davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I disputed the accounts XXXX, XXXX and TransUnion are reporting that are not mine and have requested they validate my accounts per Sections 609 ( a ) ( 1 ) ( A ), Section 611 ( a ) ( 1 ) ( A ), Section 616, and Section 617 of the Fair Credit Reporting Act. Per the first letter I sent to the 3 credit bureaus, XXXX adhered to federal laws and guidelines and deleted the account that is not mine but XXXX  and TransUnion continued to claim they have verified the accounts although I requested for validation, not verification. I disputed the account 6 times and even contacted the creditors who haven't responded back to me but XXXX and TransUnion refuses to abide by the Fair Credit Reporting Act. This is my last resort and am hoping that the CFBP  uphold the laws and request they provide me with my signature that is allegedly on the original contract to this account or delete it, or I am going to file a lawsuit against them which I will do if they do not delete the account that does not belong to me. I have kept a perfect record of all of the disputes I sent out - certified mail receipts, notarized documentation, etc. This one account is extremely damaging to my credit and has been causing me to not be able to move into a home because they refuse to validate or remove it. Please help me hold them to the standards of the Fair Credit Reporting Act and delete the account that is not my account.
Consumer complaint received 2020-07-13
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CURO Intermediate Holdings (TX)

Speedy cash XXXX  called in XX/XX/XXXX regarding a loan in my son XXXX XXXX XXXX name. My son is XXXX and has been in XXXX  XXXX  for 12 years. He has no job or bank accounts. This was determined to be fraud on XX/XX/XXXX and XXXX  removed the fraudulent account and fraudulent job ( see attached letter ). 
On XX/XX/XXXX I received a call from a collection agency ( XXXX Account # XXXX ) regarding a XXXX XXXX XXXX ( same dates and same amounts ). I told them it was fraudulent and my son is in XXXX XXXX. They said they would go to the XXXX XXXX XXXXnd take him to court.
Consumer complaint received 2020-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX DBA XXXX  XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$530.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2015 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I worked for XXXX XXXX where I encountered medical issues in XXXX. I had to file XXXX XXXX   XXXX. I also had to file XXXX XXXX XXXX in XXXX. 

I called capital one and informed them I was on XXXX XXXX XXXX in XXXX and in XXXX. I obtained my credit report and I see capital one has put late payments on my credit file during this time. 

The entire process I communicated with Capital One. Capital One even put me on a special payment plan during this time. Capital One failed to tell me that they would be reporting late payments while I was on XXXX XXXX XXXXXXXX. 

This is unethical. I have written several correspondences, emailed, and called capital one and have received no response to help me with removing these late payments.
Consumer complaint received 2021-02-26
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc. (TX)

This company reported a consolidation loan taken out by me 60 days after I paid my student loans off in full. The report was filed in XX/XX/2020 to all three credit reports and I never agreed to the loan. I paid all my student loans off with a cashier check XX/XX/2020. When I contacted the company to have it removed no actions was taken. These are fraudulent accounts. The company told me to prove to them I paid my student loans off. I don't have to prove anything to this company. They don't have a record of an outstanding balance or a signed agreement. I've sent several complaints to the credit reports agencies certified with proof. As of today these accounts are still showing up on my reports. I want them removed immediately. 
Acct # XXXX credit file # XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX
Consumer complaint received 2019-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/2019 I made an ATM cash deposit at Bank of America ( XXXX XXXX XXXX XXXX, XXXX XXXX, AZ. XXXX ) after hours. The deposit was for a sum total of {$6900.00}, consiting of 69 bills of {$100.00} the machine allows for a maximum of upto 75 bills. The machine took in all that money, proceeded to count for a few seconds before displaying an error message and handing out a recipiet the recipet mentions that there's been an error but does not mention the {$6900.00} amount and instead shows a mere {$300.00} deposit. 

I tried reaching the bank on their helpline, and other numbers I got from the internent, but could not speak to a human voice. At this point I am really worried about the money, dont know what to do as BoA seems to be unreachable. 

This is extremely nerve wracking
Consumer complaint received 2024-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (NE)

I received two letters from different debt collectors for the same account for the same amount of money owed. The first is XXXX XXXX XXXX that gave me three options for payment. I called the customer service number to pay one of the options offered and was told the account number of XXXX could not be found and I told them the account had been paid off at least two years ago. I then received a second notice from another debt collector from Radius Global Solutions LLC with reference number XXXX with a pin of XXXX. This debt collection is for the same exact amount from XXXXXXXX XXXX and the previous debt collector. two debt collectors for the same account from the same bank seems like fraud to me especially when the account has been paid off.
Consumer complaint received 2020-07-13
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: U.S. BANCORP (WV)

