davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

My complaint is against XXXX XXXX and all 3 credit bureaus ( EQUIFAX, XXXX, XXXX  ) .I am writing to inform you that I am a victim of identity theft. My personal information was compromised and as a result fraudulent Charges were included on my account. I want to state it crystal clear here that I did not benefit with anything whatsoever from this fraudulent charges included on my report. Please note that I took this XXXX business card under a company I worked for called XXXX XXXX. But alas later at the mid-XXXX, the card started incurring fraud charges. The company business was to pay up the XXXX  account in regards to the receipt I give them. The information of the account ins the following : XXXX XXXX ACC # XXXX******, Date Opened XX/XX/XXXX, Balance {$0.00} I also tried to dispute this incident with all 3 credit bureaus ( EQUIFAX , XXXX , XXXX ) and nobody even investigated the account as the law demands and should have also BLOCK the account as the FCRA requires and that is a violation to the California reporting act. Im also attaching letters sent to credit bureaus with a Federal Trade Commission report filed on XX/XX/XXXX that they received. 


Im attaching letters I sent to creditor in this case XXXX XXXX and Im also attaching them a copy of an unfiled SC-100 that I will file in the case that XXXX XXXX dont remove fradulent account from my reports.
Consumer complaint received 2019-06-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc. (OR)

Located this collection on a recent review of my credit report. According to the report Credit Management LLP started reporting in XX/XX/2019. On, or about, XX/XX/2019 I called this company to inquire on the origination of this debt and the amount owing of {$340.00}. The representative indicated this was a past due XXXX bill and that i was notified via mail in early XX/XX/2019. I told the representative that i was unaware of any amounts owing to XXXX and that i received no notification from anyone regarding this collection. I asked for proof mailed to me at the address of record ( which was verified ) of the origin of this debt. 

As of this writing, i have received no communication from either Credit Management LLP or XXXX regarding this debt.
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MO)

I previously sent a letter addressed to the Credit Bureaus dated XX/XX/2022 requesting that the Credit Bureaus investigate and correct the statuses of the disputed accounts from my Credit report. I have also been sending letters before the said date and have also been expecting for the Credit Bureaus to respond but the Credit Bureaus never stopped to disappoint me. Under the FCRA section 609 and 611, the Credit Bureaus are required to validate the status of the disputed accounts. I am now submitting this complaint as a means to communicate with the Credit Bureaus and to inform them that if the Credit Bureaus are not able to correct the Accounts, I would highly appreciate it if the Credit Bureaus opted to remove the disputed accounts from my Credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-12
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (GA)

PNC CLOSED MY ACCOUNT WHEN I WENT TO OPEN AN ACCOUNT OF FOR MY XXXX YR OLD SON : THEY STATED THE WOULD NOT OPEN AN ACCOUNT FOR HIM AND THEY ARE ALSO GOING TO CLOSE MY ACCOUNT : AS THEY DID, THEY CLOSED MY ACCOUNT WITH NO REASON : MUILTI CALLS AS TO WHY MY ACCCOUNT WOULD BE CLOSED AND THEY SAID THEY HAVE A RIGHT TO CLOSE MY ACCOUNT PERIOD. 

THEY KEPT MY FUNDS FOR OVER 20 DAYS MY ACCCOUNT WAS IN GOOD STANDS AT THE TIME THEY CLOSED IT : I RESEARCHED THE MATTER AND PNC AND MANY other banks are randomly closings accounts OF MINORITIES AS WELL AS PEOPLE WITH SMALL AMOUNTS DUE TO THE MERGER PERHAPS, IT'S CURRENTLY A CLASS ACTION LAW SUIT BEING FILED FOR DISCRIMINATION : they reported me to early warning credit as abuse ( with no documentation of abuse ) I'm currently not about to open a normal bank account due to being racial discriminated by PNC and XXXX XXXX XXXX : I will be posting the details with XXXX on a separated compliant : i have over 200 statements from PNC opening an account for my son and sending us both online bank cards, then letters stating they would closed : No verbal nor written reason was given and the documents received do not reflect abuse however they reported this to early credit warning as Abuse : this is very misleading and a discriminating process as well as preventing me from opening up a bank account : I HAVE ATTACHED A FEW STATES AND THE EARLY WARNING FILE : BOA AND PNC HAS FALSE INFO REPORTED, I HAVE THE FULL DETAILS FOR XXXX AS WELL. 

Account # : XXXX CLOSED XX/XX/2020 2020
Consumer complaint received 2022-08-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (NV)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 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 AARGON AGNCY XXXX AARGON AGNCY  XXXX
Consumer complaint received 2019-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (TX)

called company and spoke with a Supervisor regarding my credit report showing a late payment in XXXX 2017. This was during the time Harvey hit the gulf coast/XXXX  area and was advised a courtesy would be extended to making the payment. Still showing on credit report and was not removed.
Consumer complaint received 2019-06-14
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: DISCOVER BANK (GA)

I feel like my life has been completely destroyed. Someone opened up a fraudulent credit card with DISCOVER in my name and accumulated all types of charges. I noticed the cards within my credit report in XX/XX/2018. I disputed the accounts and it was removed from my credit report after a thorough investigation. Now 4 months later the account has popped back up into my credit report from Discover Financial and dropped my credit score over 200 points. Ive disputed this account more than once and its been successfully removed and it continues to come back. I'm devastated right now. Contacting the FTC & CFPB was a last resort. PLEASE HELP ME GET THIS ISSUSE ALL CLEANED UP ....
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: EQUIFAX, INC. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-08-02
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my tXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-04-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MD)

