davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-20
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. (PA)

I was reviewing my credit, and I noticed some companies listed that Ive never did any business with. I did not given anyone permission to do any kind of business with these companies, with that being said I think that my identity has been stolen. I will attach a list of the companies thats on my credit report. I also will attach a copy of my id to verify that this is me reporting this complaint. I also have a FTC report reporting the identity theft. I need this issue to be resolved immediately as this is holding me back from moving forward with providing for my family. Its really making things very difficult for me.
Consumer complaint received 2021-12-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada) (GA)

I bought a pre-paid XXXX phone ... ..NO CONTRACT and NO AUTHORIZATION to auto-deduct payments from my checking account. XXXX was the XXXX number assigned to my device. Again, this was a PRE-PAID cell service. I had paid PRIOR to every month using my debit card. After a while, I noticed on my bank statement that XXXX was illegally auto-deducting money from my account WITHOUT my knowledge or approval. In addition, the amount that XXXX began illegally auto-deducting from my checking account was significantly more than the advertised, quoted, agreed upon monthly pre-paid payment. After noticing, I tried several times to cancel my service via the XXXX app. The app was not working correctly, so I called XXXX and spoke with a lady ( XXXX representative ) about my unfortunate experience. I was very upset and made it clear that I would no longer use XXXX because of the illegal auto-deductions and overcharges. I made it very clear that I wanted a refund for the overcharges, my Sprint account ( phone number ) to be closed immediately, and the illegal auto-deductions to STOP. Per our conversation, she agreed to close my account ( phone number ) immediately, but couldn't authorize a refund for the overcharges. She then stated that another XXXX representative would call me within a few days to talk about the 'refund ' part of my request/statement. I never received that call. I did however notice that XXXX stopped making the illegal auto-deduction withdrawals from my checking account. Unfortunately, many months later, I discovered via XXXX XXXX that XXXX sent my account ( phone # ) to collections with a bogus balance. I do not believe I'm the only victim.
Consumer complaint received 2021-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, Please investigate these matters and remove the disputed items as soon as possible. 


Inquiries XXXX BXXXX XXXX XXXX  ) XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 2021
Consumer complaint received 2021-12-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (FL)

I received an unsolicited debit card in the mail from Chase Bank on XX/XX/2021. The name on the account is mine and even includes my businesses name underneath. The instructions on the card state that I should activate the card. I HAVE NOT ACTIVATED THE CARD. 

Part of the correspondence that arrived with the card states the following : " This card accesses the primary accounts listed below ( and further states an account number ending with XXXX ). 

Here is the problem, and the reason for this complaint, I have never opened an account with Chase Bank NEVER. And as a result, I believe this is either a scam, a case of stolen identity or a fraudulent practice on the part of the bank.
Consumer complaint received 2021-12-20
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. (AL)

I mailed an Affadvit to Experian via certified mail on XX/XX/2021 pointing out the inconsistent information with 3 accounts reporting on my credit report. I provided copies of my credit report showing the errors that they were reporting. They received this packet on XX/XX/2021 per USPS tracking : XXXX. They responded back to me via digital response through their app on XX/XX/2021 saying the accounts were verified as accurate. I sent another letter certified mail on XX/XX/2021 asking them to provide me with the documentation and methods of verification which I have a right to obtain per the FCRA. They received this on XX/XX/2021 per tracking USPS : XXXX. They responded virtually again stating the account was verified, again not providing the requested information of verification methods. I wrote a final letter and sent it certified mail again on XX/XX/2021 making a final goodwill attempt to receive the requested information of methods of verification or deletion of the invalid information. They received this on XX/XX/2021 per tracking USPS : XXXX. They responded to me again virtually just saying the information was verified and not providing me the information I requested for. I am filing this complaint as they are not complying with the FCRA and they are reporting invalid information to my credit report that must be deleted per the FCRA. Please see the documentation below including information I provided from my credit report of the invalid information.
Consumer complaint received 2021-12-20
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. (CA)

This is XXXX XXXX who is submitting this CFPB complaint myself. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : ( XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Reference # : XXXX, XXXX XXXX XXXX XXXX Filed/Reported : XX/XX/XXXX Reference # : XXXX )
Consumer complaint received 2021-12-20
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

