davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (IL)

XXXX I sent Fair Collections & Outsourcing a certified letter explaing that the company has broken the law and is in direct violation of 15USC 1692 ( c ). I XXXX XXXX, the consumer, did not enter into any contract with this third party purchaser. I was not informed or consented for any sale or transfer between XXXX XXXX XXXX XXXX XXXX XXXX XXXX knowingly and willingly purchased my personal information as an unauthorized third party without my knowlege or consent. No consent from the consumer is considered IDENTITY THEFT. XXXX continues to ignore all written correspondence and continues to knowingly and willingly attempt to tell me I owe them a debt and furnish inaccurate and false information to credit reorting agencies. At this time I am due remedy for these violations as a federally protected consumer under 15 USC 1681 and 15 USC 1692.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I have several hard inquiries on my credit that need to be deleted. These hard inquiries were not authorized by me. I reached out to the individual credits and they suggested I reach out to the credit bureaus. After doing so, no hard inquiries have been deleted.
Consumer complaint received 2022-11-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (NJ)

This bank is being run by lying degenerates who can not do a single thing right. 

I set up a wire transfer on XX/XX/XXXX with supervisor XXXX who assured me that it was expedited. 
Called on XX/XX/XXXX as the wire transfer had still not gone through. Spoke to supervisor XXXX who said that XXXX did not expedite it. Then she goes on to put me on a XXXX hour hold and hangs up XXXX me. 
Called again and this time got XXXX gain, the one who had set up the wire transfer. She insisted that she had expedited the wire transfer and that XXXX was lying. Then she said that the wire transfer has run into " some '' error and she is not sure what error and she will have to set up another wire transfer. When I asked her to file a complaint against XXXX who XXXX  up on me after XXXX hours, XXXX also hung up on me. 

Now I have XXXX wire transfers showing pending in my scheduled transactions and no one has any clue what is going on. 


XX/XX/XXXX Outbound online wire to ************XXXX Track my transfer - {$25000.00} XXXX Time XX/XX/XXXX Outbound online wire to ************XXXX Track my transfer - {$25000.00} XXXX Time This bank is bein run by lying degenerates and incompetent idiots.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2019 Balance : $ XXXX Late Dates XXXX
Consumer complaint received 2023-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

I made a transfer on my account ending XXXX to my XXXX XXXX XXXX ending XXXX, however it went to XXXX due to an input error. The account is wrong and according ACH Network rules, the wrong account number I should be given the opportunity to get my {$4000.00} back. XXXX XXXX XXXX put in a research request and after an hour on the phone with XXXX she said " IF it gets resolved in your favor '' with no validation I will get my money back. USAA was made aware of the error within five days and was told on both occasions " because there are multiple disclosures '', I literally saw no disclosures nor do I read well. So I transferred the money assuming it was going to my account, unaware the mixed up in the last few digits. Making both parties aware of the issue, XXXX XXXX XXXX said the issuing back ( requestor ) USAA should have the ability to reverse or request reversal. They seem very unbothered that their client just lost {$4000.00} to a stranger and made no attempt to resolve it for me. I asked on a second call to escalate this claim. I am hoping for a timely resolve. XXXX XXXX XXXX  should be able to use the Tracer to move the money from the wrong account # XXXX to the correct account ( mine ) # XXXX Please help. Thank you.
Consumer complaint received 2022-09-06
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00}, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9900.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9500.00}
Consumer complaint received 2022-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (NC)

