davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX Balanced {$0.00} XXXXXXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-16
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (UT)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX
Consumer complaint received 2016-01-07
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: DISCOVER BANK (WA)

Discover personal loans mixed up my name and address and continues to send me a monthly statement for a loan that is not mine. I have called each month for three months to resolve the issue but the statements keep coming. I am about to close my credit cards with discover as well as my bank account with them if this is not resolved in a timely manner.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AL)

After careful review inaccurate reporting accounts address is incorrect I have my identification included information not matching across all three bureaus experian XXXX reporting bankruptcy dept of aide duplicated accounts and amounts incorrect status invalid records not authorized by me loans opened without consent Furthermore, the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 ( BAPCPA ) requires that creditors provide a debtor with a notice of their right to dispute the debt within 30 days of receiving the notice of the bankruptcy filing. I never received such a notice from your company, which is a clear violation of the BAPCPA and USC code 11 U.S.C. 342.

As per the Fair Debt Collection Practices Act ( FDCPA ), a creditor is prohibited from making false or misleading representations to a consumer. In my case, your company has misrepresented the amount of debt owed and has initiated bankruptcy proceedings without providing proper documentation to support your claim. This violates the FDCPA and USC codes 15 U.S.C. 1692 et seq. and 11 U.S.C. 101 et seq.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/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 EXPERIAN 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 bogus addresses. 


These are the accounts in my name that stems from the identity theft : XXXXXXXX XXXX Acct # XXXXXXXX XXXX XXXX  Acct # XXXXXXXX XXXX. Acct # XXXXXXXX XXXX XXXX  ACCT # XXXXXXXX XXXX XXXXXXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXXXXXX XXXX  ACCT # XXXXXXXX XXXX XXXX  ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX ACCT # XXXXXXXX XXXX ACCT XXXX XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXXXXXX XXXX  ACCT XXXX XXXX A copy of an FTC report listing the Accounts opened in my name is enclosed. My consumer FICO credit report now contains fake accounts as a result of this Identity Theft. A copy of your consumer FICO credit report, which includes the aforementioned bogus addresses. The aforementioned accounts as reported, are unfamiliar to me. The Accounts listed above is the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint # XXXX XXXX and A Police Report # XXXX XXXX XXXX as official documentation from the US Federal Trade Commission demonstrating that the Accounts listed above are all the product of fraud and identity theft.
Consumer complaint received 2024-08-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (GA)

2022 My extra phone was lost by my XXXX XXXX XXXX daughter in the grocery store. The phone was unlocked and still connected to my XXXX account and access to bank, cash apps and every app on my phone. There were numerous accounts opened including bank account in my name. I contacted police but couldnt get a report because it wasnt stolen. Our mailboxes were also vandalized so much we had to contact the postmaster to get out mailbox fixed. And some of my neighbors still dont have mailboxes with locks or even doors. I contacted all of the creditors and all but two canceled the accounts. The original creditor had these accounts in dispute status and still sold these accounts to a collection agency after charging the debt off. Im sure this has to be illegal to sale debts in a dispute or bankruptcy status. I also never received a 30 day validation letter prior to the debt being applied to my credit reports. I have also requested validation of this debt from the original creditor as well as collection agency and all XXXX credit bureaus. This fraudulent account is causing financial harm to my family and I. I would like to persue legal remedies against XXXX, XXXX, XXXX, MIDLAND CREDIT MANAGEMENT. They clearly keep verifying debt through address or secondary information. Its not right for me to suffer as a victim of fraud and all my other credit cards are paid off and handled responsibly.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX : XXXX XXXX XXXX XXXX. 
XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/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 Experian 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 collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a personal collection account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (IL)

Urgent Complaint Regarding Blocked Account and Unresolved Issues with Citi Bank ( About COMPLAINT ID : XXXX, SUBMITTED ON XX/XX/year> ) To Whom It May Concern, I am writing to file a complaint regarding ongoing issues with my Citi Bank account XXXX which has been blocked since XX/XX/year>. This situation has caused significant financial hardship, and despite my repeated attempts to resolve the matter, I am unable to access my funds. 

The issue began when I conducted two ATM transactions ( both for {$300.00} ) on XX/XX/XXXX. Shortly after, my account was blocked, and all transactions and access to my funds were denied. I contacted Citi Bank, and they informed me that they had sent a letter to my address for verification. However, I never received this letter. 

Additionally, Citi Bank is unable to verify my phone number, which I have used since XX/XX/year>, when I arrived in the United States. I verified my phone number with my provider, XXXX XXXX, and confirmed that it is linked to my name, but Citi Bank has been unable to do the same. 

Over the past several weeks, I have called the bank numerous times, each time being told to wait for the letter. After 14 days, they escalated my request to a higher authority, but there was no progress. I followed up again on XX/XX/XXXX, and they informed me they would resend the letter, but there was no guarantee that I would receive it. 

Since then ( XX/XX/XXXX ), I have moved to a new address, which I updated in Citi Bank 's system through their mobile app. Despite this, they have refused to send the letter to my new address. I even suggested sending the letter to my nearest branch so I could verify my identity in person, but they declined this option as well. As of now, Citi Bank has sent another letter to my old address, asking me to wait until XX/XX/XXXX. 

