davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-16
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. (IL)

I 've been a victim of identity theft. XXXX XXXX XXXX i checked my XXXX XXXX account and noticed there were hard inquiries that i did not authorize on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I 've contacted Equifax and XXXX as well as XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX and XXXX XXXX in regards to these ( 6 ) inquiries being disputed for removal multiple times. I also filed a police report and placed a fraud alert on my accounts. I was advised these inquiries would be removed after contacting the aforementioned companies. It has been 30 days since the date of the inital dispute and neither credit reporting agency has resolved this matter and are in fact now stating that these inquiries will not be removed in order to maintain records. In addition to this negatively impacting my credit score it has caused closure of 3 of my existing credit cards at which i was a loyal and responsible customer which were otherwise in good standing because of the issue being unresolved ( multiple inquires that were fraudulent are ruining my credibility. ) They have had many security breeches and the company website said that I was impacted by this. I do not want to sign up for any credit monitoring service they offer I just want these unauthorized inquiries removed as soon as possible.
Consumer complaint received 2020-09-18
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (PA)

Card is frozen and unable to access money. Called XXXX number and was told it was due to a transfer from the card to our checking account which we did several times before with no problem. Tried to access through the App by entering the card number and the card number is no longer recognized! On XX/XX/2020 I finally got through to some one after being on hold for over 2 hours and was told to submit a fax to XXXX with card ID XXXX XXXX XXXX and copy of a photo id which I did and heard nothing. Called back and after being on hold for over 2 hours once again and was told the release should only take 24-48 hours. It's been over 5 days and the hold has still not been removed. 
Please help resolve this as quickly as possible. 
Thank you,
Consumer complaint received 2018-06-07
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. (NV)

I just requested a annual credit report and it indicates 3 addresses in which I have never lived. One address I do not know at all and believe it is associated with identity theft which occurred 2008 and was reported. 
The other two are addresses of my ex husband. Please remove these addresses. See below I have never lived at : ( address is present possibly due to theft ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address ID # XXXX Multifamily My ex husband XXXX XXXX currently lives at : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Address ID # XXXX Single family He moved from this address to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Address ID # XXXX Single family Please remove these addresses from my report as i have never lived at any one of these. Thank you
Consumer complaint received 2019-06-08
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. (FL)

Made a payment of {$110.00} to XXXX XXXX  for my XXXX card account on XX/XX/2019 on their automated system. Their system stores two bank accounts with the same bank ( XXXX ) that I usually use to make payments. The payment was sent to the wrong account and the bank returned the payment on the XX/XX/XXXX. and I was reported that I missed my payment to the credit bureau. I had adequate funds of {$18000.00} during this period in the account that the payment was supposed to be withdrawn from.
Consumer complaint received 2019-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Made a payment of {$110.00} to XXXX XXXX  for my XXXX card account on XX/XX/2019 on their automated system. Their system stores two bank accounts with the same bank ( XXXX ) that I usually use to make payments. The payment was sent to the wrong account and the bank returned the payment on the XX/XX/XXXX. and I was reported that I missed my payment to the credit bureau. I had adequate funds of {$18000.00} during this period in the account that the payment was supposed to be withdrawn from.
Consumer complaint received 2019-03-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc. (OH)

To Whom It May Concern, The reason for my dispute is CHOICE RECOVERY INC # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, CHOICE RECOVERY INC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and thestate of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) CHOICE RECOVERY INC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. CHOICE RECOVERY INC is held liable as well for defamation and in the state of OHIO a creditor is who collects on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. XXXX XXXX XXXX. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
Consumer complaint received 2018-12-09
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. (NC)

I've called the credit bureaus, sent certified letters, fax, uploaded documents to no avail. I've been a victim of identity theft. I apply for a small line of credit and was denied, i received my report and noticed several inaccurate accounts, names that aren't mine, and accounts that flat our weren't mine either. I took the proper steps to secure my info, froze accounts to my reports as well as adding a fraud alert. I do recall being informed my XXXX  that my license, ssn, and a credit card that i had on file for one of their credit monitoring products that i has years ago had been compromised. Then i also remember that i was on of the millions of South Carolina residents that were affected by the SC Tax breach in 2012, needless to say my info was probably all over the place. Knowing all this i contacted each CRA for an investigation, i was usually on the phone with a representative from an outsourced location in XXXX or the XXXX, which i dont understand why, when i live in the USA, and i know other countries have access to my information as well. The CRA 's haven't responded with anything related to a proper investigation, what i have received was computer generated letters saying that the alleged accounts have been verified.
Consumer complaint received 2021-01-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (MO)

