davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Bureaus, Inc. (TX)

XX/XX/XXXX To whom it may concern at the Consumer Financial Protection Bureau : I would like to file a complaint against a collection company by the name of XXXX XXXX XXXX. 

This XXXX XXXX XXXX continues to slander my credit by placing collection accounts onto my credit files that they never verified prior to placing these fraudulent, false accounts onto my credit files. 

As previously stated, XXXX XXXX XXXX never verified the collection accounts that they have placed onto my credit files, and they know that what they have done is unlawful. 
So now XXXX XXXX XXXX is resorting to passing off these collection accounts to other collection agencies, such as a XXXX  XXXX XXXX XXXX XXXX XXXX, etc. 

XXXX XXXX XXXX claims to have acquired the accounts from Comenity Bank, and this Bureaus Investment Group never contacted me to verify the debts. 

Last year when I requested copies of my credit reports from the credit bureaus, this is how I found out about these collection accounts being placed onto my credit files. 

Since last year I have disputed these wrongful collections against Comenity Bank, and I have also disputed these wrongful collections, against XXXX XXXX XXXX. 

And although XXXX XXXX XXXX knows that they unlawfully placed these collection accounts onto my credit files, they have refused to remove them. 

Between both, XXXX XXXX XXXX, and Comenity Bank, they are both listed on my credit files for the same wrongful collection debts, and due to this, my credit files are being slammed twice for these unlawful collections that I did not run up, nor owe. 

Both XXXX XXXX XXXX, and Comenity Bank are intentionally making sure that they maliciously destroy my credit score, and rating. 

They have both, falsified status dates, on the collections that they have placed onto my credit files, such as activity in XXXX, and XXXX. 
They have done this so as to make it seem as though these are present debts that I have acquired, and that I have recently done business with Comenity Bank, which is a lie. 

I have had nothing to do with Comenity Bank going on almost two years. All of the status information that both Comenity Bank, and XXXX XXXX XXXX are placing onto my credit files is unlawful, as well as untruthful. 

I want all communication from XXXX XXXX XXXX to go directly to the Consumer Financial Protection Bureau, and the Consumer Financial Protection Bureau can contact me. 

I want XXXX XXXX XXXX and its collection cohorts, to Cease and Desist from slandering my credit, as well as harassing me, I want no contact from them.
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (SD)

I finally got equifax to temporarily lift the freeze on my credit file confirmation # XXXX but i still can not obtain a copy of my free credit report as they have still got the system asking me questions about things that don't pertain to me. the verification questions do not pertain to me. I do not have any mortgages or loans. they will not provide me with a credit report and their online system does not recognize my information at all. It never works. i don't believe they have lifted the freeze but their system states it was lifted and provided me with the above confirmation number. i don't know what equifax put on my file but can not verify the answer to the questions that do not pertain to me. none of what they are asking me has been and should not be on my credit file.
Consumer complaint received 2020-12-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Greetings ; I have inquiry I didnt authorized on my credit report and I want them remove, I dont know how it is possible that some company can check the report without people authorization.
Consumer complaint received 2020-11-03
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. (GA)

I pulled my credit report and noticed my low score. I took a look at the things that were hurting me and noticed inaccurate information. I called about the account stating that I had several missed payments and noticed each one are reporting something different on all 3. Can you remove this off my account immediately! I never had this account and dont know where it came from.
Consumer complaint received 2017-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

Capital One was not able to give me specific dollar amounts on payments for each transaction type nor are the payments for each transaction type listed on the credit card statement.. 

They would only refer to the procedure of how payments are applied. 
According to Capital Ones procedures, the minimum payment is applied toward the balance with the lowest APR ( 0 % ) and any remaining amount is applied toward the balance with the highest APR. The statements does not show the amounts on the statement. There must be a violation of the Truth in Lending Act. 

I am unable to see where my payments are being applied when there are different types of transactions listed on the credit card statement. 

1. Capital One credit card statements does not show the True balance for the transaction type special transaction ( 0 % on use of access checks ). When a payment is applied toward special transaction type, the statement does not show what the balance ( s ) is. See statements dated XX/XX/XXXX thru XX/XX/XXXX. 

2. Capital One credit card statements does not show the amounts applied to each transaction type. There is no line item showing the amounts applied toward the purchase type transaction balance nor the special transaction type balance ( s ).
Consumer complaint received 2020-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Thaxton Investment Corporation (TN)

The account from Heights Finance listed, was charged off in XXXX of 2018. On my XXXX  report it shows the charge off amount was {$2400.00}, but it continues to go up every month and shows at this moment an amount of {$4000.00} owed, this should not be happening due to the account being charged off. On my XXXX  report it shows the charge off amount of {$3400.00}, it also continues to go up every month and shows an amount owed of {$4000.00}, this should not be happening due to the account being charged off. On my XXXX  report it shows the charge off amount was {$3400.00}, it also continues to go up every month and shows at this moment an amount owed of {$4000.00}. I need this resolved immediately, as it is hurting my credit rating significantly.
Consumer complaint received 2020-11-03
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

Failure to XXXX, Fair Credit Reporting Act Request under 611 ( a ) ( 7 ), for the following items within the time set forth by law. 

Capital One Bank Usa XXXX Open Date XX/XX/2017 Capital One Bank Usa XXXX Open Date XX/XX/2017 Balance {$440.00}
Consumer complaint received 2019-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have made several attempts to have XXXX, XXXX XXXX XXXX  XXXX removed from my credit report with TransUnion. I paid that balance off in full in XX/XX/2018. TransUnion is in violation of my rights. This credit agency refuse to remove the account from my report. My credit score is at all time low as a result of them refusing to investigate. This is also a very old bill. I've moved into a new apartment after losing my home due to theft and abuse of my personal information. I have a new account number with XXXX, XXXX XXXX XXXX  XXXX. If only TransUnion take time to look into this matter with XXXX XXXX XXXX XXXX  XXXX.
Consumer complaint received 2021-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I tried to access my free annual credit report 3 weeks ago. All 3 agencies denied me access and did not provide any explanation. I filed a complaint with CFPB about this issue. The complaint files were opened, one for each agency. Only 2 companies responded, but they did not respond to my question about why they would not provide my report online. XXXX  and XXXX  claimed my credit report will be mailed to me. So far, I have not received any credit report. However, CFPB closed the complaints, despite my refutation that they didn't address the complaint. 

TransUnion hasn't even responded to the complaint yet. 

It has been 3 weeks since I tried to review my data held by credit agencies and I'm still waiting. 

What is the CFPB doing to resolve these issues? 
XXXX XXXX XXXX
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 (AL)

Paypal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistakes as I assume it has to be. PayPal quite frequently. My Email linked to my paypal is XXXX XXXX
Consumer complaint received 2021-04-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (NY)

I have an account with Robinhood Financial LLC XXXX XXXX XXXX. 

I have {$2300.00} on the account and they will not let me withdraw it nor will they allow me to close my account and then withdraw it. 

They wanted to verify that I own the bank accounts that I used, and I supplied them with all the documents, including bank statements that prove that I am the owner of the accounts. However. they did not allow me to withdraw my money because the XXXX XXXX XXXXXXXX statement I provided was a photo and not a PDF. I now can not get a PDF bank statement from XXXX XXXX XXXXXXXX as I closed my account with them. 

I also do not use XXXX XXXX XXXXXXXX for more than XXXX years now. The bank account I used to deposit funds on XXXX was another account who's statement I provided. 

I have exchanged multiple emails with them for months now and it's ridiculous that because of a format that I can't get my money out! I can't even close my account!
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 — Account information incorrect
Company: MoneyLion Inc. (ID)

In XXXX of XXXX, during the pandemic I took a {$1000.00} credit builder plus loan from Moneylion Inc, located at XXXX XXXX XXXX, XXXX XXXX, XXXX, UT XXXX. Loan number XXXX I broke my foot after taking this loan and was placed out of work for several months. When I returned to work in XXXX of XXXX, I contacted XXXX customer service and they agreed to not submit this to collections, remove the escrow portion of {$500.00} of the loan. Since the escrow would be my own money returned to me and only require to repay the {$500.00} advance portion of the loan. We agreed to make XXXX XXXX of XXXX to repay this, which started in XXXX of XXXX and was sent a confirmation email by the XXXX XXXX representative, on this agreement. I made XXXX XXXX payments from XX/XX/XXXX until XX/XX/XXXX. On XX/XX/XXXX I paid the loan off in full and have the bank transactions to prove this. XXXX  claims, on my XXXX credit report, that this debt was a charge off and have listed from XX/XX/XXXX until XX/XX/XXXX as each month was a charge off. On my XXXX account, the loan is listed as paid off in XX/XX/XXXX. Infact  I was offered and accepted another {$1000.00} credits builder plus loan shortly after I repaid this XXXX on XX/XX/XXXX. They certainly wouldn't offer this to an account holder with a charged off account. I have disputed with XXXX many times and have shown all the proof that this account was paid and not charged off yet it still remains the same. This was not agreed to as a settlement but a means to repay this and remain in good standings with XXXX.
Consumer complaint received 2021-04-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia (VA)

Credit Control Corporation at XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX has failed to validate my debt. I was contacted by this company asking that I pay XXXX collection bills in the amount of {$4800.00} and {$120.00}. These XXXX collection accounts are invalid. I have disputed this debt with them, I do not owe this company. Credit Control Corporation does not have a contract with my signature. Credit Control Corporation has sent me a list of my medical records and medical procedures which is a direct violation of XXXX regulations. I have never done business with this company, I do not owe this debt. Please delete these XXXX credit collections from my credit file and cease all collection activities immediately.
Consumer complaint received 2024-05-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (TX)

I am having issues with Edfinancial ( my federal student loan servicer ) crediting payments made on behalf of my employer through XXXX. 

