davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

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 any item 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 is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$7100.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX ACCT XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-12-03
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. (IL)

Complaint against XXXX XXXX violating FDCP as well Violating FCRA. As of XX/XX/XXXX Disputes started with Major CRAs. All letters sent out have been. Notarized and certified via usps mail. On XX/XX/XXXX disputes sent directly to XXXX XXXX started. I have provided endless forms of proof to both bureaus and Credit card company this is an inaccurate unverified account and is in violation of FCRA AND FDPA. Yet no entity involved has ran an independent investigation in which I am entitled under the law yet instead traded unverified info amongst electronic system such as eoscar ( CRAs ). XXXX XXXX 1 out of 3 letters returned to sender due to inaccurate address reporting on 1 of the bureaus. Each bureau showing different reported info. XXXX XXXX  response to my dispute request was a request for validation because they could not locate account which letter and names dates all attached to this complaint. I cant verify account with XXXX XXXX yet they refuse to stop reporting this unverified info as CRAs do the same continue to report Unverified info. Contact made yesterday To XXXX XXXX to make final attempt to resolve before filing a complaint today was unsuccessful in removal of inaccurate unverified info, yet a productive call. On a recorded line as XXXX XXXX States XXXX who is a Supervisor id XXXX was able to confirm her company could not verify locate any specific information about this credit card account in question in her system. Yet every bureau is verifying how when this is what I was able to find. It was a 58 minute phone call on XX/XX/XXXX. I have attached all documents supporting my statements in this complaint. I have copies of all sign notarized certified disputes sent out.
Consumer complaint received 2021-06-08
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

The business banking checking account that I had opened with HSBC Bank in XXXX was closed without any notice from the bank in XX/XX/XXXX. 

I had received a letter from the bank dated XX/XX/XXXX stating that the bank was asking for information about all business banking accounts to help curb financial crime. The letter mentioned that I needed to respond by XX/XX/XXXX. I called the bank XX/XX/XXXX and answered their questions over the phone. I spoke with a woman named XXXX at XXXX, ext. XXXX. She asked about documentation that had been originally submitted when the account was opened in XXXX. I told her I was not sure if I still had it, but that the bank must have it because they opened the account. The call concluded with an assurance that I would be contacted if further information was required, or the documents could not be located. 

I did not hear from the bank again until they closed the account. A letter was sent via XXXX which I received on XX/XX/XXXX, stating that the account had been closed and a check for the money on deposit was included. I called the bank and spoke with a branch representative assigned to my account, XXXX XXXX XXXX, XXXX. He told me that the account could not be reinstated. He also told me that HSBC was in the process of selling its retail branches to XXXXXXXX XXXX. 

This was very unsettling as I was suddenly unable to pay my XXXX XXXX business card from the business banking account and now, I must immediately find another bank to provide business checking services. If the bank had clearly communicated to me that they were not going to keep the account open without the documents that were given to them when the account was originally opened in XXXX, I would have had time to plan and prepare for the account closing.
Consumer complaint received 2021-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Thaxton Investment Corporation (GA)

Covington Credit is reporting a charge off account on my credit reports with a balance of {$720.00}. Note, charge off. Covington Credit charged off the account and sent /sold the account to another company, XXXX XXXX XXXX XXXX who is sending me letters for the same account and same balance {$720.00}. This company started sending letters in XX/XX/2021 so Covington Credit has had plenty of time to correct this on my credit report, but they have not. See the attached documents. Covington Credit is in violation of the Fair Credit Reporting Act. They can NOT report an account with a balance that has been charged off and sent/sold to another company. I have disputed this account multiple times and it is STILL on my credit reports with this balance. Again, see the attached documents showing the account with the balance on my credit report by Covington Credit and also the collection letter from XXXX XXXX.
Consumer complaint received 2022-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX - Account Number : XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-25
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: Resurgent Capital Services L.P. (NY)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2022-10-20
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Names : All Accounts Associated with XXXX # XXXX have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

Today XXXX/XXXX/2021 i called Experian and i spoke with XXXX at approximately XXXX, i explained to her that i disputed a PXXXX XXXX XXXX account that randomly appeared in my credit file and i never done business or wish to do business with that company, i then told XXXX that i received a notification ON XXXX/XXXX/2021 that states " This item has been removed from your credit report ( XXXX XXXX XXXX  XXXX and it gave me a report number, after i gAve her the report number, she tells me that she doesn't know what happened and told me i need to file a police report and identity theft report. I ask why do i need to file a police report or identity report, if Experian mixed my file with someone elses. she told me i can wait 30 days to see what will happen. 

i mentioned that i would like to dispute an address, because its not mine she refused telling me i need to file a police report I also called about XXXX account, which i disputed and there is no indication or notation that its being investigated with Experian, i asked her can i just dispute it again, she became rude and nasty. telling me i need to file a police report and identity theft report.
Consumer complaint received 2022-10-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Frontline Asset Strategies, LLC (MI)

Frontline Assets Strategies LLC and XXXX XXXX are demanding a Police Report for their mistake in issuing credit to someone pretending to be me. 

This is a waste of the Police time and my time. XXXX XXXX should be fined for this abuse of debt collection. 

XXXX XXXX clearly does not know how to verify simple ID checks for potential new clients. They need to improve their systems and training. I think the US Gov't should fine them and turn all money over to local police departments.
Consumer complaint received 2022-01-05
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: U.S. BANCORP (CA)

This is XXXX XXXX, who is submitting this CFPB complaint myself. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

( US BK XXXX XXXX )
Consumer complaint received 2021-06-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (LA)

I was going over my credit file and saw multiple hard inquiries on my account. None of these inquiries were authorized by me. There are numerous inquiries that Ive never heard of please have these unauthorized inquiries removed. XXXX XXXX XXXX XXXX Equifax Mortgage XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax mortgage XXXX XXXX
Consumer complaint received 2022-10-12
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. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-07-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (FL)

I received numerous amount of letters started XX/XX/2021 about a medical bill saying that Ive visited their department or a 3rd party department owing ( {$2100.00} ) which is incorrect, I havent been to a hospital in over 10 years I have my once a year check up with my doctor which is covered by my 15 years of medical health insurance. I contacted the collectors asking if they could validate the information because I dont have any idea how this could have happened. I have also asked the collector to show me documents of the initial visit or whatever information they having claiming was me, I sent a few letters to the collector throughout the months as well as one to the credit bureaus, As results was not received in a timely manner i received a notification about 50 days later from the credit bureaus that my file had been update only to find out it stated all information was correct, That is definitely false information because it was not me, I received not one letter in the mail about an investigation or about information being validated, I dont know who they think they are but I would know if Ive ran up a bill Im a responsible adult not a child I always pay my bills, I received no letter or response back from them personal showing me that I initiated the response. Its been months since I last reached out to them, I had a lawyer advised me to file a complaint with you guys to get to the bottom of this.. Thank you for taking the time to read this!
Consumer complaint received 2020-06-05
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: JPMORGAN CHASE & CO. (NV)

I received a copy of my credit report with XXXX. I sent them written proof that the following creditors did not report " dispute in progress '' on my credit report during the time of dispute. The creditors were Chase Auto Finance, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. I sent them certified letters multiple times with the before and after credit reports. I also sent written proof about XXXX XXXX having a non deliverable address which is a violation of the FCRA. None of these above mentioned accounts have reported accurate information. XXXX notified me that they would not investigate further and provided no written documentation. Because of that all of these inaccurate accounts should be deleted
Consumer complaint received 2018-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (FL)

Hi. I received a statement from the PayPal Credit showing a charge for {$670.00} plus {$38.00} fees, plus {$11.00} interest. It looks like it was a single purchase which I did not make because I do not have PayPal account and card. I have called customer service and told the representative that I did not do it because I had no PayPal account and credit card. I asked her when was the account opened she told me last year. It looks like the account was opened by someone else, a fraudster, or this is a fraudulent charge by PayPal because the statement is not clear to me ... I have received again the statement and I am very much upset about. 

I have no intention of paying the bill. I am a senior citizen and I am not the one who would do anything to myself to have unnecessary problems ... 
I hope that you will be able to help me out with this issue and I will be very grateful.
Consumer complaint received 2021-04-21
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Westlake Services, LLC (TX)

I was coming back from my first duty station in XXXX and I was looking forward to buy a truck. Long Story short I got a load with SNAAC and I didn't know the XXXX have a Law called the SCRA which protect military from paying to high of an interest rate. I already paid my car off but I wanted to know if i could get some of the money back to me. My APR was 28 percent. Being young and dumb I didn't know that was high. My brother and wife told me about this a few days ago. I have been in the XXXX now for eight years and I just paid that truck off last year.
Consumer complaint received 2020-07-08
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have disputed this account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX Assets with all three credit bureaus providing documents showing that the account has been paid in full. They have refused to update my credit report with no late payment as well as account being paid in full. I have also filed a complaint with Texas Attorney General 's office against creditor. Please see attached documents.
Consumer complaint received 2022-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NJ)

Citibank fraudulently debited my account and additional {$2000.00} on XX/XX/XXXX and even when I notified then about it and they admitted that it was their mistake, they flat out refused to do anything about it. 
Citibank put my account in on " Overdrawn '' status because of its own fraudulent debits and denied me access to my own funds for 2 days. 
I use this account as my primary account and losing access to my hard earned money for 2 days caused me lot of hardship. 
Since they put my account in " Overdrawn '' status for 2 days, my XXXX request for pulling money from an external bank ACH 's service were also rejected. I was charged 2 {$35.00} fees for that and Citibank is refusing to do anything about it. 
I lost at least 5 hours trying to reason with their XXXX XXXX  CSR agents who habitually XXXX to customers. 

If all that wasn't bad enough, their customer service is even worse. There is no way to put it, but they are all donkeys, no offense to donkeys. These are some of the XXXX  excuses I was provided - They tried to blame me for their own account mistake, even though debits showed the same id ( XXXX ), they kept blaming me by saying that I initiated 2 transactions. 
- Some were so XXXX that they couldn't even recognize the transaction id as initiated from Citibank itself. Asked me to contact the recipient bank which had nothing to do with Citibank 's stupidity. 
- If you ask for a supervisor, they just hang up on you - Some agents feel it is ok to chat and giggle with their co-workers while they are on call with a client - The worst part, when you ask for some one higher up, they flat out XXXX to you. The excuse is always the same that their manager is in a meeting an they will call me back, Of course, no one ever calls back. 
- They flat out refuse to correct the mistake even after they admit it after hours of arguing. 
- When asked what should a customer do when a XXXX bank like Citibank fraudulently overdraws a customers account, the answer is try borrowing money from a friend. 

To the person who is responding to this, I have proof of everything that I said included the phone calls. So you better not lie like everyone at Citibank habitually does. 
I have attached proof that even on the 2nd day, after spending 5 hours on the phone with these XXXX XXXXs, they hadn't rectified the issue. 

CFPB, will you please also refer this case to DoJ so that they can take appropriate action against the XXXX XXXX who run this bank. The only reason this scam of a bank survived was because of clients and tax payers like that.