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: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: C/C Financial (NC)

I received a new account warning from XXXX, XXXX XXXX XXXX 
I logged in and noticed a new account that I did not sign up for, along with a new phone number that was not mine and a new address in South Carolina where I have never lived. 
Preferred Lease # XXXX XXXX XXXX ) I tried contacting the company, but they requested that I e-mail all my personal information to them. I am not willing to do so, given the sketchy nature of the transaction so far, so they will not provide me with any additional information. Clearly this is not my account and filed using identity theft. 
I put fraud alerts on all three credit bureaus and filed disputes. 
XXXX  deleted the account from my credit file XXXX  said the company confirmed the loan and did not delete XXXX  hasn't finished their filings.
Consumer complaint received 2021-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

hello and to whom this may concern. hi! my name is XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX. SSN:XXXX and i have contacted XXXX countless times and the creditor and cant seem to have them remove this unauthorized credit card off my report, its a cat and mouse game as they keep telling me to call one another back and i'm sick of it! being a XXXX survivor and losing half of my XXXX i feel like i have enough stress in my life other than some simple unauthorized credit card data removal which is part of XXXX issue of not helping me! XXXX  customer service is being NO HELP in this situation and i even find myself being hung up on sometimes its becoming ridiculous! Now when i give them a call back all i do is get a busy signal and i can never get in touch with them! i am now writing to you guys for the formal complaint because i'm hearing you can help me! i will list the Account below which are part of the unauthorized account on my file shown on my credit report which is holding me back from my credit goals etc. i am hoping you can guys can help me out here! look forward from hearing from you guys thank you!! i've read the FCRA countless times and i know my rights, XXXX  is not helping at all and this is not fair, legally they can't do this to me and they are honestly NO HELP!! here is the unauthorized account as follows XXXX XXXX XXXX with account number XXXX opened on XX/XX/2014 I look forward to hearing from you or seeing a resolution of this being removed from my credit report asap thank you!
Consumer complaint received 2021-02-11
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Capital One Bank USA, XXXX XXXX, and XXXX XXXX. The Account Opened is Capital One Bank USA Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2021-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have been disputing this account since XX/XX/XXXX. I first requested that XXXX XXXX XXXX to validate the debt and the simply sent a statement with a balance of {$140.00} which is not the balance that is reporting on my credit report nor is it sufficient proof that the debt belongs to me. I then took a closer look at the accounts reporting on my credit and it appears that XXXX XXXX has re-aged this debt the account reflects an inaccurate date of last activity it's reporting : XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( Experian ), and XX/XX/XXXX ( XXXX ). On XXXX the account is reporting a past due balance on a collection account which is an error from my understanding a collection account is a past due account so I don't understand why there is a balance of {$440.00}. There is also a late payment of 120 days reporting which is also an error and collection account is a past due account and should not report late payment history. XXXX is also reporting a date of last payment of XX/XX/XXXX which is not reporting to Experian or XXXX.
Consumer complaint received 2018-02-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MA)

I rent a house for XXXX in a bad condition on XX/XX/XXXX, the owner told me that he was going to fix the house, but he never did. I called the board of health, and they inspected the house, On XX/XX/XXXX, the house was uninhabitable. He had to fix the house but instead he took me to court, because he didnt do anything about it I stopped paying him the rent. It was my right to not pay the rent and not get evicted.
Consumer complaint received 2018-02-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Army and Air Force Exchange Service (VA)

I created a budget to pay off the military star card. I was projected to pay off the card by XX/XX/XXXX. I didn't know/was n't notified that I still had a remaining balance of less than {$1.00} for the XX/XX/XXXX & XX/XX/XXXX. I didn't see anything until my credit scored changed.
Consumer complaint received 2024-03-26
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RS Clark and Associates, Inc. (FL)

I am filing a complaint against RS Clark and Associates for their role as XXXX XXXX XXXX agent in reporting an unverified debt, violating the Fair Credit Reporting Act ( FCRA ) concerning a dispute over unverified debt on my credit report. 

Details of the Complaint : - Credit Bureau ( s ) Involved : RS CLARK AND ASSOCIATES - Account in Dispute : Account Number : XXXX - Dispute Start Dates : XX/XX/XXXXXXXX XXXX XXXX and XX/XX/XXXX. 

Summary of Issue : Despite multiple attempts to dispute an inaccurately reported debt with the aforementioned credit bureau ( s ), the item remains on my credit report. My initial dispute was filed on XX/XX/XXXXXXXX and again on XX/XX/XXXXXXXX XXXX following the discovery of the debt item, which I believe is inaccurately reported or entirely unverified. According to the FCRA, credit bureaus are obligated to verify disputed debts within 30 days. In the absence of verification, such items should be promptly removed from the consumer 's credit report. 

Despite providing ample evidence and following the prescribed dispute process, including direct communication with the credit bureau ( s ) and the furnisher of the debt, there has been no resolution. The continued presence of this unverified debt on my credit report has adversely affected my credit score, potentially impacting my ability to obtain credit, housing, and employment.

Action Requested : I respectfully request that the CFPB facilitate the immediate investigation of this matter. My desired outcome is the removal of the unverified debt from my credit report by Credit Bureaus in accordance with the FCRA. Additionally, I seek confirmation that this issue has been resolved and that my credit report accurately reflects my financial history without the influence of erroneous or unverified information. 

Enclosures : Please find attached all relevant documentation, including copies of correspondence with the credit bureau ( XXXX ), evidence of the dispute, and any other pertinent information that supports my claim. 

A complete set of details was provided to RS Clark and Associates, located at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX, through a USPS certified letter with the tracking number : XXXX XXXX XXXX XXXX US. 

Thank you for your attention to this matter. I trust that the CFPB will act promptly to ensure that my rights under the FCRA are upheld, and I look forward to your support in resolving this issue. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

hi, i submitted disputes for personal info on XX/XX/2020 also letters for a 60 day no response XXXX XXXX XXXX  and disputes for collections XXXX XXXX XXXX  with no response.
Consumer complaint received 2018-02-10
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. (VA)

XXXX XXXX XXXX XXXX keep putting information on XXXX, XXXX and Experian stating I have accounts in collection. I have even gotten letters and called them and they confirmed I have no debt with them. Now they have reported to all three credit bureaus I have collection accounts and I have not communicated with them since the last letter received months ago. 

This is causing my credit score to drop and shows damaging information on collections I do not have.
Consumer complaint received 2024-03-26
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC (CT)

As i told the mentioned company westlake finacial my identity was stolen a police report was made and sent to the company a ftc report was made and it is still on my credit report this auto loan was not made by me.
Consumer complaint received 2021-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

On XX/XX/2021 I received an unusual notification from Santander Bank stating that my password was reset. I notified the bank immediately to freeze the account ; however, the thieves had already withdrawn a total of {$4200.00}. The following day I filed a claim with Santander Bank for the stolen funds. Soon, I received a telephone call from the fraud department of Santander asking me to explain what I remembered about the series of events of XX/XX/XXXX. I explained that my emails had been hacked and my cell phone had been sim jacked. The representative whose name was " XXXX '' said I needed to submit documentation from my cell phone carrier, XXXX XXXX XXXX, about the interruption of service that took place. I also stated that the event was overwhelming and I could not particularly remember the precise sequence of events that took place on XX/XX/XXXX. After 2 weeks and through the help of the FCC, I was able to communicate with XXXX XXXX from the XXXX XXXX XXXX president 's office, who provided me with a letter to forward to the fraud department of Santander. 

Nevertheless, before I could submit the letter, Santander notified me that they have denied my claim. 

Santander has wrongfully denied my claim. They never provided a fair and thorough investigation. The representatives never provided sufficient time to submit the requested document, nor did they provide me with any name, address, email or fax to send the supporting documentation. Their response has been unconscionable.
Consumer complaint received 2022-01-12
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: HW Holding, Inc (FL)

Hunter warfield acting on behalf of XXXX properties is claiming I owe {$4400.00} to XXXX properties. 

They have my personal information including my date of birth, ssn, mothers name and other information of mine. 

This debt is not my debt as I have never had any dealings with XXXX XXXX and have never rented from them. 

I have tried multiple times to get this removed from my credit report but it keeps coming back.
Consumer complaint received 2020-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have a mortgage with XXXX XXXX, and have had it for over 10 years. For some odd reason in XX/XX/2019 they started reporting to the credit reporting agencies my balance being XXXX higher than it actually was, violating the terms of the loan disclosures in my closing documents.
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (FL)

I believe the account is invalid. JEFFERSON CAPITAL SYSTEM LLC. needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 
XXXXXXXX XXXX XXXX  4XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

Original creditor : XXXX XXXX XXXX XXXX XXXX  : RASH CURTIS & ASSOCIATION I am disputing a XXXX XXXX  charge on XX/XX/2020, for the amount of {$1900.00} ( original medical bill {$1400.00} ). 

Because of my age, my doctor pressured me to get a XXXX XXXX XXXX Insurance should have covered this 100 % but it appears it was coded incorrectly. 

" The Affordable Care Act requires recommended preventative services, such as colonoscopies, be covered at no cost to the patient. However, strict guidelines are used by insurance companies to determine whether a XXXX  is categorized as preventative or diagnostic, which can impact your potential out of pocket cost '' " XXXX XXXX  Screening : Patient is XXXX ( no present gastrointestinal  ssymptoms ), is age XXXX or older, and has no personal history of XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX. A XXXX  has not been performed within the past XXXX years. This is usually a routine screening XXXX  and covered by most insurance plans. '' This was the case for me. 

This medical collection account needs to be removed from my credit reports. In addition, Rash Curtis and Assoc. also has two hard inquires on my credit report they also need to remove. 

Thank you for your help with this matter.
Consumer complaint received 2023-04-05
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. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$2400.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$1100.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$890.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$20000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-11
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. (TX)

This is in response to the TransUnion credit report I received saying that XXXX XXXX has been verified. I have contacted TransUnion endlessly regarding the removal of XXXX XXXX from my credit report. This is an erroneous and fraudulent account. I have filed an Identity Theft report with the FTC and I am uploading my drivers license, bank statement as proof of address, as well as the identity theft report from the FTC for this fraudulent account. I have also included a copy of my XXXX report showing that XXXX  has done their due diligence by deleting XXXX XXXX from my report with them. If TransUnion comes back again and states that both of these fraudulent accounts have been verified as accurate, I will then request the method of verification under FCRA Section 611 ( a ) ( 6 ) and ( 7 ). Please remove and BLOCK this fraudulent account from my credit report immediately.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX, I contacted XXXX XXXX XXXX  via regarding the accuracy of the charged-of account that they're reporting to the Transunion and XXXX. 
More specifically, my concern is : 1.This account is only reporting charge-offs in my payment history from XX/XX/XXXX to XX/XX/XXXX. 2. All my good payments history has been deleted from XXXX up until this account was charged off in XXXX. 3 XXXX is reporting a charged off in XXXX and XXXX, Transunion is not. 4 I made a payment in XXXX, so XXXX shouldn't show a charge off in XXXX. 5 How can there be only charge offs reporting but no 30, 60, 90 day lates?? 6 XXXX is reporting a removal date of this account XX/XX/XXXX and Transunion is reporting a removal date on XX/XX/XXXX. This is confusing, there can only be one removal date. 7 The date of first delinquency is not reporting. This account is incomplete, inaccurate and unfair therefore it must be deleted. 
Also, I asked for validation and verification under the FCRA to insure the accuracy of this account and was denied by XXXX XXXX XXXX  for this information which is a violation under the FRCA and th FDCA. See Creditor response letter to verification request.
Consumer complaint received 2022-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA (CA)

I signed up for the apple credit card on XX/XX/XXXX ( XX/XX/2022 ). I signed up on the website link XXXX XXXX XXXX  This website provided a promotion where if you apply for the card by XX/XX/XXXX and make any purchase within the first 7 days of opening the card you are eligible for {$100.00} promotional cash back. 

I signed up using that link on XX/XX/XXXX, made a purchase the same day. So I followed the terms of the deal. I did not receive the {$100.00}. I contacted apple card support on XX/XX/2022 to attempt to fix the issue. They said they would look into it. They just emailed me back saying I did not qualify for the promotion. However, I did follow the terms of the promotion, so they are wrong. 

Images show proof that I applied on XX/XX/XXXX, proof that I made a purchase within 7 days of account opening. Also my denial letter from Apple Card support.
Consumer complaint received 2021-02-11
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (IL)

In XXXX of 2020, I went on COVID 19 forebearance plan for several months The plan ended, I did not re extend it. I paid them all the money. I am now trying to refinance, and on my mortgage history verification they wrote that I was PAST DUE 30 days on my mortgage 5 times in 2020. I was NEVER past due. I was on COVID 19 PLAN. This is very, very detrimental to my refinancing. 

When I called them, the girl did not even know what she was talking about. She said it was from my previous bankruptcy. No this is not correct, it clearly says on the VERIFICATION OF MORTGAGE that I was past due 5 times in 2020. This is NOT the way COVID 19 plan was to be. I was not supposed to be reported as a late payment at all under COVID forebearance. This is ridiculous.
Consumer complaint received 2019-09-26
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or misleading advertising or marketing — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

XXXX XXXX, XXXX, FREQUENTS CHECK CASHING AGENCY. DIFFERENT RATES CHARGED FOR CASHING MONEY ORDERS. EVEN IF THEY ARE PURCHASED FROM CALIFORNIA CHECK CASHING. SEVERAL YEARS THIS HAS BEEN GOING ON. XXXX, EVERY MONTH, IN PARTICULAR, XX/XX/XXXX TO  PRESENT. MENTIONED IT TO DIRECTOR WHO DID NOT REALIZE A DIFFERENCE. SINCE IT'S MY MONEY I SEE THE DIFFERENCE. IT IS FELT. EMPLOYEES DIRECTOR SAID THAT I WAS NOT GETTING REFUND. INTENTIONAL ACTS OF THIS GROSS NEGLIGENCE WARRANTS YOUR COMPANY OF THIS FORM OF PRICE DISCRIMINATION. TOTAL DAMAGES {$5000.00}. EVASIVE CONDUCT LEADS TO NO CLAIM #, CA PENAL CODE XXXX, {$50000.00}. EMPLOYEE XXXX EXCLAIMED, " FOR  WHAT ''? AS TO CLAIM NUMBER. FALSE PRETENTIONS OF CO-WORKER XXXX SHOOTING ME. THAT'S WHY XXXX DID NOT SUPPLY CLAIM #. A COMMUNICATION I.D . ON XX/XX/XXXX, XXXX, WILL NOT DO.. REQUEST WAS MADE XX/XX/XXXX, DAY OF OFFICIAL CLAIM, XX/XX/XXXX.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, I have seen some credit inquiries reported by XXXX and XXXX XXXX  on my credit report. I have sent both companies letter to get the inquiries removed, never heard any response from neither.
Consumer complaint received 2020-01-23
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. (TN)

XXXX ; XXXX and Transunion are reporting incorrectly a balance due of {$6800.00} as well as reporting incorrectly that I am ( 120-180 ) days late on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full so the balance reporting needs to reflect {$0.00} due. Since this account has been paid, the lates that are reporting are incorrect as well. This false reporting of lates is seriously harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.