davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-26
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: IMMEDIATE RECOVERY GROUP, INC (OH)

Hi, My name is XXXX XXXX-XXXX. I have had 3 loans in my past from the Dept of Education. I had a subsidized, and an unsubsidized loan both of which were in my name. They were paid in full in XX/XX/XXXX and I havent heard or got any statements from the collection agency or the Dept of Ed to show proof of payment.Then, my mothers taxes were offset for her XX/XX/XXXX taxes. In effort to find out why, I called the agency which, at the time, was XXXX XXXX. They said the loan was in MY name and had MY birthdate but my MOTHERS social security number. To fix this, I sent my s.s. card and ID along with my mothers. Following, I hadnt heard back, or got a statement or anything so it was my poor choice to think it was out of default and I honestly didnt remember. I got pregnant towards the end of XX/XX/XXXX. So, my mother did her taxes the following year- which by the way, the collection agency wouldnt even speak to her because it was in my name- and her taxes were offset a second time. In fury, I called XXXX XXXX. They said the loan was taken care of and there were no further payments due and I would get a statement in the mail. Again, I received nothing. 

So, here we are, its time for my mom to do her XX/XX/XXXX taxes. Before she filed I called the US Dept. of Education just to be sure. They said to contact Immediate Credit Recovery Inc. because there IS still an open loan which is still under my name. I called them, they said this loan is now up to {$7000.00} and her taxes would be offset again. I was LIVID. I called and filed a complaint with the US Dept of Education and I called Immediate Credit Recovery again. They basically said they can not help me until I send my  information to them to fix the name on the loan. Im a single XXXX year old mother and theres something very unsettling about giving your social over and over to 3rd party agencies.

Then, I received a letter from the US Dept of Ed saying they agreed to settle this loan at the amount of {$5000.00} and no payments are due and the debt is considered paid in full. I couldnt have been happier! She filed her taxes, took that letter, and we thought everything was okay. Her taxes were now offset for the THIRD year in a row. I called the US Dept of Education and they said that letter was pertaining to a loan I paid in full in XX/XX/XXXX ( as mentioned earlier ). WHAT! 

My mother is a single mother as well and works her butt off. In no way is this fair or even legal for that matter and if I could afford a lawyer I would. But we cant catch a break and I desperately need help. Thank you very much for your time.
Consumer complaint received 2023-08-08
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. (NC)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XX/XX/XXXXXXXX # XXXX is reporting a 30 day late to my account in XX/XX/20 that should not be on there. I had made my payment online and thought it went through and I did not realize there had been a system error until I got a late on the account. I would like this late removed, I have had this account for a very long time and have never been late before and this late was not my fault.
Consumer complaint received 2020-02-24
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. (NV)

I recently started montering my credit and I notice accounts on my credit profile that I have never been made aware of until now. My information was compromised due to Equifax 's data breach and I would like these accounts removed from my credit profile
Consumer complaint received 2020-02-24
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. (MO)

My identity has been seriously compromised and abused to say the least. Im demanding that the following accounts be blocked and removed from my credit file immediately, all accounts are fraudulent. I'm also demanding that the credit reporting agencies that's reporting these unauthorized accounts show just cause via The Method Of Verification used to even obtain these unauthorized accounts. And if such information can not be granted then the credit reporting agencies shall remove the following immediately. 

1 ) XXXX XXXX XXXX {$2400.00} 2 ) XXXX XXXX XXXX   {$0.00} 3 ) XXXX/XXXX XXXX {$11000.00} 4 ) XXXX/XXXX XXXX XXXX XXXX {$5700.00} 5 ) XXXX XXXX XXXX XXXX  {$1000.00} 6 ) Missouri Div Child Support {$4.00} And also please remove all fraudulent inquiries and that's all of me
Consumer complaint received 2020-02-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SD)

This problem started due to a problem I had with XXXX XXXX. I retired two years ago, sold my house and live in an XXXX. XXXX XXXX  locked my accounts a few days ago because of the Know Your Customer ( Patriot Act ) laws. When I gave them next of kin address all became well with them. I've since opened an account with another national bank and they are OK with my addresses too. 
But this event scared me, so I decided that I would do business with two banks moving some of my safety net cash to USAA.

So I became a member of USAA. I then created a savings account, applied for a credit card ( which was approved in minutes ) and noticed that their investment products looked good. I decided to rollover my 401k into USAA IRA and purchase a fixed income annuity. 
I had USAA electronically transfer XXXX from my XXXX XXXX  account. At this point I thought all was good. 
A couple days later I found that I had been locked out of my account. 
I called USAA and was told that I was suspected of some fraud and that they would do no business with me. 
The last representative I spoke with told me that she could not tell me what would become of my XXXX deposit. She told me that she could not tell me if I would ever get the money returned. She also said that there was no one else I could talk to and there was nothing else anyone could do about it. 
I have no idea what fraud they think I committed. Some have suggested that I triggered some reporting " thing '' and that the money might have been turned over to the government ( IRS? ). I've read horror stories of this happening to people and people having to give up because they lack the resources to fight it. But my deposit was not cash, it was an electronic transfer triggered by USAA. 
Please believe me, I did nothing illegal. Obviously, I want my money returned. 
What kind of world do we live in when banks can just take our money away?
Consumer complaint received 2020-02-24
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: Experian Information Solutions Inc. (NY)

There is a fraud alert on my account nobody can get any info unless they could call a number I have listed which need to be updated there are 27 inquiries on my credit that experian has given my info to and there are addresses that I never lived at XXXX XXXX XXXX XXXX XXXX IL reported XX/XX/XXXX I have never lived there reported XX/XX/XXXX XXXX XXXX XXXX XXXX NY multi unit do not live there there a several names on my credit XXXX XXXX never used this name XXXX XXXX never used this name XXXX XXXX never used this name XXXX XXXX XXXX never used this name XXXX XXXX XXXX never used this name I have been violated under the fair act law
Consumer complaint received 2020-02-24
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT -- 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (VA)

My work is such that I get a paper paycheck as I am a XXXX  XXXX who works under contracted agency. Thus I get paychecks for different customers. My paycheck a month ago was held for over a week! I was not told or informed at all, that my paycheck would be held that long. I have bills to pay and can not afford to consistently have all my paychecks held al least a week! 

Friday the XXXX of XXXX, my first paycheck with my employer was held for over a week before my own hard earning money was released to me! 

It happened to me again! I was paid on Friday XX/XX/XXXX, and put my check into my account. I called the bank to make certain this would not happened again and the representative with whom I spoke, assured me that my funds would be available the next morning. When I woke the next morning I immediately checked my available balance to only find yet again, a long hold put on my paycheck again! 

My account is overdrawn again with {$35.00} fee attached to each transaction. I simply can not go on having my paychecks held over and over for at least a week, and not being told. I can not live that way, as I am certain no one else can as well! It's simply greedy of TD Bank to do that in order to gain interest on my money!
Consumer complaint received 2023-08-03
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. (MS)

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.

has violated my rights. Or list of inquiries 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 2020-02-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (GA)

I received alerts from XX/XX/XXXX and XXXX that Southwest Credit Systems opened an account and reported to the 3 bureaus fraudulent information. They remarked my credit file stating that an account for 11-XXXX was set up as new account on XX/XX/XXXX. This issue was already disputed back in XXXX and XXXX through certified mail and was removed from my report because of fraud. This debt does not belong to me. This creditor Southwest Credit Systems has opened a new account and added {$1.00} to the previous account reported. The item that was originally removed in XXXX was under XXXX XXXX for {$400.00} and was removed. Southwest Credit Systems is reporting {$400.00} to all three bureaus.
Consumer complaint received 2020-01-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates (MI)

LJ ROSS ASSOCIATES have ruined my credit by falsely adding a collection account that is NOT mine. 

I don't have an account with LJROSS. I have never had a contract or financial obligation towards XXXX XXXX. They are trying to collect money that it NOT owed. 

I need the collection removed from all my 3 Credit Reports. 

Thanks, XXXX
Consumer complaint received 2020-01-15
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: Bread Financial Holdings, Inc. (CA)

On XX/XX/2019 an unknown person used my personal account information to order furniture and other items from XXXX for {$2100.00} and charged the purchase to my XXXX credit card. The charges are as shown on XXXX XXXX # XXXX. Wayfair chard is back by Comenity Bank. 

At no time did I give any person permission to use my XXXX card and did not authorize any of these charges. The address associated with the order is XXXX XXXX XXXX, XXXX, CA XXXX. The phone number listed is XXXX. The phone number or address is not mine. 

In response to the order XXXX sent a confirmation email to my email account which I noticed on XX/XX/XXXX, XXXXThat same day I contacted XXXX by phone to report the fraudulent activity and received an email confirmation of my call. The email further instructed me to contact Comenity Fraud Department which I did. ( see attached Email from XXXX ) Comenity indicated they would investigate the charges. 

Within the next several days I received calls from other merchants with whom I hold credit cards ( XXXX, XXXX, XXXX  ) and in one case a new account someone was attempting to open.The activity suggested fraud and all were all flagged and terminated. 

As a result I contacted all 3 credit reporting agencies, initiated a fraud alert, and initiated a 7 year fraud notification. 

On or about XX/XX/XXXX I began to receive calls from delivery companies about attempts to deliver XXXX products per the order above. I contacted XXXX again and learned that the goods were never cancelled and were still showing on my account. 

I then contacted both the XXXX  and XXXX Police departments, and filed identity theft and fraud reports with XXXX Police Department and and the Federal Trade Commission. ( see attached XXXX report ) XXXX XX/XX/XXXX, I received a letter from Comenity dated XX/XX/XXXX indicating that the bank finds no basis to support the fraud claim and finds me liable. ( see attached omenity Letter ) On XX/XX/XXXX I again contacted Comenity and after 30 minutes was unable to speak with anyone that would address or resolve this matter. 

I did not authorized, condoned, or allowed any person to use my personal information/account/credit card to purchase anything from XXXX/Comenity. 

I ask that CFPB immediately investigate and resolve this matter on my behalf.
Consumer complaint received 2020-01-15
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: WELLS FARGO & COMPANY (GA)

I did not authorize a hard credit pull of my credit. I only authorized a soft pull. Any hard pull of my credit is to be reduced to a soft pull or removed altogether. 

No authorization was given to have a hard pull of my credit file.
Consumer complaint received 2020-01-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

In XX/XX/XXXX, Shellpoint Mortgage Servicing acquired my XXXX XXXX. I had never missed a payment to XXXX or any previous mortgage lenders. Shellpoint simply informed me by email of the acquisition, giving me no mortgage acct number. I tried repeatedly to phone them and was held on hold for 45-65 minutes, then the connection was always dropped. I also tried their website and only received a flashing " Can not Process '' when I attempted to pay XX/XX/XXXX mortgage. I then went online to my bank, XXXX XXXX XXXX and set up a Payment Payee for Shellpoint. The bank requires an account number for setting up a Payee. I had to fabricate one to get past their set-up procedure. I chose XXXX as a pseudo account number since I wasn't successful getting one from Shellpoint. I then paid XX/XX/XXXX mortgage thru my bank and then in XX/XX/XXXX I paid XX/XX/XXXX mortgage. I have banking records showing both payments to Shellpoint acct XXXX. In XXXX, I finally received an acct number by email, XXXX and called and paid the mortgage to that account. Much to my chagrin they informed me that I was in arrears for XX/XX/XXXX. and XX/XX/XXXX. and they had no record of acct XXXX. They would not help me except thru their online complaint processing. I submitted a complaint on XX/XX/XXXX and they have not helped me, implying it is a technical problem on my computer. I have no problems with any of my other more than 25 payees.

They have contacted my credit score companies, XXXX, etc. and my credit score has dropped drastically. This is devastating. I have attached my banking records
Consumer complaint received 2020-01-14
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. (CA)

There is a fraudulent account in my Experian credit report. I filed FTC Identity theft report and police report with XXXX XXXX Police Department regarding XXXX XXXX XXXX account as a fraudulent account and submitted these documents to the XXXX XXXX  and credit reporting agencies. They deleted this account from my credit report, but recently Experian credit reporting agency reinserted XXXX XXXX XXXX account ( acc no : XXXX ) back to my credit report. I contacted with them but they refused to delete fraudulent account.
Consumer complaint received 2020-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CA)

Sirs I have provided these requested information multiple times to Experian and XXXX. I can not access to my credit report since 2010, for over 10 years. All the questions and answers are not related to my SSN but someone else is using it. I get same reply year after year from Experian and XXXX that I can not provide any information to them online and by mail I get nowhere. I always repeatedly get same old answer ... 

What else can I do? 

XXXX XXXX. 

Please provide the following : One copy of a government issued identification card, such as a drivers license or state ID card, etc. displaying your current address, and One copy of a current utility bill, bank or insurance statement, etc. Please also include the following identification information : Your full name including middle initial ( and generation - JR, SR, II, III ) Social Security number Date of birth Complete addresses for the past two years Make sure that each copy is legible and displays your name and current mailing address and the date of issue.
Consumer complaint received 2020-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have my credit frozen with Transunion, XXXX, & XXXX  to protect myself against identity theft because my info was breached in the XXXX   breach and the fed government info breach several years ago. I went to thaw my credit with all 3 credit bureaus via their respective websites and only XXXX  asked me for the unique PIN to thaw my credit. Both XXXX  & Transunion did not ask me for my PIN and did not ask me any out of wallet questions beyond my SSN, address, & DOB before letting me thaw my credit with their bureau. This is distressing to me because any of that info would have been included in their data breaches and the PIN is supposed to protect me even though my other personal info is out there. I asked XXXX  about why I wasn't asked for my PIN and they said it is company policy to no longer require the PIN to thaw consumer credit reports.