davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-24
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. (NJ)

I've found that my credit report has erroneous information for the third time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-03
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. (TN)

My identity was recently stolen. I am attempting to freeze my credit to prevent further damage. On XX/XX/21, I was able to freeze my credit with two of the major credit reporting companies but not Experian. I attempted to freeze it online and failed due to a website error. I tried this multiple times. I attempted to call the customer service and it just redirected me to to the website. It is literally impossible to talk to a live person. I tried every number on their website. I attempted to email the help center listed on the website and my email was returned because it was not a valid email address. I currently have no way to contact Experian and no way to freeze my credit with them.
Consumer complaint received 2024-02-24
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. (PA)

hello, my nme is XXXX XXXX. I am a victim of identitity theft. I hear about robberies all the time but never thfought id fall victim to one. I was robbed at XXXX point for my waller, purse which held all my personal information. I am writing to ask that you please remove these accounta. it is tarnishing my name and my credit. i am mot XXXX to get a place to live, bank accounts or credit because of thus theft. please help me
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (NC)

The company Chex Systems XXXX Inc. is reporting an account to my Chex Systems report. This account was reported to Chex Systems without first notifying me and giving me a chance to dispute and resolve the issue. The Fair Credit Reporting Act requires companies to send a notice before reporting negative information to credit reporting agencies. 

Source of Information : XXXX XXXX BANK Amount - {$770.00}
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Accurate Background (IA)

Got hired for a job and lost it because i have a open case on background check for mvr but im on a payment plan thats why its open. Now I lost my job because false information
Consumer complaint received 2021-04-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I sent a 3 requests to XXXX, Experian and XXXX on XX/XX/2020, XX/XX/2020, and XX/XX/2020 to investigate the negative accounts on my credit report and they have yet to respond. This is a major violation of my rights. This is not right. They are not responding or honoring my request. I decided to send certified and still, no response. I have proof that they received my letter and did not complete the investigation in the time given by the FCRA. I shouldn't have to continue to have a negative mark on my record because they couldn't verify any of my accounts. Not responding was only giving creditors over 8 months. This is ridiculous!
Consumer complaint received 2017-12-11
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: SCA Collections, Inc. (NC)

I have repeatedly contacted SCA Collections and asked them to send me proof that two accounts belong to me. They are both duplicate accounts, but just have different account numbers, but all the other information on the credit report is accurate. Every time they tell me they can not verify that it is mine, they just tell me it is without any proof, and tell me to contact the original debtor. So I contacted the original company and they do n't have any information about the account and it is a circle of forwarding to different companies who each do not have any information about any account that belonged to me. Eventually I was forwarded back to SCA Collections. I informed them about this, yet they refuse to remove the accounts. I contacted XXXX about it ( the only credit bureau with these accounts in them ) and they say they 've " verified the information '' yet how can they verify if when I call to verify they do n't have any relevant information for me. I do n't have any documents because the account is n't mine.
Consumer complaint received 2021-06-03
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America won't give me the {$1100.00} remaining on my deceased daughter 's EDD card. ( I am her heir. ) They received all the required paperwork last XXXX 2020, and the required authorization from EDD, and have told me the disbursement team will send me the check, but even after getting my state Senator 's office involved... nothing! 

The beginning of XXXX I was told I'd receive the check. The end of XXXX I was told I'd receive a call back telling me when the check would be sent... nothing! 

No calls, no follow ups, no check! 

Even after the Senator 's office gave me an email with the authorization she received from the EDD, it took me two phone calls, talking to multiple people, to get them to say they'll send me the money, but still... nothing!!! 

