davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CHARLES SCHWAB CORPORATION, THE (CA)

I have tried to open a checking account with Schwab on XX/XX/XXXX. However, they still haven't approved the account. They said there is a delay in processing new accounts. But the company do little to fix the issues. Iv talked to them many times, with little help to get my account opened. It's been more than 3 weeks.
Consumer complaint received 2022-07-19
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my file that do not belong to me, or that I have signed any agreement. The item I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the item listed below : XXXX XXXX
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XXXX of XXXX, I first noticed that my credit score was very lower than what I expected. I never had any late payments or outstanding balances. I went to XXXX and saw there are some accounts I have never applied for. I reached out to those companies and informed that these accounts don't belong to me, and I have never applied for these accounts. Some of them informed me to start dispute with credit bureaus, and they gave me their own case number. However, as time goesXXXX XXXX XXXX never replied me back or called me. I started dispute with my credit bureaus, but they came back with result saying it is valid account. I still tried to call them, but XXXX XXXX  repeatedly informed me they can not help me because they can not verify me. How do I know what information was used when imposter used to open this account? I have been trying to contact XXXX XXXX but they never provided me case number, just saying I should contact my credit bureau. HOWEVER, when I did that, my credit bureaus came back and told me that it is valid account. I am not sure what can I do at this point.
Consumer complaint received 2015-06-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (PA)

i never had this account i tried to contact the, m but run around. my score is so low because of this .why and i need to do something about this now. 
thank you
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

As far as I understand, FCRA 605B mandates the removal of inaccurately reported accounts from credit reports. I'm unsure about the details, but I urge you to examine the accounts provided in the documents. They're inaccurately reflected on my credit report, with incorrect account details and statuses. This situation has left me feeling upset and unwell. Your help with this matter would be greatly appreciated.
Consumer complaint received 2021-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Hello, I had unauthorized charges on my checking account and reported them to the bank. 

The charges were made as XXXX XXXX. I don't even have a XXXX XXXX account and the description also doesn't have my information. 

I called the Bank and claimed the unauthorized charges but they denied the claim. 

Claim number # XXXX filed on XX/XX/2021 for {$6200.00}. 
Claim number # XXXX filed on XX/XX/2021 for {$4000.00}. 

I feel I'm being unfairly treated here. 

I request the company to fix the issue and resolve this as we are going through difficult times.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2021-09-02
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: EQUIFAX, INC. (TX)

An attempt was made to resolve the negative inquiries on my credit report with Equifax Credit Bureau due to fraudulent activity. This occurred on XX/XX/2021. They refused to assist me and directed me back to the creditors. I informed them that contact was already made with them.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

An affidavit form was submitted as a response to the initial letter response from them, and has been completed and returned as of XX/XX/2024. I have received no response. 

This account is still showing on my credit report, and there has been no validation that the account belongs to me.
Consumer complaint received 2022-07-19
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. (MO)

I sent a letter on XX/XX/2022 to bureaus to remove personal information : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; accounts XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX ; XXXX XXXXXXXX ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX ; XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX that ere UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to block any items or information not later than 4 business days after the XX/XX/XXXX letter sent to Bureaus.Ive already included this in my previous Complaint # XXXX XXXX, XXXX, and XXXX & I am including it again
Consumer complaint received 2021-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

XXXX, XXXX  and Experian removed my XXXX  XXXX CREDIT CARD from reporting on my credit report. 

I contacted XXXX XXXX and they shared they report the balance of my card every month to all 3 credit bureaus. 

The XXXX XXXX Credit Card ending in XXXX with balance of XXXX should be reporting on my Credit Report.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This formal complaint is in regards to the letter provided by TransUnion LLC dated XX/XX/XXXX. 

The letter indicates the following accounts were VERIFIED AS ACCURATE AND UPDATED. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Update to current, paid as agreed. Remove for late payments : XX/XX/XXXX. 

Per congress via 15 U.S. Code 1692g - Validation of debts, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector. 

I STILL have not been presented with the name and contact information of such an individual that has confirmed the validity of this debt with the date and time and means of verifying. 

Additionally, I was not provided evidence that confirms consent by ME to TransUnion LLC or the furnishers of this information that provided TransUnion this information that evidence my CONSENT prior consent to the reporting of the transactions and or experiences on my consumer report. 

