davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-06
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: SYNCHRONY FINANCIAL (CA)

Designed XXXX account with XXXX XXXX XXXX Hospital is reappearing and reporting a collection account of {$89.00} that was previously disputed in 2014. All credit reporting investigate along with the receipt for payment to XXXX XXXX XXXX hospital as paid in full and remove from all credit bureaus. Now designed receivables is still reappearing on all credit bureaus reporting lowering my credit scores. Along with them is the PayPal credit cards that received their payment and reporting as late pay on all credit bureaus reporting, my credit scores. Please investigate and correct my reports. Thank you. XXXX XXXX
Consumer complaint received 2018-06-06
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: Experian Information Solutions Inc. (PA)

On XX/XX/2018 I mailed a certified dispute letter disputing information from an unknown account, XXXX XXXX for {$910.00}, that was added to my experian credit profile. I waited 30 days and did not receive a response from Experian. I called today on XX/XX/XXXX and was advised that experian did receive a response from the creditor but had not verified it by documentation or any other means saying instead that the creditor " disagreed '' with the dispute. They were not able to tell me why I was not notified in writing of the results, when the results were available, or if they would ever send the results. I explained to them that they were obligated to verify this account and they only offered to start a new investigation which would take another 30 days. This infringes upon my rights under the fair credit reporting act. I would like Experian to either verify this account and send me in writing the methods used to verify this account or delete this negative tradeline immediately.
Consumer complaint received 2018-06-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have been communicating with Bank of America since XX/XX/XXXX regarding a temporary financial hardship. My mother was ill and then died, leaving me with paying her bills until I could sell her house. XXXX XXXX delayed things further. All this time I had been communicating with Bank of America via written correspondence and providing whatever documentation they needed. In spite of this, they began foreclosure proceedings. My estate attorney permitted me to do a partial distribution of the estate funds on or about XX/XX/XXXX. I sent Bank of America a payment of {$7200.00} " to catch up '' on missed payments. They returned the check to me. The foreclosure proceedings continued and a date was set. On XX/XX/XXXX I sent a cashier 's check for {$13000.00} and that also was returned because " the amount was not correct '' even though I had VERIFIED by phone the amount with a Bank of America employee. At this point I have to wait for the cashier 's check to be returned to get ANOTHER cashier 's check. My foreclosure date is XX/XX/XXXX. All of this back and forth " cat and mouse '' game is going to cause me to become HOMELESS! Plus, I am working TWO jobs. So having to leave work to get a cashier 's check and then also to go to a XXXX XXXX sending point to mail the payment overnight is causing me to lose time from work! All of this XXXX is causing me to become XXXX XXXX!
Consumer complaint received 2022-01-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2021-07-09
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 — Investigation took more than 30 days
Company: Advanced Resolution Services Inc. (TX)

On XX/XX/2021 I sent ARS information to dispute an unverifiable bankruptcy that was appearing on my report and on my wifes XXXX XXXX report. I sent them all information, including a police report. On XX/XX/2021 they said they verified the bankruptcy. On XX/XX/2021 I received a letter from ARS stating they were putting the bankruptcy in dispute status. On XX/XX/2021 I sent an email to the manager XXXX XXXX with questions on the investigation. She said the bankruptcy was in dispute and would be removed when the got a certified court order. I call a number of times and they hadnt received it. I called after XX/XX/2021 and the representative said XXXX was on vacation and would return on XXXX XXXX. I spoke to XXXX  on XX/XX/2021 after speaking to a representative who said it was still in dispute. I told XXXX  it had been over 30 days and they must remove. She said they put it in dispute as a courtesy. I said there is no such thing. You must remove because the time ran out. She said no.
Consumer complaint received 2021-07-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Peter Roberts & Associates, Inc. (MA)

I had collections with XXXX XXXX, which they hire Peter and roberts associates to come after payments, I paid all accounts that was on my credit. They had told me once I paid these debts will be removing from my credit report, so far everything I paid is till on my credit report, its hurting my credit to the core, my credit is not going up until these collections have been remove, Im stuck and cant move forward. I need to purchase a home and because of these collections not being remove on my credit report is causing me to wait for the collections to be remove till I can buy the house. 