On XX/XX/2021 I Sent USD XXXX at XXXX XXXX from Coinbase Pro to Coinbase Account. Transaction ID : XXXX. The money was never transferred to coinbase account and is not in my coinbase pro account.
Consumer complaint received 2017-12-16
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)

On XXXX XXXX as of XX/XX/17 there is an address linked to my credit which I have never resided at. XXXX XXXX XXXX XXXX XXXX texas XXXX. I would like it removed from my records.
Consumer complaint received 2021-10-15
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. (MD)

This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!
Consumer complaint received 2021-11-10
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)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2019-06-08
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Phoenix Financial Services LLC (IL)

PHOENIX KEEPS SKIP TRACING MY CELL NUMBER FOR A THIRD PARTY, 16 CALLS FROM ( XXXX ) XXXX, I HAVE SCREEN SHOTS AND RECORDS IN ORDER TO FILE A CLASS ACTION EFFORT.
Consumer complaint received 2021-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (NJ)

Application ID # XXXX, application date XX/XX/2021 at Costco Wholesale. Application was made when I joined Costco for the Citibank 's Costco Anywhere Visa. I was provided the mentioned application ID number and I received a letter about 10 days later after the application where is stated they were unable to approve my application because they couldn't verify some information on my application. The letter did not tell me what information and did not offer any possible way to resolve this or assist me on how to resolve this. I called their toll free number on XX/XX/2021 at around XXXX EST. I spoke with a representative by the name of XXXX who transferred me to the application department. I only received a recording that asked for my social security number and only told me a letter was already sent to me explaining the status of my application.
Consumer complaint received 2019-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (FL)

Made a payment of {$110.00} to Syncrony Bank for my Lowes card  account on XX/XX/2019 on their automated system. Their system stores two bank accounts with the same bank ( XXXX ) that I usually use to make payments. The payment was sent to the wrong account and the bank returned the payment on the XX/XX/XXXX. and I was reported that I missed my payment to the credit bureau. I had adequate funds of {$18000.00} during this period in the account that the payment was supposed to be withdrawn from.
Consumer complaint received 2017-12-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery responded to my last cfpb complaint that they were closing 3 accounts..they only had three accounts in my name, two with XXXX and one with XXXX XXXX. Apparently portfolio figured they could pull a fast one on me and provide cfpb with false information about the last 4 of the account numbers. To this day they still have the account with XXXX XXXX opened and stil reporting although they said they would close and request deletion. They have yet to respond to my last complaint.
Consumer complaint received 2019-06-08
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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NY)

Date : XX/XX/XXXX Re : Fraud/stolen identity To whom it may concern, I am addressing above since there are several companies to which I must address this issue to : My name is XXXX XXXX. My address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. 
I would like to say that I have never requested nor have given authorization for anyone to request or act on my behalf in requesting any form of credit cards or loans or anything of this nature. 

I had a roommate for many years. His name was XXXX XXXX. Since, I am homebound he took care of all household issues and my affairs. I am elderly and get confused easily, and so he had access to all of my personal information. He never gave me a reason to doubt his sincerity. He would go to the bank for me, did the household shopping, take me to Dr . Appointments and handle the mail and bills. 
I have my own separate bank accounts. He had his. 

However, Mr. XXXX passed away at home on XX/XX/XXXX. It was a great shock to me and has saddened me tremendously It was at this time that I started to get my own mail and making arrangements to get assistance from friends and family. 
To my surprise I started getting bills from different credit card companies in my name. 

I was so confused and did not understand, I reached out to my friend, XXXX XXXX, who has been guiding me. It was she who discovered that there are approximately 5 ( as of XX/XX/XXXX ) that I know of credit cards with outstanding balances. 

Most recent I received new credit cards showing my name with a second card showing his name. 

In the more than 40 years that I intrusted him I would have never imagined him doing this. 

I humbly request all accounts to be closed. Since these were fraudulently opened without my knowledge nor consent. 



XXXX/XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX spoke to Ms. XXXX and advised of the ID theft. She referred me to Ms. XXXX of the faraud dept who advised me to fax all documentation which was done on that date at XXXX. My fax indicated received. 

As of today XX/XX/XXXX nothing has been received and bills still coming.
Consumer complaint received 2021-11-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC (CA)

This collection company started reporting on my credit without any written notification prior to reporting. This is not my debt, I was able to get the original creditor removed from my report and did not have a chance to dispute with the collection agency prior to them reporting.
Consumer complaint received 2021-11-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC (CA)

My Wife and are receiving constant calls from Direct Recovery Services. These are recorded messages stating they are collecting a debit. The message gives no other information. I am told my account number with Direct Recovery Services is XXXX. I have XXXX and the company and logged on to their site. The account number they give references a XXXX XXXX account I do not have. I do not have a balance with XXXX XXXX. My credit report does not show any outstanding balance with XXXX XXXX. I do not have an account with XXXX XXXX that matches the account number they provide at their website.
Consumer complaint received 2019-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My loan is being reported 210 days late by XXXX and I can't get a representative to resolve the problem or even respond to my concerns. My home secured by the XXXX loan is currently under contract however I have no place to move since obviously, no landlord or mortgage company is going to deal with someone whose credit indicates they are 210 days late on a mortgage. 

