davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (IN)

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXXXXXX XXXX Date of Inquiry XX/XX/2023XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX XXXX  Date of Inquiry XX/XX/202XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/2023XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date XXXX XXXX XX/XX/2023, XXXX XXXX Date of XXXX XX/XX/2023, XXXXXXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023XXXX XXXX  Date of Inquiry XX/XX/2023 & XXXX XXXXXXXX XXXX  Date XXXX XXXX XX/XX/2023.
Consumer complaint received 2023-06-25
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: PREFERRED CREDIT INC (TX)

Preferred Credit Account Number XXXX Not only is this account not mine. I have absolutely no acknowledgement of this account. I have also provided you with my identity theft case number. This account is also being re-aged. I've disputed this account with the company and a letter was sent to me which I have provided. At the bottom is a signature ( not mine ) but states the customer may cancel without penalty or obligation if returned within XXXX business days which it was returned apparently within that time period. Not only should this account NOT be on my credit file due to credit theft but since it was returned in the appropriate time frame, there should not be any obligation PERIOD. This account has also been removed from XXXX and XXXX due to the company 's inaccuracies, yet XXXX has failed to do so even after providing proof And the company is refusing to remove it. Please delete it from my file.
Consumer complaint received 2023-06-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (PA)

In XXXX, XXXX  I applied for a Mortgage to purchase a new home. Upon receiving a copy of my Credit Report, I noticed that I was being listed in Collections from a company named Convergent Outsourcing, from a XXXX account. I contacted Convergent Outsourcing and informed them that I had NO KNOWLEDGE of this outstanding debt with XXXX or Convergent Outsourcing. For I had never opened an account with XXXX XXXX XXXX. In XXXX of XXXX  I sent Convergent Outsourcing a DEBT VALIDATION REQUEST via Certified Mail. This Request pursuant to The Fair Debt Collection Practices Act, 15 U.S.C. 1692g. Stating that I am disputing this claim and Validation is required. This request allows a company 30 days to respond. They have not responded to date. Forty Seven ( 47 ) days later ( See Enclosed ) Since XX/XX/XXXX, I have done everything humanly possible to get this company to remove this Fraudulent Account from my credit file. I have called them numerous time. and getting through is a task within itself. Minimum wait 45/50 minutes. ( See Enclosed Screenshots ) I have filed a complaint with Identity Theft.Gov. 
I have Filed A Police Report ( See Enclosed ) This Fraudulent account on my credit file has caused me nothing but grief. I am being penalized for a debt that I did not incur.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Selene Holdings LLC (FL)

I noted a real estate loan on my credit report which I did not recognize. I contacted the company and they claimed somebody was making payments for almost a year. I asked them to look into who is making these payments and who open the account since it was not me. They have not gotten back to me
Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Complaint Regarding Unrecognized Account and Identity Theft To Whom It May Concern, I am filing this complaint with the Consumer Financial Protection Bureau to report a concerning issue on my credit report related to unrecognized account. Additionally, I have reason to believe that these account may be the result of identity theft. I have attached the supporting document outlining my identity theft claim for your reference. 

The unauthorized account listed on my credit report, which I believe to be a consequence of identity theft, are as follows : XXXX XXXX  XXXX XX/XX/2022 I have taken immediate action by reporting the identity theft to the relevant authorities. However, it is alarming to find these unauthorized ACCOUNT on my credit report, as they suggest potential fraudulent activity that may adversely affect my financial well-being.

I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into these unrecognized account. I urge you to consider the impact of these account on my creditworthiness and overall financial standing. I trust that the CFPB will exercise its authority to ensure that my consumer rights are protected under the Fair Credit Reporting Act ( FCRA ) and take appropriate measures to rectify this matter promptly. 

I kindly request that you provide a written response acknowledging receipt of this complaint and detailing the steps that will be taken to investigate and resolve the issue. I kindly ask to be kept informed of the progress and outcomes of the investigation within a reasonable timeframe. 

Thank you for your attention to this matter and for your assistance in resolving this issue. I trust that the Consumer Financial Protection Bureau will act diligently and with utmost care to address this complaint.
Consumer complaint received 2023-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have already written XXXX letters and haven't gotten a response I've disputed with the reporting agency numerous of times and still haven't gotten any results.My rights are being violated under Fair Credit Reporting Act law USC s1681 ( a ) ( 2 ) ( i ) ( iii ) USC s1681 ( a ) Section 609a ) 1 ) A ) Section 611 ( a ) 1 ( A ) Section 611 ( 5 ) ( A ) you are required to promptly delete all unverified information by law.
Consumer complaint received 2023-06-25
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: TD BANK US HOLDING COMPANY (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La.XXXX XX/XX/2023 TD Auto Finance XXXX XXXX XXXX XXXX XXXX, MI XXXX Subject : Dispute and Request for Removal of Inaccurate Information from Credit Report Dear Sir/Madam , I am writing to dispute the inaccurate information that TD Auto Finance Company has reported on my credit report. I believe that TD Auto Finance is violating my rights under the Fair Credit Reporting Act ( FCRA ), the 4th Amendment, the Gramm-Leach-Bliley Act ( GLBA ), and other applicable laws. I demand the immediate removal of TD Auto Finance from my credit report. 
As a consumer, I have the right to privacy and protection of my personal information under 15 U.S.C 1681 section 602 ( A ). Additionally, 15 U.S.C 1681 section 604 ( A ) ( 2 ) clearly states that a consumer reporting agency can not furnish an account without my written instructions. TD Auto Finance has failed to adhere to these provisions. 
Furthermore, 15 U.S.C 1681c ( a ) ( 5 ) explicitly prohibits any consumer reporting agency from including adverse information, except for records of convictions of crimes that predate the report by more than seven years. The information reported by TD Auto Finance is not only inaccurate but also violates this specific provision. 
According to 15 U.S.C. 1681s-2 ( A ) ( 1 ), TD Auto Finance is obligated not to furnish any information relating to a consumer if it knows or has reasonable cause to believe that the information is inaccurate. In accordance with the Fair Credit Reporting Act, I demand that TD Auto Finance correct its records and cease reporting inaccurate information to any consumer reporting agency. 
The account in question has been paid in full, and it is unjust and damaging to my creditworthiness to have this inaccurate information on my credit report. This not only affects my financial standing but also violates my rights under the GLBA, the Electronic Communications Privacy Act ( ECPA ), and the FCRA. 
I am aware of my rights as a consumer and the laws that protect me. Failure to comply with my request to remove TD Auto Finance from my credit report will leave me no choice but to pursue legal action to ensure my rights are upheld. I am prepared to take all necessary steps to mitigate the damage caused by this violation. 
I expect a prompt response to this dispute and request for removal of inaccurate information. Please confirm in writing that TD Auto Finance has initiated the necessary actions to correct this matter within 30 days of receiving this letter. Failure to do so will leave me with no alternative but to escalate this matter and seek legal remedies. 
Thank you for your immediate attention to this serious matter. I trust that you will handle this dispute in a timely and appropriate manner. Please consider this letter as notice of my intent to exercise all rights and remedies available to me under the law. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-06-25
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: Trident Asset Management, L.L.C. (TX)

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuit 15 USC 1681b 2 company has also no permission to report anything using my info pursuant to 15usc 1681 4
Consumer complaint received 2023-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC. (IL)

On XX/XX/23, I visited Ally to make a bill payment using their automated check-writing service. The website showed the bill pay service was suspended on my account. As background, I have an pending yet unrelated dispute with another company who used an expired and terminated autopay agreement to withdraw funds from my Ally account via XXXX. XXXX transactions are not related to Ally 's check-mailing bill-payment service. 

I called Ally to find out why my bill payment service was suspended and to restore it. After dealing with with an hour of holding punctuated by rude conduct from a supervisor who identified herself as XXXX XXXX, employee # XXXX, I was told that outside of revoking this pending dispute, there was nothing I could do to restore the bill pay service.
Consumer complaint received 2019-03-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MS)

In 2008 I applied for college with XXXX University, XXXX XXXX and was told that my classes would be {$810.00} per class. XXXX University took double that amount out of my loan and I have disputed these charges with the college and with Navient but can not get any relief from either company. Navient keeps putting my account in forbearance running the cost of the loan up even higher. Somehow the company took out 2 separate loans out under my name and no one can explain to me how that occurred. I am requesting some type of help with this matter.
Consumer complaint received 2023-06-27
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: BARCLAYS BANK DELAWARE (LA)

I was notified that there was Barclays Bank of Delaware hard inquiry on my credit report on XX/XX/2022. I did not apply for anything involving Barclays. I reached out to there Executive office 7 times in total. I got a scurity link that dis not work but they did not respond to this issue. I reached out again and finally got a phone call from executive team member almost 7 weeks ago. I went through a battery of questions. It was confirmed by this woman that the application waa in fact fraudulant. The information did not even match mine. I was than told the inquiry was being removed however the credit bureau 's as of today have not gotten this information yet and I just confirm this by contacting them again! Why hasnt this infomation which has injured my credit still not been removed? It is almost a year now. 
I want this removed or plan to sue.
Consumer complaint received 2023-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (CA)

In XXXX of XXXX, on my phone 's Chase business app, clicked on a promotional offer for a XXXX Credit Card. After filling out the information requested, there was a message on my phone letting me know that I might have to unfreeze my credit for them to check. Following Monday called back an XXXX number to let them know I unfroze my credit for a few days per they request. My Business ( Chk : XXXX ) relationship with Chase is more than XXXX XXXX XXXX, with checking and savings, never even a minor problem, always excessively funded and they advertised the fact to issue a credit card especially for someone like me who has history and good relationship as super easy and fast! 
After about XXXX weeks of the original application, called back to check, I asked why is taking so long? Was told that is Not approved, When I asked Why? They had No clue, was told will receive a letter in mail. NOTHING HAVE RECEIVED IN MAIL. Called back many times, they say different stuff, By the way my credit score is close to XXXX, and I made a trip in which I could use a XXXX card and of course with other purchases! Have requested at least XXXX times a letter for the denial No letter ever came! It seems, they Do Not Want to send this letter!
Consumer complaint received 2023-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On or about XXXX of XXXX, I contacted XXXX XXXX XXXX and asked them if they offer services to my home air conditioning/heating system and they said 'yes '. Specifically, I asked them if they would pay for freon for my air conditioning system if it needed it. They said 'yes '. So I started paying them {$75.00} a month for the next 6 months. On or about XXXX, XXXX, I called XXXX XXXX XXXX again and requested a free home inspection which is one of their offers for opening the account. At that time, I again asked them if they cover the freon if it became necessary, only this time they said 'no '. At that point, I asked them to immediately close the account and asked for a full refund of the monthly payments to date. They refused, and then I was hung up on. I subsequently disputed the charges with Capital One Bank, the issuer of the credit card that I had used for these monthly transactions, to protect my rights and receive the refunds. At first Capital One issued the refunds, however the next month, they recharged my account of the charges. I feel that I have been defrauded with incorrect information from XXXX XXXX XXXX and now Capital One is not protecting my rights. What's more, to date I have not received ANY services from XXXX, despite my monthly payments to them. So they expect me to pay for services that I never received along with accepting their fraudulent information. I am asking the Consumer Finance Bureau to protect my rights and secure the refunds. Thank you.
Consumer complaint received 2023-06-25
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

While checking into the national multistate licensing system, I noticed Portfolio Recovery Associates is not licensed to collect in the XXXX XXXX XXXX  and I have several that they are trying to collect on which is a violation. This needs to immediately ceased and deleted from all credit reports. 

Acct number : XXXX ( XXXX XXXX  ) Acct number : XXXX ( XXXX XXXXXXXX XXXX XXXXXXXX XXXX. ) After deletion I need an updated credit report.
Consumer complaint received 2019-08-05
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: EQUIFAX, INC. (FL)

Everything about me and my late husband identity has been stolen I am afraid of what is going on with my friend I think hes doing something to me and I am looking for help I cant provide my identity and I think there's something wrong about this whole incident my name is XXXX XXXX PLEASE BE Aware that someone is using my identity as well as my email address
Consumer complaint received 2023-06-27
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. (CA)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-06-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (IL)

Please investigate Coinbase. They have told me i cant get access to my personal account and withdraw cash for 1 MONTH as part of their customer support and security policy. 

This involves interactions with Coinbase Customer Support phone and email services from XX/XX/XXXX - XX/XX/XXXX. I have been locked out of my account. I have provided the information requested to validate my account multiple times which is the last XXXX digits of my social, a photo of my drivers license, and a photo of my self to match to my drivers license both online and while on the phone with a Coinbase agent. In my first interaction the agent told me it was approved and to look out for an email telling me how to regain access to my account ( i found it odd they couldnt unlock the account - or give me access after resolving the issue with me on the phone as other FS companies do ). None-the-less, I went through the steps they suggested in the email, and it locked me out again. The last agent i spoke with on XX/XX/XXXX told me that i had been locked out of my account for security reasons and they would not be able to review my account for XXXX month. Given this is an account with my cash as well as securities that change value day to day, and I want to get cash out, this is not acceptable. There is no credible financial services institution in the world that would tell a customer they cant get access to their account for 1 month due to security protocols, or have it as a part of the customer service policy. My concern is that they are defrauding customers, and that my $ arent really in my account at this point. Please investigate Coinbase.
Consumer complaint received 2023-06-25
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. (MT)

I have almost 95 % of all information showing on all the reporting agencies and fico is incorrect or even someone else. From ss # to account I've never had to thief of identity. I was very well off up to 2010 approximately you can see I had an average score of XXXX then identity theft and lack of capability to correct these errors had completely changed and destroyed everything I ever works for and my patriotic trust in our great nation. I was forced to stop working, due to XXXX overcoming my abilities to work I am fully XXXX for life. Now understanding me personally, my XXXX makes it unachievable to pay attention to details XXXX drive, focus, remember or fix issues such as this. I struggle remembering my own name from day to day, my license was taking for life, I went from earning {$22000.00} per month to receiving full benefits at {$2100.00} per month not a la to work XXXX drive, socialize, or continue life normally. Fix my identity theft please. I paid my home off 3 times over {$500000.00} per time in Montana here, owning a XXXX XXXX XXXX XXXX XXXX XXXX and running a very successful marketing company from XXXX employees to over XXXX employees at time of sell by owner. Then as I am no longer employable and identity theft of all life services and financial has overcome my every means I now have a XXXX XXXX under XXXX, I can't reverse things due to stress and my XXXX XXXX, XXXX doesn't help in these areas in the united states, and I need your help, attention and commitment to restore my credit, life, and last few years of dignity. Thanks XXXX XXXX.