davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Transunion Credit Bureau is reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 


XXXX XXXX XXXX
Consumer complaint received 2020-09-06
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (FL)

I applied for a Lowe 's credit card and was denied because of " High Risk Source of Applicant '' I called several times for an explanation and got no answers. 
My credit score is in the 800 's. I have little debt and a high income. 
I checked with the 3 credit reporting agencies and there were NO soft or hard inquiries from Synchrony or Lowe 's. 
I don't know why I was denied but it seems arbitrary since my credit was not checked at any time.
Consumer complaint received 2021-12-03
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2018-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Equifax has several erroneous items listed on my credit report and I'm convinced it's because they have me mixed up with someone named " XXXX XXXX. '' My name is XXXX XXXX - always has been. I've never had any other name. 

When I try to login to their online disputes process, most of the security questions do not apply to me. I'm asked about accounts / monthly payments that I do not have, which again, further indicates that Equifax has me mixed up with someone with a similar name.
Consumer complaint received 2017-12-24
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: Experian Information Solutions Inc. (OR)

XX/XX/XXXXask for information on how information was obtained and proof that debts where in fact mine and who collected this information and process this verification obtained I received a letter datedXX/XX/XXXXthat ALL INFORMATION WAS VERIFIED and not one item was confirmed with proof of verification as stated by federal law
Consumer complaint received 2019-08-15
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MD)

I opened a paypal account back in early XXXX to purchase and retrieve goods online. However, somewhere down the line that paypal account turned into a SYNCB/PAYPAL Credit Card account without my knowledge until I received a credit card in the mail that stated paypal. Long story short all of my transactions appeared to be not coming out of my bank account attached to my paypal account anymore nut towards this card. For a few years I just paid the card account off until one day when trying to log into to pay my bill it stated that I was locked out because I had a huge balance. I called paypal and made a payment but when I tried to get back into the account I still couldn't so I called them and they stated that the payment I made was to the credit card not to my actual paypal account debt which was confusing to me. After like almost 2 hours of back and fourth with several representatives I gave up. Then I started receiving letters with a bill and then one stating that my account had been closed to further purchases until I paid off the balance. Continuously making payments monthly I looked at my credit report and I saw that there was a SYNCB/PAYPAL Credit Card account on it but the account stated that it was closed. However, daily like 4 to 5 times a day I would get calls from them about the debt and I would make minimum payments to keep down the calls until I noticed that they wasn't even reporting it to the credit agencies correctly. I noticed that they would never allow the late payments to go past 90-120 days of me missing payments even if I did ( this was in order to ensure it never gets charged off ). So I called them and asked them about my payments once again the run around stating I had 2 accounts one a normal paypal and a charge card and I still don't understand that. However, when a friend of mine told me about a consumer enforcement that I should have been included on I did some research and I saw that I was enrolled into this additional account which should be cleared. XX/XX/XXXX I received a settlement offer letter from them stating that if I pay a sum of about {$350.00} dollars or somewhere around that figure they would clear the rest and report the account as paid on my credit report. Here it is XX/XX/XXXX and the full balance is still showing unpaid on my credit report and consistently being reported as late to the credit agencies and Paypal still has this account locked to where I cant access it to see anything.
Consumer complaint received 2021-12-03
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: Nelnet, Inc. (CA)

This is XXXX XXXX who is submitting this CFPB complaint myself. NELNET LNS is reporting late, yet it is closed and the balance is zero as reported in XXXX  and XXXX. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( NELNET LNS XXXX )
Consumer complaint received 2021-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Account 1. Validate Account 09 XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information on my credit report was disputed and a validation requested as of XX/XX/21 there has been no response from Transunion and no supporting documents sent the erroneous account is still on my report and should be removed
Consumer complaint received 2018-12-04
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. (NY)

I submitted evidence to Transunion notifying them of an erroneous account by a collection agency called XXXX XXXX regarding an account with XXXX XXXX as the original creditor. I reached out to XXXX XXXX to ask for signatures and all proof validating this erroneous account. XXXX XXXX did not get back to me in 30 days and obviously did not get back to XXXX and XXXX  since they deleted the account. Transunion claims XXXX XXXX verified the account and I asked for Transunion to send me the description of the methods they used to verify this account under the FCRA 611 ( a ) ( 7 ) and they did not respond to me under within the 15 days mandated by law.
Consumer complaint received 2021-05-06
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. (GA)

Consumer submitted dispute more than 60 days ago. I Also sent several certified documents still havent received a return receipt nor a reply by mail for a dispute. Ive contacted Equifax more than 10 times through phone to let them know of the violations that has been committed due to the false information account of XXXX XXXX XXXX XXXX. I have no affiliations with this company that is listed on my credit report and I demand that it is permanently removed due to the fact that it is false information and incorrect. As an XXXX citizen credit is something that is important and I have been discriminated by jobs, apartments, and a vehicle. I was fired by my job due to this false account being on my credit report. This has cause me so much XXXX  and XXXX problems where I am now on XXXX and I am attaching an invoice of payment for the damage that was caused by Equifax listing incorrect and false information on my consumer report. Here are the violations. For the sake of juridical purpose, I am willing to settle this matter out of court if you are willing to comply and fulfill the demands I am asking of you. Please read this portion carefully. I am only allowing no more than 72 hours 3 calendar days for this matter to be resolved or I will be leaning towards litigation. 
Pursuant 15 USC 1611 Pursuant 15 USC 1611 ( 3 ) Pursuant 15 USC 1681 ( a ) ( 3 ) Pursuant 15 USC 1692 ( e ) ( 3 ) Pursuant 15 USC 1692 ( k ) ( 2 )
Consumer complaint received 2017-12-24
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. (OR)

XXXX ask for information on how information was obtained and proof that debts where in fact mine and who collected this information and process this verification obtained I received a letter dated XXXX that ALL INFORMATION WAS VERIFIED and not one item was confirmed with proof of verification as stated by federal law
Consumer complaint received 2019-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (AL)

My debit card was declined today XX/XX/19 for a {$5.00} purchase. I tried running this transaction with my pin number as a debt and also as a credit, both were declined. The problem was not with funds so I called the customer care number to try to figure out why this happened. When speaking to the representative her first response to why this may have happened was that she saw a flagged transaction on the prior Sunday XX/XX/19, but she was going to investigate more. She put me on hold to do so and when returning her answer was that she was unsure why my account was locked but that she had unlocked it. I appreciated her unlocking it, but it did not alleviate my concerns : 1. If a transaction was flagged on my account why was I not notified? She said that the particular transaction was ran and declined and then ran again with my pin which is untrue for it is a restaurant I frequent and they have never required a pin for a transaction. 2. If my account was flagged for suspect of fraud on XX/XX/19, why could I make transactions up until XX/XX/19 with and without using my pin? I love knowing that there are processes put in place in case an account is compromised, but with a delay like that there could have been massive damage occurred to my account. 3. How can this be prevented in the future? I would like to know that I have access to my funds and if something would happen I would like to know that I would be notified right away.
Consumer complaint received 2020-11-23
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX Bank of America EDD debit card closed my card as I was right in the middle of transferring my funds to our other account not affiliated with bank BofA. I assume they did so because they did not want me to transfer my funds. loss of interest?? who knows what excuse they have. But they should be charged for doing this to me. What grounds do they have?? EDD is still depositing my unemployment benefits to my account that I have no access to. I have called t he number on the back of the card and gave them the correct answers to security questions. But was told I had to call back to talk to someone in the Fraud department and they gave me no number said to call same number XXXX and they would have to transfer me but they where closed right now. I have called numerous times and the transfer just goes right back to customer service after it rings numerous times.I at this point dont think there is a fraud department that they have to have me speak with its just a game to them. How do they close my account that I have had since XXXX ( EDD ). and right when i am about to transfer my funds they close it down within seconds of me doing so. How can they even say Fraud when the IRS took a lien on my account last month and took XXXX from my account there was no problem with Fraud obviously that should clear up any fraud issues.. i mean they had to verify me with the IRS 4 weeks ago. I can not get print out of my account as they have blocked me I can not use my card because they will not open my account I have even since changed my pin number through EDD and my security questioins where I had to answer old ones to change I thought that would indicate there is no fraud on my account. The only fraud going on here is by bank of america EDD. I am a retired correctional officer and have had prisoners do less crime then the ones Bank of America is getting away with .. I still have no new card and my card i have in my presence is still closed. nothing is getting done and I have done all I can do. HELP PLEASE XXXX ( XXXX ) XXXX
Consumer complaint received 2017-12-24
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: SYNCHRONY FINANCIAL (FL)

Hi guys how you doing, well what happened was that i saw my credit score drop XXXX points on XXXX XXXX so when i look in to it i saw two new hard inquiries Syncb/XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX   XX/XX/XXXX Please i need your help clearing this. I did not apply for or request credit from neither one. Thank you and Happy Holidays.
Consumer complaint received 2016-05-03
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: FIRST CITIZENS BANCSHARES, INC. (NC)

XXXX has installed chip readers at its checkouts. If your credit card has a chip the device will not allow you to swipe the card. Once you insert the chip the device asks for your pin. There is no way to process the transaction as a credit card. You are forced to use your debit card. This deprives the consumer of the customary protections credit cards provide and unfairly enriches XXXX by eliminating swipe fees.
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Name : XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Employer : XXXX XXXX XXXX XXXX Date Updated :XX/XX/XXXX
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (CA)

Continue to experience incorrect information that is being reported on my credit report by XXXX. This has been an ongoing issue for years. I submitted my credit report and have disputed the results ; as it shows XXXX XXXX ) account closed of which the company went out of business. However, I still had a balance which is paid faithfully every month. XXXX has the account in a " Negative '' Account Activity status. I have also attached the Credit Report from XXXX. I would like XXXX to update the status to a Positive Account Activity. # XXXX XXXX also has on my Credit Report five ( 5 ) Student Loans from ( NAVIENT ) there is only one main account # XXXX ; although, they show all five on the report as " Open '' and they should be closed and removed as the school ( XXXX ) that I was attending closed due a loss of accreditation. Prior to the school closing I had applied for numerous loan forgiveness ; only to be charged higher interest rates and fees. I also completed and submitted the government school closure application, and ( NAVIENT ) responded and the representatives also confirmed that I qualified for the student loan discharge. I have also filed a Consumer Complaint Against ( NAVIENT ) with the Attorney General Office with the Department of Justice for their un-law practices and harassment. I would receive 7 to 10 calls daily, and the calls never stopped during the onset of the COVID Pandemic, they just increased. I would like to have XXXX remove ( NAVIENT ) as negative and from the report. email : Navient.com XXXX reports XXXX on my credit report and this account should be removed as this account was transferred to another lender XXXX. XXXX was sued by the former Attorney General XXXX XXXX for their unethical mortgage financing practices for fraudulent foreclosures and fees. I have filed a Consumer Complaint Against XXXX XXXX XXXX with the Attorney General Office Department of Justice to investigate XXXX and XXXX as they have the ( XXXX ) XXXX XXXX XXXX which is the new lender in a Negative Account Activity and the payments are current. See attachment XXXX Credit Report. XXXX XXXX
Consumer complaint received 2021-05-06
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. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX XXXX  XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-05-06
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. (IL)

ATTN CXXXX Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-12-03
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. (FL)

On XX/XX/XXXX I sent a dispute to Equifax about the following accounts ; XXXX  XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$2300.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX Balance : {$4700.00} ), XXXX XXXXXXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$3300.00} ). Its been over 45 days since I sent this dispute and they have not answer as they are required by the FCRA.
Consumer complaint received 2017-12-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (MI)

CitiMortgage paid our 2017 property taxes of XXXX my wife and I paid them back in full and paid our winter taxes on XX/XX/XXXX2017 and they told my wife that they would return our mortgage back to normal of XXXX a month and they lied like they always do, now they are trying to foreclose on our house they raised our monthly payments to XXXX a month through all this we have never missed a payment and they are still going ahead with foreclosure on us and we have never missed a payment in sixteen years we less than half the time to pay off our house please help us keep our house. I have put a lot of our money in the house to keep it up just to lose it to a big back even after we lost half of its value in the house after the market crashed we stayed when everyone else left there house we stayed and continued to pay for it. They have damaged our credit so we ca n't refinance with another bank.