My mother opened a credit card in XXXX and put me on the card to help her After my mother death on XX/XX/XXXX, I reported this to star financial credit card company. Star financial took her name off and began sending the bill to me for payment. 
I told this company that I did not make application with this company and please correct this adverse account on my credit report. 
This account has dropped my score by 130 points.
Consumer complaint received 2020-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

In XXXX and XXXX of XXXX, PHH mortgage reported to the credit bureaus that I had missed two payments of my mortgage. I checked PHH 's system and confirmed through customer service in XXXX of XXXX that I did make attempts to make on-time payments, but there was a system error in processing the payment. Since XXXX, my XXXX checking account was stored in PHH 's system and every month I would login, the account would pre-populate teh account number and i would make my monthly payment. Since XXXX, I was never late with a single payment. PHH customer service confirmed that for an unknown reason, the system dropped a digit off of my bank account number which is why my payments were failing. In XXXX, I had to manually correct the account in their system that was modified somehow by PHH and I paid the account in full to make the mortgage current. In XXXX of XXXX, PHH customer service told me to write a letter explaining the situation ( since it was their fault that the digit of the account had dropped ) and then they would review and correct the blemishes reported to the credit agencies. On XX/XX/XXXX, I submitted a letter to PHH explaining the situation and requesting that the situation be remedied. My request was denied in XX/XX/XXXX, but a letter was never received from PHH explaining why. After months of calling in for more information, i finally was able to reach XXXX ( company ID XXXX ) who was an escalation specialist at PHH. He made two attempts to have the issue resolved and my request granted. The first request was to XXXX ' supervisor XXXX ( company ID XXXX ). XXXX declined my request as no apparent issue was identified - no other information or level of detail would be provided. XXXX then escalated to his technical team. They declined my request bc they said they didnt have widespread reports of issues with their system. I tried to explain to XXXX this was an acute issue, but he said they would not pursue the matter further. This was a system glitch on PHH 's end, they can not explain to me what happened, and have decided to leave the blemishes on my credit even though it's their system that had the glitch. No edits were made by any profile users to my account number.

There was no transparency with PHH 's escalation process and no good reason has been provided other than they don't know what caused the issue, so they are blaming me for it.
Consumer complaint received 2018-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo is still reporting a old debt that doesnt belong on my credit report. This is too old to be filed and needs to be removed. This dates back to 2009 and needs to be cleared ASAP Additionally the Wells Fargo Account is being posted twice on all my credit reports when it is only one account
Consumer complaint received 2020-07-13
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. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report.
Consumer complaint received 2020-10-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (PA)

Before COVID-19 happened my fiance and I were set to go to tenant court for repairs that our landlord failed to make on an apartment unit we were renting. We had code enforcement officers come out and issue tickets and notices to the company to make repairs that were never fully completed so we found a new place to live and moved away. The court date we had got cancelled due to to the pandemic as well as the eviction moratorium so we were unable and still are unable to settle this matter in front of a judge. I asked the creditor for confirmation of the debt and was sent a final bill which had the past due rent amounts listed which is not conformation of any kind of debt owed as part of our lease agreement was that the unit we were renting would be livable up to code which it was not. I attached pictures which we have many many more of as well as a chronological timeline of everything that happened.
Consumer complaint received 2020-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (CA)

An important letter in regards to billing and balance issues was mailed to an address I do not reside at in XX/XX/XXXX. I received no phone contact regarding resolutions for that outstanding balance from CITI. 

Due to COVID I was unable to receive that important hardcopy letter until XX/XX/XXXX when it was considered safe/allowed to travel according to the XXXX of California. During the pandemic ( XXXX through XXXX months, the most dangerous in California ), CITI sold the account to a debt collector. 

Debt Amount {$4700.00} Member since XXXX ( seven years history of good standing and payments ). 

During the pandemic, I have tried numerous times to get a hold of CITI customer service department at XXXX* but had to wait online for long periods of time without being connected. Thus, I was unable to resolve the issue with my account or even to suspend payments due to COVID. At that point I would have been able to work out a solution as well.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I recently checked my credit report, and noticed some fraudulent accounts on them. I also sent a letter on XX/XX/year> to the credit bureaus demanding that they delete them. I'm filling this complaint along with the letters still on their way because I am in urgent need of my credit report being updated as soon as possible.
Consumer complaint received 2023-02-07
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. (MD)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Atlanticus Services Corporation (TX)

