davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-24
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This complaint is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my previous letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. 

XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX XXXX-Late/Open Late Date XXXX, XXXX XXXX Date XXXX Balance : $ 84.00-Late/Open Late Date XX/XX/XXXX
Consumer complaint received 2022-08-02
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. (IL)

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

1. XXXX  XXXX  XXXX XXXX  Account Number : XXXX Bal : {$140.00} 2. XXXX XXXX Account Number : XXXX Bal : {$270.00} 3. XXXX XXXX XXXX  Account Number : XXXX Bal : {$320.00} 4. XXXX XXXX XXXX Account Number : XXXX Bal : {$29.00} 5. XXXX  XXXX  Account Number : XXXX Bal : {$6100.00} 6. XXXX XXXX  XXXX Account Number : XXXX Bal : {$2700.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.
Consumer complaint received 2021-12-18
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: EQUIFAX, INC. (FL)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED ACCOUNTS THAT ARE DREOGATORY, WHICH CONTINUE TO REMAIN ON MY CREDIT REPORT. THESE ACCOUNTS NEED TO BE REMOVED EXPEDITIOUSLY AS THEY ARE CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2020-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On the XX/XX/2019, my car got broken into whiles I was working out at the XXXX XXXX gym in XXXX Washington. The thief stole my wallet and other belongings in my car. I had my ATM debit card and my driver 's license in my wallet and at that time my PIN number was my date of birth, which the thief had access to. Three transactions were made before I was able to cancel the card and I called the cops right away to report the incident which I have a case number. The following are the transactions made before I was able to cancel the card. 

XXXX XXXX XXXX XXXX XXXX XXXX, Wa XXXX Amount : {$80.00}. Time : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wa XXXX Amount : {$1000.00}. Time : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wa XXXX Amount : {$250.00}. Time : XXXX I recently got a letter from Bank of America stating that from their investigation all the transactions were appropriate, hence my claim is deny and the case is closed, so the credit I got for the lost money was removed from my account, which is the XXXX and XXXX transactions. The XXXX XXXX transaction investigation is pending as that was disputed later because that was not included in the initial transactions when I first reported the incident to bank of America customer service. 
I requested for the police report after I got a letter stating my claim has been denied but I was given a letter instead stating the case is still under investigation which I have since fax to bank of America fraud department. 
I'm still yet to be credit hence my complain.
Consumer complaint received 2022-10-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MO)

My loans were transferred to MOHELA in XX/XX/2022. I've submitted XXXX periods of employment for PSLF but MOHELA says I only have XXXX. I've emailed repeatedly and have been on hold on the phone for 2 hours just to be told that they can not find an account under my social security number, then the automated system disconnects me. I CLEARLY have an account, as I can see it when I log in to their website. No one will call me when I email. I can not get through on the phone. My PSLF paperwork is just sitting there. I should be eligible for forgiveness NOW. PLEASE HELP!!
Consumer complaint received 2023-03-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EOS Holdings, Inc. (CA)

I checked my credit and saw an account from XXXX. I never receive any correspondence about this debt or how to dispute it. I am a military spouse and my husband was recently killed overseas. I am homeless and have to find housing for me and kids.
Consumer complaint received 2021-12-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc. (GA)

I am XXXX XXXX and Im submitting the complaint myself and there is no third party involved. 

I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was denied my right of credit by UPSTART HOLDINGS , INC. d/b/a UPSTART. I was notified of this transgression of my rights, specifically 15 USC 1601- The Truth in Lending Act by UPSTART HOLDINGS, INC. d/b/a UPSTART on XX/XX/2021, via email. According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by UPSTART HOLDINGS, INC. d/b/a UPSTART adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to ( {$5000.00} ), UPSTART HOLDINGS, INC. d/b/a UPSTART is now civilly liable to pay me for the damages.
Consumer complaint received 2022-08-12
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: OLD NATIONAL BANCORP (MN)

Old National Bank called me a couple of weeks ago to ask me to make a payment. I explained that I had never applied for a loan there, and that all three of my credit reports have been frozen for several years, so no one should be able to establish any new credit in my name without my knowing about it, so I assumed that the call was fake. 
Then, on Thursday XX/XX/2022 I received a Past Due Notice from the same company -- Old National Bank ( XXXX XXXX XXXX XXXX, IN XXXX ) -- that showed a principal balance of {$22000.00} that had become past due on XX/XX/2022. I checked my credit reports online immediately, and it appears that the loan was taken out on XX/XX/2022. I believe this loan was done fraudulently without my knowledge. I have no idea how this company was able to create a loan in my name when I have freezes in place with all three credit reporting agencies.
Consumer complaint received 2022-02-02
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. (TN)

