davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

I received notice that your bureau verified certain items on my credit report from the following companies : XXXX. XXXXXXXX XXXX- XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX- XXXX Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. 

Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So, which is it? 
XXXX your response within 15 days or delete the trade-lines. 

Best Regards, XXXX XXXX XXXX
Consumer complaint received 2023-01-23
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. (MI)

I received a copy of my credit report and found the a lot of items to be reporting WRONG! on XX/XX/XXXX I sent dispute Letters out to XXXX, XXXX and XXXX to Remove the XXXX XXXX XXXX reporting on my credit report. 

The copy I received of my credit report had the following item ( XXXX ) to be in error that I believe is a mistaken Identity error with a XXXX showing Case XXXX that I want removed from my credit report. 

Also I notice inquires that was not authorized by XXXX XXXX on XX/XX/XXXX. 
a inquiry that was not authorized by XXXX XXXX on XXXX/XXXX/XXXX, a inquiry that was not authorized again by XXXX on XX/XX/XXXX on XX/XX/XXXX I sent out another letter because I didn't get a response and I was in total disagreement with their investigation response. The incorrect items listed above still appear on my credit report, even after their investigation I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.
Consumer complaint received 2023-07-19
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2024-05-16
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (CA)

On XX/XX/year> I purchased three Visa gift cards in the amount of {$100.00} each. Shortly after receiving her gift card, one of my recipients told me her card had no value. She gave me the card, I checked the transaction history online, and saw it had been used fraudulently, before I had even given her the card. 

I filed a dispute online, received email confirmation, received subsequent request for more information, and submitted that. All this communication is documented in the attached XXXX. 

After waiting more than 90 days to receive a replacement card, I began calling the XXXX number on the back of the card. Each time I reached a person they told me my case had been elevated to another department and that I would receive a follow up email message within 48 hours. I've had that same conversation four times in the last 30 days. I've never received an email as promised. I am still waiting for the replacement card. 

Separately, one of my other recipients also told me his card had no value. When I tried to submit a dispute for the fraudulent transaction on his card, I learned the window for submitting disputes had closed. This window of time is only two months, which is ridiculous in my opinion. So I am out that {$100.00} for sure.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2017-08-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (VA)

My husband and I were behind on our bills as well as our mortgage. From the XXXX of our mothers, father and my husband a XXXX XXXX a year after filing bankruptcy back in XXXX. Our mortgage keep going up because had an adjustable rate never giving us a chance to catch up. So we applied for a modification early part of XXXX. There was info they needed from us to start the modification process. So each time I would fax something they would say they did not receive it. So I started faxing by way of XXXX to insure that I would get a confirmation stating that documents were received. According HSBC mortgage services they finally started reviewing the application. Meanwhile I 'm inquiring about our mortgage payment because we had not been making them, the representative says to me no you do n't make a payment while you are waiting for the modification department to approve or deny your application. Well we went to bankruptcy court XX/XX/XXXX to discuss the mortgage as well as potential increase in our bankruptcy payments, this occurred 3 other times with a HSBC representative being present. On XX/XX/XXXX, the representative from HSBC approved the modification as well as the judge. We received a letter XX/XX/XXXX stating what our new payment would be and date it would began XX/XX/XXXX and also modification actually started on XX/XX/XXXX. We did not wait, we made a payment in XXXX and XXXX. A couple of weeks after making the XXXX payment we received a letter stating there was a breach so they needed XXXX by XX/XX/XXXX or they will be foreclosing on the property. My husband called them and asked why did n't the XXXX go to rear of the loan and we do n't have XXXX. So the response was if you come with XXXX you can keep your home. Our question is, if we were approved in court where were the figures then and why did they send these letters after approval of modification and making our scheduled payments.
Consumer complaint received 2023-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (PA)

I am complaining about Truist bank taking so long to resolve my first complaint that was placed on XX/XX/23. Just a reminder I was trying to contact Truist since XX/XX/23 until I found out about this website. I heard from one person at Truist on XXXX, who stated that it would take 2 weeks to get this resolved. I have never heard back from him or anyone at Truist in reference to my account. My account is still frozen and they have withdrew money with out contacting me or asking questions. I also do not know where the money went to. This account has been frozen almost 50 days with no resolution. You can not speak to a manager or anyone that can help. There is an general email but no one answers you. I now have late mortgage payments and monthly bills becasue of the lack of work ethic on Truist. I know that this is not legally right by them. All other banks turn over is 2-3 weeks. They are a large corporation that should have the man power to get results quickly for their account holders. Also, they are charging be services fees while my account is frozen. There has been no activity since XX/XX/23.
Consumer complaint received 2021-10-07
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IN)

I have been desputing an account with XXXX XXXX through XXXX, XXXX and Experian. The credit bureaus have failed to investigate my despute for more than 90+ days. This derogatory account is affecting my accounts negatively.
Consumer complaint received 2017-08-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XXXX XXXX,2017 I sent a request for Investigation of  unauthorized inquiries letter to Transunion. I advised that I did not authorize my credit to be pulled and reviewed for any reason. I did not hear back from Transunion in regards to the matter so I sent another letter certified mail which was stamped by Transunion received on X/XX/2017. Instead of the investigation results I received a letter explaining me the difference between hard and soft inquiries. There was no validation or result of the investigation I requested now twice. So again I sent another letter certified mail that they stamped received on X/X/2017. I 've made numerous attempts to contact the company. Today X/XX/2017 I called and spoke to a rep and inquired about the unauthorized inquiries and why an investigation was n't conducted and was advised they are paid by the companies that they are investigating and they pretty much take the fact it was reported as verification. This to me is extremely wrong and against my rights pertaining to the FCRA section 604. Simply not responding is not a solution.
Consumer complaint received 2022-08-11
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

I recently filed a credit report dispute against USAA. First and foremost, they took longer than 30 days to provide a response as documented on my previous CFPB complaint. A direct violation of the FCRA. Secondly, they provided ZERO evidence on the investigation and just claimed they " conducted a thorough investigation ''. They also lied on the investigation report. 

" After making telephone calls and sending you notices about the past-due payment, no payment was received. '' " After making telephone calls and sending you notices about the past-due payment, no payment was received. '' " It is important to note that there was no record of you contacting USAA FSB to request payment assistance or to report fraudulent activity on your account. '' " ... our Bank XXXX XXXX staff conducted a thorough review of your credit card and confirmed that USAA FSB handled your account within established policies and procedures. '' -Let me explain how false these statements are. When I initially realized that I wasn't getting paid from the XXXX, I called EVERY SINGLE financial company that I had a loan out with. I contacted XXXX XXXX, XXXX XXXX, AND USAA. I am in the process of collecting logs from both XXXX and XXXX to prove my claim. If I called these 2 companies that I was going through a financial hardship, why wouldn't I call USAA? I even got on the XXXX financial hardship program. Secondly, the lies about the phone calls are absurd. Where is the proof that I answered the phone? I was in XXXX XXXX with a XXXX XXXX SIM card in my phone. Why wasn't an email sent? Lastly, they took over 30 days to conduct an investigation, almost 60, where are the results of this " thorough review ''? What were the procedures used? Please provide a detailed description of the procedures used. 

If this does not get resolved with this CFPB complaint, my next action will be to partner with a lawyer to pursue legal action.
Consumer complaint received 2019-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

EXPERIAN, XXXX, XXXX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNT ON MY CREDIT REPORT, THESE ARE THE LIST OF THE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXXXXXX -- -- ->Date opened -- -- ->XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXX -- -- ->Date opened -- -- ->XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -- -- -- >Date opened -- -- -- >XXXX XXXX XXXX XXXX XXXXXXXX -- -- -- -- >Date opened -- -- -- -- -- ->XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXXXX -- -- -- -- >Date opened -- >XXXX XXXX XXXX XXXX XXXXXXXXXX -- -- -- -- >Date opened -- >XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXX -- ->Collection opened -- ->XXXX XXXX XXXX XXXX XXXX XXXXXXXX -- -- >Collection opened -- >XXXX XXXX XXXX XXXX XXXXXXXXX -- -- ->Collection opened -- -- ->XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXXXX -- -- -- -Date Opened -- -- ->XXXX XXXX XXXX XXXXXXXXXXXXXX -- -- -- >Date opened -- -- -- >XXXX XXXX XXXX XXXXXXXXXXXXX -- -- >Date opened -- -- ->XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXX -- ->Date Open -- -- >XXXX XXXX XXXX Fraudulent Address : XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX XXXX XXXX, PA, XXXX Fraudulent Inquiries : SXXXX XXXX XXXX  : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-19
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the equifax data breach and have got into the hands of the wrong person.
Consumer complaint received 2020-10-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One has locked my account several times over the course of this year and I have spent hours with them on the phone confirming my identity. 
In XXXX and XXXX, I made payments from this account that were rejected - and I was not contacted that my account had been put on 'hold '. When I learned this, they assured me my account was re-opened. Again in XXXX, I tried to use my ATM card - and it was rejected so I called and my account was on hold again. I called and spent over an hour waiting for a " fraud specialist '' where the re-confirmed the same prior issue that I had already been told was completed. They assured me this was lifted and I again tried to use my card at an ATM and was rejected. After this, I called to close my account - where I then spent 3 hours on XX/XX/XXXX in the phone circle loop. I finally was able to close my account on XX/XX/XXXX - after spending 4 hours on the phone in constant loops and hang ups. Once I started seriously raising my level of irritation, they finally escalated my call. I was then interrogated about my account and harassed - until finally receiving the agreement to close this checking account and two linked savings accounts. I received two checks from my account. When I logged in to check, Capital One is still holding my money in one account. I have now called several times and been in yet another loop to try and close out the closed account. This is a trap.
Consumer complaint received 2019-11-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation (TX)

