davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-21
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. (MO)

I am writing to bring to your attention my ongoing dissatisfaction with the handling of fraudulent items on my credit file. Despite multiple attempts on my part to rectify the situation, the fraudulent items persist, and I find the repeated lack of resolution to be unacceptable. 

Clearly outline the nature of the fraudulent items, including dates, amounts, and any relevant transaction details. 

Provide a brief summary of the steps you have taken to address the problem so far, including dates and methods of communication with the company or service involved. 

If applicable, mention that you have attached any supporting documentation, such as screenshots, emails, or correspondence related to the fraudulent items and your attempts to resolve the issue. 

Describe the impact the unresolved fraudulent items have had on you, whether it be financial stress, inconvenience, or any other relevant consequences. 

Clearly state your expectations for resolution, whether it be a full investigation into the matter, a refund, or any other appropriate action. 

Specify a reasonable deadline for the company or service to respond to your complaint and take corrective action. 

I am asking for your assistance to remove the fraud items : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
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: OLIPHANT FINANCIAL, LLC (CA)

I was a victim of identity theft. The thief/thieves were able to take out credit cards in my name as well as open bank accounts and obtain personal loans without my knowledge. I have been writing to the XXXX XXXX XXXX  XXXX XXXX as well as XXXX XXXX and XXXX regarding this issue on and off for about two years. 
XXXXXXXX XXXX is reporting a charged off account of {$0.00} on my credit report, XXXX {$6500.00} charged off account, XXXX XXXX {$0.00} charged off account, XXXX XXXX {$0.00} charged off account. I have requested multiple times for validation and verification to be sent to me from these creditors showing proof that these accounts were in fact opened by me, since they have been reporting these on my credit report for the past few years hurting me financially. I have let them know that there were multiple names and addresses that did not belong to me, which most of them the bureaus have removed, but there is still a variation of my name that i have never been associated with that remains. I have also been in touch with the 3 bureaus begging them to investigate and request proof of these accounts with no luck, seems that my rights as a consumer are being violated, hence the reason I am reaching out to the CFPB for help in this matter.
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: Applied Data Finance, LLC (CA)

I was a victim of identity theft. The thief/thieves were able to take out credit cards in my name as well as open bank accounts and obtain personal loans without my knowledge. I have been writing to the commenity bank, XXXX XXXX XXXXXXXX as well as XXXXXXXX XXXX  and Personlify regarding this issue on and off for about two years. 
XXXXXXXX XXXX is reporting a charged off account of {$0.00} on my credit report, XXXX {$6500.00} charged off account, XXXX XXXX {$0.00} charged off account, Personify financial {$0.00} charged off account. I have requested multiple times for validation and verification to be sent to me from these creditors showing proof that these accounts were in fact opened by me, since they have been reporting these on my credit report for the past few years hurting me financially. I have let them know that there were multiple names and addresses that did not belong to me, which most of them the bureaus have removed, but there is still a variation of my name that i have never been associated with that remains. I have also been in touch with the 3 bureaus begging them to investigate and request proof of these accounts with no luck, seems that my rights as a consumer are being violated, hence the reason I am reaching out to the CFPB for help in this matter.
Consumer complaint received 2023-02-14
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: Foursight Holding LLC (NC)

XXXX, XXXX, XXXX & FOURSIGHT CAPITAL fraudulently reported an inquiry on my credit report in violation of 15 USC 1681 ( a ) ( 4 ) and 1681b ( a ) ( 2 ). I have never given FOURSIGHT CAPITAL, XXXX, XXXX nor XXXX written permission to disclose any information contained in my consumer credit file. They have all blatantly violated the law and thereby have violated my rights as a consumer to be free from this type of financial, economic and mental abuse.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BSI Financial Holdings, Inc. (WI)

Our mortgage is set up with auto-pay. We pay {$1100.00} on the XXXX of each month for a payment that is {$1000.00}. We have been doing that for at least XXXX months. 
Apparently the mortgage lender ( BSI ) sent us letter ( s ) starting in XXXX, XXXX stating they did an escrow analysis and we were to pay more towards the payment until the shortage was cured. It wasn't until XXXX, XXXX that we received and reviewed that letter, and called BSI to clear up the escrow shortage. We recently had our credit pulled to apply for a new mortgage and we were told by our mortgage loan officer that we had 5 late mortgage payments from XXXX, XXXX through XXXX, XXXX. We never received ANY letters from them until XXXX, XXXX, and when we did, the shortage was cleared up immediately. BSI has no proof they sent or we received their letters. They did not send them via certified mail. BSI said they left us numerous voicemail, but my wife and I never received a voicemail. All we know is that the payment was made every month via auto-pay, and we were unaware there was ever a shortage until XXXX, XXXX when we did get a letter from them via US Mail . We are requesting they remove ALL late mortgage payments from XXXX, XXXX, XXXX, XXXX of XXXX and XXXX of XXXX.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (KY)

In accordance with the fair credit reporting act Discover account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681Section 604 A section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 166b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-08-30
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

Amount : {$5000.00} I sent a letter to the debt company regarding to this wrong collection record on XX/XX/2023. However, I haven't receive any feedback from the debt company yet. 

I never live in this community before, so the debt collection record is unacceptable. I talked to the staff from the community, they confirmed that there was another person 's name exactly the same as my name.
Consumer complaint received 2023-09-20
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. (NY)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-11-20
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (CA)

I have a financial situation where I had to use my lines of credit on my credit card. 
We had to use those credit lines for a long time and pay the minimum for some time with some delays. Through time we have reduced all the credit card debt but the reduction of the credit card limit and high utilization of my credit has impacted my credit score. A couple of months ago wrote to the CEOs from XXXX XXXX, XXXX and XXXX which are my main credit cards and explained the situation that need to increase my line of credit to stop the high utilization of my credit line. I explain to them the situation and ask them to do something about my credit limit. I have between the three companies a Line of credit of around XXXX USD including some others and now I have only XXXX XXXX between the three. All this has impacted my credit score. I have never defaulted or filed for bankruptcy. I have paid every penny owed to all the credit card companies and banks but their justification is the use for a long time of the line of credit.

I find this unacceptable since they have all the lines of credit I have during my whole credit card history and they have received all their money. I would expect the credit card companies to recognize they have received all their money and at least restore half of my previous line of credit to reduce to acceptable levels of credit line utilization and increase my credit score to normal levels.

I want the credit card companies to help me reduce my high usage credit utilization to restore my credit score to good.
Consumer complaint received 2023-11-21
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. (GA)

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than XXXX XXXX days. Ive already included this in my previous Complaint & I am including it again., 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 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  Balance : XXXX ; XXXX XXXX Balance : XXXX ; XXXX XXXX XXXX  XXXX Balance XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  Balance : XXXX ; XXXX XXXX XXXX  XXXX XXXX Balance : XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : XXXX ; XXXX XXXX XXXX XXXX Balance : XXXX  ; XXXX XXXX XXXX XXXX Balance : XXXX XXXX  XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX  XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : XXXX  ; XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX  XXXX XXXX XXXX  Balance : 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 XXXXXXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX : XXXX. XXXX, XXXX ; XXXX Inquiry XXXX XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX.
Consumer complaint received 2024-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

I deposited my tax refund check in the amount of XXXX on XX/XX/XXXX chase bank restricted my account saying they cant release funds until they verify my check with the irs but chase has already taken their money out so I know this to not be true they said funds will be available on XX/XX/XXXX now its restricted I work hard for my money and it is very unethical what they are doing
Consumer complaint received 2018-11-26
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: EQUIFAX, INC. (IN)

I have recently checked my credit report because I was getting notifications of inquiries being reported or added to my report, I was ignoring them at first because I didn't understand what they were saying, I recently checked XXXX XXXX it told me I had 35 inquiries with XXXX and 13 with Equifax along with XXXX none of which I applied for credit, or gave consent to financial institutes to run my name or social. Im not really sure how this came about but I would like to get it resolved in a timely fashion. I am attaching the police report along with this complaint in regards to the inquiries that were ran without my knowledge or consent.
Consumer complaint received 2023-11-21
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. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2023-11-21
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. (NV)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be deleted from my file right away 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 2023-11-19
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. (MA)

I use Aidvantage. On the online portal, the information provided indicates that if I use autopay, then the " amount due '' always displays as {$0.00}. I set up autopay for my loan in the weeks before payments resumed in XX/XX/2023. However, Aidvantage did not autopay my loan for either XX/XX/2023 or XX/XX/2023 ( my monthly due date is on the XXXX of each month ). 

I have tried calling the Aidvantage customer service line on two occasions over the past 2 months, but I am never able to speak to someone even after being on hold for upwards of 20 minutes. I do not want to make manual payments and then have Aidvantage take another month of payments from autopay, and even though I set up autopay I am still being charged interest on two monthly payments that were supposed to be applied but never were. I get a benefit of a slightly lower interest rate for autopay that I do not want to lose. 

Combining this with Aidvantage not picking up the phone and displaying my loan as being up to date on payments, even though Aidvantage is not charging me, makes me extremely worried about compounding interest.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (SC)

I have contacted early warning services for months and still they have not deleted the fraud bank accounts that were open up in my name XXXX XXXX XXXX, XXXX XXXX and all the XXXX XXXX and XXXX XXXX  accounts all are fraud. I have sent police reports several times the banks did not do a fully investigation. I have included new evidence signatures in front of notary and a new police report.
Consumer complaint received 2023-11-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I hope this letter finds you well. I am writing to bring to your attention a matter of significant concern regarding the persistent presence of fraudulent accounts on my credit report, specifically with your bureau. It has come to my notice that, despite successfully disputing and having these accounts removed from my credit reports with other bureaus, the same fraudulent entries continue to exist on the report maintained by your agency. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 
The swift action taken by these bureaus in removing the entries further underscores the veracity of my claims. It is perplexing and frustrating that your bureau has not taken similar corrective measures, especially when other credit reporting agencies have acknowledged and rectified the issue promptly. The inconsistency in reporting across bureaus is not only confusing but also damaging to my financial reputation.
Consumer complaint received 2016-06-28
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Data Check of America LLC (GA)

Datacheckofamerica.com has made repeated calls to my phone. About 7 or 8 calls per day. When I answer, they say it 's on a check I wrote back in the 1990 's, a debt that may be close to 20 years old. However, they can not provide me the verification of debt nor any other relevant information except the credit union I banked with at the time. Furthermore, the recording says they are issuing a wage garnishment if I do not pay something even though they have not provided me with any information or any verification of debt and even though according to them it 's a very old debt.
Consumer complaint received 2024-04-17
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. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (PA)

The FBI XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX was on the phone when the representative from Navy federal credit union opened an account that my sister in Va sponsored. 

XXXX XXXX XXXX the vice president of membership mailed me XXXX checks and XXXX were stolen XX/XX/2023. 

I reported the checks stolen. 

I was forced to sign a navy federal membership agreement and tax id certification. 

I was approved for a bank account then went in person to deposit my money. The FBI sent decoys into the branch per my calls to them at ( XXXX ) XXXX. I was told at XXXX XXXX XXXX XXXX XXXX XXXX XXXX by the white teller that due to the color of my skin and me being a XXXX educated woman. I WAS also called a XXXX and unfortunately XXXX can not open any accounts. 

I called ( XXXX ) XXXX, I mailed the check as requested to open the account and I havent received anything yet from Navy Federal credit union.
Consumer complaint received 2023-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (AL)

I had not used my checking account in a very long time. Maybe a 7 to 8 months. 
I had less than {$10.00}. In the account and the bank never took funds. 

However I put money in my account so I could pay my mortgage. Soon as the funds was put in they took the {$800.00} Without warning. No notification sent to my phone. Normally I get a notification for everything from this bank. Randomly took the funds and said it was because of a credit card that was closed a year ago. 

The funds are not put back, they did not care the funds was for my mortgage. Now I'm a month behind. When I trusted a bank to protect me. They go and do this. I really needed that money. Now I have to figure out what I'm going to do to try and pay my mortgage, food ect. Why take funds now? Why not take funds the other months? Waited and took money causing a hardship