Hello there are some inaccuracies on my credit file. I have sent several letters to the company and credit reporting agencies. There seems to be a confusion on the accounts being association to me and I do not take responsibility for something that is not mine. There are closed accounts or zero balance accounts with NO late payments that should have been closed or removed. I have contacted Equifax, XXXX XXXX, and XXXX several times. Per 15 USC 1692 ( g ) Validation of Debts that only way an account can be validated is by speaking with me not a 3rd party company.
Consumer complaint received 2021-12-18
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: WELLS FARGO & COMPANY (NY)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

XXXX. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-12-18
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. (NY)

i am a victim of identity thief. XXXX XXXX XXXX has fraudulently accounts on my credit profile that need to be removed immediately. 

XXXX XXXX XXXX aswell
Consumer complaint received 2021-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

PLEASE HELP ME WITH SOMTHING, IVE BEEN A VICTEM OF IDENITY THEFT.. SOME USED MY CREDIT AN GOT XXXX  XXXX  IN MY NAME. I ALSO HAVE AN ACCOUNT THAT WAS REMOVED DUE TO FRAUD AND IT HAS REAPAERED ON MY REPORT. THE PROMBLEM IS THE COLLECTION AGANCY DID NOT SEND ANYTHING IN WRITING SAYING THESE ACCOUNTS WERE BEING ADDED BACK TO MY REPORT.. THE FOLLOWING COMPANIES PLACED ACCOUNTS ON MY CREDIT REPORT WITH OUT PROPER NOTICE.. THIS IS A VIOLATION OF FCRA. 

1. XXXX XXXX XXXX, {$1000.00} ACCOUNT NUMBER XXXX I'VE NEVER DONE BUSINESS WITH THIS COMPANY OR ENTERED INTO A WRITTEN CONTRACT WITH THIS COMPANY. THIS COMPANY PUT THIS ITEM BACK ON MY REPORT WITH OUT 5 DAY WRITTEN NOTICED.. 

2. XXXX XXXX XXXX, {$380.00} ACCOUNT NUMBER XXXX I'VE NEVER DONE BUSINESS WITH THIS COMPANY OR ENTERED INTO A WRITTEN CONTRACT WITH THIS COMPANY. THIS COMPANY PUT THIS ITEM BACK ON MY REPORT WITH OUT 5 DAY WRITTEN NOTICED.. 

THE FOLLOWING ACCOUNTS BELOW, ARE FRAUDULENT, IVE NEVER DONE BUSINESS WITH THE FOLLOWING COMPAINES, IVE NEVER ENTERED INTO A WRITTEN CONTRACT WITH THE FOLLOWING COMPANIES. 

1.XXXX  XXXX {$1900.00} 2..XXXX XXXX  {$1300.00}
Consumer complaint received 2021-12-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NY)

on Monday, XX/XX/2001, I got a text from Macy 's card fraud asking me if I made a transaction in XXXX XXXX TEXAS for the amount of {$6700.00} I reply NO I DID NOT I call Macy 's and they said there were 3 attempts in Macy 's credit card and someone asks for a credit increase i said I did not well from Monday XXXX to Friday XXXX Macys charge to my account {$13000.00} which reflect also in my XXXX XXXX report i call several times to Macy 's customer services XXXX and they tell me different things every time I call my credit line was $ 7k with Macy 's i only own them {$800.00} .MACYS DO NOT ASK FOR A PHOTO ID WHEN YOU DO A TRANSACTION WITH THEM YOU ONLY SHOW Macys credit card and transactions go through any hacker can clone your card NO SECURE PLACE TO DO SHOPPING PLEASE HELP
Consumer complaint received 2021-12-18
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)

My Auto loan for my financed XXXX XXXX XXXX XXXX was sold outright and was paid in full on XX/XX/XXXX, and a paid-in-full letter was obtained by the lienholder ( XXXX ) on XX/XX/XXXX to evidence the payoff on this account. 

Currently, this account is still showing a balance on my credit reports from Equifax, XXXX and XXXX. This is in violation of the Federal Credit Reporting Act, because the information reported by all three bureaus is misleading by perception, supported by 15 U.S.C. 1681. 

Email address : XXXX Mailing address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2021-10-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (PA)

Someone bogusly opened a credit card in my name, and they ran up a bill of {$4700.00}. The account was turned over to a collection agency, which purchased the debt, and now this company has filed an adverse credit report with XXXX. 