TransUnion LLC is failing to comply with laws of FCRA and responding with stalling tatics and unverifiable information to avoid compliance. TransUnion LLC should be fined immediately for non-willful compliance and blatant harm and disrespect to me, the consumer, you the CFPB and FCRA.
Consumer complaint received 2022-07-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

I have been a victim of unfair and inaccurate reporting of my consumer credit report by EXPERIAN. From my research and understanding, they are in violation of 15 US Code 1681b - permissable purposes, which states that no credit reporting agency shall report anything on my credit report without my written consent. My written consent was not given so that makes this aggravated identity theft and a violation of my federally protected consumer rights.
Consumer complaint received 2020-12-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TCF NATIONAL BANK (IL)

On XX/XX/2018, XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported a fraudulent account to XXXX credit bureau. After numerous attempts to have the account removed from XXXX, I've been forced to file a complaint with CFPB. I've sent a copy of my police report to XXXX XXXX XXXX XXXX XXXX XXXX XXXX to prove that the account is fraudulent. I'm a victim of identity theft.
Consumer complaint received 2017-09-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE (CA)

im having an issue with Barclays Bank reporting an old stale incorrect debt on my credit report and everytime I call and ask to speak to them about it they keep referring me to XXXX XXXX to whom they sold the account to but XXXX XXXX is no longer reporting and ceased collection activities furthermore there was only one XXXX account with Barclays bank but they are reporting 2 accounts XXXX and XXXX XXXX XXXX & XXXX XXXX so I am confused as to what is what and the account was defaulted a long time ago as the statue of limitations has passed and this is having a negative impact on my credit.
Consumer complaint received 2021-04-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF THE WEST (CA)

I have been banking with Bank of the West for the past 4 years, never had an overdraft or any other negative activity on my account, I went to the bank provided them with 2 forms of ID changed my account type from starter to any-deposit which is their normal account type. They asked about my citizenship, inquiring which country I had a second citizenship with, while I have SS number and my real CA id presented to the Banker. The banker acted as if she was an ICE or IRS rep not a banker, I was shocked and offended but I answered questions and at the end I asked 3 time were all things in order bc I was sent a letter asking me to go into a branch an verify my Identity which I did 2 weeks ago, I was told all was ok and My bank account is in good standing. I asked my account wont be closed right and was assured it wouldnt be. Yesterday on XX/XX/2021 the bank in fact did close my account and did not inform me of their actions. I went grocery shopping and my card was declined, I was humiliated, I looked at their banking application and it showed my entire balance was debited without my knowledge without an indication of what had happened. I called and spent an hour on hold waiting for customer service to answer, was told a branch location in XXXX California, the original one which I had opened the account in, had closed my account and I needed to go to that branch and find out why, and try to get access to my {$3000.00}. I went today and was told very rudely that the bank doesnt have a manager that I could speak with! I was given a false main number to their bank back offices, I called and it was in fact the same rude teller who picked up and told me to call their 1800 number. I called that again today and their call center says I need to deal with the location branch! I asked if they could expedite my money to me faster and was denied that as well! They have send my money in regular mail, which takes 7-14 business days! I have rent due and other payments without access to my own paycheck which was automatically deposited as it always has been for the past 4 years! I do not see any other reason except for my race and my citizenship that this bank and its personal have taken such an action towards me! I believe deeply that the Bank of the West has discriminatory policies towards members like myself who are not natural born citizen because of the fact that they asked for proof of my citizenship!
Consumer complaint received 2020-07-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MD)

I have been on the Income Driven Repayment plan with a {$0.00} minimum payment. I am XXXX XXXX military and my understanding is that this is supposed to count towards the 10 years for the public service loan forgiveness program. Yet, the company keep automatically placing me on deferment plans that don't count towards the 10 years. This is in addition to the rude, bad, and/or misleading information that I get from the extremely rude customer service representatives when I call. It really seems as if they are purposely trying to ensure that this program is not used by service members.
Consumer complaint received 2018-12-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MA)

