davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

There is a freeze on my credit report for all five credit bureaus that need to be removed immediately the following bureaus are listed : XXXX, XXXX XXXX, Transunion, XXXX, and XXXX
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for XXXX XXXX XXXX to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

XXXX XXXX XXXX - XXXX Last 4 digit of SSN : XXXX
Consumer complaint received 2022-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name XXXX XXXX XXXXXXXX, Account Number : XXXX Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, and also these accounts are out of the statute of limitations in Texas, therefore these accounts must be removed asap, they also violated my rights under -15 U.S.C 1681 section 602 A. States I have the right to privacy. 

-15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions -15 U.S.C 1681c. ( a ) ( 5 ) Section 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 records of convictions of crimes which antedates the report by more than seven years. 

-15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-24
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: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item needs to investigate and delete for erroneous reporting in my file and is listed on my credit report. 

XXXX - XXXX XXXX XXXX
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

CFPB I made application to Bank of America for an XXXX  XXXX XXXX card with a special promotional bonus in XXXX, XXXX. Bank of America responded on XX/XX/XXXX with a letter of denial citing the reason : Unable to verify identification. 

Subsequently I contacted Bank of America asking why they were unable to verify my identification and how I could assure them of my identity. During the conversation their representative requested that I provide the Social Security Administration permission to verify my existence. Instead I provided a copy of my original Social Security Card and my REAL ID driver license on XX/XX/XXXX. 

On XX/XX/XXXX I received a denial identical to the XX/XX/XXXX letter citing the reason : Unable to verify identification. Once again I contacted Bank of America by telephone and asked why they could not identify me to their satisfaction. The banks representative stated that the Social Security Card copy and REAL ID driver license did not meet their requirements and that the bank needed a form SSA-89 Authorization for the Social Security Administration To Release Social Security Number ( SSN ) Verification and a copy of my XXXX IRS Income Tax filing. I provided the cited documents mid XXXX, XXXX and have received neither the requested VISA card, nor a third denial from Bank of America. 

It is my suspicion that Bank of America does not wish to honor the promotional bonus of XXXX XXXX Airline miles which were promised. My credit score is exceptionally high ( greater than 800 ) and my income stable. 

Within Bank of Americas system my application is identified as Reference number XXXX
Consumer complaint received 2021-04-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (OK)

In XX/XX/2020 I contacted Rushmore regarding the status of my mortgage payments and that we were struggling to make our mortgage payments due to a loss / decrease to our income due to COVID 19. We received nothing from Rushmore in writing until XXXX at which time they offered a " Modification '' agreement to adding 10 more years to our mortgage with no relief in the monthly payment but a few dollars. I called back on XXXX and advised them we were unable to make the " Modification '' Payment amounts at that time and we needed additional relief and requested a " Forebearance '' for our payments as my husband was struggling trying to find a better paying more consistent job due to the pandemic. At that time I was advised they were " recoding the system to request the assistance of the forebearance and that i would have something in writing within 10 days ''. On XXXX I called back as we still had not heard anything. I was then advised that there must be an error or oversight on their part and that the request would be escalated and I should be hearing from them within XXXX - XXXX hours. On XXXX I called back and was given the exact same ( verbatim ) sentence as my previous phone call on XXXX. As of today, I was told by XXXX Employee # XXXX, nothing has been done, there must have been an error and he was escalating to his manager and that we should hear back within a couple days.
Consumer complaint received 2020-10-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BBVA FINANCIAL CORPORATION (AZ)

This is regarding BBVA aka Compass Bank. My mother passed away in XX/XX/XXXX and her estate disbursed two checks on major banks. I have been trying to open an account to use my inheritence  to purchase a home as was my mothers XXXX wish. I have been going round and round since XX/XX/XXXX with multiple visits to the branch and nearly two dozen phone calls most of which have gone  unanswered trying to get an account opened up. I was told they needed to speak with the legal department because even though the checks were issued to the now defunct trust that they were provided a copy of and signed over to me by my brother as he is co trustee they didn't know if I could use them or if they'd need to be reissued to the estate of. After nearly a week " legal '' got back to them and stated we could use them as issued and I just needed to provide a TIN for the defunct trust and I need to sign a multiple trust agreement. Great! my brother can go into a local branch ( since we live in seperate parts of the state ) and I can go into mine and sign and everything will be hunky dory Can you give me this multiple trust agreement and I'll get this taken care of? The banker states she's never heard of this document. I ask can she get it from " legal ''? She doesn't know! She states to look on XXXX for this document. I Obtain my TIN and take time off work to go in only to be told now they need to have " legal '' approve my TIN. I tell her Should be about two days. I start calling at two days and three days later I'm told it's approved and I just need to provide them with this multiple trustee agreement that nobody knows anything about. This banker waited nearly two weeks to attempt to locate this form  that she new I would need so I could deposit over {$72000.00} in checks! My mortgage company, my brother, my REALTOR have all been in contact with this banker trying to get this done! We have postponed closing on the house for a month causing undue stress on me and my brother because of the lack of professionalism by this banker. It's bad enough that we just lost our mom but this treatment has the potential to cost us thousands of dollars and should not happen to anyone else.
Consumer complaint received 2020-05-15
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 — Problem with personal statement of dispute
Company: DISCOVER BANK (NY)

