davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-20
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Upgrade, Inc. (OH)

Since XX/XX/2022, someone has tried to submit an application to get Ohio Unemployment in my name. They have applied for credit cards in my name to ( 1 ) Upgrade ; and ( 2 ) XXXX XXXX. They currently have my email account frozen as someone tried to access my email to gain info about the above two credit card attempts.
Consumer complaint received 2022-08-04
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S. Code 1681 states 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. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). ( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. 

I am so tired of the credit bureaus disrespecting my privacy and not assisting me in reconciling these erroneous accounts.
Consumer complaint received 2016-12-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

Items on my credit report were due to identity theft and fraud. I disputed the items in question and were deleted. The items are now showing on my credit report again and not sure why. I have also contacted the collection agencies and told they are not reporting. The credit agency refuse to remove the incorrect/outdated/fraudulent items from my credit report.
Consumer complaint received 2022-03-20
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (NV)

We're currently applying to do a cash out refinance on our current home and our lender found an issue on my wife 's credit report. It is showing that we were late paying our mortgage for 120 days and it shows it being a student loan ... ... how is this even right? 

You can see the details on the screenshot. The entry was posted on XX/XX/2021. We paid our house in full on XX/XX/2021. 

We were wondering why our credit report took a hit and couldn't figure out why until a year later! This is absolutely atrocious and damaging.
Consumer complaint received 2021-11-25
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. (GA)

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 2022-03-20
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. (TX)

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as a copy of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement
Consumer complaint received 2022-03-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CITIBANK, N.A. (VA)

On XX/XX/XXXX, I bought two perfumes and a sample perfume at XXXXXXXX XXXX XXXXXXXX Macy 's store that cost around XXXX dollars. Macy 's employee told me I could get a discount if I made a Macy 's credit card, which I did. I wasn't sure if I could get approved since I am an XXXX XXXX. A couple of weeks later, I got a letter from Macy saying that the credit card was not approved at the [ first address ]. I thought Macy 's would send me a statement letter so I could pay the money owed, but I never got a mail or an email other than the E-receipt ( attached ). My phone number at the time was [ phone number ]. I did not get anything and I moved to a [ second address ] on XX/XX/XXXX. Macy 's may have called me, but I thought it was spam because all the call operators had the same accent as any other spam calls I received in the past. 

I saw my credit score dropping starting XXXX and I thought I didn't pay my other credits cards on time. It wasn't until XX/XX/XXXX when I requested a credit report and saw Macy 's credit card was the cause. 

I called Macy 's to pay for the perfumes and whatever interest charge I have, but they haven't given me any good information about my account and didn't give me a way to pay the charges. I don't have a credit card number or even a statement of the perfumes I bought. When Macy did not approve my credit card, Macy 's failed to take the next step of sending me a statement after they did not approve the credit card so I could pay the bill via email or mail.
Consumer complaint received 2022-03-20
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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo, Thank you for your response to my concerns due to my identity theft report to the Internal Revenue Service. As you know, they will be requiring proof of filed forms for this said account. 
Part of the identity theft report is in response to filing a 1099-OID form and the unauthorized filing of this form for this XXXX account . 
This has not been mentioned by XXXX XXXX - the executive office case specialist or by the Claims Assistance Center. 

Both XXXX XXXX and the Claims Assistance Center have failed to respond to the question of; was a 1099-oid filled for this account? The grantor and beneficiary of this account is XXXX XXXX and Wells Fargo giving fiduciary responsibility to act in the best interest and benefit for XXXX XXXX. Wells Fargo was not given authorization to file this said form to the Internal Revenue Service. All actions taken for this account, are to be for the benefit of XXXX XXXX. Continuing to report the account as delinquent is a direct disservice to me and has harmed my ability to extend credit. 

The Claims Assistance Center sent a letter dated XX/XX/XXXX which I have attached. I have not claimed to need any temporary credit to this account. There should not be any activity on this account since it was Charged OfXXXX XX/XX/XXXX. This account is scheduled to be deleted from all consumer reporting agencies in XXXX and any activity to the account can restart that deletion. I want to be CLEAR that I did not submit a claim in the affidavit to credit this account. There has been no activity authorized by me to this account and therefore has been done fraudulently. 

Please note that the response to the affidavit was not a rebuttal therefore is a non response. 

Moving forward, all correspondence is to be responded through CFPB.gov, please cease and desist any and all communication through the mail, phone and consumer reporting agencies, unless it is for monetary compensation. If you continue to communicate with XXXX XXXX or XXXX XXXX through these mediums, violation scheduled fees will be applied and billed to Wells Fargo. 

XXXX XXXX XXXX XXXX  ) - this attachment was unable to be opened. You may resend this message if it is important. ( XXXX )
Consumer complaint received 2022-11-10
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. (CA)

Inquiries by unknown person made several attempts to obtain credit fromXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-11
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (TX)

Complaint against : Transworld Systems Incorporated XXXX I've told this company multiple times to stop calling me. There is no debt I owe them or any other debt collectors. They continue to call my cell phone every 2-3 days and leave voicemails. All they state in the voicemail is that " this is a recorded line ''. They then state " hello, hello, hello ''. And they finish by stating " no response received. Disconnecting call ''. I receive voicemails like this every 2-3 days. 

Here is a history of all the call attempts made by this company in the month of XXXX alone : - 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
Consumer complaint received 2022-03-20
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: FORD MOTOR CREDIT CO. (GA)

I have new and updated information regarding complaint number XXXX. I repeatedly requested the following documentation : a comprehensive audit trail to include all documentary evidence to validate the authorization of this transaction, debt validation, the Generally Accepted Accounting Principles ( GAAP ), proof of accounting ledger from when the account was created up to its current state, the signed authorization that gave them permission to access and release my personal private information, signed in wet ink consumer credit application, proof of name and address of the original creditor that created this transaction, and name and location information of all parties that benefitted from this transaction, but FORD CREDIT have failed to send the requested documents. They are violating my consumer right to assess and validate this transaction.
Consumer complaint received 2016-07-11
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello. I started my application for a HELOC ( home equity line of credit ) on XXXX/XXXX/16 and provided all necessary documents in a highly timely fashion as soon as requested ( usually in the same day if not within the week at the latest ). The application process dragged on such that I was told verbally that this was going in circles on XXXX/XXXX/16. I was completely misled as I was told by the senior loan officer and bank manager personally that the HELOC would be secured by end of XXXX 2016 at the latest.
Consumer complaint received 2023-03-29
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: CITIBANK, N.A. (MI)

in accordance with the FAIR CREDIT REPORTING ACT ... XXXX ACCOUNT XXXX XXXXXXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end credit plan as late for any reason
Consumer complaint received 2023-03-29
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. (GA)

The following inquires are on Equifax and XXXX XXXX and I did not authorize. I have called the companies and have been redirected to the credit reporting agencies to remove inquires from credit or directed to CFPB to file a complaint. I also contacted Equifax and XXXX and was directed to file a complaint with CFPB. Below are the Inquires with the credit reporting agency. 

Equifax Credit Bureau XXXX XXXX XXXX XX/XX/2022 XXXX - XX/XX/2022 XXXX- XX/XX/2022 XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 Equifax XXXX XXXX XX/XX/20XXXX XXXX XXXX - XX/XX/2022 XXXX XXXX  - XX/XX/2022
Consumer complaint received 2016-07-26
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The questions used to verify my identity had nothing to do with me and therefore could not be answered correctly. Because of this I was unable to verify my identity and therefore could not get a copy of my credit report. I am afraid this is because someone has been tampering with my identity as my drivers license and as card were stolen earlier this year.
Consumer complaint received 2023-03-29
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. (OR)

I filed an identity theft report on XXXX XXXX XXXX account additionally XXXX  and XXXX followed the law and deleted the accounts, This is clearly fraudulent information that Equifax is still reporting so it needs to be removed immediately per the FCRA 15 U.S.C. 1681 and 15 U.S.C. 1681c-2 ( a ). I have attached evidence of Equifax reporting this inaccurate fraudulent information. Furthermore, Equifax and XXXX are reporting XXXX XXXX XXXX inaccurately, and non congruent when XXXX had removed the fraudulent account, this also needs to be reporting accurately per the 15 U.S.C. 1681.
Consumer complaint received 2022-03-20
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: M&T BANK CORPORATION (CT)

Hello, I noticed recently there is a hard inquiry on my credit bureau. I was able to call a company that pulls all three credit bureaus as a service for companies. 

They told me they pulled the bureau for M & T Bank, which is the holder of my mortgage. 

The date of the hard inquiry was XX/XX/2021. 

I called M & T bank three times ; the first number the person said they had retired, the second two calls were to another number which gave me a voice mail which i left. 

Then I called the local M & T branch in XXXX CT and talked to someone. I worked in banking so I know local branches dont really have the answers for these things. The woman I called left me a vm once that she was waiting for someone to get back to her. That was about 3 weeks ago. 

I don't know why I have a hard inquiry and I want it explained or removed. 

Thank you.
Consumer complaint received 2022-02-01
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. (IL)

This should not be on my credit report, this is inaccurate information on my credit report. I would like these accounts removed as soon as possible as it is damaging my credit report. The law clearly states it under 15 U.S.C 1681G Law violation. 


Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit {$3700.00} Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type FHA Mortgage Balance on XX/XX/XXXX Loan Amount - {$180000.00}
Consumer complaint received 2016-04-18
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear CFPB, Since last year I have been actively monitoring my credit report for fraudulent activity and have signed up with XXXX XXXX, XXXX XXXX, and XXXX XXXX. I recently did some loan shopping but only with lenders that guaranteed a " soft pull '' on their website and was confirmed on the phone which guarantees the inquiry is not shared with others and has no effect on your credit score. Recently there have been some hard credit pulls on my file with TransUnion by companies who are subscribers. There is some serious lack of transparency by TransUnion and the agencies who promise and indicate " soft pulls '' and it then shows up as hard inquiry. This is misleading and TransUnion has shared responsibility in letting this happen since they are making money by supplying the information. I 'm fully aware of the regulations and terms of the FCRA federal regulations and a " soft pull '' that suddenly becomes a " hard pull '' without strict authorization does not contain permissible purpose. I do n't care who they are I demand the immediate removal of the hard inquiries. I have been misled and tricked into hard credit inquiries and hold TransUnion responsible. The analysts at TransUnion should develop a method or code which generates a text or email for verification of the hard pull. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Synovus Bank (NJ)

I applied for a First Progress credit card I deposited XXXX dollars but because I thought it didnt go through I did it again when I noticed I sent 2 amounts of XXXX dollars I called immediately to get my XXXX back they said I had to wait until it stopped pending which on XXXX the XXXX it was paid out of my bank I called customer service for my refund they said I needed to send a fax copy of my bank statement showing that the 2 amounts were sent and than they can refund me my money back. I called today and now theyre saying they didnt receive two payments even looking at the statement showing that they did. Im going to get a lawyer now because somebody stole my money and now theyre acting like they never received it. I just looked on the XXXX  website and they have done this in the past to other people.
Consumer complaint received 2022-03-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alpine Credit, Inc (CO)

XXXX XXXX XXXX XXXX XXXX XXXX debt to Alpine Credit in XX/XX/XXXX when they had agreed to resubmit invoice to my insurance company. Turns out their office was closing and it seems that all unpaid bills were automatically submitted even though my was being disputed with insurance company. Debt ( {$460.00} + {$180.00} - same office visit ) was preventative but not approved. 

In XX/XX/XXXX, I completed payment in full. I have repeatedly requested Alpine Credit remove this from my credit report however they refused each time saying it took me too long to pay it therefore will remain on report. 

After repeated requests, XXXX agreed to remove this but only removed the one for {$180.00}. The {$460.00} remains on my credit report as a paid account under collections. 

Now, as I review my XXXX report, it appears that Alpine Credit have submitted this same account ( s ) on XX/XX/XXXX ( {$180.00} ) and on XX/XX/XXXX ( {$460.00} ), well after the debt was already paid in full. 

In reviewing my XXXX report today, it appears that Alpine Credit also submitted this same account ( s ) on XX/XX/XXXX ( {$180.00} ) and on XX/XX/XXXX ( {$460.00} ) after the debt was already paid in full. Here it says Collections Report Date : XX/XX/XXXX. I think that may be when they added it to my report. THIS YEAR! 

I believe this was not on my XXXX or XXXX reports a few months ago but I'm not 100 % certain now. 

How can they continue to report a paid debt? I would love your help please to have these removed.
Consumer complaint received 2020-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I call Transunion, mail letters to transunion and I call XXXX and sent letters. They are not responding. When I call they are very rude.
Consumer complaint received 2022-03-20
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. (DC)

This credit reporting agency continues to report adverse information on my credit report without my consent. I have requested several times from the Credit report agency to remove un-verifiable information from my report. They have not complied to my demands or provided proof that the information was verified. Which is a violation of my consumer rights. I am asking for the help of the CFPB to assist me with this credit reporting agency as they are willfully not complying and violating several Federal consumer laws with no consequence and negating proper compliance investigative procedures when a CFBP complaint is filed by simply closing my complaint by stating we will mail you the results. CFBP stop allowing this credit reporting agency get away with this. There no compliance has caused me great hardship and I need your assistance immediately to ensure they comply and follow federal consumer laws. I request they provide proof of evidence via CFBP immediately!
Consumer complaint received 2022-03-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MS)

The Credit companies are not complying with their own policies in a timely manner. A complaint was mailed on XX/XX/2022 and it's been over 30 days with no resolution.
Consumer complaint received 2021-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX - PAY TO DELETE ARRANGMENT - BUREAU WILL NOT REMOVER PER ATTACHED LETTER. LETTER HAS BEEN NOTARIZED FOR COURT PROCEEDINGS. DISPUTE WAS SENT BY CERTIFIED MAIL.