I will start with my medical situation as a base for what has transpired but not as an excuse only to illustrate timelines. I had some medical issues revolving around my XXXX which led me to originally fall behind on my loan and I eventually paid everything I was behind and continued on paying my mortgage. My health further declined recently after a XXXX XXXX. I chose to sell my home and move to a place that would allow me to be independent longer. After listing the property and realizing this diagnosis isn't the end and that I have many years left in me I approached Ocwen with the idea of getting a modification to help ease with my treatment costs etc. I will attache all of the documents I received from Ocwen and I was ecstatic and thankful when they gave me a loan modification. In XX/XX/2018 I was given a trial modification which had me making three payments 1st in XXXX, 2nd in XXXX, and 3rd in XXXX. I made all of these payments and continued  making that payment amount. When Ocwen sent me a final modification I signed it and returned it asap. Ocwen eventually stopped taking my payments and told me it was because I didn't return the final modification!!!! What!!!! I was defeated I did literally everything asked and my prayers that were answered were now shattered. I am attaching the trial modification, the signed final modification, and the three statements I received from OCWEN when I was in my trial. The one to focus on is XXXX 's statement. Per my agreement it was to be {$5900.00} and they sent me one for {$38000.00}. After reviewing it and speaking to some friends that have experience it is my believe that Ocwen accidentally had me in a forbearance and not a trial modification, when the forbearance in their system was up I needed to pay $ XXXX and then subsequently I lost my modification and no one has been able to answer why other than it was not returned, which it was! Please help me square this away and let me get back on track, I can make the payment I just need help getting everything back in order as it was in XXXX.
Consumer complaint received 2022-01-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (KY)

This is a reponse to the letter that was written to me... 

So you guys listen to the phone call and didn't hear of any wrong doing or treating me with my credit report? 

So are your reporting accurate now? 

How many refi have I had with you? 

How many account have I had opened up with XXXX? 

It's way to late to start hiding the hand after you threw the rock... 

Well I want all question answered. And im gon na help you with the phone call... Maybe you missed it... I have it for you ... enclosed is a transcripted of phone call.
Consumer complaint received 2024-03-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ZINC Financial, Inc., (PA)

They added.my DOWN PAYMENT to the price of the car. Why and how are yall not seeing this? I circled it to show. By them doing that it raised the price of the car instead of lowering it. Thats a XXXX swing. I ve already satisfied the loan. They need to correct this and it will see I paid well over. Your company is supposed to protect consumers who been done wrong. They are charging me for my money I paid? lLOOK AT THE CIRCLE BLOCK IT CLEARLY STATES DOWN PAYMENT AND PRICE OF THE CAR. YOU CANT ADD MY DOWNPAYMENT
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

I have tried to correct inaccurate information on my credit report. However, XXXX  XXXX XXXX XXXX doesn't allow me to dispute it on their website. There's always a technical error for the past 6 months.. This is what the apps says. 
Something went wrong. 

We encountered an error while trying to process your request and your dispute was not successfully submitted. We apologize for the inconvenience. 

You can go directly to XXXX  to file this dispute Return back to XXXX XXXX
Consumer complaint received 2016-03-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (IA)

Have loans from XXXX XXXX XXXX, I ask all the question to recruiters about credit transfers and wanting to obtain my bachelor 's. I quote would n't you rather go to a school that 's nationallyaccredited and not regionally?! XXXX. So much more involved charging amounts I never authorized. Putting more against my credit. I actually cut losses and started over about rear later after learning KY degree would n't be honored. Please help they are n't owed a dime after living so blatantly.
Consumer complaint received 2022-03-29
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: Experian Information Solutions Inc. (TX)

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

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

15 U.S.C 1681 Section604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-04-08
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bull City Financial Solutions, Inc (VA)

I saw on my credit report that I had multiple accounts adding up to the amount of XXXX. I wrote to the hospital and applied for financial assistance. I never heard back. It has been more than six months. The debt is in collections at Bull Financial account # XXXX BULL FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX. I requested validation of the debt. They responded with medical records, a Direct violation of HIPPA regulations. Not only did these documents have procedures and/ or medications received, but they also contained my SOCIAL SECURITY NUMBER with NO security measures taken. I never signed a HIPPA form authorizing access to any such third parties having access to my records.
Consumer complaint received 2022-08-09
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. (IL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, WI XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX  XXXX Bankruptcy Reference # : XX/XX/2021 Reference # : XXXX