My Bank of America case # XXXX
Consumer complaint received 2017-12-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A. (CA)

It looks this DEBT COLLECTOR company XXXX XXXX XXXX XXXX Has engaged in an ongoing collection activity even after Their sent me a letter stating they will cease all communications tactics as it goes for phone calls and mail, I just received from this company a letter in XXXX with a date as XX/XX/XXXX, It contradicts about the letter the sent to CFPB on XX/XX/XXXX. 
I stated once more the amount of {$900.00} they claimed I owed to CITIBANK NA Its been disputed, CITIBANK NA in its letter dated XX/XX/XXXX says did n't know the amount was disputed in XXXX, I will inquire a CFPB regulator to look into it, If CITIBANK NA did n't know in XXXX why they still market this Alleged debt with another Debt collector company, I believe now CITIBANK NA has engaged in some violations to the FDCP Practices and the CFPB should fine them for those violations. They knew this alleged debt were dispute in XXXX. I 'm attach proper exhibits to support my claim. 


I will include on this letter a formal dispute with CITIBANK NA for the Marketing Tactic to have one or more Debt Collectors harassing me for a Disputed debt, I rejected it as a valid one.
Consumer complaint received 2017-12-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (FL)

I tried calling Navient at XXXX about my student loan where the caller keeps getting automated menu responses after a lengthy period of time - there is NOTHING ON THE MENU to connect the caller to a real person. When I finally was able to connect I asked who & where I was talking to the person would not give me their name and said they were from XXXX ( would not give specific country ) ; additional they had difficulty articulating in the English language. I asked multiple times to be connected to the UNITED STATES - each request was denied. I do not trust giving my information to someone overseas and I heavily object they have my information as well as that of other students. 

Navient needs to provide, without delay, a phone number that connects the student borrower to an actual person in the United States. 

This is highly unacceptable and there should be legislation preventing this from happening. 

I DO NOT AUTHORIZE THE " CONSUMERS FINANCE PROTECTIO BUREAU '' to release my email to Navient whatsoever.
Consumer complaint received 2017-12-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion Consumer Relations XXXX. XXXX XXXX, XXXX, PA XXXX I have contacted Transunion several times to have this information that is untrue and incorrect removed from my credit report. This has not taken place and the information remains on my report, even though I have stated that I do not owe any debt or applied for the following accounts. The accounts can not be physically verified and or proof not retained to keep reporting this is misleading or unproven information, especially considering a composed consumer complaint notifying them of said issues so please help to have the information DELETED the following illegally reported allegation here and now : Alleged creditor reporting item : XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Alleged creditor reporting item : XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX Alleged Account at issue : XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Alleged Account at issue : XXXX of XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX Alleged Account at issue : XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Alleged Account at issue : XXXX XXXX, FL XXXX ( XXXX ) XXXX *Inquiry from XX/XX/XXXX Alleged Account at issue : XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX *Inquiry from XX/XX/XXXX Alleged Account at issue : XXXX XXXX, FL XXXX ( XXXX ) XXXX *Inquiry from XX/XX/XXXX Alleged Account at issue : XXXX XXXX  XXXX XXXX, CA XXXX ( XXXX ) XXXX *Inquiry from XX/XX/XXXX Alleged Account at issue : XXXX of XXXX XXXX XXXX, CA XXXX XXXX XXXX ) XXXX Inquiry from XX/XX/XXXX Alleged Account at issue : XXXX XXXX, MD XXXX ( XXXX ) XXXX-XXXX *Inquiry from XX/XX/XXXX *Alleged Account at issue : Reference Number XXXX Date Filed Reported on XX/XX/XXXX Classification Bankruptcy Responsibility Individual U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2017-12-11
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: CITIBANK, N.A. (GA)

I have had a Home Depot account nearly two years and NEVER had a late payment ; the payment was made over the phone and the customer service rep. transposed my payment information and it never drafted. I did n't realize it until it was too late because they were mailing my statement to the wrong address. I have called Home Depot on several occasions and have been assured it will be resolved by their Credit Services Dept. I recently applied for a mortgage only to learn through their credit report that the late payment is still reflecting on my credit ( in spite of being promised it will be removed ).
Consumer complaint received 2020-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (OK)

I would like to report a Fair Credit Reporting violation. 

My XXXX XXXX XXXX balance for XX/XX/XXXX was {$6100.00}. 