I sold $ XXXX XXXX coin on XXXX. They transferred $ to Coinbase via their XXXX XXXX network. Coinbase wouldn't accept this and $ in the clouds/big hole. 
XXXX should never have used XXXX knowing it wouldn't be accepted. Coinbase should have refused it and returned to XXXX. I would have then transferred to my checking account. 
The consumer is totally unaware that these 2 major exchanges have this problem. They shouldn't be allowed to go unchecked. We don't know these transaction methods. XXXX encouraged their XXXX. Coinbase should have returned XXXX Both companies are unwilling to help. 
I'm not alone. 
PLEASE HELP.
Consumer complaint received 2021-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection XXXX XXXX. The collection agency annoyingly contacted me even it is already After XXXX XXXX. or before XXXX XXXX This violates FDCPA Section 805 ( a ) ( 1 ) Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged collection. I have even requested documents to be provided to prove that the payments were indeed in the collection. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?
Consumer complaint received 2022-08-24
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. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XX/XX/2022 XXXX CARD XX/XX/2022 XXXX-XXXX  XX/XX/2022 XXXX CARD XX/XX/2022 XXXX XXXX XXXX  XXXX Balance : {$13000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022 If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-12-20
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 : CREDIT COLLECTION SERV ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX
Consumer complaint received 2021-12-20
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)

XXXX, XXXX, Equifax, and XXXX are reporting information on my consumer report that is not only inaccurate, but I never gave permissible purpose to do so. They are violating my federally protected consumer rights and making it difficult to extend credit.
Consumer complaint received 2022-08-28
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LD Holdings Group, LLC (CA)

I have received a letter from the loan depot department that that I missed XX/XX/2022 payment, But I verified with my bank and they confirmed the payment was mailed out through bill pay service on XX/XX/XXXX and it was cashed out by loan depot lender on XX/XX/XXXX. I have copy of the cashed drafted check along with the bank statement that shows the payment was withdrawn from my account. 

I tried to call loan depot many time but they could not locate this payments. I also provided them a copy of the check and my monthly bank statement that shows payment was withdrawn from my account. 

This is not the first time ; I mailed a payment to them. The bill pay service was setup a year ago and I never had any issue until the XXXX payment. I have provide loan depot copies of the last XXXX check those shows it was withdrawn from my account but some reason they can't help me out. 

Lander : Loan Depot. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX Account Number : XXXX Lander : Loan Depot.
Consumer complaint received 2019-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIBANK, N.A. (MD)

First, all my credit cards ( Sears, Macy 's and Best Buy ) were suddenly closed. The told me that their decision was based on information they received form Citibank. When I wrote Citibank Citibank asking for the reason, they said, " You have the right to close your account and we also have a right to close your account and we have chosen to exercise our right ''. This does not give me the real reason! 

Secondly, after sometime, I decided to try and apply for credit card with Macy 's and received the attached denial letter, apparently from Citibank and it's affiliates! 

Please help me to find out why this is happening when my credit is good at the three credit bureaus.
Consumer complaint received 2019-06-14
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)

XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX   XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX   XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. 


I contacted XXXX  and their consumer service will not help me at all with this issue,
Consumer complaint received 2022-08-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RELIANCE FIRST CAPITAL LLC (NC)

I am doing a refi on my mortgage with XXXXXXXX XXXX. They contacted my mortgage company Reliance First Capital. They would not give the payoff information to the XXXX XXXX XXXXXXXX. They did not want me to leave, The made several calls to get me to stay. I thanked them and said no thank you. No one signed the email and they just gave me a phone number to call. 

I signed on with Reliance and did not have to go thru this red tape XXXX  Now I switched to another company and they are giving me the run around and XXXXXXXX XXXXXXXX 

Can someone from your office call Reliance and get them to stop all this XXXX  My account number at XXXX is XXXX. 

My RXXXX XXXX account is XXXX - XXXX, XXXX Thank you all very much XXXX XXXX
Consumer complaint received 2020-09-27
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nelnet, Inc. (AR)

XXXX KEPT CALLING MY WIFE IN CHAPTER XXXX BANKRUPTCY ALONG WITH MY CELL 16 TIMES TO ( XXXX ) XXXX AND ( XXXX ) XXXX, DURING AUTO MATIC STAY FOR COLLECTIONS NOT LISTED IN DISCHARGE. SEE ATTCHED, WE HAVE SCREEN SHOTS TO CELL PHONES.
Consumer complaint received 2022-03-29
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/XXXX I received letters from Synchrony Bank that my credit cards I possessed with them have been cancelled and closed based on activity on the accounts indicative of high risk of failure to pay. I have several years with these cards and most of these cards were issued when I did have good credit. Since 2 years ago, and during the pandemic my income did decrease as I got a divorce, my mom died during the pandemic and I lost my job and cared for my mom to take care of her. I moved in with her and cared for her as she developed XXXX XXXX and eventually died on XX/XX/XXXX. I was caring for her household and my own home which was located XXXX hours away. My income did decrease and since have gained employment and obtaining social security benefits as I will be XXXX this year. Most of my cards were in good terms and i have auto pay as I worked very hard to maintain good credit with synchrony and now they have cancelled all my cards with the company and of course my credit has hit rock bottom. I understand the terms that they have every right to cancel at any time, but it makes me upset they did it unexpectedly and while many of my cards were in good standing and it wasnt until I tried to use them that I understand they were cancelled by Synchrony. They monopolize the issuance of these cards and now I an stuck with paying them with very high interest rates. I would like to have them be reinstated if possible or offer a mutual agreement to decrease interest rate so that i can work out payment arrangements that fit my budget.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are wilful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX. XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$21000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$150.00}, XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$110.00}, XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$2200.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, XXXX XXXXXXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$3800.00}, and XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$160.00}.