I was contacted about two months ago by XXXX XXXX XXXX XXXX XXXX ( a collection agency who purchased someone's debt from PayPal ) regarding a delinquent PayPal credit card account that was allegedly taken out using my name and my rental property address. I told them that I did not take out the credit card. They tried to confirm my current address for my credit card, but they used my former address, which is not my current address. After I contested the collection on the phone, they said they would do an inquiry. They did an investigation, and they sent me a letter stating that their investigation " has obtained and reviewed attached documents related to this account, which establishes its validity. '' I heartily disagree with their findings. Just because an account has my first and last name on it with a credit card company does not mean that the account belongs to me. One of the documents that they sent me to prove this was a copy of a statement from PayPal credit from XXXX with my first and last name on it. I know nothing about this statement. I do not know how someone opened an account in my name.
Consumer complaint received 2022-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN INTERNET MORTGAGE (OH)

The company took over payments from me alleging that i did not have insurance despite me providing insurance information. They claimed they sent a refund check and i never received it. I asked for a refund check to be sent back on XXXX. They agreed and mailed me a check dated XXXX which I received in XXXX. I cashed this check BEFORE 90 days is up and the bank said that AIM LOAN issued a stop payment on this check and thus caused me to incur fees and not have this check. 

When I called up AIM LOAN said that i requested a stop payment on this check on XXXX. How can I request a stop payment on a check that has not even been issued yet? I didnt. AIM LOAN stopped this check on its on account because they dont want to refund the extra money they charged me on the extra fees that I have incurred because of this. They need to refund this check, the overdraft and stop payment fees and all other fees that I have incurred because of this.
Consumer complaint received 2022-10-15
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. (CA)

I've recently received my consumer report from EQUIFAX and noticed that there were unauthorized accounts being furnished.On XX/XX/2022 I wrote a letter which was sent overnight and received XX/XX/2022 tracking number being XXXX ( confirmation attached ) In this letter I've communicated to EQUIFAX letting them know that I was aware of the fraudulent accounts reporting on my consumer report. ( XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX - XXXX ) I also explained to EQUIFAX that I hadn't given them written or oral consent on my behalf which according to the FCRA are required before any consumer reporting agency furnishes any account.According to 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.With EQUIFAX reporting these accounts they are in violation of that subsection as well as 15 usc 1681 ( n ) ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. I'm demanding EQUIFAX TO BLOCK AND REMOVE the accounts listed above or I will presume litigation for all damages caused by this consumer reporting agency.
Consumer complaint received 2021-12-18
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: 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
Consumer complaint received 2021-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (MO)

On XX/XX/2021 Citi closed my credit card account ( account number XXXX ). Before closure there was several hundred dollars worth of rewards cash back that was met through normal card spend in accordance with the card 's terms and conditions. Upon account closure none of this cash back was accessible or redeemable. As of the time of submission for this compliant, I have still not been reimbursed or otherwise given the cash back earned and accrued while the account was open and in good standing. Attached with this complaint are the two most recent statements, showing the cash back before ( {$680.00} ) and after ( {$0.00} ) account closure.
Consumer complaint received 2021-10-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: HYUNDAI CAPITAL AMERICA (MD)

I purchased a XXXX  XXXX XXXX and financed through Hyundai Motor Finance to get the {$750.00} credit towards the purchase. I was told i had to make three payments to keep the benefit. I called to confirm before i did a re-finance and they said, two payments and the re-fi payment were sufficient I paid off the loan through a re-finance on XXXX XXXX of XXXX The payment received paid of the balance and more, {$200.00} more. I have been waiting to get my refund check since XXXX of XXXX. I did a initial call on XXXX XXXX to check the status I was told it would be 45 days. I called back on the following dates : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( 3 times that day ), XXXX XXXX ( twice that day ), XXXX XXXX Each time i called I was told I should have gotten my check already. Sometimes i was told my check " failed '' in processing and needed to be manually done. I was told this was done on multiple occasions and that i would get the check in 7-10 days. So after a week I would call back and be told the same thing. When i asked to speak to a manager i was told i had to physically write a letter to them regarding this issue if i needed to escalate my refund. I am told that the customer service department has no way to talk to their " payment processing '' people all correspondence is done via email. They also do not follow up with the customer, instead they tell me I have to call back to get an update ; when I do call back there is no update and they " send another high priority email. '' It seems unfair and unlawful to continue hold onto the credit from my loan balance. I paid the loan off in full and it has been XXXX months and multiple calls with them and I essentially continue to get the run around. 

Please help.