Please I need help, I wrote them letters to remove these collection that I paid and they still not doing so.
Consumer complaint received 2021-07-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX and Equifax are reporting 6 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2015-12-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CITIBANK, N.A. (NC)

CitiFinancial is reporting to XXXX that I owe them {$7100.00} from an installment loan that supposedly went into collections back in 2011. For well over a year, I have been trying to contact them to resolve this loan, but they continuously give me no avenue for resolution. I filed a complaint with your office back in XXXX of this year asking for your help in getting CitiFinancial to speak with me about resolving this debt. We received a response from Citi regarding who to contact to get this matter resolved, but 6 months later, we are no closer to getting this matter resolved. Despite countless attempts to contact Citi, I either get no response or notification that they do not have that account number on file. Quite simply put, CitiFinancial is holding my credit report hostage. They are reporting an unresolved collection account on my credit report, and simultaneously providing no avenue for resolution. I am going to be uploading XXXX documents. The first is a snap-shot of how CitiFinancial is reporting this debt to XXXX The XXXX is the response I received through your office from our XXXX complaint. The third is the latest response I received from Citi. Once again, they are back to stating that they have no record of the account, or can find no record of the account with the account numbers THEY are providing.
Consumer complaint received 2022-01-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2021-07-09
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. (DC)

The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2020-04-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A. (CA)

I opened new checking account with PNCbank on XX/XX/2020 with signup bonus of {$500.00} when I meet the direct deposit requirements. 
I Meet all the signup requirements and never gotten the signup bonus, And when I contacted then they are saying different reason that I had this account before but that was not mentioned in the terms anywhere. 

I was opened this account when they popup the advertisement when I login their portal for my credit card management.
Consumer complaint received 2022-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this complain certified mail to help establish a legal recourse. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law... Please remove/block the items/account as they are fraudulent & were opened without my consent or knowledge... Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Address : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX Account : XXXX XXXX. If you claim this account is 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Consumer complaint received 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

My personal information reports inaccurately and I believe that I am a victim of identity theft or multiple accounts have been mixed merged with other credit reports. My name is XXXX XXXX XXXX on my credit report XXXX has listed me as XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Equifax reports my middle initial as XXXX which is also not accurate. On XX/XX/2021 I sent a request for the inaccurate names and addresses to be removed and as of today XX/XX/2021 the inaccurate information continues to report. Please see the attached credit report and letters submitted to the credit bureau.
Consumer complaint received 2021-07-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX are reporting 11 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2019-05-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Dear CFPB, My name is XXXX XXXX XXXX. I am a resident of the state of Massachusetts, Social Security No. is XXXX. I have recently attempted to inquire with my online bank Capital One 360 over the past month and a half, regarding two of my accounts being placed on hold a personal checking account, and a personal savings account which have been active since 2016. 

The accounts online state the following message when I attempt to log in, and access my funds : " Your funds are currently unavailable for withdrawal ''. The message then requests me to call a customer service line that rarely answers my calls when I attempt to call. My call is often prompted to an automatic voicemail box, that never returns my calls to simply gather information for a timeframe as to when my funds will be available to withdraw again. 

I have only twice been able to contact the team who is supposedly involved in this matter, who does not give me any specific information or details, as to why my accounts are on hold to begin with. 

If CFPB could please aid me in this issue in regards to Capital One 360, and them not allowing me to access my funds, this would be greatly appreciated. 

-XXXX  XXXX XXXX
Consumer complaint received 2021-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (AZ)

On XXXX XXXX this credit card was paid in full. The credit card company charged an interest fee on a {$0.00} balance which went unacknowledged and turned into 2 late fees. The company stated they would remove the late notice from the credit bureau but never did and again charged another interest fee on a {$0.00} balance. Due to this issue, I again asked them to remove the late notice from the credit bureau and to close my account.
Consumer complaint received 2016-12-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Southwest Credit Systems, L.P. (AR)

Reporting/collecting unverified/unvalidated debt to credit bureaus. They are not licensed to collect in my state ( Arkansas ) to do so,. See Ark. XXXX XXXX. XXXX. The statue of limitations is up in my state. AR Code XXXX XXXX. XXXX XXXX This is a violation of AR collection law and fair debt reporting practices. I have been disputing a collection account on my report from Southwest Credit Systems, L.P. ( original creditor XXXX XXXX XXXX XXXX ) since XXXX 2016. On XXXX 2016 the account was removed from my XXXX credit report because it could not be verified or validated ; and at this time XXXX was the only bureau reporting the collection account. Since, the company has changed the address and even date and re-reported the debt without my knowledge or the 5-day notice required by law to notify that it would be re-inserted. This situation is really hurting my credit reports on all XXXX bureaus and affecting my ability to purchase a reliable vehicle and take care of my family. I check with a lawyer and we have found multiple violations. The collection should not be on my report and is affecting my ability to purchase a reliable vehicle and take care of my family. Please remove this from all XXXX bureaus as it is being unfairly and wrongly reported.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-03-31
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. (TX)

15 USC 6802 I was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which I was not given. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify all Hard Inquiries you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a ( FRAUD ) or ( FRAUDULENT ) Hard Inquiries. 

I was denied credit recently because of this my wife got sick because we couldnt secure the loan to help her health. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I need this resolved asap.
Consumer complaint received 2021-09-10
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. (TN)

XXXX / XXXX XXXX is reporting inaccurate information on my credit report. We have a hardship agreement in place since XX/XX/XXXX XX/XX/XXXX and in addition, we have a new hardship agreement in place in XX/XX/XXXX for one year.

According to the Cares Act, they are not to report any damaging payment history that would hurt my credit if our account has been modified, which includes a hardship agreement since XX/XX/XXXX for one year and again in XX/XX/XXXX. We have agreed for a reduced payment and paid while under the hardship agreement. We have also caught up-to-date and now paying more than full payments since XX/XX/XXXX without missing any payments. XXXX is aware of this issue and promises to correct the payment history. In addition, XXXX said to dispute with the credit bureaus, and they will correct with no late payment history. Please correct the payment history as paid-as-agreed and Current on payments in the payment history as agreed to by law.
Consumer complaint received 2021-08-07
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: Santander Consumer USA Holdings Inc. (NY)

Santander USA failure to accept Federal Truth In Lending Act Striking a balance : when to extend the right to rescind under three years which occurred between Santander USA and me. The the XXXXXXXX XXXX XXXX XXXX tow my car for a ticket. Was been forced to paid {$3500.00} with legal reasons. I informed Santander USA. We both agreed that they would get the ticket paid for at {$350.00} and agreed to renegotiated contract attached voided the original car note as a provision. 

That contract was executed and Santander USA reporting deragotory information on my credit up to date. They have the car and was released of all debts with proof attached.
Consumer complaint received 2024-02-20
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)

I appreciate the attention given to rectifying the fraudulent entries within my file resulting from alleged illicit activities. However, notwithstanding your efforts, there remain outstanding items necessitating removal. This communication marks my secondary attempt to address the repercussions of fraudulent activity, seeking to dispute specific entries stemming from said criminal conduct. The disputed items do not correlate with any legitimate transactions or authorized actions on my part, pertaining to the acquisition of goods, services, or financial assets. Regarding the entries within my credit file attributed to the alleged fraudulent activity : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$560.00}. These aforementioned entries are entirely unfamiliar to me. Furthermore, discrepancies exist in the information provided, with instances of data deletion by other bureaus, casting doubt upon their accuracy. The reported payment histories of certain accounts remain shrouded in mystery. Pursuant to FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, I am within my rights to request the removal of such questionable entries.