davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Accounts Opened Due to Data Breach Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding several unauthorized accounts that were opened in my name as a result of a data breach. I have already reported this issue to the Federal Trade Commission ( FTC ) and would like to ensure that my situation is also addressed by your office. 

Details of the Complaint : I learned that my personal information was compromised due to a data breach involving Equifax and other business entities. As a result of this breach, several fraudulent accounts were opened in my name. 

FTC Report : I have filed a report with the Federal Trade Commission ( FTC ) regarding this matter. The report was submitted on XX/XX/year> and is documented under the FTC Complaint Numbers : XXXX Details of Unauthorized Account : Account Name/Number XXXX : XXXX XXXX XXXX Acct XXXX XXXX Contacted the affected creditors to dispute the fraudulent accounts. 
Requested a credit freeze with Equifax, XXXX and XXXX. 

Requested Resolution>>> I respectfully request that the CFPB assist me in : Ensuring they are REMOVED from my credit reports IMMEDIATELY as they are negatively affecting my credit profile and causing me to be denied credit. 

I have attached copies of relevant documents, including my FTC report, and correspondence with the affected creditors/bureaus. 

>>I have tried NUMEROUS times to have Equifax PROPERLY investigate these accounts but they keep saying that they are verified which can't be true. I have also requested detailed summaries of their methods of verification which they refuse to provide me as well.<< Please let me know if you require any additional information. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

XXXX XXXX XXXX :
Consumer complaint received 2024-10-24
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (FL)

XX/XX/XXXX Goldman Sachs ( GS ) closes the account in which I deposited {$100000.00} from XXXX XX/XX/XXXX I contact and confirm funds will be refunded. 
XXXX Goldman confirms receipt of my written complaint XX/XX/XXXX Goldman advises the account is open and funds are returned. They reopened the GS account. 
XX/XX/XXXX or thereafter, Goldman posts a {$25.00} goodwill credit and I inquire about the cause for the closure and wire transfers. 
XX/XX/XXXX I request a closure of the account and wire transfer to XXXX. 
XX/XX/XXXX Goldman advises that XXXX returned the funds due to incorrect name/account number. 
XX/XX/XXXX XXXX states the wire had both my name & address in the field, which their system doesn't recognize, so it bounces back. they also advise of a GS account number which doesn't match GS bank data. 
XX/XX/XXXX As I request a rewire, I am advised that the early withdrawal fee is doubling and front office will request appeal. 
XX/XX/XXXX Outcome is still pending. Closure is pending the appeal of early withdrawal penalty.
Consumer complaint received 2024-10-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (MA)

On XX/XX/year> I entered into a repayment agreement to catch up on mortgage payments because I had fallen behind. The agreement stated that I would make XXXX payments over the following 6 months. I made each of those payments. In XXXX I had lengthy conversation with the mortgage company about this repayment agreement because I wanted to ensure that all payments would be made and brought up to date so I wouldnt possible lose my house. The point of contact I spoke with at the time explained that the XXXX payments during the repayment period would have extra escrow payments because of the deficient in the escrow account at the time. He stated that the additional payments would be applied to the balance of the loan. 
At some point the mortgage was transferred and even though I made all my payments as agreed upon the new mortgage company refused to honor the repayment terms. In the terms of the repayment it stated that a modification would be approved at the end of the repayment period, shellpoint denied the modification. Shellpoimt also refused to apply the extra payments to the balance of the loan. I have tried to call them for months to rectify this situation. I have called them at least XXXX times over the past few months and no one has ever returned any of my phone calls. At this time my escrow has an overage of {$7500.00} and even though the analysis states shellpoint owes me this money back they refuse to apply it to the outstanding balance of {$3800.00}. The escrow has been accruing because they keep using the repayments as my regular payment. The repayments include an extra {$300.00} a month going into escrow and each time I make a payment the escrow grows and grows. I have tried asking them to apply it to principle to help me catch ip but they refuse. 
Basically, all the payments I made should have put me 3 months ahead of the loan but because the company refused to stop applying these extra funds to the escrow. I have been dealing with this since XXXX and no one has bothered to help me resolve this problem. Customer service just keeps opening tickets but I never hear back and then when I call the tickets have been closed with no response. I am besides myself trying to resolve this issue. I have paid back all the outstanding plus some but somehow Im still 3 months behind. I have a copy of the repayment agreement and according to that document this shouldve been all set in XXXX. Its now almost XXXX and no one has even refurned XXXX of my phone calls or complaints. 
And on top of it, they send me foreclosure threats every week but Im only 2 months behind at this point and every month I am trying to make up the deficit, even though all the money has been paid back its just sitting in an escrow account. Please help!!!
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have violated my rights.

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information in inaccurate.
Consumer complaint received 2024-10-30
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Tan Oak Financial (IN)

A gentleman by the name of XXXX XXXX ( XXXX ) XXXX called stating he represented the check fraud department at a law firm that was brought on by Tan Oak Lending and the following occurred during the call : XXXX ) refused to provide any documentation of the Debt so I could verify it on my end. 