The XXXX XXXX XXXX Account deleted from Experian credit file : XXXX XX/XX/XXXX ; after numerous disputes. 

The XXXX XXXX XXXX account was re inserted into my credit files XX/XX/XXXX, over one ( 1 ) year after the deletion of XXXX XX/XX/XXXX. 

The re insertion included a higher balance than the original balance of {$6100.00}, XXXX XXXX XXXX reported to credit bureaus. 

The re insertion balance increased to a balance of {$6600.00}. 

I received no notice of XXXX insertion of this account from Experian, XXXX  or XXXX XXXX XXXX for the XX/XX/XXXX XXXX insertion of the " deleted '' XXXX XXXX XXXX, previously disputed late payments/repossession.
Consumer complaint received 2017-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (CA)

This was my first complaint submitted to CFPB : XXXX XXXX issued me a check in the amount of {$7500.00}. I never received the check. When I inquired about the check, XXXX XXXX stated that the check was cashed at Wells Fargo. I do not have a Wells Fargo account. I have called Wells Fargo on several occasions, but because I do not have an account with them, they told me that they could not help me. They then advised that I go to XXXX XXXX to file a claim with them. I contacted XXXX XXXX on numerous occasions. In one instance, they told me to complete a form and return it to them notarized, which I did. But when I inquire about the claim, they will give me the run-around, or worse yet, just ignore me. I have even gone down to the police station to file a claim, but they told me that they could n't help me, and to go talk to XXXX XXXX. 

Wells Fargo stated that they could not help me, and directed me to go to XXXX XXXX for help. I understand that XXXX XXXX is the one who issued me the money, but it was Wells Fargo who cashed my check to someone else. My check was not a small amount. Wells Fargo needs to do their part to find out who they gave my money to, and reimburse me because they are the ones who erred, not XXXX XXXX. Wells Fargo, needs to take responsibility for failing to cash the check to the right individual. If Wells Fargo was going to simply ignore my request for help again, why did they have me complete a notarized affidavit stating that I did not receive my money?
Consumer complaint received 2020-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (MS)

I applied for a secured credit card from Discover on XX/XX/2020. I secured the credit card with {$200.00}. After completing Discovers verification process, I was issued the card and had an open credit limit of {$200.00}. I have never charged one thing to the card. 

On XX/XX/2020, I was emailed a letter from Discover and it stated that the card had been closed by Discover because they were " unable to verify personal information ''. 

I called on XX/XX/2020 and spoke to customer service person, XXXX at XXXX XXXX CST to ask what exactly they couldn't verify and was told that they have no explanation. I then asked to file a complaint and I have not heard back from Discover.
Consumer complaint received 2021-04-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TN)

PAYPAL CLOSE MY ACCOUNT FOR NOT REASON  AND THEM WILL NOT HELP ME  WITH GETTING IT BACK UP AND GOING.   EVERYTIME WHEN I TRY TO  TAKE OUT MY MONEY FROM MY ACCOUNT   THEY JUST BLOCK ME  FOR AVOID THAT I CAN USE MY MONEY.  THEY JUST MADE ALL DIFFICULT FOR ME.
MY ACCOUNT WAS ALREADY VERIFY WITH ALL MY PERSONAL INFORMATION AND I NEVER MADE ANY MISTAKE.  I  NEVER HAD ANY DISPUTE OR CHARGE IN MY ACCOUNT.  THEY SAID I CAN SEND MONEY TO MY FRIEND AND FAMILY AND AFTER I DONATE MONEY TO MY  FRIEND THEY BLOCKED MY ACOUNT , AND THEM THEY JUST CLOSE MY ACCOUNT WITH ALL MY MONEY .   I THINK THIS COMPANY STOLE MONEY FROM PEOPLE , WITHOUT THINK HOW PEOPLE WORK FOR GET THE MONEY. THEY  NEVER TAKE MY CALLS OR RESPOND MY MESSAGE . I RECORD EVERYTHING     ABOUT THAT COMPANY JUST STOLE MONEY FROM THE PEOPLE  WITHOUT ANY RESON . PAYPAL IS NOT DOING HER JOB PROPERLY AND THAT THE REAZON I AM FILE A REPORT HERE. PAYPAL IS VIOLATING THE RIGHTS OF PEOPLE BY CLOSING ACCOUNTS TO KEEP THE MONEY AND SO MAKE YOUR COMPANY GROW WITH THE MONEY THAT IS STOLEN FROM PEOPLE. MY CASE IS AN EVIDENCE.
MY EMAIL IS XXXX
Consumer complaint received 2020-07-23
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: STATE FARM BANK, FSB (FL)

State Farm Bank insist in reporting a loan late on my credit even after I explain that was due from my ex wife. The divorce decree was provided to the State Farm and many times contact without a solution. Also the loan was under both our names and it has been reported only on my social security.
Consumer complaint received 2020-07-23
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: I.C. System, Inc. (IL)

I recieved and update on XX/XX/XXXX I believe that I had a collection account hit my report for outstanding debt that I knew nothing of or had. Then I called the agency had wrong address for me and no other info at all. Says I opened in XXXX on XXXX but I've had XXXX since 2018. Also I called to dispute with agency received no help and not only did they report to my credit once they then reported 2 more times XXXX  XXXX  total of 3 times they hit my credit report and AFFECTED it each time!!!! And I know that is not legal for them to do 3 times in 1 month.
Consumer complaint received 2020-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion continues to report old information and collections that were included in bankruptcy are still reported as open collections. The dispute functions on the website are not working and I was on hold on the phone for over 1/2 an hour, I could not wait longer. Transunion is used as part of an application process with XXXX and a recent application was dismissed entirely because of this foul report.
Consumer complaint received 2017-09-22
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. (CA)

T
rans Union XXXX XXXX XXXX XXXX, PA XXXX Dear Trans Union : The credit inquiry named XXXX is damaging my credit rating. Provide full documentation regarding the circumstances surrounding your release of my credit report, pursuant to the permissible purpose provisions of the Fair Credit Reporting Act? The inquiry was placed on my consumer file on this date : XXXX  2016 If you can not provide such documentation, you are obligated to remove the offending inquiry at once.
Sincerely yours, XXXX XXXX
Consumer complaint received 2021-10-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. These accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern, and I requested a complete payment history of these accounts for me to review the exact date on which the collection was posted. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. REMOVE THE FOLLOWING ACCOUNTS FROM MY REPORT IMMEDIATELY : PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX A ) XXXX {$3400.00} PORTFOLIO RC ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  ) XXXX {$2700.00} PORTFOLIO RC ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX {$1400.00} XXXX {$2700.00}
Consumer complaint received 2021-04-09
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. (FL)

WELL, WHAT IS AS SAME IS AS TO HAPPENING IS NOTHING IS HAPPENING & I AM FINDING THIS A REAL SERIOUS PROBLEM BEING I AM MAKING " ALL '' PAYMENT 'S BEFORE DUE AS WELL TWICE AS MUCH IN AS TIME 'S DUE & I AM NOT BEING FAIRLY ADJUSTED IN MY SCORE 'S.
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

My consumer statement is inaccurate. This section of my credit report should be blank because I have not provided the company with a statement. Somehow, the details of a former dispute, have been copy pasted into that section. I have asked Equifax over a period of several months to remove it and they just won't. The statement is inaccurate and I have disputed this item multiple times to no avail.
Consumer complaint received 2021-04-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commercial Acceptance Company (NJ)

This alleged XXXX XXXX XXXXgency failed to contact me within five days of receiving my dispute of alleged debt account # XXXX in doing so they violated Title 15 1692g ( a ) also this alleged collection agency failed to respond to my dispute it now has been over 45 days and this alleged collection agency has not ceased collection of the disputed debts violating Title 15 1692b.
Consumer complaint received 2017-12-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I am attaching the letter I sent out to the credit bureaus on XX/XX/XXXX. As of today, I have not received any responses, and they were supposed to respond within 30 days.