When my mom passed away in 2014, I had to travel to XXXX. I had left some family members in my home to watch over my children not thinking otherwise with our bedroom open and all of my credit cards in one of my bags. One of them ended up using my credit card, basically stealing thousands from me. I reported it to discover but it was too late. We managed to lower the payment from a little over {$9000.00} to {$4500.00}. As I was ready to make the payment, they told me they will not accept the payment and that they have filed a 1099-C.
Consumer complaint received 2018-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC. (MI)

I spoke to a representative about a couple of weeks who said that they had sent information regarding their claim to the wrong address. I explained that they had the incorrect address and also that I never had a personal loan with HSBC. I tried to give the correct information so that they would send the information to me so that I could dispute it. The representative would not allow me to. They said that they would just notate that I refused to pay. I told them that they were not adhering to Fair Debt Collection Practices Act and they said that they did not have to because they are not debt collectors. They called again today with a recorded messaged saying that I was avoiding my responsibilities. I have never had a loan with HSBC. I need for them to verify the information that they are using so that I can file a proper dispute.
Consumer complaint received 2018-01-18
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Westlake Services, LLC (FL)

Westlake Financial Services has negatively affected my credit for some time. Jumping from one bureau to another. Stating the account was opened XXXX 2013 for an amount of XXXX. I would like to have this removed.
Consumer complaint received 2022-08-12
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. (PA)

I believe that someone is using my personal information to open up credit accounts with my knowledge. I noticed an open account with XXXX in XX/XX/XXXX XXXX that I didn't authorize. The number for the company is not in service. It says that XXXX XXXX is a loan company for immigrates and I am a US citizen. 

I also noticed unauthorized inquiries in my report from XXXX  XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) and XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX ) There is an account with XXXX XXXX XXXX XXXXXXXX that has been reported as charged off in the amount of {$2400.00} that is not my account. Date opened XX/XX/XXXX There is a collections account for XXXX XXXX XXXX opened XX/XX/XXXX in the amount of {$840.00} and also XXXX XXXX XXXX in the amount of {$1400.00} opened XX/XX/XXXX Please remove these items from my account. 

Thank you
Consumer complaint received 2020-07-15
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: CBC Companies, Inc. (TX)

print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute  XXXX XXXX XXXX all filed to the ftc
Consumer complaint received 2020-07-15
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)

print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute  XXXX XXXX XXXX all filed to the ftc
Consumer complaint received 2018-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/XXXX, my husband and I requested credit investigations as XXXX  and Trans Union. Since that time, my husband has received his results, but I still haven't received anything in response. XXXX   and Trans Union were supposed to respond within 30 days. I am attaching a copy of the letter we sent them, requesting investigations at the same time.
Consumer complaint received 2018-10-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (LA)

I was checking my credit report and saw i had a collection account with this company, I've never had any dealing with this company. I've different tactics such as a debt validation letter asking them to provide my signature as well as with me giving my permission to share my information with a third party as well as contacting them to remove this negative reporting item from my credit report and I've received no solution
Consumer complaint received 2022-08-12
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. (GA)

Hello Ive been having someone trying to open accounts under XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX documents below includes the following. Thanks
Consumer complaint received 2019-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I had a vehicle lease through XXXX ( XXXX XXXX XXXX XXXX) for XXXX XXXX, my lease ended XX/XX/XXXX, I had called XXXX several times to ask information about the end of my lease, I was told to get the vehicle inspected with the company that they had provided, after inspection I can return the vehicle anytime between XXXX XXXXt and XXXX XXXX because they offer 10 days grace period. I did everything that was asked of me to do. Ireturned the vehicle on XX/XX/2019( still within my grace period). About 3 weeks later I received several phone calls from a rude agent named XXXX from XXXX XXXX  XXXX  stating that I was late on my lease payment and that I needed to pay the amount owed within the next few days. I explained to him that my monthly bill was always being deducted automatically from my bank account, I had made all my payments in full and on time, I also informed him that the car was returned back in XX/XX/2019. He was adamant that I owed the monthly payment, and the car was never returned to XXXX. After going back and forth with me for several minutes I decided that I didn’t like the tone at which he was speaking to me and I wanted to speak to someone else. Finally another agent got on the phone to inform me that the dealership did not finish the paperwork for my lease return and as far as they know I owe the monthly payment. Few days later I got a notification that XXXX reported a late payment (30 days past due) to all 3 credit bureaus; at this point, I was livid I called XXXX  again the representative told me that I have never been late and he does not know what I’m talking about. All the employees are so rude ( XXXX, XXXX) and do not care to properly answer any of the questions asked by the customer.  It is unfortunate that a big company like XXXX chooses to report fraudulent information on people’s credit report. XXXX is nothing but XXXX XXXX XXXX!
Consumer complaint received 2021-04-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (TX)

After reviewing my credit profile on XXXX identified a discrepancy with account listed under Ability Recovery Services and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2021 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2021 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Consumer complaint received 2018-07-18
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 — Problem with personal statement of dispute
Company: Caliber Home Loans, Inc. (IL)

On XX/XX/2017, I paid on my XX/XX/XXXX payment. 

The payment was made on the phone and through automation, which has and keep my payment information. The payment was made on the XXXX and there is an audit log from XXXX XXXX that also verifies that I paid on the XXXX. 

Caliber homes the mortgage company was closed on XX/XX/XXXX and there was no prior notification of this fact. I called in twice and in order to pay I made it through the automation in which I have done since having the loan for 3 + Years without a late. 

After paying I also did not receive a confirmation via email that is done and also as proof of payment. 


Caliber home was closed until XXXX the XXXX, or XXXX. They then processed my payment. 

They reported my payment 30 days late although I paid and have proof from XXXX XXXX, and also letters from them stating I paid on the XXXX, however, they continue to report me to the credit reporting agencies as late even after admitting they have knowledge that I paid on the XX/XX/XXXX ( please see attached documents ). I also demonstrated that I also had funds in the account. 

I am seeking relief from the CFPB to help resolve this issue as it is not a correct reporting. There are logs that show that I made the payment on the XXXX, the law does not stipulate it is when a company decides or available to process. As part of the fair credit reporting this is against the law and I am being treated unfairly and have taken a severe credit hit due to this issue that should have been resolved. 

I have disputed with the company multiple times and at the highest level and have been treated rudely and disrespectful in the process.
Consumer complaint received 2021-09-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

I received a forbearance/deferral from Mr Cooper. In XXXX I spoke with XXXX my dedicated point of contact who told me the past due payments could be tacked on the back end of the loan at the end of the plan. I have been trying to get in contact with her only to find out today I have a new contact person named XXXX. After I email her she finally contacts me to tell me that I now need to apply for a modification! This is specifically what I told XXXX I didnt want to get into. This bank plays dirty and gives out wrong information only to put you in a no win situation where they will deny your loan mod! They need to apply the payments to the back end of the loan and honor what I was told by XXXX, since I relied on that information! HELP!!!!!!
Consumer complaint received 2021-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (WI)

On XX/XX/2021, My credit card was closed by Wells Fargo Bank, the bank do not indicate any reason. And the reward account link to that card goes to XX/XX/XXXXafter closing, there is no way to redeem all the rewards.
Consumer complaint received 2018-07-18
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. (MI)

I have multiple accounts reporting on my credit report that do not belong to me, including but not limited to student loans. The accounts are reporting from XX/XX/XXXX from XXXX XXXX XXXX XXXX for {$9600.00}. I've repeatedly disputed these things with this company. I've also come to discover that Michigan statue of limitations for debt collection is 6 years. the law states that this shouldnt be reporting to my credit regardless of the situation. also, I see a third party debt collection company, by the name of XXXX XXXX XXXX for the amount of XX/XX/XXXX for the amount of {$870.00} and another from XXXX XXXX XXXX for {$320.00} from XXXX.
Consumer complaint received 2021-09-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IA)

This has not been resolved, XXXX XXXX XXXX should have never allowed your company to purchase this debt because there wasn't any debt owed. How come my proof of payment doesn't match up with the one statement provided. I am requesting full history, transactions, payments, purchases etc on this account.