XXXX ) stated he was going to recommend charges of check fraud. 

XXXX ) Stated that he spoke to my ex-husband who I have been divorced from, for over a decade. Then told me he said I was emotionally unstable. This is after I requested he NOTspeak to him because he was abusive and I didn't want him to know my location. He confirmed that he told him I still lived in XXXX 

XXXX ) Information recited to me over the phone include the dates, amount, and address and other info was not correct. 

While I am aware that this was likely a scam, if it is legitimate several thing he did were highly inappropriate.
Consumer complaint received 2024-10-31
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. (GA)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :
Consumer complaint received 2023-06-17
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX ( Account # XXXX ), XXXX XXXX Bank ( Account # XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ), has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-01
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. (AZ)

They said I have the following loans XXXXXXXX Loan IDs XXXX, XXXX, XXXX, XXXX all of these on an XXXX  Virtual Cards. I never received any paperwork or documentation of any kind. I never signed anything. I dont even know what a Virtual Card is. I just was getting text and e-mails saying my payment was due on the XXXX to text a code to charge these and just listed the last XXXX numbers of a credit card numbers which I dont having any credit cards with any of the the numbers they had listed. I thought this was a scam so I ignored it. They say these loans were taken out on XXXX. They started the texting and e-mails I believe it was either XXXX or XXXX. I didnt start paying attention to this until they reported to Experian for delinquent account. I contacted them with the help of an agency I have a membership in called XXXX. XXXX did a 5 day investigation and is still claiming these are my loans which is not true. I used an XXXX in the past to pay for a hotel in XXXX payments, but it was drawn automatically out of my bank account. This has already severely effected my credit rating on Experian. I went from a XXXX down to a XXXX.
Consumer complaint received 2024-10-31
Product: Credit reporting 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. (FL)

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Here I attach, along with the dispute, my fraud report that I just sent to EXPERIAN for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Consumer complaint received 2023-11-10
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (PA)

I received a gift card on XX/XX/23 in the amount of {$200.00}. When it was first attempted to use the card online at XXXX it was declined. I later learned, after I checked the card balance online, that the funds on the card had already been spent on XX/XX/23 at XXXX  even though neither my Wife and I had used the card. 

I called the support line on the back of the card ( XXXX ) for assistance and I was told to submit a claim and the company would look into it. I submitted a copy of the receipt, a copy of my license, and a picture ( front & back ) of the gift card in my email to XXXX with XXXX # XXXX on XX/XX/23. 

I called the support number again today XX/XX/23 and they informed me they never received the documents and to email them again. I had them confirm the email address again and they stated the exact same email address I had previously sent the information too, XXXX. 

With my new suspicion, I did some quick digging on the internet ( XXXX XXXX XXXX, etc ) and found what looked like hundreds of cases of other people complaining about the same issue of receiving VanillaGift.com Gift cards with the funds already gone.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was recently contacted by a lender called XXXX XXXX, they claimed i had applied for some sort of home improvement loan i had no knowledge of. 
After i was made aware of this I requested all documentation and all signed agreements they said they had, I have yet to hear a response. I pulled my credit reports and noticed that the loan was fraudulently reporting on my consumer file on ( Transunion ). I have reached out to Transunion and was told to submit a Fraud affidavit and police report for Identitty Theft. This bureau has failed to block or remove the fraudulent account and now has damaged my consumer file and my credibility. I am seekimg damages under the FCRA immediately and this crime committed against me to be resolved.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report.

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the XXXX, Experian, and XXXX data breaches, which makes me even more worried about how my personal information is being handled.
Consumer complaint received 2024-10-31
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. (IL)

I have filed a dispute for a public record that is listed in my credit file. However, the courts do not provide any information to credit bureaus or the third-party service they utilize, XXXX XXXX, which does not have any public records listed within my records. 

Experian has declined to conduct a thorough investigation to remove the disputed record.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have no public records linked to my credit report, and this discovery is unacceptable. I urgently request that you remove these entries to alleviate the significant XXXX  and distress they are causing me.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (CO)

In late XX/XX/year>, I received a phone call from a number that appeared to be Navy Federal Credit Union ( NFCU ). The caller claimed that my account had been compromised and requested my personal information, including my Social Security number and date of birth, to resolve the issue. Trusting the legitimacy of the call, I provided the requested information. Unfortunately, the caller was a scammer who used this information to open a fraudulent loan in my name for {$4900.00}. 

As soon as I realized what had happened, I immediately reported the incident to NFCU and filed an identity theft report. NFCU took some steps to secure my account, such as changing my debit card, but despite my actions, NFCU has held me responsible for repaying the fraudulent loan. I have been making monthly payments on this loan, which has caused significant financial stress. 

I believe this fraudulent loan has been incorrectly reported on my credit report, and NFCU has not adequately addressed the issue, leaving me unfairly burdened with this debt. 

I am seeking assistance in having this fraudulent loan removed from my credit report and relieved from any further obligation to repay it.
Consumer complaint received 2023-04-09
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.