davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRUIST FINANCIAL CORPORATION (TN)

On XX/XX/XXXX Someone fraudulently accessed my current lightstream online profile and applied for and took out a loan in the amount of {$25000.00}. This was deposited into an account I never use and do not regularly monitor and was somehow set up for auto payment out of this account which had been coming out without my knowledge until XX/XX/XXXX. XXXX never sent me notification through mail or any means at all of this loan being taken out in my name. I did not become aware of this fraudulent loan until when I became aware of other identity thefts in early XXXX in my XXXX and XXXX Bank accounts. This led me to discover additional thefts from XXXX, including this loan and another fraudulent transfer. We know the address of the person who committed the identity thefts and it is as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After discovering these identity thefts, I immediately placed fraud alerts on my XXXX credit reports, filed an identity theft report with the FTC and sent this information to all credit reporting agencies and creditors impacted. All other companies have responded and taken appropriate action on the accounts and inquiries that were a result of the theft. XXXX has failed to respond to my notices and apparently sent notice to the credit bureaus that they certified the account information was correct and added it back to my report. I am asking XXXX to please review the Identity theft reports provided to them and remove this account from my reports as it was opened as the result of identity theft and was not opened by me. Their unwillingness to cooperate is a violation of my rights and I expected more from this company. I have taken out 2 other loans with this company in the past and have had no issues. However, this loan was taken out fraudulently in my name under my account and I am not responsible for it.
Consumer complaint received 2024-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

XXXX XXXX thru XXXX XXXX XXXX XXXX Fraud not refunded Email from XXXX verifying fraud sent to bank ATM blocked Drive thru blocked from me Closed my account access No phone or lobby access XXXX in account I have no access
Consumer complaint received 2023-04-21
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. (MD)

I am submitting this CFPB Complaint to dispute the fraudulent items I notticed beiongreporting on my credit report. I recently received a copy of my credit report and was shocked to find that there are several items and information that I did not open and have no knowledge of. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID THEFT REPORT. The items in question are as follows : 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 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 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 I can assure you that I did not open these items or authorize anyone else to do so on my behalf. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-05-07
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo forced me into a short sell during XXXX, tried to work with the bank. I had to pay for a lawyer and deleted 401k to cover expenses. Wells Fargo, would not let me get a conventional loan and added a HELOC. The HELOC kept increasing making it impossible to pay and I could not switch to an alternative financing. Short sell hit my credit report and the 401k was considered a salary by IRS and had to pay additional taxes and penalties on the early withdraw.
Consumer complaint received 2023-03-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (TN)

I set up an account with Coinbase about 6 weeks ago. I moved {$26000.00} from my XXXX XXXX XXXXXXXX account into the Coinbase account. Coinbase froze my account and all types of transactions claiming XXXX XXXX XXXXXXXX had a hold on the funds. I went to XXXX XXXX  XXXX and met with XXXX XXXX  and they said that was false - funds were released to Coinbase over a month ago. I've emailed Coinbase over 10 times asking for an update or to refund my money. They continue to blow me off saying they are " holding '' my funds for another 4 to 5 weeks. This is not right and Bad Business.
Consumer complaint received 2023-09-15
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: ALLY FINANCIAL INC. (DE)

Hello, I am in serious need of help with some hard inquiries I would like to have removed due to the unauthorized and unverified inquiries placed on my report. Please get back to me as soon as you can.
Consumer complaint received 2023-07-08
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account Number : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX I am writing to dispute the validity of the account that has been reported on my credit report. The account is question is a charged-off account that has been reported by XXXX XXXX XXXX XXXX 
I am disputing this account based on violations of the Metro 2 credit guildlines. According to these guidelines, a charges off account should be reported accurately and fairly, and any inaccuracies or violations of these guidelines may result in the account being removed from my credit report. 
After reviewing my credit report and the information provided by XXXX XXXX XXXX. I have found several violations of the Metro 2 guidelines. These violations include : 1. Last Activity Date inconsistant across Credit Bureau 2. Remarks inconsistant across Credit Bureau 3. Times late inconsistant across Credit Bureau 4. Months reviewed inconsistant across Credit Bureau 5.Payment history inconsistant across Credit Bureau Based on these violations, I request that you remove this account from my credit report. I have already contacted XXXX XXXX XXXX and requested that they remove the account, they refused to do so. 
Please investigate this matter and remove the account from my credit report if you find that it has been reported inacurrately or in violation of the Metro 2 guidelines. 
Thank you for your attention to this matter. Sincerly,
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXXXXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX  XXXX Balance : {$17000.00} XXXX XXXX XXXX  XXXX Balance : {$17000.00}.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

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. 
**See Attachment, I have several accounts about 30 they are highlighted in Yellow 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. 

***I am not able to get a job in my career field or even buy a home for me and my kids. I am not able to assist my XXXX XXXX due to lack of income because of my identity fraud. This is hurting my life and my kids. I am a XXXX XXXX  and trying to live. Please remove this false negative information. Thank you
Consumer complaint received 2024-05-01
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC (CA)

I continue to get harassed by XXXX XXXX XXXX firm located : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I have received various calls from XXXX phone number regarding a collection, they continue to call from XXXX. Collection agency by the name JEFFERSON CAPITAL SYSTEM, contracted this law firm to continue to harass and push a collection that is non-existent there is no record of an account number or information I requested. 
Dates calls received in the XX/XX/year> : XX/XX/year> XXXX XXXX XX/XX/year> There is a report of a fraud collection of {$2200.00} on my credit report affecting my financial background, it is being reported with no other information like account number or my acknowledgment of this collection.
Consumer complaint received 2023-06-07
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. (NY)

I recently disputed these items listed and I don't believe a proper investigation was done. You have failed to properly investigate and remove these frivolous inquiries and have not provided validated proof of any findings that prove these inquiries was authorized by me. I request per FCRA requirements. These inquiries should be deleted immediately. I also attached a copy of the FTC report including these fraudulent inquiries.
Consumer complaint received 2024-05-02
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. (NY)

Experian was asked by XXXX to DELETE a XXXX XXXX on my credit report. 
Experian STILL HAS NOT DONE SO. This should be DELETED immediately. 

Please see the below complaints and responses : " As you can see from XXXX 's response in a previous complaint to the CFPB, XXXX ASKED EXPERIAN TO DELETE THE INFORMATION, so for Experian to deny the request goes AGAINST XXXX 's request. Please see below complaint # XXXX and XXXX 's response, which clearly indicates the request to delete the information. XXXX XXXX replied to the complaint ( CFPB Complaint # XXXX and XXXX ) that they had ask for Experian to delete this record on XX/XX/year>. For Experian not to follow the request of the reporting company, is UNJUST and should be UNLAWFUL, if it's not already. ''
Consumer complaint received 2023-10-12
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. (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.

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 2023-05-26
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)

I ask you kindly to delete this account since it is not mine since I am quite irate that they are showing up on my credit report. By letting me go through this, they really let me down, and I feel awful about it. I want the company to remove this as quickly as they can off my credit record. Definitely not mine!
Consumer complaint received 2023-08-05
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. (MD)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-02-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (IL)

XX/XX/23 XXXX answered call from Harris & Harris XXXX -He asked for me using my maiden name and I said yes that is me, but I haven't used my maiden name in 30 years. 
-Caller then proceeded to say they were calling from a debt collection agency. 
-I asked regarding what. He wanted my birthdate to confirm identity, which I refused to give stating I would not provide based upon identity theft concerns. 
-I was able to get the practice and physicians name for the supposed debt and informed him I have never heard of that physician ( XXXX XXXX XXXX XXXX XXXX XXXX and I have never been to a Northwestern Medicine facility. He proceeded to say yes you have because your insurance paid the claim, you haven't paid your part. ( I followed up with a call to my insurance and they did a search, not finding claims from that doctor nor XXXX XXXX. ) -I demanded that he send me a copy of the information so that I can dispute the claim and he said 'we already sent it to you ' and hung up the phone.

I have a legal right to the information since they are accusing me of owing a debt and they are not providing the information so that I may clear my name.
Consumer complaint received 2024-07-12
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc. (NC)

Diversified Adj Serv Inc at XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX who collect debt for XXXX. I had XXXX service for 1 month and was dissatisfied and ported my XXXX lines out back to XXXX in XX/XX/XXXX, I paid my last bill of {$270.00}. Apparently, I had a free line by XXXX that was not requested and was continuing to bill unknown to me. I had XXXX personal & XXXX business line. There is no need for XXXX line. I never received in correspondence from Diversified Adj or XXXX. Today XX/XX/XXXX reviewed a credit alert and seen the collections account listed and reported as delinquent When I called XXXX the address on file was over XXXX  years ago not sure how that is??? I had no idea XXXX was billing for service I did not have!
Consumer complaint received 2023-09-28
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. (MN)

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 2023-05-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: U.S. BANCORP (KY)

on XX/XX/2023 USBank took XXXX dollars out my account due to someone stealing my check we have pressed charges on her we going to court for it > but due to us bank taking it out my XXXX account it shut my account down I lost my account an i have over XXXX XXXX  threw up in the air cause u won't give it back the check that ya let her come in there an cash it stats on the back of my payroll check deposit only for chase an ya allowed her to come in there cash it again.my bank has send numerous complaints in a nothing getting done. due to XXXX XXXX XXXX being my employer 's banker, nothing is getting done. i have hired a attorney for this because this isnt my fault an no one wants to give my money back look on the check it says only to chase to be deposited an ya let her cash it again on XXXX XXXX an we deposited on XXXX
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have a loan for XXXX {$90000.00} that is removed in the amount but no action from the bureau to elevate my credit. in fact within a five day period my credit score was decreasing 6 times causing a depleted opportunity to refinance. I was misleaded and told to contact FICO. which is another paid agency and I already pay for Experian. The report reflects that my credit usage is 104 % and thats a false depiction. I have never had a credit score over 620 and I have satisfied extreme debt and sought out a credit fixing company. ALL THREE BUREAUS ARE REFLECTED I am affected
Consumer complaint received 2023-04-19
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)

Account name : XXXX ( XXXX XXXX XXXX ) # XXXX, Account name : XXXX 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.
Consumer complaint received 2024-05-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TD BANK US HOLDING COMPANY (MA)

I received a letter on XX/XX/year> that stated I was past due on an account that was discharged in bankruptcy 2 years ago ; I spent about 2 hours on the phone with TD Bank Retail Card Services trying to get the account resolved and they kept asking what I wanted to do? Make a payment, etc. For about {$1400.00} and want a monthly payment of {$82.00}. They stated they did not see the bankruptcy noted on the account ; then after 5 minutes they found it after I stated it was on my credit report. 

I was then blindly transferred again to another individual