My Trial Modification was never granted on my loan when XXXX took it over from XXXX. As you can see from the attached I made the payments as agreed. Below is a summary of when these money orders were cashed. Whats more, every single one of my payments since the loan was transferred last XXXX has been made on time to XXXX with certified funds and delivered by certified mail. There is no factual basis whatsoever for disputing that I made each payment on time. Copies of the cashed money orders are attached. 

XXXX is now claiming to not have received one of these payments. This is the first time I have heard this. I am very concerned that it is not lawful for XXXX to simply ignore my repeated requests to stop placing inaccurate information on my credit report. Please help me to resolve this. 

Below is a summary of the attached money orders receipts and Trial Mod due dates. 
Trial Mod Payment # 3 due on XX/XX/2018 for {$1800.00} was cashed on XX/XX/2018, Trial Mod Payment # 2 due on XX/XX/2018 for {$1800.00} was cashed on XX/XX/2018, Trial Mod Payment # 1 due on XX/XX/2018 for {$1800.00} was cashed on XX/XX/2018
Consumer complaint received 2019-06-08
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. (FL)

I have did a police report XX/XX/XXXX I have called the credit agency XX/XX/XXXX XXXX XX/XX/XXXX XXXX I  have sent certified letter XX/XX/XXXX XX/XX/XXXX The agency have violated my right and will not remove these account of my credit under the fair act reporting. 
The company the are fraudulent are XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Account Name/ Number ~XXXX/XXXX XXXX XXXX-XXXX ~XXXX XXXX- XXXX The above account are being reported as late and I've never been late and i have A 1 credit. Your company continue to report these negative items on my credit profile which is inaccurate information. I've sent several letter on behalf of this matter and you continue to report this inaccurate information thats 's damaging my credit profile.
Consumer complaint received 2018-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Account Name/ Number ~XXXX/XXXX XXXX XXXX-XXXX ~XXXX XXXX- XXXX The above account are being reported as late and I've never been late and i have A 1 credit. Your company continue to report these negative items on my credit profile which is inaccurate information. I've sent several letter on behalf of this matter and you continue to report this inaccurate information thats 's damaging my credit profile.
Consumer complaint received 2017-12-16
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: Bread Financial Holdings, Inc. (MO)

I had several accounts with XXXX XXXX when I filed for bankruptcy. Instead of XXXX reporting the accounts as included in the bankruptcy, they are reporting them as sent to collections. These accounts had never even been listed as 30 days late prior to my bankruptcy because they were current. They are not only reporting the accounts that were open at the time of the bankruptcy as sent to collections, but they have also taken accounts that had been paid and closed long before the bankruptcy was filed and are claiming the same with them as well instead of reporting them as closed at the consumer 's request and paid, never late.
Consumer complaint received 2023-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

This complaint concerns a checking account # XXXX at Capital One. The account is owned by XXXX XXXX XXXX. This entity is the XXXX XXXX XXXX organization and I am the XXXX XXXX XXXX the organization. Typical deposits are a portion of election qualification distributed by the XXXX  XXXX XXXX XXXX. 

On XX/XX/2021 the treasurer, XXXX XXXX XXXX  unexpectedly passed away. XXXX XXXX was the elected treasurer of the organization. 

Capital One has refused the organization access to the account without a death certificate. The organization is not an appropriate entity to get a death certificate nor is the asset part of XXXX XXXX estate. The new treasurer ( XXXX XXXX XXXX XXXX  ) went to the Capital One location in XXXX XXXX and was denied even information regarding additional information regarding the identity of approved signers on the account. Capital One has provided no path forward to gain access to the account. 

I submitted a complaint to Capital One and was assigned this to reference - XXXX. I request the assistance of the CFPB so that we can gain access to an asset held XXXX by Capital One.
Consumer complaint received 2019-06-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC (MO)

This firm CAVALRY SPV I , LLC / XXXX AND XXXX, XXXX filed judgement against me on XX/XX/2010. I have paid them over XXXX on an original judgment of XXXX they sent me a new judgment amount showing I still owe XXXX ( see attached statement ). They have issued a garnishment against my wages that jeopardizes my employment and my ability to pay my month debts. I tried in the beginning to pay this amount directly to them versus garnishment and they would even respond.