davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

On XX/XX/XXXX, there was a fraud charge on my card. I informed My banking institution, they gave me provisional credit for XXXX. On XX/XX/XXXX the provisional credit was taking back, i called the bank and i ask them why did they take the money out of my account, the banker told me it was taking because they did not receive my my claim back that was mail to me, i informed her that i did not receive the form. The lady informed me that the claim was put in as a dispute, i informed her that it was not a dispute that it was fraud. So the lady informed me that since this was fraud that they were going to wave the check fees. The lady also told me that i had to go to my home branch and sign the documents, then they could rush my provisional credit, so i went to the home branch and sign the documents. then i called the bank again and informed them that i went to the home branch and signed the documents the lady told me ok, then she told me i will receive the provisional credit in three days.I called the bank back on XX/XX/XXXX what happened to my provisional credit, the lady informed me that my claim was denied, and that is why i did not receive the credit. I informed the banker how could she deny my claim when they made the mistake and file it as a dispute and it was fraud, and i did not make this charge. I informed the banker my wallet was lost. and someone found my wallet and use my debit card, my pin was in my wallet because i had a head injury so i forget stuff real fast. I also informed the credit beaural That my Identification was stollen also. they waved the fees but they denied the claim.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

CFPB + TransUnion, This complaint is in relation to a credit account this creditor ( XXXX XXXX XXXX has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (NY)

To date, I, a qualified consumer in/from New York state , due to new discovery ; I am an injured party/woman that has been and is being damaged by Navient Solutions , LLC XXXX XXXX XXXX listing inaccurate information on my credit reports containing erroneous school loan debts amounting to {$50000.00} ; It is my understanding Navient has entered into a CONSENT JUDGMENT with the United States Courts, and agreed to cooperate with the Signatory Attorneys Generals, New York Attorney General being one of them. ( My state ) ;
Consumer complaint received 2019-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

My identity was compromised and so I froze my credit report on all three bureaus. I am a XXXX and using a service to do XXXX background check and the XXXX system relies on Experian 's data. I temporarily unfroze my credit report to be able to use the XXXX XXXX  XXXX  system. When the system tries to validate my identity, at least half the questions do not relate to any recent transactions that I have done ( e.g. where did you buy pet insurance recently? ). As a result, I've been locked out the system. I've tried two separate days thinking the incident was just a fluke since I see nothing on my Experian credit report that is unknown to me ( including a review of all hard inquiries ). I tried calling Experian through XXXX and XXXX to inform them that something was wrong and have been unable to get anyone on the phone. For someone with compromised identity and a valid pin number issued by Experian, I'd like to be able to talk to a human being as I don't know if this was an internal system error ( e.g. my file being crossed with someone else 's ) or if someone had used my personal information for other purposes than the account recently discovered.
Consumer complaint received 2018-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/XXXX, I sent Experian a letter stating all of the incorrect information reflecting on my credit report.

I received a response from Experian on XX/XX/XXXX, but hardly any of the information was corrected.

I do NOT want my telephone numbers reflected.

I was NEVER married, I do not want a spouse listed.

I WANT the 8 other addresses listed on my credit report REMOVED. I have lived at my current address for 15 years!

There are addresses ( a lot ) listed on my credit report that I don't even know what addresses they are. A lot of the addresses are addresses I have never lived at. I explained this to them in a letter I sent to them certified mail on XX/XX/XXXX.

I am not sure where they obtain their information, but it should not take me three letters to them to correct the information that is reporting incorrectly.

I have sent them my license and utility bill to show this is my address. 

I want my credit report to reflect my correct information and it appears they refuse to do so. 

Thank you.
Consumer complaint received 2020-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2020 I 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 I'm 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 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-12-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (LA)

XXXX XXXX XXXX sold my loan to Carrington Mortgage in XXXX XXXX. I was told by XXXX XXXX XXXX that everything that was in place with XXXX XXXX XXXX would be honored by Carrington once the loan was sold. After the transfer to Carrington I was told that Carrington did not honor everything that XXXX XXXX XXXX told me. I was in a loan modification at the time in which i was completing my 6 years without missing any payments and had to call XXXX to help make XXXX honor my loan modification. XXXX XXXX XXXX told me that I would be entitled to a RECAST by my consular XXXX XXXX XXXX after my six year and Carrington told me the would not honor that.
Consumer complaint received 2017-10-02
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. (NY)

One of the addresses listed is associated to a fraud committed against me getting services from XXXX. It is : XXXX XXXX XXXX XXXX XXXX XXXX NEW YORK XXXX.
Consumer complaint received 2019-10-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Avant Credit Corporation (CT)

