davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-14
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: Continental Finance Company, LLC (NM)

I received a credit alert from XXXX that XXXX XXXX on XX/XX/21 @ XXXX XXXX  mst they pulled my credit without authorization. The number provided no one answers to resolve.
Consumer complaint received 2020-12-09
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. (TX)

Equifax did an investigation online on XX/XX/XXXX and today is XX/XX/XXXX and the representatives are still having trouble logging me in to myequifax.com the reset password link they try to send never works or gets blocked. As of today XX/XX/2020 I have a new case number which is XXXX. Please unlock or unblock my access to view my information online. they changed my email address back to XXXX then I received an email from my other email address from XXXX that it has been changed to XXXX which is wrong email I can share a screenshot.
Consumer complaint received 2021-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on FSTPROGRESS. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2020-05-18
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. (TX)

XXXX # XXXX remains on credit report. This vehicle was totaled. The date of loss was XX/XX/2017. The vehicle was involved in an accident, we were not at fault. The {$12000.00} plus was paid on the vehicle per attorney, XXXX XXXX. Also, there was inaccurate information reporting. The date of last activity is inaccurate, credit bureaus reporting different dates. The date of first delinquency is inaccurate. The account balance is inaccurate. There is no notice of dispute which is a violation. XXXX and debt factoring company, XXXX XXXX XXXX are reporting the same account on my credit report. I am aware if the information is inaccurate with the credit bureaus ; the account must be deleted. The account has been deleted from my spouse 's Experian account. I have attached documents for this account.
Consumer complaint received 2024-04-01
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (CA)

I was scammed out of over {$1300.00} because I tried to buy from 2 separate vendors and they never sent the products so when I called my bank to dispute the charges they said theyd give me my money back only to deny my dispute request days later. I just want my {$1300.00} back so I can buy something else and feel whole but nobody is helping me
Consumer complaint received 2020-10-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

ON XX/XX/2020, I began an Application for XXXX XXXX XXXX with SPS Servicing. The covid situation prompted this. My income was being affected by the covid19 quarantine, and I thought it would be wise to apply for the assistant. They requested bank statements, unemployment documents, profit-loss statements, and tax returns. I supplied them with all the requested documentation within the allocated time period, and they came back, asking for more documentation. Based on my tax returns, they wanted 2 completely separate profit and loss statements. I provided them with an additional statement. They told me they needed updated unemployment documentation, I sent them the updated documentation, and they told me it wasn't what they needed. They wanted something that shows when my unemployment would end, so I got them an old document that shows when my unemployment would end. They accepted it. Then they came back and said that they needed a new profit loss statement because it had been a few months since I submitted the first one, and they needed updated statements. I submitted new statements. Then they said my statements showed I had personal expenses on the profit loss statement. I didn't have personal expenses at all, so I called to clear that up. They accepted the document as is. Now it's XXXX, and I'm beyond frustrated. I asked to speak with a supervisor. I told her XXXX XXXX XXXX that I would file a complaint. She listened to my grievances and assured me the issue had been resolved. A few days later, they called again, asking for more documents that I had already submitted. I told them I had already uploaded the documents, and they said I was fine. A week later, they called again, saying they needed more bank statements because they showed lump sum payments from unemployment that didn't match the weekly payments that were on my benefits document. I told them, no, of course, the amounts are different because I'm getting back pay in lump sums. Next week will be XX/XX/XXXX, nearly 4 months since I started this process, and I'm no closer to getting an acceptance or denial. They keep asking for the same documentation in different ways, or sometimes they are asking for updated documents that I've already submitted because so much time has passed. Meanwhile, the clock is ticking, and soon I'll have to send brand new documents all over again. I have expressed my frustration several times. I have requested they tell me everything I need and they refuse. They keep dragging the process out. I need these issues resolved.
Consumer complaint received 2023-03-23
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: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX has old information ( Old Addresses etc ). it is not showing a debt from XXXX as paid. 
15 USC 1692 ( A ), ( B ).

I am disputing the presentment because of violations against Federal and State Laws.

HJR 192 UCC 3-311 UCC 3-104 UCC 3-306 UCC 1-308 ( Without Recourse )
Consumer complaint received 2020-10-29
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. (MN)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2024-02-14
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. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-04-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (MS)

A a collection agency which I have no knowledge of has reported to XXXX a XXXX about a debt that I have no knowledge of by a company I have no knowledge of therefore I have never done business with this company this collection agency and therefore I do not know them anything I have never had any contact with this company whatsoever I have never signed any agreement with them I have never made any business deals with them I have never even heard of them until I saw that they had flagged my credit report was the first I had ever heard about this company
Consumer complaint received 2021-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 193 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-08-12
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: Experian Information Solutions Inc. (NY)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00} and XXXX XXXX XXXX Date OpenedXXXX Balance : {$0.00}.
Consumer complaint received 2020-05-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (GA)

Re : Shellpoint Mortgage Servicing ( XXXX ) To Whom It May Concern : Due to the Coronavirus pandemic, I have not been able to work. As a result I am facing tremendous financial difficulties and unable to meet my financial obligations. 

