davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

I am writing to express my deep concern and frustration regarding the ongoing battle to recover my identity and the credit bureaus refusal to remove inaccurate information from my credit report. Despite providing you with an identity theft report, and informing you about the Data breach with XXXX the incorrect items remain, severely impacting my ability to secure housing and obtain financing. 
I have made numerous attempts to address this issue through various channels, including filing a complaint with you the Consumer Financial Protection Bureau ( CFPB ), in the hopes of finding a resolution. However, the lack of action and assistance from the CFPB has led me to take the necessary steps towards pursuing help outside of the CFPB I have provided you with the appropriate documentation to support my claims. I expect that as a Protection Bureau, you adhere to the highest standards of accuracy and fair reporting from these credit bureaus. 
Please consider this letter as my final attempt to resolve this matter amicably before pursuing legal action. I look forward to a swift and satisfactory resolution to this situation and expect your prompt response.
Consumer complaint received 2020-02-09
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}, {$5500.00}, {$3700.00}, {$1800.00}, {$8000.00}, {$5000.00}, {$2500.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) --  OPEN ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2500.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5500.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3700.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1800.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8000.00} -This is not my account. 

6. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

7. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2500.00} -This is not my account.
Consumer complaint received 2017-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

On  XXXX   XXXX ,  XXXX  I received a letter from lender,   XXXX   XXXX   that the ownership of my loan was being transferred to   XXXX   XXXX  , but that they would continue to service my loan.   On  XXXX   XXXX ,  XXXX  I received a letter from  XXXX  that the service of my loan was being transferred from  Fifth Third Ba nk effective  XXXX ,  XXXX ,  XXXX . This letter did give me an address to send in payments, but no  Fifth Third Loan  number.   It is now  XXXX   XXXX ,  XXXX  and I have yet to have received anything from Fifth Third about their servicing the loan, I reached out to them to get a loan number but I have nothing from them to show that this is the correct number, additionally I went to their web site to try and make the  XXXX  payment and it did not recognize the loan number I was given.   Today I will get in my car  and drive   XXXX  miles each way to try and make the loan payment in person all because  Fifth Third  did not do their job of servicing my loan in a timely fashion.   Clearly, I and other members of the  American p ublic have other ways to spend my time then to deal with failure of  Fifth Third  Bank to do what    XXXX   XXXX     pays them to do.
Consumer complaint received 2017-03-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (KY)

Carrington Mortgage is trying to charge for any payment for a mortgage other than an automated payment. I have never missed or been late for a payment and make them online. I do not wish to use their automated payment system as I do not want my information stored on their servers. Please help!
Consumer complaint received 2023-03-04
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: WELLS FARGO & COMPANY (CA)

Improper use of your report 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose In Accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2017-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (CT)

In  XXXX     2017,  I requested that  American Express  issue my girlfriend an additional American Express Platinum card so that she would be an authorized user on my account. My girlfriend was issued an American Express Platinum card on my account in    XXXX     2017,   but the account was never a joint account and she never agreed to be liable for any charges on my primary account. My girlfriend also never incurred any charges using the newly issued card. Nevertheless, in  XXXX   2017, we le arned that  American Express has reported to the credit bureaus that my girlfriend had an open account with American Express and that her account had a sizeable outstanding bal ance, which balance was actually the balance that I owed on my primary card account. My girlfriend had no legal responsibility  whatsoever for the account balance reported by American Express to the credit bureaus on my girlfriend 's credit report. This inaccurate credit bureau reporting materially and adversely impacted my girlfriend 's credit score. Further, when American Express was notified of the error, they indicated that it would take over 3 weeks to correct the error to my girlfriend 's credit report. In my view, this should be a clear violation of the Fair Credit Reporting Act or, at a minimum, be deemed an Unfair, Deceptive or Abusive Act or Practice and American Express  should be required to correct such errors immediately.
Consumer complaint received 2023-01-03
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: LEXISNEXIS (NV)

I did not give permissable purpose for the following hard inquiries on my credit reports. Please remove them immediately.. 

