davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-08
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. (CA)

I am writing to you to block the following listed items from my report immediately which are not authorized by me. I became a victim of IDENTITY THEFT a couple of years ago. I have noticed that many items appeared in my report which was never opened by me. You are reporting Inaccurate, incomplete, or unverifiable accounts. I have been fighting to have these accounts removed from my credit report for some time now and it's very nerve racking because I'm not getting any help.
Consumer complaint received 2022-02-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NY)

On XX/XX/2020 I noticed two different accounts on my credit reports that I did not recognize from LVNV Funding. I realized I had never received a notice of the right to dispute regarding these collections. That same day, I sent LVNV Funding a letter to validate each of the accounts. I have a certified return receipt that XXXX XXXX signed for my letter on XX/XX/2020. In the 30 days that followed I did not receive any documentation validating either debt. I checked all three of my credit reports and they failed to mark either account as disputed. On XX/XX/2020 I sent a follow up letter stating they failed to validate the debt, neglecting to send any documentation and requesting to have the accounts removed from my credit reports immediately. My XXXX letter was received certified return receipt on XX/XX/2020, also signed for by XXXX XXXX. Again, I received not response and the accounts were still not removed. I sent all of my documentation to the 3 credit bureaus and again it was not removed. 

Over a year later I received a letter that a law firm XXXX XXXX XXXX XXXX that they were now handling one of the accounts and provided a packet of information regarding the account. I sent them all of my documentation that LVNV Funding failed to validate the debt. The law firm proceeded to file a lawsuit against me for one of the accounts. At the first court hearing the lawyer from XXXX XXXX XXXXXXXX was very arrogent towards me, telling me that it didn't matter that XXXX didn't follow the validation law upon receiving my letters or the fact that they failed to validate the debt. He stated I now needed to settle the debt with his firm.
Consumer complaint received 2022-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CA)

In XX/XX/XXXX my wife and I purchased our first home in California. Due to CA tax law, the original tax bill for our home was set using the original assessed home value ( taxes of the previous owner ). This tax bill was {$2800.00}, which is substantially lower than the total taxes we are actually responsible for, which are set on our purchase price of the home. For this reason, we are also required to pay two supplemental tax bills, one for XXXX XXXX XXXX ( prorated to our purchase date ) and another for XX/XX/XXXX to XX/XX/XXXX. These two supplemental tax bills total {$2200.00} and {$6700.00} ( each split in two installments ). Since XX/XX/XXXX, we have paid about {$12000.00} into escrow, which includes the " total '' tax rate : both the original tax bill and the supplemental taxes. In other words, we have paid the supplemental taxes into escrow, as required under the terms of our loan. 

In XX/XX/XXXX, I sent copies of our supplemental taxes to our mortgage servicer, BSI financial, and requested that they be paid from escrow. Despite confirmation of receipt, and assurances from BSI, these bills were never paid. Since then, I have contacted BSI 5 times in attempt to get these bills paid, and have been told each time that they would be paid. Now, the first installments of both bills are three months late, and BSI is completely negligent and unresponsive. 

I am requesting that BSI pay the taxes as stated on our supplemental tax bill from escrow, plus the late fees that their negligence is responsible for. The late fees total {$110.00} and {$330.00} for the first installments of the two supplemental tax bills.
Consumer complaint received 2022-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/2021, I applied for Capital One XXXX XXXX and was approved for a credit limit line of {$500.00}. On XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021 I was denied an extension of credit by Capital One Bank. It is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Capital One has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002
Consumer complaint received 2022-02-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Business and Consumer Solutions. (SC)

I have started getting calls from FBCS on a regular basis recently. I didn't even know who or what FBCS was. I had to look them up online to find out this is a debt collection company. I am NOT in debt! I thought I got this straightened out last year when I went through this same problem with other debt collection companies. I was getting frequent calls for an XXXX XXXX XXXX, who apparently used to have my landline number. I filed a complaint through you and the calls from debt collectors stopped. Well, they've started again this year. I have had the same landline number for 3 years, so whoever this outfit is trying to reach is calling a number that hasn't been that person 's for years! I don't trust them, so I haven't called them back. I'm filing this complaint and blocking their number. I can't tell you how sick and tired I am of getting bombarded with calls for the wrong person. What does it take to get through to these debt collectors? I do not have an unlisted number, so it would be easy enough for them to check and see if the number they are calling matches the name of the person they're trying to reach. They don't bother. They start calling early in the morning, like XXXX. I thought it was illegal to call before XXXX am. If they are legitimate, they need to stop that.
Consumer complaint received 2022-02-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

I have always been in a deferment or a forbearance option through XXXX. I have never missed a payment due to my elegibility w my income due to XXXX. and XXXX.
Consumer complaint received 2022-02-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

I have always been in a deferment or a forbearance option through navient. I have never missed a payment due to my elegibility w my income due to XXXX. and ssa.
Consumer complaint received 2022-02-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

I transfers a total of {$2000.00} by way of two {$1000.00} transactions on XX/XX/2021. On XX/XX/2021, the funds cleared my back and was placed in my PayPal account balance. In the same day, PayPal put a restriction on my account to where XXXX cant access my hard earned money and stated that I must wait 180 days to have access to the funds In my Paypal account. My bank rep contacted PayPal to resolve the matter letting paypal know that the funds are legitimate but still no success. I called several times and was asked to submit documents such as bank statement and I'd but still my account was still restricted. The case number in regards to this issue is : ( Ref ID - XXXX ) which was provided by PayPal! PayPal makes it virtually impossible to appeal or review the decisions made by them concerning your account and the money held hostage by them.
Consumer complaint received 2022-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am reaching out to report a Fraudulent Credit Card account with XXXX XXXXXXXX XXXX ( Acct # XXXX ) that is currently being reported to my Credit reports with all credit bureaus and I am asking for your assistance to Immediately delete this fraudulent and incorrect reporting from my credit files, since I have already tried to dispute it with the Credit Bureaus and they have failed to take action. 
This account was not opened by me and I never consented to a Credit Card with XXXX XXXX  XXXX. I called XXXX XXXX XXXXXXXX regarding this fraudulent card in hopes that they would help me settle this issue and remove this fraudulent reporting and they have not done anything about it to this date and have referred me to dispute it with the Bureaus, even after speaking to multiple representatives at XXXX XXXX XXXX. XXXX XXXX XXXXXXXX informed me during one of the conversations with them that this Credit Card was opened inside of a Branch in Florida. I am not sure how this happened as I was under the impression that banks were required to check ID and collect a signature for all credit products opened. 
I live in California and I have proof that I was here in California and was at work on the date that they claim this account was opened ( XX/XX/XXXX is the opening date according to my credit reports ). I work for the City and County of XXXX XXXX in California and I am attaching copies of all my pay stubs received during the period that this card was supposedly opened by me at a Branch in Florida so that you can see that I has here at work in XXXX XXXX, CA and did not take any time off of work during that period. How could the card have been possibly opened by me at a branch when I was across the Country and not even a driving distance from that branch on the date it was opened? Find my XX/XX/XXXX Paystubs enclosed. 
I filed a Dispute with the Credit Bureaus last year in XXXX ( XXXX ) and the results of their Investigations all came back saying that the account was verified. I am not even sure how they were able to verify an account that was NOT opened by me, and which means of verification they used for their investigations. 
If you need any additional information from me, please do not hesitate to contact me at ( XXXX ) XXXX. 
I look forward to your assistance in resolving this matter and helping me completely remove this fraudulent and inaccurate reporting from my credit files. 

Thank you for your assistance! 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION (TN)

I received a 1033-c from Truist bank and after looking up this financial institution I found that it was Suntrust. This stated they discharged a debt of XXXX -- I have no idea what this would be. I did find out it was a joint account and may be under the name of XXXX XXXX XXXX since it was not paid after our divorce. I have never received any correspondence about this debt until I received this 1099-c in the mail. I tried contacting this bank with help about this and got no response at all.
Consumer complaint received 2022-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (FL)

I have used TD Bank for many years and have actually enjoyed their service. However, since the pandemic began TD has closed a large number of branch offices and does not have stand alone ATMs ( that I know of ). As a result, I now have to drive nearly 20 miles to access a TD Bank branch ATM of pay a {$3.00} fee. 

It would make sense if these ATM fees were eliminated as TD is saving a great deal closing all these branches.
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 15. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

16. Validate Account XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

17. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

18. Validate Account XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

19. Validate Account XXXX XXXX XXXX  XXXX XXXX. 
Account Number : XXXX Please remove it from my credit report. 

20. Validate Account XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

21. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

22. Validate Account XXXX XXXX XXXX. 
Account Number : XXXX Please remove it from my credit report. 

23. Validate Account XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

24. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

25. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

26. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

27. Validate Account XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

28. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

29. Validate Account XXXX Account NumbeXXXX : XXXX Please remove it from my credit report. 

30. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

31. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

32. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

33. Validate Account XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND LATE PAYMENTS from my credit report immediately
Consumer complaint received 2022-02-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (CA)

On XX/XX/XXXX, I received a debt letter from Waypoint Resource Group. I was in shocked because I don't remember owing a cable company under my name. It stated that I owed them back dated on XX/XX/XXXX of {$12.00}. I did not opened an account with the company for a long a time. I was not the account holder around this time. I want this debt off my name. I have a very good credit and I don't want this company to ruin my credit score.
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I checked my credit score on all three credit bureaus and noticed that there is a XXXX points difference on Equifax credit score. All Credit Agencies have the same accounts. Why is Equifax score XXXX points below the other credit reporting companies?
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I have been trying for years asking Experian and XXXX to delete erroneous and incorrect account information off of my credit report. Currently a company called XXXX XXXX is sitting on my credit report without a account number XXXX XXXX and XXXX XXXX that doesn't even have account numbers are all a part of my identity theft. They have stalled and stalled and ignored my request to delete. I have sent to them multiple times my drivers license and the XXXX Police Report and Federal Trade Commission Affidavit only to have no actions taken. My information was stolen and used and I demand deletion of the incorrect reporting information. My creditworthiness is important to me. 

What Experian and XXXX always does is send communication back saying they can't locate the information that I am requesting stalling and stalling until I give up. 

Experian and XXXX has failed to follow fair credit reporting and ignored my identity theft. 

Shows XXXX XXXX open XX/XX/2015 which is past the Georgia statue of limitations reporting. Please Delete as per Experian has the same error reporting twice.
Consumer complaint received 2022-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2022-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

attached isa offfial copy of my chapter XXXX bankruptcy discharge date and time XXXX number from the judge who discharged my bankruptcy XX/XX/XXXX XXXX proof!
Consumer complaint received 2022-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

My problem : Truist Bank has not yet reimbursed me my money that was stolen by fraudulent transaction at Truist Bank. 

This is what I was told by my banker, XXXX XXXX, at the Truist Bank in XXXX : On XX/XX/2021 somebody, who presented himself as XXXX XXXX, using a fake FL Driver 's License came to the Truist Bank Branch in XXXX, PA. He gave the bank a XXXX XXXX  check written in my name and endorsed in my name. In exchange, he received {$3500.00} in cash. It seems he knew my checking account number. Several days later, when Truist tried to get the funds from XXXX, they found that the XXXX account was closed. 

It seems that Truist Bank assumed that I had deposited the check and sent me a letter with a copy of the check. In addition, they charged me {$12.00} penalty. 
I got this letter late on Friday, XX/XX/2021. During the weekend when I checked Truist 's automatic phone there was nothing about the transaction. 

On Monday, XX/XX/2021, I went to my Truist Bank Branch in XXXX and met with XXXX XXXX. It became clear that this was a case of fraud. She immediately froze my old account and opened a new one. I filled out and signed all the relevant forms and the case was transferred to the Truist Fraud Department. 
I was told initially that I would get the money ( $ XXXX ) refunded within several days. It is now more than XXXX months later and I have not received anything. 

We talked by phone with the Truist 's Fraud Department, but they would not commit to any date when I could get my money back. 

This is a clear case of fraud. Truist Bank is at fault. 

I ask that Truist Bank should reimburse me the full sum as soon as possible. 
Thank you, XXXX XXXX
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

I have additional information regarding my request to BLOCK accountXXXX XXXX XXXX fraudulently furnished on my credit file. Be advised that I do not have any liens in my name related to this account and have attached the MA Secretary of State 's certified report reflecting such. 

In addition, EXPERIAN failed to provide me with the material proof, which I requested XX/XX/2022 via CFPB # XXXX, that led them to determine that the XXXX XXXX account is actually mine. I've received two notices thus far on XX/XX/2022 and XX/XX/2022 stating that EXPERIAN has verified the account in question. Reference correspondence has been attached. 

NOTE THAT ANY RESPONSES FROM EXPERIAN SHOULD BE SUBMITTED VIA THE CFPB PORTAL AND NOT VIA ANY OTHER DELIVERY METHOD.
Consumer complaint received 2022-02-08
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. (TX)

I have been informed that the following inquiries were listed on my personal credit report in which I did not personally request myself. Please Delete or Remove the following Inquiries listed below as they are Unauthorized by myself XXXX XXXX. 
XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX