davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-28
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}, {$26000.00}, {$26000.00}, {$9400.00}, {$2400.00}, {$17000.00}, {$16000.00}, {$0.00}, {$200.00}, {$8300.00}. 
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. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$26000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$26000.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9400.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account. 


-- AUTO ACCOUNT 7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 


-- REAL ESTATE LAON 8. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 9. AMSHER COLLECTION SERV with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$200.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account.
Consumer complaint received 2020-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NY)

During the Covid-19 pandemic, Discover not only didn't try to help its customer but they chose to close my account due to inactivity. There was no advance warning at all. After contacting the customer service, they would not reopen this account. This is totally unacceptable and it does show this company doesn't care about its customers.
Consumer complaint received 2020-06-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (IN)

My name is XXXX XXXX, It was sometime last year because I was XXXX at the time and a my account was locked because of fraud and I called chase and they told me to go in to a location so I went in and they told me a check was put into my account but they luckily caught it before the money was taken out and they told me where the check was deposited but I was no where near where the check was put in and I called chase as soon as I saw the account locked and they let me open another account but closed it in less than a week and now I cant open a bank account for college with any bank really because it says I was put on XXXX
Consumer complaint received 2015-12-31
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

Firstly, I 've been switched around from one mortgage company to another without any notification. That being said, I was with XXXX bank for about 7 years with an interest only loan when they switched me to Bay View Loan Servicing. While in the process of obtaining a modification, which I 'm told I must be at least 2 months late to qualify, I kept receiving calls and letters for payment for which I informed them that I was in the process of a modification by your own bank, so please stop sending letters and phone calls. This has continued for over 5 months now ; have been approved for the loan modification, for which I have made two payment already. They continue. It 's clearly a case of the left not knowing what the right is doing. One end of the bank is collecting while the other is setting up a new loan. Do n't they communicate? This situation is prevalent throughout the financial world. I can blame technology and particularly automation on this problem. Instead of becoming more productive, we are becoming less with thousands of similar problems because people are getting lazy as a result. No one looks into matter anymore thinking automation will take care of it On top of that I have a home equity line which was not considered. In addition, they are providing this information to the XXXX credit reporting companies that I am late every month on my payments, thus really ruining my credit, with no information relating to the fact that its a loan modification.
Consumer complaint received 2016-01-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (NC)

I became behind on my last months mortgage which was due XX/XX/XXXX. A XXXX unidentified call kept showing up on my phone - It turned out to be my mortgage company Suntrust - I talked to them and told them I had previously requested a HAMP package from their XXXX office - they stated they had to ask me to pay the amount of last months payment asap and that they would call EVERY DAY until they were told by the HAMP office that they did not need to or until I paid it. They have called every day sometimes more than once a day since. I consider this harrassment. I have already sent my paperwork for the HAMP into the Suntrust office via mail. Please help me stop this.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

Urgent Request for Removal of Fraudulent Accounts Dear Experian Team, I am writing to inform you of fraudulent accounts that have been reported under my name and social security number, which I did not authorize. These accounts were created without my consent, and I am requesting their immediate removal from my credit report.

**Fraudulent Accounts : ** XXXX. [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As a consumer, I am protected under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ), which mandates that financial institutions and credit reporting agencies safeguard my personal information and ensure that it is not misused or disclosed without proper authorization. The presence of these fraudulent accounts on my credit report is a direct violation of these protections.

I demand that Experian : 1. **Remove the fraudulent accounts immediately. ** 2. **Cease the sharing of my personal information related to these accounts. ** 3. **Provide me with a copy of my updated credit report reflecting the removal of these accounts. ** Attached to this letter, you will find relevant documentation supporting my claim, including a Federal Trade Commission ( FTC ) Identity Theft Report, and any other necessary forms.

I also request that you investigate how these accounts were added to my credit file and take the necessary steps to prevent any further unauthorized use of my information.

In accordance with the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 6802, I expect a prompt investigation and resolution of this matter. Please confirm in writing that these accounts have been removed and provide a detailed explanation of the actions taken.

Thank you for your immediate attention to this urgent matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-06-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (PA)

Ally Invest refuses to give me my money back from my investment account. I have had funds in an Ally account since XXXX first and have never been able to invest as I wanted as there has always been an unspecified restriction on my account. Customer service reps claim to be unable to see the restriction on their end, so they have no idea what it's about. Since then I've tried to transfer some of my money back into my personal bank account to pay bills, but Ally continually fails to lift the alleged restriction. I'm told by four different reps that four different departments have worked on my problem -- including the IT department which inexplicably closes at the end of the trading day -- all of whom promise to have the issue resolved by end of day, but to no avail. My account was even completely barred from access all weekend this past weekend, so I could not so much as view it. 

Today I asked to close my account, but I'm not allowed to speak to someone in the department in charge of account closures. I'm told I can do it myself online once the original restrictions are lifted from my account ... at the end of the business day. At this point, I want all of my money back and my account closed. 

Finally, it is interesting to note that complaints about Ally Invest have spiked during the virus, according to the XXXX.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

I am writing to report an unauthorized account on my credit report, indicating potential identity theft. I have filed a police report and taken steps to protect myself. I have also attached copies of relevant documents, including my credit report highlighting the fraudulent account, as well as any other supporting evidence.
Consumer complaint received 2020-06-29
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

SPS/Select Portfolio servicing is changing their address in reporting to XXXX this fraud ; ent accccount. SPS/Select Portfolio Servicing is providing false account updates to show the account being paid down and reporting it as an update to XXXX. SPS/Select Portfoio is providing and false information of having corresponding with me in their reporting of this FRAUDULENT ACCOUNT and having it updated each time I dispute it with XXXX. It was showing as current by XXXX   based on their false reporting of information they supposedly recieved from me. 
Then in a week or less after each dispute I make to XXXX I receive an update from XXXX that the the fraudulent account is now late and the reporting address hanges from a po box to a physical address in Utah. I asked SPS/Slect Portfolio to CEASE AND DESIST under the FCRA/FCDPA. SPS/Select Portfoilio continues to report a fraudulent account in my name. 
I contacted SPS/Select Portfolio Servicing as they had accessed my credit file and reported to XXXX, XXXX, and XXXX an account established in my name fraudulently. I contacted SPS/Select Portfolio Servicing on XX/XX/XXXX, and XX/XX/XXXX disputing the account to SPS/Select Portfolio Servicing and providing them with two separate police reports of identity theft naming SPS/Select Portfolio Servicing. I then notified Select Portfolio Servicing to CEASE AND DESIST under the FCRA on XX/XX/XXXX ; XX/XX/XXXX, and XX/XX/XXXX. I AM THE VICTIM OF FRAUD. 

On XX/XX/XXXX ; I mailed another letter of dispute with a CEASE AND DESIST to SPS/Select Portfolio servicing via CERTIFIED MAIL to their Utah and XXXX Florida office.
Consumer complaint received 2016-09-28
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Account Control Technology, Inc. (CA)

Accounts Control Technologies with phone number XXXX called my employer today XX/XX/XXXX. My employer in turn relayed message for me to call back company. Unfamiliar with the company and its products and services, I XXXX them up and discovered they are debt collectors. I have no business relationship with them, and I do not know what and for whom they are collecting for. They have not sent me any written communication to allow me the chance to dispute. Them talking to my employer I feel is harassment and defamation. Is this a violation of consumer protection law?
Consumer complaint received 2015-05-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (FL)

I have disputed several incorrect and inaccurate items on my Experian credit report. Unlike XXXX and XXXX, who both performed proper investigations and ultimately removed the accounts from my reports, Experian never performed a legitimate investigation. I received a letter from them dated XXXX XXXX, 2015 that they previously processed my disputes and that the credit grantor has verified its accuracy. This is impossible because the other XXXX credit reporting agencies were unable to verify it, thus deleting the bad information. Furthermore, Experian refuses to reinvestigate the same dispute. This is absolutely ridiculous. So instead of submitting electronic disputes, I sent dispute letters in the mail. I received another letter dated XXXX XXXX, 2015 saying that Experian believes they received suspicious requests in the mail regarding my personal credit report and determined it was not sent by me. How can they possibly determine this when the return name and address on the letters belong to me, and I personally signed each letter and included my social security number. They simply refused to comply to my dispute requests and delete inaccurate information they are displaying from the following creditors : XXXX XXXX, XXXX XXXX XXXX and XXXX Bank. Moreover, they have restarted the 7 year time clock for which these tradelines naturally drop off of my credit report which is yet another violations of the FCRA. I am utterly disgusted with Experian and request a full investigation of their practices along with my ignored disputes.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Partners Financial Services Inc (SC)

Partners Financial Services reporting on my XXXX report after contacting them that I never received a bill. I wasnt told this would go on my credit report by PFS or the original creditor. 

I never used the gym due to health issue. The gym was notified of health issue in writing. Partners Financial still reported to XXXX when in fact I dont owe them due to XXXX  reasons. I was told this would not go on my credit and they would delete. 

I will be filing a lawsuit against partners financial services for reporting inaccurate information and ignoring my demands to remove from my XXXX credit reports.
Consumer complaint received 2020-06-28
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. (OH)

This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.
Consumer complaint received 2020-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CO)

EXPERIAN HAS SUPPLIED INCORRECT DISPUTE ADDRESS XXXX XXXX  XXXX. I WAS INFORMED BY USPS THAT EXPERIAN HAS BEEN NOTIFIED BY USPS THAT XXXX XXXX XXXX IS INCORRECT AND THEY STILL HAVE NOT REMOVED THE INCORRECT ADDRESS FROM THEIR WEBSITE. THIS HAS AFFECTED COUNTLESS CONSUMERS. THIS IS INTERFERING WITH CONSUMERS RIGHTS AND FAILURE TO ALLOW CONSUMERS TO PROPERLY ADDRESS ERRORS AND INACCURATE INFORMATION IN ACCORDANCE WITH FCRA. Experian XXXX. XXXX XXXX XXXX, TX XXXX. THEY ARE PURPOSELY INTERFERING WITH CONSUMERS RIGHTS. THEY HAVE BEEN NOTIFIED AND HAVE NOT FIXED IT AND ARE GUILTY OF LAW VIOLATIONS
Consumer complaint received 2020-06-28
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (TX)

Cbna national credit card cos/airlines ... Numerous unsolicited hard inquiries including burnout limited to these dates XXXX XXXX and XXXX national credit card cos XXXX
Consumer complaint received 2020-06-29
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. (AR)

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.
Consumer complaint received 2020-06-29
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. (IL)

I found out in credit report a few accounts which were not opened by me. They all were opened in the same period and year. I am sure that was fraud because I have never opened them before. I never gave permission to open them and did not sign any documents. Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number ( private ), a personal loan account opened at XXXX on XX/XX/XXXX under the account number ( private ), a personal loan account opened at Upgrade on XX/XX/XXXX under the account number ( private ), and a collections account opened at XXXX on XX/XX/XXXX with a balance of $ {$550.00} ( private ) that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.