Do not put a fraud alert on my report. I will lock my reports once the online profile logins are open. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 UNABLE TO GET THROUGH TO TALK TO ANYONE ABOUT REMOVAL, THERE IS ALWAYS AN ISSUE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harpeth Financial Services, LLC (ID)

I received a letter in the mail after moving from XXXX, XXXX to XXXX, XXXX. It was dated XXXX, XXXX, XXXX. I did not receive the letter until after the New Year. 

After I opened the letter I needed more information. It stated that I owed, {$2300.00}. 
At this time I began researching what I could do as I couldn't trust that I somehow owed a company, $ XXXXThere was nothing on my credit report file on this debt and it stated that, " Your account with Advance Financial is severely delinquent '' On XX/XX/XXXX I sent a debt verification letter through certified mail and it was delivered to the address : Advance FinanciaXXXX Customer Retention, XXXX XXXX XXXX XXXX, TN XXXX on XX/XX/XXXX. I received no verification response from the company via mail or other form of communication. 

I then called the company phone number, XXXX, on XX/XX/XXXX. They had all my personal information on file including my social security number. I then request them to remove the debt from my social security number because they did not respond to my debt verification letter within the legal timeframe of 30 days. I stated that they did not meet the debt verification laws and they must remove the debt from my name. They refused to remove the debt, asked me to email them documentation and I completed their request on XX/XX/XXXX immediately after the phone call. 

I emailed them copies of the USPS stamped certified mail receipt, the verification letter that was sent, the tracking number of the mail that was sent, and I did not get a response. It is now almost to the end of XXXX and they refuse to remove the debt as they are legally responsible to do.
Consumer complaint received 2023-01-03
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: EQUIFAX, INC. (CO)

In accordance with the Fair Credit Reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

All accounts listed below have violated my rights Account XXXX. XXXX XXXX XXXX XXXX XXXX, account number : XXXX, collection agency : XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX  XXXX, account number : XXXX, collection agency : XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX, account number : XXXX, collection agency : XXXX Account XXXX. XXXX, account number : XXXX, collection agency : XXXX XXXX XXXX  Account XXXX. XXXX XXXX, account number : XXXX, collection agency : XXXX Account XXXX. XXXX, account number : XXXX, collection agency : XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX account number : XXXX Account XXXX. XXXX XXXX XXXX, account number : XXXX, collection agency XXXX XXXX XXXX XXXX  Section XXXX XXXX section XXXX A states I have a right to privacy Section XXXX XXXX Section XXXX A Section XXXX also states a consumer reporting agency can not furnish a account without my written instructions Section XXXX XXXX. ( a ) ( XXXX ) section states no consumer reporting agency XXXX make any consumer report containing any of the following forms of information any other adverse item information other than records of convictions of crimes Section XXXX XXXX ( A ) ( XXXX ) 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 Section XXXX XXXX ( XXXX ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates
Consumer complaint received 2023-02-13
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. (NC)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-03-01
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. (ME)

In accordance with the Fair Credit Reporting act. The List ot accounts below has 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

XXXX continues to report incorrect and inconsistent information to the credit bureau. I have disputed the account a few times and each time they come back with a different credit history : They information is consistent and all three credit bureau show different payment history
Consumer complaint received 2021-01-22
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. (PA)

XXXX XXXX XXXX Balance : {$810.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX ) XXXX Balance : {$650.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXXXXXX XXXX Balance : {$650.00} - Your records are revealing conflicting and incorrect information compared to other bureaus. 

XXXX ( Original Creditor : 11 XXXX ) XXXX Balance : {$160.00} - In this collection, there should not be any outstanding bills as ALL bills are covered under my compensation insurance. This is inaccurate. Please provide me with a breakdown of the fees or delete this. 

XXXX XXXX Balance : {$180.00} -This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this.
Consumer complaint received 2021-02-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NV)

XXXXXXXX XXXX XXXXXXXX Dispute not available EFX Help mark icon EQUIFAX has opened a dispute on XXXX XXXX  Consumer NEVER asked Equifax to open a dispute. 

Consumer has NO ISSUES, NO PROBLEMS with XXXX XXXX  Equifax is ruining consumers credit history, by FRAUDULENTLY opening a dispute on the account above.
Consumer complaint received 2023-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (SC)

I was involved in a job scam from XXXX. They sent me money in check form to deposit to my account. There were XXXX different checks that needed to be deposited so that I could provide money to vendors for equipment and materials. The first check was for {$2400.00}. There was only a 48 hour hold on the check and then the funds were released. The 2nd check was for {$2500.00} and those funds were also held only for a brief time and then released for usage. The institution, TD Bank did not validate the funds of those checks before releasing them to my account for usage. They released them with only a short hold so that these fraudulent checks were available. Had I not had access during the period of the scam that I was involved in, convincing me I was getting paid for this great work from home position, I would never have been able to send the funds to the random " vendors '' I was instructed to. TD Bank did not do their due diligence in verifying any of the information prior to release. I have had checks in the past held for many more days that were in fact legit and had to be verified ( anywhere from 5-7 days minimum )! I tried to go into the branch when I realized what had happened on XX/XX/23 and although I was scammed, they told me it was fault and I would be held responsible for the funds I already released to these various vendors. This bank should never have released those funds to me and instead should have only charged a return check fee ( which they have now done but also included the high amounts I now have to pay back to the institution ). TD Bank needs to be held accountable for there lack of being able to identify a fake check. I was a victim of fraud and am now thousands of dollars negative in my account which could have been avoided if they had never released the funds to me.
Consumer complaint received 2016-02-02
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Essential Retrieval Group (FL)

I was contacted by a lady name XXXX XXXX from XXXX XXXX XXXX ( A XXXX XXXX XXXX ) about an alleged account ( credit card debt ) that is in my name with XXXX. The account was opened in XXXX she said and that I was the account holder so I am liable for the debt because the account holder ( which is allegedly me ) stopped making payments in XXXX. First o explained to her that account does not belong to me, then it turned out that I was added by my dad as an authorized signer, but I was not the primary holder. Then XXXX XXXX checked on the account were she verified that I was an authorized holder but she remained reiterated that I am held responsible financialy for the account were I am not the account holder, my Dad is which he passed away last year. 
She contined to say that she is sending a complaint to the police department stating that i am attempting to defraud a financial institution, which ironically that account is with XXXX XXXX XXXX and I work for XXXX XXXX XXXX where nothing showes under my name unpaid. 
please let me know how I can move forward with this. 

Thank you.
Consumer complaint received 2023-01-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION ()

I have a Checking Account with Truist Bank A/C number XXXX. I originally opened this account with XXXX Bank which sold its retail operations to XXXX XXXX XXXX  which was acquired by Truist. 
I moved to XXXX in XXXX, but still maintain this checking account at the Bank. I transacted as recently as XX/XX/XXXX, but when I tried to transact this past week, I couldn't. 
I called the bank to understand why I wasn't able to transfer money from my account, I was told the account had gone dormant. 
I used XXXX service XXXX to transfer {$10000.00} to my nephew in XXXXXXXX XXXX for his term fee and living XXXX verified that I had enough money in my checking account but they are unable to get the funds because Truist has deemed my account dormant. 
They refuse to change the status to active unless I visit a branch, which I am unable to do because I am in XXXX. The only other option thay are giving me is to have someone in the XXXX to go to a branch and I add them as a joint account holder through phone while they are at the branch. This is not possible either. 
Now XXXX has refered my account to collections which is humiliating as I have never been delinquent or at default before. I am afraid that my credit history will be tarnished.
Consumer complaint received 2021-02-04
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. (MI)

I have made effort after effort to contact TransUnion ( via phone and mail ) regarding the incorrect information reporting. I have sent letter after letter, the most recent being XX/XX/XXXX, certified, in which NONE of them have responded to. Please see attached. The information that is reporting is incorrect and has shattered my dream of home ownership. Please see attached documents. I have attached my phone records, the letter that was sent and receipt from the USPS of tracking info with the dates received.