This is XXXX XXXX who is submitting this CFPB complaint myself. CAPITAL ONE BANK USA N account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( CAPITAL ONE BANK XXXX XXXX XXXX )
Consumer complaint received 2021-12-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX XXXX XXXX XXXX got a loan for a XXXX XXXX which was price online for {$16000.00}. I also put a down payment of {$3000.00} witch is a violation of 15 usc 1605 there should not be a down payment in a Consumer credit transaction. They also never provided insurance which is supposed to be included in the finance charge an is a violation of 15 usc 1605a ( 2 ). At the end of the transaction The price of the vehicle was {$26000.00} with the total amount of payments is XXXX. The finance charge is {$8400.00} and is the sum of all charges according to 15 usc 1605. They also never gave me my right to rescind papers. Also never gave them any written consent or instruction to report this to any consumer reporting agencies.
Consumer complaint received 2021-12-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (NC)

XX/XX/21 I sent out letter to Credit Collection Services XXXX XXXX XXXX XXXX, XXXX XXXX requesting debt validation of {$320.00} ; no response. Sent out same letter on XX/XX/21 still no response.
Consumer complaint received 2021-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (MD)

On XX/XX/2021 I called the XXXX XXXX XXXX to obtain a single one way ticket from XXXX, MD to XXXX, NJ. 

I spoke with an XXXX representative named XXXX. I was under the impression I booked a ticket after giving all of my information ( personal and credit card information ). 


I didn't receive an email verification or any tickets in the mail so on XX/XX/2021 I called XXXX XXXX  to confirm my reservationand the representative let me know there was no ticket purchased under my name. 

I booked another XXXX XXXX XXXX from XXXX for {$97.00} and immediately received my e-ticket via email. 


When I was away out of the country I received a fraud alert from my credit card company stating I had several charges on XXXX totaling almost {$1000.00}. 

These were not made by me and I have been fighting to get charges removed with no success.. 

It has been XXXX months and I have receivedno information from XXXX as to where the charges came from. 

My cell phone isXXXX. Please call me or reply to this email. I am cc-ing my attorney to pursue legal action for these fraudulent claims made on my account. 

I have also mailed the MD Generals office a hard copy of all correspondence including this email. 

I have made continuous to Chase and Southwest Rapid Rewards and have received no help.
Consumer complaint received 2021-12-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Monterey Financial Services LLC (TX)

Monterey Collection is in my credit report with XXXX XXXX XXXX XXXX debt. I have tried sending validation request for the account. But they never responded to me. Also account keeps coming back verified but the balance is not reporting consistently. This is a violation. They don't have the proper documents to validate the debt. This is tracking # XXXX when I first sent my letter. See attached for proof of inaccuracy
Consumer complaint received 2021-12-20
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. (FL)

I have sent XXXX letters certified mail and have not received any original contracts. 

Also have not been removed and have been illegally reporting on my credit file and putting debt on my report and hurting me. 

For example XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2021, I submitted a Mortgage Assistance Application to Wells Fargo XXXX XXXX looking for modification of my loan. On Friday, XX/XX/2021, I received a letter from Wells telling me of the only option they were offering. It is a short sale of my property! 
I called and spoke with the agent who answered the phone for the person designated- XXXX XXXX XXXX. XXXX answered her line this morning. 
I have made payments on this line for many years, since the line matured. It's a {$370.00} monthly payment of which {$300.00} goes to interest. This means they have received tens of thousands of dollars on this loan with only about {$3000.00} going toward the principal. 
Please note, Wells is participating in a federal program here in California via XXXX or the XXXX XXXX XXXX. It's the XXXX XXXX XXXX  XXXX. They are receiving millions to bring their first mortgage customers in arrears current on their mortgages. 
This is one of the reasons their offer to me is so galling. Also during the Obama administration they delayed assistance I requested until the program ended, denying me the loan forgiveness I requested and should have received. 
Let me know if more information is needed. Thank you!
Consumer complaint received 2021-12-19
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (CA)

I have been disputing an inquiry with Citibank NA for some time, and they have come back stating that it is accurate, yet no fprm with my signature or open account was provided.
Consumer complaint received 2021-12-20
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX
Consumer complaint received 2021-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On XX/XX/2020, I sent an inquiry dispute letter to TransUnion asking to validate information with these companies and to provide me with copies of any documentation associated with these accounts bearing my signature, authorizing the inquiries pulled from my consumer report. I requested that in the absence of any such documentation bearing my signature, I requested that these fraudulent inquiries be immediately deleted from my consumer report. TransUnion sent a letter in the mail stating that they verified that the information that theyre reporting is correct. TransUnion failed to send and provide me with proof or documents obtaining my signature validating these inquires. They also failed to show me how they verified this information. Recently I received another inquiry I did not authorize. I contacted TransUnion and they refused to help me. I submitted an identity theft report. These inquires are not tied to an open account. Due to the fact that I have fraudulent inquires on my consumer report, I am unable to receive any lines of new credit. I cant no successfully apply for a credit card, an auto loan, etc because of the inquires on my consumer report that I did not give written or oral consent to obtain. According to Title 15 U.S. Code 1681 ( n ), under civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will submit documentation of a recently denied application from XXXX credit card. I was denied because of the fraudulent inquires reporting to my credit file.
Consumer complaint received 2021-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TX)

To whom it may concern, On or about the XXXX of XXXX, 2021, I opened online checking account with Citibank as I was switching from XXXX XXXX. On the XXXX of XXXX, 2021, I attempted to deposit XXXX XXXX closing check in the amount of {$910.00} to my Citibank account ( check number XXXX ). On the XXXX of XXXX, Citibank blocked my card and access to any information online. I called the bank and was advised that the check was flagged as fraudulent and the account is now in " the process of closure. '' However, the check was deposited - after many hours on the phone with Citibank they verified the check. Therefore, for absolutely no reason, Citibank cut me off from access to all the money I had including that of " fraudulent '' check. As of XX/XX/2021, I have not heard from Citibank and have not received the money - neither do I have an opportunity to check the status online. The situation significantly affected my XXXX plans and caused me to loose my car. 
I would appreciate any advise and help on this matter.
Consumer complaint received 2021-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I've had two accounts with XXXX card one dating back to XXXX and one dating back to XXXX. Since, I've had these open accounts with XXXX bank I've never had any delinquencies, no late payments or missed payments and have had a good relationship with this bank. I've gone through my XXXX, TransUnion, and XXXX credit reports and I've noticed incorrect information on my report concerning these accounts where XXXX this account has a late payment on XXXX in XXXX and XXXX that's been opened since XXXX had a late payment marked in XX/XX/XXXX that was 30 days. These are inaccurate, false reporting claims that they are making on my report which is severely impacting my credit to where I am unable to go for a mortgage. As a member of XXXX Bank and I still am for 5+ years this is very concerning and I'm very upset to be a victim of this.
Consumer complaint received 2021-12-15
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: PENTAGON FEDERAL CREDIT UNION (FL)

Continuation of existing complaint. On XX/XX/2021, Penfed made, unauthorized, improper and fraudulent change to my auto insurance and placed themselves on my auto policy as financer of the auto with improper loss payable information.
Consumer complaint received 2024-10-18
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)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Subject : Request for Removal of Inaccurate Negative Accounts Due to Identity Theft Dear Sir/Madam, I am writing to formally request the removal of several negative accounts that have been incorrectly reported on my credit report. These accounts are the result of identity theft, during which my personal information, including my Social Security number, was stolen and misused to open fraudulent accounts without my knowledge or consent. 

The following accounts are erroneously reporting negative information on my credit report : XXXX XXXX XXXX Account XXXX : XXXX Charge : Unauthorized charges Date : XX/XX/year> XXXX  XXXX. 
Account Number : XXXX Charge : Unauthorized charges Date : XXXX XXXX XXXX XXXX XXXX XXXX 
Account Number : XXXX Charge : Unauthorized charges Date : XXXX XXXX There are additional accounts that are attached documents. 

I have already reported the identity theft to the Federal Trade Commission and have attached a copy of my FTC Identity Theft Report, as well as proof of my identity, for your reference. 

As per the Fair Credit Reporting Act ( FCRA ), furnishers of information are required to ensure the accuracy and integrity of the information they provide to consumer reporting agencies. Given that these accounts are fraudulent, I am requesting their immediate removal from my credit report to prevent further damage to my credit score. I also request that the furnishers of these accounts be informed that these debts are the result of identity theft, and that they cease all reporting of this erroneous information to the credit reporting agencies. 

I have included the Notice to Furnishers of Information document, which outlines your responsibilities under the FCRA, including the obligation to investigate and correct inaccurate information. I trust that you will handle this matter with the urgency it requires and ensure that my credit report is updated accordingly. 

Please confirm receipt of this letter and notify me once the negative accounts have been removed. I look forward to your prompt attention and resolution of this matter. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX : FTC Identity Theft Report Proof of Identity Notice to Furnishers of Information
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Balance Owed : {$50.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX