davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

On XX/XX/2022 I sent an investigation letter to XXXX, XXXX and equifax asking about the said bankruptcy XXXX on my credit report. They sent me back the reporter of XXXXXXXX XXXX. I contacted XXXX XXXX on XX/XX/2022 asking how was this information provided and if not from the actual source to remove this information from their files. On XX/XX/2022 and XX/XX/XXXX XXXX XXXX sent me a letter saying the information was not verifiable through XXXX and was removed from their records and updated. However equifax still had this information reporting on my credit as of XX/XX/XXXX. This info has been removed from XXXX and XXXX. Equifax is breaking several laws and their reporting has caused me denials for a home loan. The said information is incorrect. Please remove. This is my 7th attempt.
Consumer complaint received 2019-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: TD BANK US HOLDING COMPANY (TX)

I was a victim of identity theft and I had someone open up a fraudulent credit card in my name and it cause my credit score to drop down to XXXX from XXXX  and I contacted TD bank about this and they told me to take it up with XXXX  and I explain to TD bank that I was a victim of identify theft and they wont assist me much further and decrease my credit limit to XXXX from XXXX Ive been making my payments on time with TD bank and never been late and I dont deserve to be punish for theft mistakes I currently have a open dispute with XXXX because someone open up a XXXX credit card in my name and they are taking too long with the dispute
Consumer complaint received 2024-02-28
Product: Credit reporting 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 am writing to delete the following information in my file. The items that need to be deleted are listed in the report attached. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete these items immediately.
Consumer complaint received 2022-05-02
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: ACIMA CREDIT, LLC (TX)

An account from a lender listed multiple ways on my report ( ACIMA CREDIT FKA XXXX, ACIMA CREDIT , XXXX, ACIMA CREDIT , XXXX, ACIMA CREDIT XXXX and ACIMA CREDIT XXXX  ) on XXXX XXXX in which I immediately contacted the credit report bureau ( XXXX ) to dispute this matter as I have never requested a line of credit of any sort from this lender. The inquiries were removed by the agency ( 1 REMAINED ) which prompted several rounds of dispute which were not resolved to my satisfaction in which my report updated with the following remarks, " he companies that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. The most recent update. '' The account originally appeared as " LATE '' however now reflects as charge off after speaking with several customer service reps from the company. I was able to obtain the rental contract which does not reflect ANY of my information ( address, signature, phone number, email. etc ... therefore was not properly investigated, reviewing, verified and/or validated. Please see all attached information including several communications with members from the ACIMA company. Per the XX/XX/2021 XXXX Dispute Results ( Report number XXXX ) Assistance from the CFPB

is warranted in this matter. Thanks in adv
ance
Consumer complaint received 2022-05-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

On XX/XX/2022 I sent a certified letter to Portfolio Reovery the address is XXXX XXXX XXXX, XXXX VaXXXX. I sent a debt validation letter asking them for proof of original debt and if that could not be supplied they needed to remove the negative items listed on all three of my credit reports. They signed for the certified letter but it has been over 30 days now and I have not heard anything from them but the negative information is stil on my report. I want the negative information removed from all three of my credit reports since they did not show me proof as requested via certified letter of the original debt. 

Thank You, XXXX XXXX
Consumer complaint received 2021-06-24
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. (FL)

Ive been a victim of identity theft. Ive sent in numerous ftc reports. 

1. XXXX XXXX which Ive never done business with or entered into a signed contract with has appeared on my credit file. This account is fraudulent. 

2. XXXX XXXX XXXX Which Ive never done business with or entered into a signed contract with has appeared on my credit file.. This account is fraudulent! 

3. XXXX XXXX. Which Ive never done business with or entered into a signed contract which has appeared on my credit file. This account is fraudulent. 
4. XXXX XXXX Which Ive never done business with or entered into a signed contract with this company. This account is fraudulent. 

5. XXXX/XXXX XXXX is also an Fraudulent account. Ive never done business with this company or did i ever enter into a signed contract.
Consumer complaint received 2022-09-15
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: EQUIFAX, INC. (NC)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand these accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX Account 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 2021-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX has been reporting a {$65.00} collection on my credit file for over 5 years. 
I disputed this account 5 times. XXXX sold me a defective phone for {$380.00} dollars Never fixed it. service was bad and I could not use the phone. I paid them in full Even I did not have too. XXXX is damaging my credit file along with XXXX  and trans Union not following the fair credit reporting law. I cant refinance my house because Of this collection on my credit file. There two choice I have XXXX to remove this collection I will sue XXXX for defective XXXX XXXX bad service and XXXX will Pay me back for damaging my credit for no valid reason. They owe me money.
Consumer complaint received 2022-05-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

I was scammed into sending {$2000.00} to someone on Sunday XX/XX/XXXX using the XXXX service with Chase Bank. I received a text message on XX/XX/XXXX at XXXX stating " Chase Bank has an urgent message for XXXX XXXX to receive a call about unauthorized transactions please reply yes. '' Next, I received a phone call from the same number and the person on the phone walked me through a process that I now realize was designed to look as if I sent the money to myself to another account at another bank. I called Chase Bank 's fraud phone number and was told they couldn't help and I would have to talk to their claims department which was closed on Sunday. When I called on Monday XX/XX/XXXX, I was asked by the online fraud dept why their department didn't stop the transactions rather than send me to claims which was closed? Chase failed to offer me the help I needed on the day of the scam. I have been sent back and forth between Chase Bank and XXXX with everyone stating they can't help me, that there is no recourse and no way to get the money back or reimburse me. Chase and 6 other large banks own the service but they offer no fraud protection or help. I can't afford to lose {$2000.00}. I lost my corporate job on XX/XX/XXXX due to a downsizing layoff and my marriage is on rocky ground already. This is a catastrophic situation for me right now.
Consumer complaint received 2021-03-03
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. (CA)

XXXX XXXXXXXX XXXX is trying to come after me over an account that was awarded to my X husband ( XXXX XXXX XXXX XXXX in our Divorce in XXXX have not had financial responsibility on this XXXX XXXX XXXXXXXX card since XXXX. XXXX passed away in XXXX of XXXX and now Bank XXXX XXXX is trying to come after me. This is total fraud and should not be on my report AT ALL ... 

I am not XXXX XXXX XXXX therefore this should not be on report this is highly illegal and once again fraud. They are just trying to get money after someone has passed away and we have been divorce for over 30 years.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
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 2020-06-04
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 (CO)

I made a payment to my Capital One Quicksilver credit card in the amount of {$490.00} the same time I made a payment to my Capital One Platinum credit card in the {$470.00}, making the payment from my Capital One checking account. My payment for the Platinum card posted the same time as the payment for the Quicksilver card on XX/XX/2020. However ; the funds availability for my Quicksilver card was placed on " hold '' for 8 days making funds available on XX/XX/2020. Funds for my Platinum card were made available right away. When I called Capital One to inquire about when funds would be available, I was told the hold was placed because they don't know if the bank was going to clear it or not. I explained that my checking account is with Capital one and the transaction has been posted already. I was then passed from representative to representative ( 5 total ), until I asked to speak to a supervisor. The supervisor explained to me that they are not removing holds anymore as it was " a courtesy to release the funds '', that they no longer provide. I asked how can they do that especially since it was coming from a Capital One checking account and the other credit card I have with Capital One has had release of funds. The supervisor, who would not give me her name when asked and provided a title of Sr. Account Supervisor, stated that several things can place a hold on an account, to which I asked, well out of those several things what is the reason for the hold on my account. She did not answer. I said there is an emergency situation and I need the funds, she said sorry I cant release them. I asked under any circumstances can you release the funds, she said I can but I cant advise you of them. The entire process took 3 hours and I am still having wait for my funds to be released.
Consumer complaint received 2019-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (IL)

My account was transferred to XXXX XXXX on XX/XX/XXXX. There was a issue with the payment amount listed on my account in relation to my escrow analysis report. A new report was requested and the payment amount was adjusted. After sparking to multiple representatives from XXXX XXXX I was told to make the payment of the lower amount that my new escrow analysis report displayed. I did as instructed but had to file a complaint with CFPB because proper account adjustments were not made by XXXX XXXX. XXXX XXXX responded to the complaint and acknowledged their mistake and accepted the amounts, applied credits and informed me that the only amount due was the XXXX XXXX, XXXX payment. Furthermore I was told by a XXXX XXXX supervisor that the RESPA rules protected me for 60 days from the date the account was transferred over, to help the consumer with situations that may occur during transitions like these. Therefore I would have been protected until XXXX XXXX, XXXX and would not be in danger of negative reporting until 30 days after that date or XXXX XXXX, XXXX. My payemtn was paid on XXXX XXXX, XXXX and XXXX XXXX still reported my account 30 days late.
Consumer complaint received 2022-05-02
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: EQUIFAX, INC. (VA)

The following company never proved their methods of verification through several stages of written credit disputes : - 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 The letters that were sent out are as follows : dispute letter 1 -- mailed on XX/XX/XXXX and received on XX/XX/XXXX dispute letter 2 -- no response letter mailed XX/XX/XXXX after over 30 days of no response dispute letter 3 -- VIOLATION OF FCRA RIGHTS DISPUTE LETTER # 4 mailed XX/XX/XXXX after 30 days of no response or correction to the credit reports. 

the credit bureaus all failed to respond within the proper timeframe and also failed to prove their method of verifications on how they " verified the information as accurate '' according to my most recent credit report that I obtained through myfico. 

No response from any of the credit bureaus within the given timeframe nor the companies. the companies have also tried to contact me illegally during this timeframe which is illegal to do in accordance with FCRA guidelines when disputes are underway.
Consumer complaint received 2020-07-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Northstar Location Services, LLC (IL)

I spoke with an employee of Northstar Location Services , LLC on XX/XX/20, where we agreed to settle the account with XXXX XXXX  for {$150.00}. The original balance was {$210.00}. I received a confirmation letter of the agreement and the rep took my payment. He then provided a confirmation number. Then on XX/XX/20, I received a letter from Northstar Location Services stating that XXXX XXXX referred my account ti them with the past due amount of {$52.00}. 
On XX/XX/20, I sent a certified response letter via USPS to Northstar Location Services. I never received a reply from them. So, I called them and was told by two lady representatives the matter would be resolved. On XX/XX/20 I received yet another letter stating I owe {$52.00}. I have now sent an email of all of this information to Northstar but this has now passed the 30 days they had to respond to my initial letter.
Consumer complaint received 2020-01-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My credit score dropped by 97 full points in seven days due to 1 negative reporting of a late credit card payment. This is an OUTRAGE! I worked very hard to repair my credit and had a score of XXXX on XX/XX/XXXX. XXXX XXXX reported a late payment ( 30 days late ), on XX/XX/XXXX. This was the only change on my report in this time frame. I checked my score XX/XX/XXXX and it was XXXX. I honestly believe this is some form of racial profiling. I've heard horror stories like this from some of my XXXX XXXX  friends. Never from anyone else that I've spoken to. I am XXXX XXXX. I am very upset as my credit score needed to be above a certain amount to qualify for loan. Please help me correct this error. I say error because no one at Transunion has been able to give me a quantifiable excuse for this incredible drop. Thank You
Consumer complaint received 2018-03-08
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. (DC)

I sent Experian, XXXX, and XXXX  a debt validation request several times about two accounts. Those accounts are XXXX XXXX and XXXX XXXX XXXX. I have informed this credit reporting agency that I do not have any knowledge of those accounts and I have asked for them to send me written agreements from these companies because this is not my debt. I recently tried to dispute these accounts again and Experian, XXXX, and XXXX responded that they are not going to re-investigate my dispute. As a consumer, I do not think that is fair for credit reporting agencies to report inaccurate information. Items contained in a person 's credit report has an affect on housing, employment, and any other personal needs. I have been disputing these accounts every 30 days starting XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and more recently in XXXX. I sent these request for investigations on these accounts using certified mail and to date, I have not gotten anything to show that this debt belongs to me for these accounts.
Consumer complaint received 2020-07-16
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Kentucky Higher Education Assistance Authority (GA)

As of XX/XX/XXXX I noticed on my credit report I have student loans from Kentucky Higher Ed Student Loan Corp on my credit report reflecting in a negative way. XXXX was my original financial lender ( student loan ) XXXX was involved in a lawsuit back in XXXX XXXX, XXXX, and XXXX. All participants who had student loans with them were paid off. ( Debt cancelled ) ( Loan Forgiveness ). It was supposed to however it wasn't according to my credit report.The loan was sold and transferred to Kentucky Higher Ed Student Loan Corp.  This shouldve never happened when this matter was resolved in the lawsuit I stated earlier. After an extensive research I was directed to you concerning this matter. I ask that you please help me resolve this matter. Im trying to move on and start fresh but find it quite difficult when this has a negative impact on my report. There are four different accounts listed on my credit report from Kentucky Higher Ed Student Loan Corp which the debt shouldve been cancelled but instead they have impacted my credit report in a major negative way. Please help. I look forward to hearing from you along with having this matter resolved. 
Thank you for your service
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BMW Financial Services NA, LLC (AZ)

Dear Consumer Financial Protection Bureau, I am writing to express my frustration and concern with XXXX and XXXX, two major credit reporting agencies, for their negligence in handling my credit report. For many years, I have been dealing with an incorrect credit report, and despite my efforts to rectify the issue, it has persisted, causing significant financial harm. 

Upon reviewing my credit report insight, I noticed that the summary indicates that I have been 98 % paid as agreed on my accounts, but there is one negative account on my credit report. However, there is no indication of which account is negative, leaving me in the dark about why my credit score has decreased. I have contacted XXXX multiple times to request information about this negative account, but they have been unable to provide me with any information. 

As a result of this error, I have suffered financial pains for the past five years, losing thousands of dollars due to higher interest rates. This error has caused me significant stress and anxiety, and I am no longer willing to tolerate it. I believe that the negative account may be related to a dispute I submitted regarding an account with BMW Financial five years ago, which had an erroneous late payment due to early termination and insurance loss. I am adding them to this dispute, as this might be an issue related to them but can not explain why XXXX is correct but XXXX and XXXX are reporting wrong. 

On XX/XX/2023, I reached out to XXXX again to request help in finding the discrepancy in my credit report, but the representative I spoke with was not empathetic or helpful. They simply told me that they would send me a report and that I should indicate if something was wrong with it. Additionally, I was told ( erroneously ) that this could be caused by MyFICO, which I ended up getting a membership to prove it has nothing to do with them as they are not a credit bureau. I added the report in a reduced format ( as the original document is over 20 Mbs ), as it indicates an issue with the BMW account previously mentioned. 

Anyways, I received my credit score via mail on XX/XX/XXXX, and the same error was present in the report summary, despite my previous request for assistance. 

I have also submitted a complaint report to the Federal Trade Commission ( ID : XXXX ), but I am hoping that the Consumer Financial Protection Bureau can also intervene on my behalf to ensure that this issue is resolved quickly and effectively. I am seeking your assistance in correcting this error and restoring my credit score to its rightful place. I have a reference number for my previous interaction with XXXX, which is XXXX. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX