davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-07
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. (FL)

Hello, for about a year now I have been trying to pull my Transunion credit report online on XXXX  and I have been unsuccessful. 

My Transunion credit report is not generating on the website. I also can't use the Transunion website because it says that I need to pull my credit report first in order to file a dispute. 

I have addressed this issue tons of times through email, and telephone but I am still not able to get it. If I go to apply for credit, the creditor can't obtain my Transunion credit report.
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (PA)

Equifax sent my information in a data breach to millions of people which compromise my information being misused I currently am on the dark web and I can't get out I have suffered many consequences from this and all they offer me is protection which is already destroyed.
Consumer complaint received 2018-02-11
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: Convergent Resources, Inc. (CO)

Hello, So I have an account with XXXX and XXXX that popped up on my credit report a few months ago. This is total fraud as I have had XXXX XXXX XXXX for the past 3 years. I have filed a police report on the incident, sent the documents to the credit agencys as as XXXX and XXXX. However, it is still pulling on my credit. The accounts are not mine and they will not take it off. I've asked for a validation of the account and still nothing. 

Please help. 

Regards, XXXX XXXX
Consumer complaint received 2018-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/XXXX I transferred XXXX to my Bank of America account XXXX. I made an error. I should have transferred XXXX. Subsequently, four items including one for {$5.00} dollars put my account into an overdrawn state. Aside from the error, I have repeatedly asked BOA not to pay out if there insufficient funds. I was charged {$140.00} dollars. I would like the total amount returned to my account-it clearly was an error.
Consumer complaint received 2022-04-29
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: FC HoldCo LLC (IL)

In accordance with the fair reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 section 602 States that I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer Reporting agency can not Furnish A account without my written Instructions.

15 USC 1666B : A creditor May not treat a payment On a credit card account Under an open end consumer credit Plan as late For purpose.
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-04-29
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. (NY)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-01-12
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: General Motors Financial Company, Inc. (CA)

I applied for vehicle financing with GM financial on XX/XX/2021. I received the vehicle XX/XX/2021. 

I see that there are 4 additional credit inquiries from GM Financial in the next 2 months that I did not authorize. GM states they did not inquire. The inquiries are dated : XX/XX/2021 XX/XX/2021 ( 2 inquiries on this date, one from XXXX XXXX GM, one from XXXX GM ) XX/XX/2021. 

I did not authorize these, I was approved based on the correct XX/XX/XXXX credit check.
Consumer complaint received 2021-02-02
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: California Business Bureau, Inc. (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-06-28
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)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

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
Consumer complaint received 2021-06-07
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. (TX)

Experian is in violation of 15 U.S. Code 1681a ( d ) ( 2 ) ( B ) which states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device is to be EXCLUDED from a consumer report. 

Please understand that pursuant to 15 U.S. Code 1602 The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

The law clearly states ANY card, and the credit card that I used to originate the consumer credit transactions below was my social security card which makes me the original creditor and issuer. 

The accounts below by law should be removed immediately. 
XXXX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX Also please be advised that I have asked Experian to investigate these accounts numerous times, and I have ample proof that Experian has conducted said investigations and sent me correspondence that the results of their investigations were factual, accurate and true. 15 U.S. Code 1681a ( e ) states that in order to conduct an investigation by law the information is supposed to be obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Experian can not provide proof of this because it did not take place. 

15 U.S. Code 1681a ( e ) also states that the consumer report shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer when such information was obtained directly from a creditor of the consumer or from the consumer.. So, if Experian did in fact investigate the accounts and came to the conclusion that the information associated with the accounts were 100 % factual and true then it should NOT be included on my consumer credit report pursuant to 15 U.S. Code 1681a ( e ) I DO NOT trust Experian to thoroughly investigate this matter at all because they are regurgitating the same vague " verified as accurate '' letters that they have been sending me for almost a year, which is why I am submitting this complaint through the CFPB for a third time.
Consumer complaint received 2019-11-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

My son was scammed by an XXXX XXXX woman, alias XXXX XXXX who represented herself as a Travel Agent with XXXX XXXX XXXX XXXX and sold my son, an airline ticket/hotel accommodations. She was referred by my sons supposedly friend and said she was scammed also. 
Details from my bank statement are below Purchased authorized on XX/XX/XXXX too XXXX XXXX * to XXXX XXXX  XXXX, CA XXXX XX/XX/XXXX XXXX was debited from our joint Wells Fargo checking account with my son. 
XX/XX/XXXX, I filed a claim with Wells Fargo because the purchase was made from my son debited visa card. Wells Fargo advertises Zero Liability Protection if you do not receive a product or service. My claim was denied by Wells Fargo because the transaction went thru XXXX XXXX. I contacted XXXX XXXX and they responded sorry and instructed us to contact their legal department. Their legal department was sent an email todayXXXX. 
I also filed a police report with XXXX  XXXX, Texas Police Dept. The case number is XXXX XXXX, number XXXX After several abortive calls to XXXX XXXX at XXXX I began texting her at XXXX. I texted her to return or refund the money and I received the following text message from her. 
I copied and pasted her text message below : Baby you need to look up your laws with money transfers and thats why the bank wouldnt give it to him due to XXXX XXXX lol yall try to sound so professional and look crazy
Consumer complaint received 2022-08-17
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)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to delete this inaccurate information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : {$5600.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX : {$0.00} XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX
Consumer complaint received 2020-09-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (ME)

I had owed a private student loan through Navient ( at the time Sallie Mae ) and had unfortunately defaulted on it about 12 years ago. I never since made any payments and the statute of limitations for suing has passed. On top of that, I had a bankruptcy discharge in XXXX of 2016 which included everything that was eligible at that time including this loan. I all of the sudden am now getting calls constantly from a collection agency stating I am still responsible to pay this loan back. When they speak with me, they have used threatening language that I believe is attempting to trick me into renewing the statute of limitations and agreeing that I still have to pay this. I spoke with a supervisor a few weeks ago and she actually hung up on me when I told her that I do not owe this loan due to the bankruptcy. I want the harassing calls to stop.
Consumer complaint received 2023-06-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (HI)

Portfolio Recovery Associates LLC representing XXXXXXXX XXXX for XXXX XXXX XXXX last for digit XXXX Account was charged off on XX/XX/2016, due to illness in the family XXXX XXXX XXXX XXXX XXXX, the account holder chose life over debts and became the care giver for the XXXX patient. The account went into default, there were no communication from Portfolio Recovery Associates LLC written or verbal, its been 6 years and they scout my profile in different ways, got my last job and try to garnishee, which was XXXX XXXX XXXX, and during the filing from XXXXXXXX XXXX  to Portfolio Recovery Associates LLC they went through Legal and garnishee my Checking and Savings of what little I have of a total combined of {$400.00}. 

What happen to the statutory law in Hawaii of 6 years. 

Now I'm broke.
Consumer complaint received 2018-02-09
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Tiempo Finance Company Inc (TX)

I have asked this company several times to stop calling me at my place of employment. My office manager has explained that we can't have personal calls at work but they still call. Today at XXXX XXXX I told XXXX with XXXX XXXX  once again to stop calling. 

XXXX the manager has threatened to come to my place of employment. This companies collection practices are illegal. They are heartless and cruel. 

Even though I speak to them they still call my references. They are trying to embarrass me during this rough patch in my life.
Consumer complaint received 2021-10-13
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: NCB Management Services Inc. (AL)

This debt is a result of Identity theft and this needs to be removed immediately. The debt for XXXX  XXXX  has been previously disputed, removed and then was sold to a collection company and put on my credit report again after being previously removed. I checked my report and they are being reported as deragatory. This is keeping me from buying a home and my job of choice.
Consumer complaint received 2021-06-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc (TN)

Medicredit keeps leaving voicemails about an attempt to collect on a debt. I have never received any correspondence regarding a debt. When they leave a voicemail and it's time to state who they're calling, my name is never mentioned. In fact, there's a brief pause and then the person proceeds to say that they're trying to collect on a debt. How am I supposed to know WHOSE debt this is if you never mention who you're trying to speak to. How am I supposed to know WHAT the debt is in regards to if I've never received as much as a letter in the mail. From all I've gathered, it could be a scam call. If I owe any debts to this company, I need to see something in writing. Recorded voicemails that don't state who they're trying to contact is unacceptable.
Consumer complaint received 2023-01-19
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. (IL)

This account was with XXXX federal. XXXX XXXX removed because it wasnt my account than the collection agency reported it on XX/XX/XXXX please remove off credit as soon as possible
Consumer complaint received 2022-01-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (FL)

ComenityBank/XXXX is in violation of my consumer rights according to the FCRA. I have sent affidavits to them as well as the violations the committed and they still havent complied or find a solution.
Consumer complaint received 2021-05-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc. (PA)

I have been trying to " verify '' my account with Binance.US since XXXX. I have sent them the documentation that they requested multiple times, which they keep rejecting, stating that my address does not match ... which is untrue because all of my information is the same on my license, on my bank account, on everything. 
They will not release my funds until I am " verified '', but they won't verify me. 
This is now six months that they have held my funds hostage. 
They have no incentive to release my money. They can keep denying me indefinitely. 
I have sent dozens of emails and filed multiple tickets. They take months to respond.
Consumer complaint received 2020-01-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caneel Capital, LLC (CA)

I purchased a home in XXXX, I had an 80/20 loan but only had one mortgage servicer and made only one payment to them - not two separate payments. In XXXX I had my loan modified, the modification states that I have a new loan with one payment and everything would be brought current, and I had a payment schedule. 

I have kept to that schedule and haven't missed payments, however, I recently found out that they didn't not include the 2nd mortgage in the modification - even though they told me they did, and my modification agreement states the loan will be current. 

I have never received a bill, or statement or even knew I had a 2nd mortgage since XXXX. 

But I recently received a notice of default from Trinity Financial from the XXXX agreement. They have never contacted me or asked for payment. My home has recently came up in value and so they are looking to foreclose, but I'm on time with my first mortgage and had no idea there was still a second. 

The company is Trinity Financial Services , LLC. 

The loan modification agreements states that $ XXXX would be added onto my loan, and that amount - as told to me - was to pay off the 2nd and my late payments in total. 

But when they modified my home loan, they only modificed my first home loan - which was never explained to me. And now the lender with the 2nd lien is coming to foreclose.
Consumer complaint received 2021-06-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CMRE Financial Services, Inc. (NV)

Hello! Hopefully someone can help in regards to a collection from CRME. First of all, I never received any letters from CRME stating I owed any debt nor did I receive any letters from CRME at all. This collection in the amount of {$620.00} was originally from XXXX XXXX XXXX from a visit back in XXXX of XXXX. At this time I was covered by XXXX XXXX XXXX XXXX and I have bank statements showing proof that insurance payments were successfully coming out of my bank account via autopay but for whatever reason XXXX XXXX XXXX XXXX didn't pay the bill. I had no idea of this debt until this collection hit my credit in XX/XX/XXXX. If I would have known about this debt I would have paid it without hesitation especially since it was such a small amount of money. Once I saw the collection on my credit report I instantly disputed the collection because the debt should have been paid by my insurance company. Unfortunately the dispute didn't go in my favor so I contacted CRME via phone to attempt to settle the debt. When I called CRME I had to correct the address they had for me on file because CRME didn't include the suite number. I explained to CRME what happened with the insurance company and I told CRME that I was unaware they were trying to contact me in the first place ( probably due to the address not having a suite number ). I asked CRME to do a courtesy deletion on my credit report after CRME receives my payment in full since this was just a mistake. I got NO. I called multiple times, dealt with multiple people and they all said no. I even pleaded with them that i'm in the process of buying a house and this is really affecting my chances of being able to get it now, they didn't care to work with me at all. All I want to do is pay the debt and get it removed from my credit report so I can buy a house for me and my family and if this collection doesn't get removed that might not be possible.