Aspire is a credit card with XXXX I was laid off and I had signed up with credit protection with them. I filed my claim they told me I didnt file it right when I did it took them a long time to answer then I got a letter in the mail they dont want to pain the Clain I was to late. They have hurt my credit so t want to help have XXXX customer service everyone is XXXX XXXX and no one really to talk too. It has been a hassle and I need an advocate
Consumer complaint received 2021-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX The XXXX, XXXX XXXX XXXX, XXXX, ( XXXX ) XXXX doing business as XXXX XXXX pulled Soft Credit Report Inquiries on XX/XX/21 & XX/XX/21, which lowered my credit score.
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Experian is showing delinquencies that are not factual, from a house that I use to own at XXXX XXXX XXXX XXXX XXXX CA. XXXX. XXXX  XXXX XXXX sold the loan and did not forward the funds in a timely manner to the new bank and it was reported as late. I paid both banks on time but it is damaging my credit by not being reported accurately. I have sent a certified letter explaining this to Experian and asked them to research and respond over 20 days ago I am still waiting to hear from them.
Consumer complaint received 2020-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hi, I requested an increase in my credit line from Bank of America. My Fico Score is XXXX. The card they issued had such a low limit. I am an XXXX and a XXXX at a major University. The letter I received provided no clear explanation besides general economic and loss trends not relating to me specifically. I feel that I am being discriminated against because of my ethnicity. Not only do I have a personal checking account but I also have a 10 year old XXXX XXXX with BofA, so the form letter I received is totally insulting. I would appreciate it if you would look into this. Someone with a XXXX and a XXXX who can be discriminated against like this means other people not similarly situated are treated worse than I. 
Best, XXXX
Consumer complaint received 2022-04-01
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. (WA)

I have disputed XXXX XXXX XXXX numerous times and have also made a complaint about them specifically to you, on my credit report with XXXX it shows they removed them from my credit report only to let them add it again. So it was successfully disputed and then they added the same information all over again. 
As far as Experian goes I have disputed this debt of XXXX XXXX XXXX and they refuse to remove it knowing that this is an invalid debt and XXXX XXXX XXXX is illegally reporting false/invalid information to credit bureaus.
Consumer complaint received 2020-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

In XX/XX/XXXX I tried obtaining a home loan for me and my family. At that time I discovered that an inaccurate account was still reporting on my credit report from a Bankruptcy that I filed back in XXXX. Upon discovering this, I disputed the inaccurate account with XXXX XXXX and Equifax Credit Bureau in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The XXXX XXXX account is showing an outstanding balance of {$5800.00} and as an open account. The original amount that was filed in the Bankruptcy was for {$5500.00}. Due to the negligence of XXXX not correcting their records, they have added interest and late fee 's onto this inaccurate Account. When I received the disputed results back from Equifax Credit Bureau it always come back as VERIFIED AS ACCURATE. How is it verified as accurate when I have in black and white proof that shows there should not be a balance, the account should not be an open account, the account should not be a charge off and I included it in a Bankruptcy? That leads me to believe that either Equifax DID NOT do a through investigation and did not give me my due process or when XXXX Card sent information to Equifax they DID NOT do a through investigation. None the less. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to " promptly DELETE all information which can not be verified as 100 % accurate information. I request that you DELETE this immediately. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2019-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Continental Finance Company, LLC (PA)

I made a late payment in XX/XX/2019 of what I thought was enough to cover my past due amount. I was unable to determine the past due amount because my statements are not being sent to me electronically and also are unavailable on the companies website for me to access. By choosing electronic statements it is my understanding that the company is required to provide via email and or make available online which neither is being done. As a result I incurred a 30 day late because my payment amount had changed and my {$50.00} XXXX payment was short {$22.00}. I have since paid the additional amount to bring account current.
Consumer complaint received 2017-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

I h ad  XXXX    XXXX   XXXX  accounts that were included in my  2013 Ba nkruptcy that was  discharged yea rs ago. They are continuing to update every single month and it is killing my credit and financing. I have filed a complaint with the Bankruptcy courts recently.. They are in clear violation .... I have disputed it with the bureaus and  XXXX   XXXX  claims it is valid. How is updating monthly on a bankrupt account valid?   This is a clear violation and needs to be fixed!
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (CT)

An account with discover was opened using my social years ago, I reported it to the credit card company, the credit bureaus, cfpb, and my state attorney general and it got removed. 

The only credit report it shows up on is XXXX. 

No other bureau has it on the report. 

It is now showing up BACK UP on my report and NEEDS TO BE REMOVED IMMEDIATELY. 

This account is fraud and XXXX is in violation YET AGAIN 15 U.S. Code S 1681c-2. " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identify theft, no later than 4 business days after the date of receipt. '' It has been MORE THAN 30 days and you are in VIOLATION of this law because I am a victim of identify theft. Please delete these items IMMEDIATELY. 

I AM CONTACTING MY STATE ATTORNEY GENERAL, CFPB and logging ALL POSSIBLE COMPLAINTS AGAINST DISCOVER CARD AND XXXX. 

REMOVE THE ACCOUNT TODAY.