My complaint is regarding United Revenue Corp ... listed on my credit report also under TEXAS XXXX XXXX   for {$480.00}, {$1100.00} and {$1200.00} I have sent several letters disputing this debt and It was removed however it keeps popping up and the documentation they allegedly sent to the Credit Bureaus is a direct violation of my HIPPA rights. I would like for this debt and any additional debts from this company removed from my credit report immediately. It was removed and added back to my credit report and I was not notified with any documentation from the Bureaus or Creditors.
Consumer complaint received 2017-12-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

I was disabled from purchasing on coinbase and my access to XXXX trading page was disabled and I should contact support. 

I contacted support on XXXX XXXX, got my case filed under XXXX ID : XXXX but nothing happens. 
I 'm afraid that this is just another fraud operation as I have around XXXX $ and I can not get to them or move them to any other wallet.
Consumer complaint received 2019-11-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The Best Service Co.,Inc (CA)

Mid valley collections bureau aka Proffesional collections put a Lien was put on my property on XX/XX/2019 without my knowledge for an account that I do not owe money and that was well past the statue of limitations. Mid valley collections bureau has put an lien on my property for a balance that I do not owe. 1. The account is well past the statue of limitations of which they can collect. 2. They tried to garnish my wages and I appealed with the XXXX XXXX police department and won, XXXX XXXX was unable to garnish my wages. 3. Mid valley collections bureau illegally without my knowledge put a lien on my property, that is currently growing interest. 4. I won the court case and no longer owe any money to Mid valley collections bureau. I would like the lien removed from my property immediately as it should never have been placed on my property. What you are doing is illegal and I will seek legal justice.
Consumer complaint received 2019-11-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (PA)

I received mail from XXXX saying a last payment was sent to a debt collector. I called XXXX to inform them that Ive never opened a phone account with them and that this is a result of identify theft. XXXX connected me to the debt collector. The debt collector said there is nothing they can do and that I have to pay the debt. Ive submitted a police report as well as submitting a compliment with XXXX XXXX insuring that this was not my debt and my identity was taken. Ive been on a XXXX  line with my aunt since XXXX - XXXX.
Consumer complaint received 2018-09-20
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GMA Investments, LLC (KY)

XXXX XXXX XXXXXXXX is coming after me for a loan that I received online. the rates where not explained until I had already signed for the loan. I received {$1300.00}. They were expecting me to pay {$600.00} a month for 26 months anything but ridiculous. I tried to discuss this with them and give them their money back with no luck. They want you to default on the loan so that they get 15 times as much in interest. Receiving harassing calls at work and at home. Talking about garnishing my wages. This can't be legal. No one should be able to take {$15000.00} over a {$1300.00} debt.
Consumer complaint received 2020-10-12
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: Experian Information Solutions Inc. (NY)

I initially contacted the credit bureau by mail XX/XX/20 to inform them that there were inquiries on my credit report that did not belong. I have not received any information as to why they are still reporting but I am being negatively impacted by these inquiries. I have sent another letter to the bureaus on XX/XX/20 to dispute these inquires again to have them removed.
Consumer complaint received 2019-11-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I recently noticed a collection with Portfolio RC on my credit report. The collection is showing a balance of {$4300.00} reporting to XXXX and XXXX. XXXX is reporting the date opened on XX/XX/18. XXXX  is reporting the date opened on XX/XX/18. Both bureaus are showing different account numbers and date last active. This collection is having a negative affect on my credit score and I do not recognize it. My rights under the provisions of the Fair Credit Reporting Act are clear, I demand these accounts to be deleted from all current and future credit reports