I am writing regarding a problem I have with Truist Bank, formerly BB & T. I have been a victim of identity theft. My checking account, which I had with BB & T ( now Truist ) for several years was compromised. My funds were restored, the account was closed and a new checking account was issued. The second account was breached within 30 days. Once again my funds were restored, the account was closed and a third account was issued. Both the second and third accounts were issued with " starter '' checks. Even though I was issued starter checks with each new account, I purchased my permenant checks through XXXX, as it is less expensive than purchasing them through the bank, and I never used the " starter '' checks. When I wrote my checks to pay bills through the third account, I began to realize that they were not showing up as having been cashed. When I asked the bank about the checks, I was advised that the last account I was issued was not for writing checks, but rather could only be used for my ATM card. I have never heard of a checking account that I could not write checks on. I am now being charged late fees by various vendors, because the checks were not honored. When I complained to Truist about this problem they refused to reimburse me for my late fees because the checks were not issued by Truist. I feel that I should be reimbursed since I was not advised that I was being given an account that was only to be used for payments I made with my debit card. Since I was given " starter '' checks, I had no reason to think I could not write a check to pay my bills. Whether the checks were issued by Truist or XXXX has nothing to do with the fact that they gave me an account that I could not use. I had a regular checking account to begin with and the second account was a regular checking account. I should have been assigned a regular checking account when third account was issued.
Consumer complaint received 2022-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Bread Financial Holdings, Inc. (GU)

Opened acct in XX/XX/2022. Waited for card but never arrived. Out of abundance of caution so card is not in the hands of someone else, I made a follow up call and guy was able to report card as lost and request replacement to he mailed. He told me be on lookout for white envelope. Address verified as to where it was sent. 2 weeks went by, again no card. Called & spoke to several agents, none who could help except to try to transfer me off & get the call disconnected. After numerous frustrated attempts, asked for manager and told her I did not get my card. She said it could be due to an address issue and that she would ensure someone calls me back. Never got any call except a letter that said a replacement card can not be sent because address on cr bureau not the same? I said I can mail you proof of my address, its the same as my JCrew of which I received that card with no issue. 
They asked me address from way back, I gave them an answer, the guy on phone said I failed. Huh? What kind of verifying my address that way is legit? 
So now im stuck with an open account but clueless what my account number is because they wont send me the card!
Consumer complaint received 2022-09-06
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. (AZ)

was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 1. The following personal information is incorrect Account Number : Former : XXXX, XXXX 2. The following personal information is incorrect Account Number : Former : XXXX, XXXX 3. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX 4. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX 5. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX AZ XXXX 6. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX  XXXX XXXX XXXX AZ XXXX 7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX AZ XXXX 8. The following personal information is incorrect Account Number : Employers : XXXX XXXX 9. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX 10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 11. there is some inaccurate information reportingXXXX XXXX XXXX XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 12. there is some inaccurate information reporting. XXXX  Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 13. The following account is not mine XXXX  XXXX  XXXX  Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 14. The following personal information is incorrect XXXX XXXX XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 15. The following account is not mine XXXX  XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 16. The following account is not mine XXXX  Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 
Oh by the way I hope you understand that the FCRA states in the section below
Consumer complaint received 2022-09-06
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. (GA)

Please delete the following inquires as they were not made by me : 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, and the following accounts XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX as I have never applied nor giving consent for the following companies to have access to my credit report to establish account
Consumer complaint received 2022-09-06
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Driveway Finance Corporation (FL)

XX/XX/2022 a payment of XXXX was made after company purposely made late fees come in hand. After company withdrew and confirmed payment weeks later the payment came up as invalid and still not returning the money after had already taken it. Looked on online for reviews of Company Driveway Finance and seems like theyre known to scam their customers. Along with taking your money and causing late fees to occur on purpose, the customer service dont know what theyre doing and lie about errors, payment refund and late fees being deducted.
Consumer complaint received 2022-09-06
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. (AL)

I am submtiting this CFPB complaint to follow up the previous complaint I submitted addressed to the Credit reporting Agencies regarding the removal of tehe fraudulent accounts being reported on my Credit report. I have read that under the FCRA section 605b, The Credit reporting Agencies are requried to remove any accounts and information that resulted due to identity theft. On XX/XX/XXXX I sent dispute letters to each Credit Bureau requesting tht they remove the disputed accounts which I belive to be incurred due to identity theft. I am submitting this CFPB complaint under the provisions of the FCRA section 605b and I am looking forward for the removal of the disputed fraudulent items completely from my Credit Report. I need the following accounts be removed as soon as possible : XXXX XXXX Balance : {$0.00} Date XXXX XXXX XXXX XXXX Balance : {$0.00} Date OpenedXX/XX/2018 XXXX XXXX XXXXXXXX Balance : {$1500.00} Date Opened : XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX( Original Creditor : XXXX XXXX XXXXXX/XX/XXXX ) XXXX Balance : {$4600.00} Date Opened : XX/XX/XXXX. If the Credit Bureaus believe that the disputed account belong to me, I need the Credit Bureaus to please provide me copies of documents bearing my signature.
Consumer complaint received 2022-09-06
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: JPMORGAN CHASE & CO. (NY)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Please remove/block this account as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/2014 Balance {$5400.00}, XXXX XXXX XXXXXXXX Date Opened XX/XX/2014 Balance {$11000.00} If you claim this account is 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Consumer complaint received 2022-09-06
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)

The Credit Bureaus have done terribly nothing! I have been sending countless dispute letters as well as submitting numerous CFP complaint and it is clear that the Credit Bureaus have never paid attention to my disputes. Under the FCRA section 605b, the Credit Reporting Agencies are required to remove any account and information that resulted due to identity theft and provide proofs of verification if the Credit Bureaus claim that the items are verified. But upon reviewing a copy of my updated Credit Report, the Credit Bureaus still include reporting the disputed accounts and information without sending me copies of documents bearing my signature. I have read enough to understand my rights which is clearly being violated by the Credit Reporting Agencies. I am submitting this CFPB complaint to remind the Credit Bureaus of my disputes and hopefully remove the disputed fraudulent accounts and information completely from my Credit Report as soon as possible : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX B XXXXXXXX XXXX XXXXXXXX, MO XXXXXXXX XXXX XXXX XXXX Owed : {$55000.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$970.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Owed XXXX {$400.00} XXXX & XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX Balance Owed : {$1200.00} DP OF EDUC XXXX Balance Owed : {$4900.00} DP OF EDUC XXXX Balance Owed : {$2400.00} DP OF EDUC XXXX Balance Owed : {$3700.00} DP OF EDUC XXXX Balance Owed : {$7400.00} DP OF EDUC XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I was a victim of fraud and there is an XXXX  address XXXX XXXX something that keeps appearing on my credit after I have advise all 3 reporting agencies to remove it. They are updating it as old. Experian being the most recent company I have reached out to and my identity is not being identified on many platforms. As well they have me listed as living in NJ when I have did a credit check through them and at least two of my credit tradelines have reporting My updated address they will not update my personal information and old debt off my credit report no matter how many times we seek help.

I can't get help on the phone as I can not be identified because they have the wrong information. 
This is ongoing.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them
Consumer complaint received 2022-11-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (FL)

I logged into XXXX XXXX  over a year ago and saw there was a collection placed on my account for XXXX XXXX. I tried disputing this with XXXX and they would not remove it. I then filed a police report and disputed it with XXXX and XXXX. XXXX and XXXX removed the collection but I did not know that XXXX also showed it on their side as well. I filed a police report regarding this ( case XXXX ) with the XXXX XXXX XXXX and XXXX XXXX is the current owner of that case. 

I attempted to contact both XXXX and Source Receivables ( the collection agency ) to dispute this directly and both were unhelpful. XXXX would not help me as they needed an account number to help me, and I do not have an account number to provide as I have never been a XXXX customer. Source Receivables would not assist me either as they referred me back to XXXX.
Consumer complaint received 2022-09-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (CA)

Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX I had a phone plan with XXXX  and after experiencing service interruptions due to device malfunctions I ordered an exchange, After I received my exchange. 

XXXX had emailed me a return label since the one with the exchange was missing one Dated : XX/XX/2022 Tracking Number : XXXX Return Order Number : XXXX Carrier : XXXX You can find that Return Device was delivered to XXXX  on XX/XX/2022 as it shows in delivery confirmation from XXXX. 

I contacted XXXX through customer service number and every time I get a different story device was found in our warehouse or you will need to wait 7-10 business days to get your account to XXXX. 

So, I think XXXX has sold my debt to AMSHER COLLECTIONS. 
Which I disputed with the same proof but didn't get a response from them yet.