I am in a very difficult position as my salary is being deposited into this blocked account, and I can not access my funds. This situation has left me without any cash on hand, and I have been forced to rely on my foreign card for daily expenses, costing me significantly. 

As evidence, I am submitting my receipt from the ATM transaction that triggered the account block. 

I kindly request that the CFPB investigate this matter and assist me in resolving this issue promptly, as it is severely impacting my ability to meet my financial obligations. 

Attachment : Receipt of ATM transaction, My new address proof. 

I am also willing to verify my identity by bringing any legal documents or in person to my nearest Citi bank branch. 

Thank you for your attention to this matter. 

Best regards,
Consumer complaint received 2024-11-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-08
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Continental Services Group, Inc. d/b/a ConServe (SC)

I have received two letters in the mail from u.s. Department of the Treasury Bureau of the Fiscal Service XXXX XXXX XXXX XXXXXXXX Al XXXX Stateing that i owe medicail bills from the Va and that they are going to take 15 % of my social security I called conserve XXXX and gave them my social security number and bank account number to set up a payment plan then i received a second letter and called them and was told that i was misinformed, that i could not do a payment plan that i had to pay it all in full. I told my caretaker about it and she said that it sounds like a scam, what do i do now that these people have my personal info? Thank you, XXXX XXXX
Consumer complaint received 2024-10-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I applied for a balance transfer. in XXXX, I have made multiple payemnts of atleast {$100.00} for the past 2 years including making a payment for XXXX in XXXX. I am unable to see where the money is being applied to as my statements do not reflect. for the entire calendar year of XXXX i only had XXXX $ in purchases. when i asked why am i paying interest on multiple things they could not tell me. When asking to speak to a supervisor, he decided to ignore me and not answer. I can not see all my payment history as it limits me to 6 months.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: OneMain Finance Corporation (MS)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.
Consumer complaint received 2024-10-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (IL)

I started graduate school in XX/XX/year>. My student loans should have automatically been placed on Deferment due to my XXXX XXXX that Aidvantage can easily verify. They have taken over {$3000.00} from me since school started. I am beyond upset. Who just has {$3000.00} to spare while they're in school? Why am I being forced to pay {$1500.00} a month while I am in school?! I have contacted them via phone and through their live chat services. The most recent call on XX/XX/year> ended with them saying that I was never in deferment in the first place. Deferment is an automatic process that they list out in their web page. I do not attend an unknown private school. I attend a state university so they can easily verify that information.
Consumer complaint received 2024-10-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: COLUMBIA BANKING SYSTEM, INC. (FL)

I requested an equipment loan worth {$44000.00}. According to the contract it said it was 60 monthly payments that include interest and capital {$1300.00}, this was in XX/XX/year>, I have been paying this loan for 7 months. I wrote to the company requesting the balance of the credit to be paid today and they tell me that I must pay {$70.00} XXXX dollars, which is the total interest on the entire loan and the capital. That is, they are charging me interest on a term that should not be settled. I request the value of the capital as of today and they tell me that I do not have to pay all the interest like this, I want to pay the capital today, this is not legal, since the interest is paid over time of the credit and on the balance, that is, the monthly payment that I am making there is no discrimination to c
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (CA)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection/Charge Off : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Late Payment : XXXX XXXX XXXX Inquiries : XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Personal Info : Current XXXX XXXX es ) : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2024-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One now has Kohl 's credit card. I already had a Capital One through Walmart. Now, I can not get through the automated system to create, check or confirm payment status. If I call their automated system, I it does not recognize the card I am calling about. It says that it can not understand or hear me, even though I am using the keypad. When I ask to speak to a representative, it repeats the request for me to ask for a representative or enter any number. Then it tells me it can't hear me and there must be a problem with the connection and, instead of shifting to a representative, hangs up. The phone number on the back of the credit card no longer works. I try to get into the computerized system, it doesn't recognize the information and wants the security code to a credit card number that isn't mine, even though I have already verified my identity with my name, social security number, and date of birth and address. This not only happens on my Capital One/Walmart card , it also happens on my Capital One/Kohl 's card. This is happening every time I try to go into the card and began when Capital One took over Kohl 's credit cards. Note, I did not ask Kohl 's to sell their credit services and had I been asked if I wanted to remain as a store only card OR have another Capital One, I would have said no to a second Capital One linked to Kohl 's.
Consumer complaint received 2024-10-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (NC)

On XX/XX/XXXX my boyfriend sent me {$1300.00} through Zelle for me to go to my bank and get a cashiers check. On XX/XX/XXXX XXXX XXXX hit, we were affected, as was my bank who is based out of XXXX, NC. I was unaware that the systems were down with my bank, XXXX XXXX XXXX XXXX, I visited a local branch on Monday, XX/XX/XXXX, that is when I was told the systems were down. The money was never received into my account. On my boyfriends accountXXXX XXXX XXXX XXXXXXXX, the payment was processed. In my Zelle app it states I received the payment. In my boyfriends Zelle app it states the payment was processed. On XX/XX/year>, we tested a {$1.00} transaction with Zelle, the payment was processed and arrived in my account. On XX/XX/year> I spoke to Zelle. They informed me that he needed to speak with XXXX XXXX XXXXXXXX and file a dispute. He went into a local branch and they informed him that he needed to contact Zelle. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is in limbo, our rent money, and nothing is being resolved.