davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-19
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: Lending Club Corp (CA)

I have tried to dispute an account with Lending Club corporation in regards to charge offs but without success.This company has continued to violate the California Credit reporting act by reporting an account that was never charged off, it was merely settled after falling late a few months.
Consumer complaint received 2018-07-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ameritech Financial (CA)

I XXXX XXXX received a letter by the Federal Trade Commission stating that Ameritech Financial is a fraud and has been taking money away from me and none of the payments have gone to my student loaner. I am frustrated because I been a costumer for a very long time now. I gave them my personal information and am scared they will use it.
Consumer complaint received 2017-09-20
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. (CA)

I have submitted disputes to Experian for over 2 years and also to CFPB only to have the same information continue to be reported wrong on my credit report. There are 7 accounts with XXXX XXXX that should be only reported with an account status of closed, payment status paid and negative comments removed only showing paid in consolidation I have a positive consolidated account from XXXX that is not reporting wrong and I 'm not requesting a dispute for that account. Also there are 8 accounts from the XXXX XXXX XXXX reported as paid collection, payment status should be reported as paid, account closed consolidation only and the 8 accounts show a negative on my account on XXXX 2016 even though the rep from Experian spoke to the XXXX XXXX XXXX on the phone and Experian has refused to correct it, there is no reason for a account that was consolidated to be reported and show a negative as its a positive part of someones history and should not be considered a negative. I have contacted XXXX & the XXXX XXXX XXXX   and they have continued to state they have n't been contacted by Experian to correct the late and the comments or to verify the information again. I have sent them proof of identity with my disputes and information to assist in the corrections to my reports.
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In XX/XX/2020, I filed a dispute with this credit bureau about the unverified account : XXXX XXXX XXXX Account # XXXX. In those 2 months I have asked numerous times for a response and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified and inaccurate account as of today. 
Thank you
Consumer complaint received 2020-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Over the course of the last year Capital One has repeatedly committed malicious fraud against me. They were even forced to close a bank branch permanently for participating. Their apparent habit is to ignore and attack their victims like some XX/XX/XXXX XX/XX/XXXX. I have waited for so long it's insane. I am owed incalculable damages and actual losses from my account ( shown in other complaints ) I want them to stop abusing me a d pay up now.
Consumer complaint received 2020-10-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/XXXX XXXX, and everyone else I spoke to that day, they refuse to give me their names. And other Bank of America, discriminate against as a XXXX members they made me wait excessive wait times and hung up on me multiple times. 
Filed a complaint that she submitted with out reading to me. Refused to file my complaint as stated and wouldnt tell me the next steps.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Consumer Financial Protection Bureau ( CFPB ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX Re : Complaint Regarding Inaccurate Hard Inquiry on TransUnion Credit Report Dear CFPB, I am writing to file a complaint against TransUnion regarding an inaccurate hard inquiry on my credit report. 
I obtained a copy of my TransUnion credit report and identified a hard inquiry This inquiry is associated with an account that was subsequently deleted by TransUnion. 
I contacted to inquire about the hard inquiry and they confirmed that the account was deleted because they were unable to locate me and I did not meet their eligibility requirements. However, TransUnion has not removed the hard inquiry from my credit report despite the account being deleted and the creditor acknowledging no fault on my part. 
I have contacted TransUnion on and submitted documentation from verifying the account deletion and their confirmation that I am not responsible for the closure. However, TransUnion has not responded to my request for removal of the hard inquiry. 
This inaccurate information is negatively impacting my credit score and making it difficult for me to obtain credit. 
I request that the CFPB investigate this matter and instruct TransUnion to remove the inaccurate hard inquiry from my credit report. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX
Consumer complaint received 2020-07-28
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: GLA Collection Company, Inc. (KY)

on XX/XX/XXXX a request was made in writing to GLA collections XXXX XXXX XXXX XXXX Ky. XXXX ( XXXX ) XXXX in reference to ( 2 ) accounts that they were reporting to my credit report. The request was for documentation proving the account was mine and to let me get with my insurance provider to make sure this was not an oversight. I did not recieve the information as requested in the 30 days allowed by the FCRA. I contacted them in XX/XX/XXXX and they did not get the information out. So, I contacted them on XX/XX/XXXX and was told they could not and would not speak to me about this account. until the cease and desist was removed. The cease and desist was on all collection calls not the sending of the verification of debt which they failed to send.
Consumer complaint received 2019-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I opened a capital one credit card account back on XXXX XXXX I payed my account monthly never late on XXXX XXXX  my account was closed over 1 returned electronic check payment which my bank at the time was responsible for mistakenly returning the payment I contacted my financial institution as well as capital one too resolve this but capital one accused me of improper & unethical use of my credit card & closed my account then reported derogatory information to all three major credit bureaus they also said I was not eligible to ever apply for a credit card account threw capital one? Capital one was also included in my bankruptcy which was discharged on XX/XX/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. (TX)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and caused me undue stress and defamed my character : 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 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) 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 the records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

The reporting of these accounts is a violation as I have not given written consent to furnish, my privacy has been violated and I have reason to believe the data reported is inaccurate since they do not match across any consumer reporting agency. DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT. 
Please send me an updated report upon completion of my request. 
Sincerely, XXXX
Consumer complaint received 2020-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UMB FINANCIAL CORPORATION (IL)

I have opened a checking and savings account with UMB on XX/XX/2020. The accounts were opened successfully and was able to manage my account online. 

But within a couple of weeks, my accounts got locked and I'm no longer able to access my accounts or funds. The bank even rejected transfers when I transferred money leading to locks on my accounts at other bank as well. 

Since then I have been trying to have this resolved and gain access back and it has been already more than a month. Every time I call in they transfer to different persons or ask me to call a different number. They keep me on hold and come back only to say that the person who would look into this issue is not available and promises to call me back. But I never get any call. This is really frustrating.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

I am not liable for this debt with XXXX XXXX, I do not have a contract with XXXX XXXX XXXX. they did not provide with the contract i requested over the phone. I paid it off with the inquire of covid 19 relief they had.
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: Rozlin Financial Group, Inc. (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-12-08
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. (CA)

I am writing this due to non-compliance with the Credit Reporting Agencies ( XXXX, Transunion, and XXXX. ) They have failed to remove information that was affiliated with personal details that were challenged in the past. 

Consistently reporting erroneous items is a clear violation of the law. The negative items on my credit report can not be authenticated to be certified under testimony to be true and accurate. 

I strongly believe they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2024-05-21
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (WI)

Eastern Account Systems knowingly, willfully, and intentionally filed a FRAUDULENT report with all three credit bureaus, falsely claiming I owed {$210.00} to " XXXX XXXX. '' This claim is a blatant lie. 

Their defamatory statements have severely impacted my credit score, costing me a {$15000.00} deposit as I am now unable to close on a loan. Litigation is pending, and I will seek full reimbursement for the damages caused by their criminally libelous actions. 

Moreover, Eastern Account Systems is currently conspiring to harass and psycho-call me several times an hour from multiple, untraceable phone numbers. These ghost calls are clear violations of the FDCPA, and each call has been meticulously logged. The pending litigation will seek a {$1000.00} fine for each harassing call.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

I have disputed this capitalone XXXX card on XX/XX/2022, XX/XX/2022 in EXPERIAN has refused dispute or delete this account. I asked for XXXX and EXPERIAN to send a signed contract and I have not received anything!
Consumer complaint received 2018-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Accurate Background (CA)

To whom it may concern : In XX/XX/XXXX of this year, a friend of mine suggested that I take a short trip to the local XXXX XXXX  retail location, and talk with his " friend '' about a part time employment opportunity. Right then and there we got in the car, arrived at the location in XXXX, CA, and I met with the manager " friend '' We like one another, he then asked me to come back for a " short interview '' and about three days later I did just that. We spoke for a matter of minutes, and we mutually decided that this was a go. At that time, I went to a computer as provided in the store, and completed a quick questionnaire, that was obviously going to lead to a background check. 
Since I have a license to XXXX XXXX with the XXXX, as well as the California Department of XXXX XXXX, both of which performed extensive background checks prior to enabling me to qualify for and receive the licenses, I saw no problem with the background check as requested by XXXX XXXX  ... and provided by a firm by the name of Accurate Background. Before I go any further, I would like to add that every time ( such is sometimes necessary in this industry ) I changed XXXX companies/employers, they also pulled background checks. Each and every time, there was never a problem. 

Unfortunately, after applying for this part time position ( a position that I would still like to have as a supplement to my income ) Accurate Background supplied a background check to my employer to be, and the data contained ( including but not limited to my DATE OF BIRTH were grossly INaccurate. 

In essence, the report that they supplied was so far from reality, that I can easily understand why XXXX XXXX ( after several weeks ) decided that they wanted nothing to do with me. As an example, I had a dui almost 8 years ago, no injuries, an unfortunate event. However, they reported me as doing XXXX  time for some 300 plus days ... I did not spend one day in XXXX. Naturally your average individual who reviews a background check and sees that this person ( allegedly/incorrectly ) spent nearly a YEAR IN XXXX, must have done something very bad. 

As I stated via the click throughs, I have attempted to get clarity with Accurate Background all to no avail, other than the fact that they corrected my birthdate! 

I had what I and the manager thought was a turn key opportunity to make some money, realize a ( albeit nominal ) benefit package ) however, because of a highly erroneous report, I was denied employment. 

Lastly, my concern ( s ) go further than just this specific lost opportunity, I am also concerned about the ( probable? ) collateral damage this report may have / may cause going forward. 

Thank you in advance for your consideration! 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-07-18
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (UT)

In XX/XX/XXXX, I was in an auto-accident and could not return to work until I was released by my doctors on XX/XX/XXXX. Due to these unforeseen circumstances, we have fallen behind with our mortgage payments. However, my husband has worked contiguously before and during this time ( and he is still employed ). I have requested a loan modification twice since XX/XX/XXXX. For the first loan modification request, the company claimed they mailed me a letter on XX/XX/XXXX asking for further information. I never received this request for the items listed in the XX/XX/XXXX letter. However, I continued to send other required/requested documents through XX/XX/XXXX. I never received a communication stating I was officially declined for my modification request -or- the language in their letters is very confusing, unclear, and/or does not explicitly express a declination. 
I have replied to each of their requests via mail, e-mail, or fax. Please see the attached files. 
I received a letter from XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX, UT ), dated XX/XX/XXXX stating my loan had been referred to their office and they were giving me notice pursuant to 15 USC 1692g. I immediately contacted the company and they claimed I was denied for my first loan modification due to the missing documentation. I have been working with the company ( not the attorney ) on a second loan modification request. I have emailed documents six ( 6 ) times for the second request and I call the company at least once a week, if not more, trying to understand what else they will need to consider my application a " complete loss mitigation package ''. 
I continue to get varying answers and they are rarely straightforward. I feel as if I am being given " the runaround '' intentionally. I don't know where else to turn or what more I can do to save my home. I am trying every avenue with the company, but I continue to receive push-back. Additionally, some ( not all ) of the representatives have been unhelpful and borderline abusive when I contact them to confirm receipt of documents or with follow-up questions. The representative I spoke with today ( XX/XX/XXXX ) insinuated I had damaged my home or property during the loan mod. process. Everyday, brings more concern of a foreclosure occurring, because they still have not marked the application as " complete ''. It seems as if the company is doing this because of the increases in the housing market and they would rather resale than help us save our home, as a way to make a profit on our loss. 
My husband is a Veteran, we are both in our XXXX  and hoping we can save our home to enjoy during our retirement. 

Thank you in advance for your assistance, CFPB.
Consumer complaint received 2018-07-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (CA)

I have requested VALIDATION of debt from Santander Consumer USA via  letter. Letter was sent XX/XX/2018. Letter was received by Santander Consumer USA on XX/XX/2018. Tracking is attached. In response to my letter, Santander Consumer USA sent numerous documents but not one of them VALIDATED the debt in question. i have asked for agreements that granted them the ability to report negatively on my credit report and agreements that bear the signature on a binding contract, factual documentation and records. None of these requested documents have been provided. This debt reporting to my credit file is hurting me substantially and has cause me to be denied by several banks. I would like to have this issue resolved by having this derogatory and offensive account removed from my credit file with all 3 credit bureaus ( XXXX, XXXX, and XXXX ).
Consumer complaint received 2024-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (MA)

On multiple occasions I tried to contact the citi bank about a promotional offer upon signing up for a checking account. I talked to 5 separate representatives over the span of 120 days and they all told me I followed the steps accordingly and should be expecting my bonus. The bonus was supposed to be given after 90 days from what all of the representatives told me and now its been 120 days and I havent gotten a single thing.
Consumer complaint received 2018-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (PA)

American express ( along with other credit card companies ) have a policy of updating merchants who post recurring transactions with new consumer credit card numbers as they change ... so that the merchant and consumers do not experience the inconvenience of having to update accounts each time a credit card changes. I get this ... but there is a major downside that I am surprised no one has challenged yet. 

The below may be generalized statements ... but they help paint a picture : The issuers generally do not allow the consumer to opt-in to this program The issuers do not allow the consumer to know who has been provided access to the new credit card number ( no notification ) The issuers make it difficult for consumers to manage who can hit their credit card with recurring transactions. ( you have to call and tell the issuers who to block - assuming you know which merchant has the new information ) There is a huge potential for fraud with this process, and it seems in this day and age, the idea that someone can provide my personal updated credit card information to vendors I want to stop doing business with seems outrageous. At a minimum, i should be allowed to opt in or out.