XXXX pays {$100.00} a month to my student loans, which has been credited without issue until the last 2 months. Both the XXXX and XXXX {$100.00} payment is missing and I have contacted Edfinancial who will only tell me all payments have been credited. 

This is not true however, I contacted XXXX who said the payments were made as usual and they have reached out to Edfinancial. 

It has been over a week since they reached out and we have not heard back. 

I need help properly crediting these payments from XXXX on my student loan serviced by Edfinancial.
Consumer complaint received 2022-04-26
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: Kikoff Inc. (MI)

I have a Credit Monitoring account with XXXX*. In XXXX XXXXXXXX timeframe... I rec 'd a notification of many inquiries/accounts being opened in my name ( with my social security number ) that I did NOT authorize. I immediately asked the credit monitoring service to assist by requesting them to have a *freeze* put on my credit thru all 3 credit bureaus. 

I then opened an account with XXXX ( Federal Trade Commission ) regarding all the accounts opened as part of an obvious IDENTIFY THEFT. And then, followed all the recommendation by the FTC to send dispute letters to the creditors/lenders. I additionally contacted the fraudulent lenders by phone/email ... explaining my situation and asking for accounts to be closed. All that effort seemed to work except ONE ... KIKOFF LENDING. I have repeatedly ( XXXX XXXXXXXX ) tried to get KIKOFF LENDING to understand the Identify Theft... to no avail. 

I then created accounts with XXXX and XXXX ( not XXXX ... as I get a free XXXX credit report via my XXXX account... and it looks fine ). The XXXX and XXXX credit reports, however, show KIKOFF LENDING and a *closed / UNPAID* account. I, thus, filed disputes with XXXX and XXXX and the results of those disputes were unsatisfactory. They said... they verified- with XXXX - that the account was valid and belonged to me. IT DOES NOT belong to me and is not valid. 

Kikoff Lending , LLC - XXXX XXXX XXXX XXXX - XXXX XXXX, CA XXXX - ( XXXX ) XXXX Again ... not my account... this is a result of FRAUD / ID THEFT
Consumer complaint received 2021-04-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BAM Management US Holdings Inc. (CA)

XX/XX/XXXX I deposited {$3000.00} on XX/XX/19, i purchased {$1000.00} ETH and {$300.00} XXXX, XXXX XXXX is incorrect {$450.00} it should be {$1700.00} + my previous balance. i opened several ticket XXXX XXXX XXXX XXXX to resolve this issue, until now, it's not resolve and there's no response and no phone number to call binance.us
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to delete the following information on my credit report. The items I need removed are listed in the report I am a victim of identity theft and did not make the charge, I asked that the items are deleted to correct my report. I reported the theft Of my identity to the federal trade commission and I also have enclosed copies of the federal trade commission identity theft affidavit. I would appreciate it if you delete it these items promptly as it is hindering me. I am trying to advance in my life by getting a house in car to provide for me in my family.
Consumer complaint received 2021-11-02
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: LEXISNEXIS (GA)

I have had extremely high quotes for auto insurance which led me to obtain the LEXISNEXIS report. This company has been informed that the mailing addresses and incidents filed under my auto record is incorrect. This record continues to reflect false driving record details and the incorrect addresses!
Consumer complaint received 2020-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (PA)

My purse was stolen on XX/XX/2020 in XXXX, PA. I called TD Bank ( FDIC very number XXXX ) and alerted them to the theft and that my debit card and license were stolen. They Closed my debit card and instructed me to come into the branch to get a replacement. I went into the XXXX, PA branch the following day, XX/XX/XXXX, and again inform the teller that my bank card and my ID and my entire wallet have been stolen, that no checks were included in my purse, and I was looking to make sure that my account was safe. She processed a new debit card for me. On Tuesday, XX/XX/XXXX, I received a phone call from a TD Bank branch in XXXX Pennsylvania. They inquired as to whether or not I was in their drive-through, and when I answered that I was not, we determine the fraud was being perpetrated. Upon arriving at the branch they determined that it withdrawal slip had been forged and my drivers license, which had been stolen, was being used to attempt to withdraw {$4000.00}. Unfortunately, they also informed me that earlier that morning, in XXXX XXXX New Jersey, a withdrawal had already been made using the same drivers license and a forged withdrawal slip for {$4000.00}. Police reports have been filed both in XXXX Pennsylvania and in XXXX Pennsylvania. Im disappointed that despite the fact that TD XXXX was informed twice that my purse was stolen, that no holes were placed on my checking account or alerts placed on my checking account to ensure adequate protection. Ive subsequently, closed my checking account and placed additional protections in place. Unfortunately that does not get me back the {$4000.00}
Consumer complaint received 2020-11-03
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: CASHCALL, INC. (CA)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received an investigation results.
Consumer complaint received 2020-11-03
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. (AL)

My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Consumer complaint received 2021-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 140 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.