A loan with Avant Credit was sold to XXXX XXXX according to a recent credit report, XXXX XXXX is owned by XXXX XXXX XXXX, separate complaint was submitted against this company as well via CFPB portal. As stated in prior complaints, the terms such as rate were not disclosed at time of loan approval. Avant claims I chose the loan amount and terms were disclosed which they were not and the amount, {$6800.00}, was the only amount offered to me at the time and needless to say, I did not choose it as there was no other option available. I later learned of the terms such as high interest rate when a contract was emailed to me after approval and payments were made which have since ceased. Avant claims to have proof of disclosure such as screen shots, none of which they have shown and I believe to be entirely bogus. Numerous negative reviews on XXXX and other consumer rating sites reveal the same high interest rate is charged to everyone whom is approved, regardless of credit score. It appears Avant is still reporting the account as 180 days late despite it sold to XXXX XXXX and last payment made in XXXX, which is well past 180 days and is an attempt to get me to pay which will not happen. Their last reply to prior CFPB complaint requested me to call customer service for payment options which will not happen as again, it was sold off and I did not agree to terms of loan, there are no documents with my signature agreeing to anything. This account is scheduled to remain on file until XXXX, please advise Avant they need to agree to lower interest rate and remove interest charged since last payment made if they wish to see any payments. If not, the account will eventually fall off credit file and Avant will see no payment ( s ).
Consumer complaint received 2017-10-02
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: EQUIFAX, INC. (TX)

I have a ton of inquires on my credit report that i did not authorize ( car dealerships ) .I tried to contact the credit bureau about these changes an the refuse to help me!!
Consumer complaint received 2015-12-06
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have experienced what I assume are common problems with TransUnion 's credit-monitoring services. Earlier this year, I attempted to check my credit report by going to XXXX. I must have inadvertently enrolled in ongoing credit-monitoring services from TransUnion. I did not intend to enroll in these services. I assume I mistakenly failed to " uncheck '' a box on an online form. 

I did not receive any benefit from these services. Although I was apparently receiving these " services '' for several months, I only realized that I had enrolled for these services after receiving an email notifying me that something on my credit report had changed. I then noticed charges from TransUnion on my bank statement. I immediately called the TransUnion customer service number posted on TransUnion 's website. Someone answered, and I explained that I wanted to cancel my subscription to these services. The person on the phone asked to put me on hold. She spoke with me a few times over the course of forty minutes to tell me that the computer was having a hard time retrieving my information. Finally, she told me that I had called the wrong number at TransUnion and she was unable to transfer me. She provided me with another number, which I called repeatedly and it only produced a busy single. 

I finally located yet another number on TransUnion 's website. I called and spoke to another customer service person who tried to sell me additional services despite my repeated statements that I was only interested in canceling the services I never intended to purchase. By the end of the call, I believe that the customer service person finally agreed to let me cancel my subscription. TransUnion has not sent me any sort of confirmation, however. 

I realize I should have been more vigilant in reading the fine print and monitoring my bank statement. However, I believe this situation -- inadvertent enrollment in credit-monitoring services and difficulty cancelling them -- is common and contemplated by the credit-reporting companies. Of course, consumers should periodically monitor their credit reports. In part, this is necessary to ensure that the credit-reporting companies themselves have not made an error. Credit-reporting companies should not be permitted to profit from this necessity. I urge the Consumer Financial Protection Bureau to issue rules preventing the credit-reporting companies from bundling any subscription-based services with the free credit report they are obligated to provide under the Fair Credit Reporting Act. Additionally, the CFPB should require these companies ' websites to prominently display the availably of this free annual credit report with an explanation that receipt of this report is not contingent on enrollment for any paid services. Alternatively, XXXX should allow consumers to receive a credit report without directly dealing with the credit-reporting companies. 

Thank you, XXXX
Consumer complaint received 2016-04-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Choice Recovery, Inc. (OH)

I have a a unverified account from CHOICE RECOVERY Account # XXXX. I had previously disputed this account. I have never done business with CHOICE RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt CHOICE RECOVERY purport I owe. I request that CHOICE RECOVERY Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX
Consumer complaint received 2022-03-10
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: ENCORE CAPITAL GROUP INC. (TX)

I sent a validation letter to Midland Credit Management on XXXX XXXX, 2022 attached below under Midland Validation letter. Their response was to only send an invoice of an amount they claim I owe them. I have already disputed the account with the original company ( XXXX ) that the debt does not belong to me ( attached below ) as this company does not have the correct address on file. So why are midland still reporting on my credit report, as they have provided no proof this credit belongs to me, I did not sign any paperwork, and are reporting inaccurate information.
Consumer complaint received 2017-07-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: BB&T CORPORATION (TX)

Repeat issue. " We expected some customer loss ( when we took over the XXXX accounts in Texas ) '' - BBT Branch Representative at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. My credit report is still being negatively affected by BB & T as a result of poor account management and customer service following a disputed transaction. The dispute investigation ended in my favor however the bank did not correct information with the credit bureaus, indicating my account as having payments that were 30 and 60 days past due. No information has been accessible online via portal and PDF nor in the mail as to the issue. A {$0.00} balance continues to show on my credit report as 30 and 60 days late ( see image ).
Consumer complaint received 2019-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. 

This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2018-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

In XX/XX/XXXX ... there was an unauthorized hard inquiry placed on my credit. I am just now seeing it this year.After contacting XXXX XXXX ... the parent company this XX/XX/XXXX ... they've contacted the subsidiary in which ran my credit : XXXX XXXX. They did the research and found that there's no way I authorized my credit to be ran. They've sent the request to all credit bureaus to have the hard inquiry removed ... XXXX ... XXXX ... nor Experian have done such. The inquiry is STILL on my credit!
Consumer complaint received 2017-12-26
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. (OH)

I have a account from XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX That is still showing on my report that should already be deleted. My address is XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ALL THESE ADDRESSES ARE NOT ACCURATE PLEASE DELETE. 
I have a unverified public record that needs to be removed OHIO XXXX XXXX DOCKET # XXXX it is not to my knowledge listed properly please delete error. Then there is this account XXXX XXXX XXXX XXXX # XXXX I do not recognize this company never had a contract for business and never heard of them please delete.
Consumer complaint received 2019-10-26
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

I opened a savings and checking account with Chase bank on XX/XX/2019. The account was opened and I started the process to fund the account. I funded the account through a transfer initiated by Chase with my other bank. On XX/XX/XXXX I received an email stating Chase had canceled the transfer. I called Chase to ask why they had canceled the transfer and they told me they closed my account and canceled the transfer. I have asked repeatedly why my account had been closed right after I opened it and the only response I receive is " Our account specialist reviewed the account and you can no longer bank with Chase. '' I am unsure what caused them to determine I am unbankable and I feel like they should have denied my account request initially instead of waiting for me to initiate the transfer. I would like Chase to take me off of their unbankable list because I have done nothing wrong. If there is something wrong with my banking history they should be able to explain to me why they decided to close my account. Thank you.
Consumer complaint received 2017-10-19
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. (TX)

INACCURATE INFOMATION ON CREDIT REPORT SO I SENT IN A POLICE REPORT THE BREACH TOTALLY XXXX MY ACCOUNTS UP NOT REPORTING XXXX  STATED BY LAW
Consumer complaint received 2016-12-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: National Credit Systems,Inc. (NC)

I had not been supplied with any notification of said debt. I would like this to be removed as it is negatively impacting me as it is being reported to the experian and transunion credit bureaus. They failed to provide any verification nor have they informed me of any rights to dispute the debt. My information was illegally shared without my consent so I am requesting it be removed from my profile.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AL)

I was part of the Equifax credit information hack. I find it unacceptable that I have to pay to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information, and I should not be required to pay them additional money to protect my information, especially when they are doing a poor job in the first place.
Consumer complaint received 2017-10-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Alliance One, Inc. (MD)

I XXXX XXXX desire to work out a payment arrangement with XXXX XXXX XXXX XXXX directly. As a public utility this company is governed by a public service commission, not protected by the Fair Credit Reporting Act. In addition, this account has been sent to two collection agencies to illegally cloud my personal credit rating, without written consent or assignment to collect being sent to me directly. Accordingly, this collection must comply with the legal collection process as mandated by FTC v. XXXX XXXX XXXX XXXX. These collections need to be deleted and as I stated, I will work out any payments, if required to XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-10-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My account with XXXX XXXX XXXX was hacked and the following activities took place : 1. On XXXX/XXXX/XXXX, {$750.00} was fraudulently drawn from my checking account. 
2. On XXXX/XXXX/XXXX, {$3100.00} was fraudulently drawn from my checking account. 
3. On XXXX/XXXX/XXXX, {$2000.00} was fraudulently withdrawn from my checking account 4. On XXXX/XXXX/XXXX, {$320.00} was fraudulently withdrawn from my checking account. 

As a result of these illegal activities, the account sustained NSF charges in the amount of {$450.00} This case was reported to the Fraud Investigation Department of XXXX XXXX XXXX on XXXX/XXXX/XXXX. It is over 48 hours and no response and this has put me in a serious financial stress.