I have expressed my financial issues with Shellpoint who is the mortgage servicing for home. To date, Shellpoint has postponed the monthly payment for three months. However, I have been advised that I would have to resume payment after three months and pay a one time payment for the outstanding balance. This is unaffordable and I would not be able to make this payment. Shellpoint has refused to provide me an affordable payment option.
Consumer complaint received 2024-02-08
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

We ( XXXX XXXX & XXXX XXXX ) are frequently receiving email and text messages from COLUMBIA DEBT RECOVERY LLC DBA GENESIS, XXXX XXXX XXXX XXXX, XXXX XXXX that we have some past due balance {$210.00} and the original creditor is XXXX XXXX XXXX XXXX  which is placed for collection on XX/XX/XXXX latest. 
# XXXX. We have been in XXXX XXXX XXXX XXXX XXXX XXXX XXXX for over XXXX years as a tenant from XXXX XXXX XXXX When we formally left we paid all of our dues except 2 months of water bill that was pending. We didn't receive any breakdown of exactly what is this bill for. And it is quite impossible that 2 months water bill {$210.00}!!!! 
The water bill should not be more than {$120.00} or {$140.00} for 2 months for XXXX one-bedroom apartment and XXXX numbers of households. 
# XXXX. However, we deposited a Security Deposit of {$300.00} in XX/XX/XXXX before leasing our apartment at XXXX XXXX XXXX XXXX, XXXX, TX XXXX and any security deposit is refundable. 
The XXXX XXXX should be calculated from the Existing XXXX. We called to XXXX XXXX XXXX office, and they referred us to XXXX, and finally, XXXX referred us to GENESIS. We didn't get any satisfactory answer about my utility bill not even about the security deposit from any of them. Nobody knows what the XXXX bill is for or about security deposit. 
Though we spoke with XXXX XXXX ( COLUMBIA DEBT RECOVERY LLC DBA GENESIS, XXXX XXXX XXXX XXXX XXXX XXXX ) yesterday regarding the above-mentioned issues to figure out. But very unfortunately he emailed again the same email with the same amount due without figuring out the any issues.
Consumer complaint received 2023-01-09
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX  XX/XX/2022
Consumer complaint received 2020-05-18
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: EQUIFAX, INC. (OH)

I have sent certified mail about XXXX XXXX XXXX # XXXX payment is history is inaccurate, please method of verification of late payments. All the parties involved in the investigation : Full Names, Phones, Addresses, Documents, and Dates. I have to right per the Fair Credit Act to request this information.
Consumer complaint received 2020-05-18
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. (OH)

I have sent certified mail requesting Assignment of Debt, Validation of Debt and Method of verification for the following accounts with XXXX, Equifax and XXXX and have not receive this information. It has been over 30 days. 

XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX
Consumer complaint received 2021-10-14
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. (NJ)

I am a victim of identity theft I sent in a letter with FTC report, copies of my ID, bank statement, and social security card and Equifax has not remove the fraud information from my credit report. I also reached out to the collection and they agreed to remove it. XXXX and XXXX has deleted the fraud accounts but Equifax hasn't done anything. Everything was sent in certified with a return receipt in XXXX. All information is in the letter I sent certified. I demand these 2 collection accounts to be deleted immediately. 

Collections Accounts from XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (MA)

I was shocked when I reviewed my credit report and found late payment on my current AUto loan with Wellsfargo on XX/XX/2020 during a global pandemic. How is it possible that you still mark your clients late during the toughest time in the world? Anyways, I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-05-18
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: SYNCHRONY FINANCIAL (CO)

Was wondering why my score keeps going down. Found syncb/care credit showing up saying i owr XXXX. I have never given this company authorization. Written or verbal. They are reporting fraudulently. I would like them off of my credit reports
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Information furnished by XXXX XXXX XXXX from my Bank of America Account is a violation to my rights protected by the FCRA and Privacy Act of 1974. Due to the fact they have took it upon themselves to share my private information without my consent in written format requesting for this furnishing to happen ( I opened an account with them in 2017 ). Under 15 USC 1681b Section 604 ( 2 ), and 5 USC 552 ( b ) Privacy Act of 1974, the conditions for disclosure is, no agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and
Consumer complaint received 2021-10-14
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. (CA)

I have contacted all three Credit Bureaus/Agencies ( XXXX XXXX XXXX, TransUnion ) and the Creditors ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Consumer complaint received 2020-10-29
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. (CA)

Dear Experian, I checked my personal credit report, which I acquired from your company on XXXX of XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

I tried to open a checking account and was denied based on a closed account that was reporting from Citizens bank that was reporting on my XXXX report. This was a month and 1/2 ago. I have been trying for over a month no one is helping me I keep getting told it will be resolved. I need this removed because The account is NOT MINE. Citizens bank has validated that it was an error on thier part and will fix it BUT still as of today They have not. This is unfair that I have been having this on my report for so long I never new until someone at the Bank told me I am being denied a bank account based on a reporting of a closed account that is NOT MINE. Please if someone can aissit me. i don't know what else to do but take this into legal matters at this point
Consumer complaint received 2020-05-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: U.S. BANCORP (CA)

I have been receiving multiple calls from US Bank, trying to collect on the credit card I have with them. I have told them my situation ( and I have even made a payment within the last month ) and they let me know that they were going to work with me and that the calls would cease for a limited time. Yet, I received five phone calls today alone from them. This has to stop.