any kind of an answer. I don't leave messages since I work and they can't call so I keep trying to find out why they are calling.
Consumer complaint received 2023-04-04
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: I.C. System, Inc. (TN)

XXXX XXXX  had an account opened in my name fraudulently and even though I tried to explain that this was not me, this was still sent to collections in my name and has affected my credit score. The collections agency has never contacted me regarding this.
Consumer complaint received 2020-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Self Financial Inc. (GA)

Back in XXXX of 2020 I, XXXX XXXX called in and closed my self lender account and credit card. Self lender took my XXXX deposit to cover my balance they said I owed. A week later self attempted to take XXXX from my account which I stopped with my bank. Since closing of the account Self Lender has continuously reported my credit card as over the limit which have damaged my scores and prevented me from refinancing my home during this pandemic. I have called SelfLender numerous of times to get this problem handed and have gotten the run around each time. The latest time being XX/XX/2020. They have not only damaged my scores but also my husband scores as well. This is very much illegal and something needs to be done! We have not signed up for new accounts and do not owe self lender any money in fact they owe us money that we never received and have not made a issue about but the damaging of our scores is unacceptable!
Consumer complaint received 2021-08-17
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: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/2019, American Express pulled my credit without my permission. American Express did not have a permissible purpose to access my XXXX  credit report. 

American Express claims to not have pulled my credit report any time in XX/XX/2019. I have attached a copy of my XXXX  credit report reflecting the hard inquiry from American Express on my credit report.
Consumer complaint received 2018-10-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Lending Club Corp (PA)

On or about XX/XX/2018, I had inquired on line about loan rates for medical purposes. After filling in all of my personal information, I actually only submitted the form after I ensured that these inquiries would not in any way affect or impact my credit scores and there was a disclosure stating that it would just be an inquiry and would not in any way affect my credit scores. However, shortly thereafter I got an email from XXXX XXXX who monitors credit scores that there was a change in my credit score. In my opinion, these loan inquiries could be the only thing that would change my credit score ( s ) since I did not open any new accounts or have any new or adverse reporting recently.

The lending company in question is : Lending Club which it is my understanding that your entity oversees. I have also reported XXXX XXXX XXXX XXXX to the FDIC who I was told oversees these entities.
Consumer complaint received 2018-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I applied for a Capital One credit card in XX/XX/XXXX. 

I received a denial letter from Capital One shortly thereafter, with the reason listed as " insufficient duration of credit '' attributed to XXXX ( only ). 

I subsequently requested and reviewed my XXXX report, which accurately listed the fact that I have had a single credit card in good standing since XX/XX/XXXX. 

I followed Capital One 's procedure for dispute resolution and wrote a letter explaining that the XXXX   report accurately reflected my record, and I received a letter stating that the decision on my application was final. 

Since I did not understand why I was being turned down for credit - there was no specific explanation regarding what in the XXXX  report suggested that my credit was of " insufficient duration '', I filed a complaint with the CFPB ( XXXX ) in XX/XX/XXXX. 

I received a letter in response from Capital One on XX/XX/XXXX which stated the following : " I looked into this further for you and can confirm that the decline was correct. Please understand the decision was based on information in your credit file. '' The letter did not specify what information in my credit file was used to provide the rationale for the denial. The letter further stated : " If you have questions or concerns, please give me a call at XXXX, etc. I'm glad to help any way I can. '' I subsequently called this number a total of 5 times over the next 6 weeks. I learned the name of the specific agent who crafted this letter - XXXX - and was told by Capital One that she would call back within 24-48 hours ( each time ). She never called back. Today, after my 5th attempt at calling XXXX, I was informed ( by XXXX in the " excecutive office '' ) that XXXX considers this matter closed and will not be calling me back. 

I still have no idea why Capital One denied my application for credit ( other than a claim of " insufficient duration of credit '' unsubstantiated by the XXXX  report ), and while XXXX provided a written response to my first CFPB complaint in which she offers to " help in any way that ( she ) can '', she now refuses to return my calls or speak with me.
Consumer complaint received 2018-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (OH)

I have been trying to add a bank account to pay my PayPal MasterCard bill for the past two weeks but continue to run into an error. When I call PayPal the queue is over two hours long and the PayPal MasterCard support is entirely useless and does not offer any assistance. This is unacceptable.
Consumer complaint received 2024-03-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Subject : Formal Complaint against Portfolio Recovery Associates Amount : {$1100.00} Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Portfolio Recovery for egregious violations of my consumer rights, as protected by the Consumer Financial Protection Act. It has come to my attention that Portfolio Recovery placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alleged debt. 

I hereby declare my revocation of all communication channels with Portfolio Recovery Associates, including text messages, emails, and phone calls. I insist on engaging through written correspondence. 

In line with my rights under the Fair Debt Collection Practices ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that Portfolio Recovery provide a purchase order agreement between them and the original creditor. I am particularly concerned about the accuracy of the account information, as the agreement may contain clauses stating that the data being purchased might be inaccurate. If Portfolio Recovery is unable to produce this documentation, I demand the immediate deletion of the account from my credit report. 

The date on my consumer report indicating that I opened an account with Portfolio Recovery Associates is blatantly false. I neither received any services nor products from this company. This information tarnishes my credit history and infringes upon my consumer rights. 

Moreover, it has come to my attention that Portfolio Recovery is not licensed or bonded to collect debt in my jurisdiction. This raises serious concerns about the legality of their actions and further emphasizes the need for immediate resolution. 

The actions of Portfolio Recovery constitute clear violations of 12 CFR 1006.34 ( d ), 12 CFR 1006.34 ( C ) ( 4 ) ( i ), 12 CFR 1006.34 ( b ) ( 5 ) and 15 USC 1681-s2 ( 7 ) ( A ). I am formally demanding the swift deletion of this collection from my credit report, and I trust the Consumer Financial Protection Bureau will thoroughly investigate and address these infractions. 

Please keep me informed about the progress of this complaint, and I appreciate your attention.
Consumer complaint received 2021-04-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF THE WEST (CA)

I have been trying to receive a payoff on my HELOC with Bank of The West for 3 weeks. The first request was sent/faxed on XX/XX/21 and then again on XX/XX/21 from XXXX XXXX XXXX. I have held for customer service and told on two occasions XX/XX/21 I was told escrow would receive within 24 hours and then again on XX/XX/21 again I was told escrow would receive by the end of the business day. Both times customer service confirmed they received the request for payoff. 

This is extremely unusual and appears to be an attempt to not allow us to pay this loan off. Almost impossible to get someone on the phone. There is no branch local to me that is open and I can walk in and find out what the problem is. The Corporate phone number goes directly to an automated customer service line. 

I don't know how to resolve this issue!
Consumer complaint received 2018-10-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc. (NC)

I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. It is now XX/XX/2018. I sent the XXXX XXXX XXXX and the collection company FRANKLIN COLLECTION SV a copy of my police report, ID, and my social security card. The companies has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.