davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Equifax show this closed accounts as having new missed payments every month. 

XXXX XXXX XXXX XXXX, {$5400.00}, Paid, closed - XXXX charge-offs This account was closed and charged off years ago. 

It is not an open account, and should not be reported as having new missed payments every month. 

This is a violation of my consumer rights and an unfair credit reporting practice that prevents me from obtaining new credit accounts and purchasing a home, even though I have no missed or late payments and otherwise very good credit worthiness.
Consumer complaint received 2023-02-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: OPTUM BANK, INC. (MN)

Optum bank never wrote and gave any written response for the claims I sent to them. 
Thanks to CFPB, Optum gave the response to CFPB request XXXX. 
The mistake Optum made is that Optum wrongly stop the check which has been sent to XXXX. 
Optum response says On XX/XX/23, you contacted the XXXX XXXX XXXX to advise that XXXX XXXX was not in receipt of check # XXXX for {$100000.00} and per your request a Stop Pay was issued and the funds were redeposited into your Optum Bank HSA balance. 
I am astonished that Optum can make such untruthful statement based on no fact. 
So, the problem I initially reported ( XXXX ) become the dispute which is who requires stop check. 
My request is to transfer HAS funds from Optum to XXXX. I called both parties to urge them to complete the transaction. 
All calls I made is to urge them complete transaction. There is no motivation and reason to stop the transaction. 
The fact is that I never filled any form or called Optum to stop check. Stopping check is completely again my goal of transferring funds. 
When I blame Optum for their mistakes, I provided very evidences to support my argument in XXXX. 
Optum needs to provide evidences for their response. Optum said per your request a Stop Pay was issued, Optum should provide evidence to support this statement. 
Note : All conversations between I and Optum are recorded by both Optum and ME, so it is not difficulty to see who is telling untruthful. I kindly remind who wrote per your request a Stop Pay was issued thinking twice before providing perjury because you ultimately will take the legal responsibility. ( not Optum ). 

CFPBs responsibility is to protect consumers from unfair, deceptive, or abusive practices and take action against companies that break the law I hope CFPB contacts Optum for the evidences of their responses because what Optum is doing is a deceptive practice.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I've had problems before and I've made a complaint before about the same thing ; One day it was over XXXX and suddenly the next day it went down XXXX points and then it went up. 
And so it goes, a few days ago it was over XXXX and now at XXXX I have nothing negative in my credit, everything is paid on time and my credit score with Equifax is not accurate. I need an investigation please.
Consumer complaint received 2020-06-16
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: TRANSWORLD SYSTEMS INC (TX)

In XXXX of 2020, I found out that I had become a victim of identity theft. After being denied for a credit card, I saw a collection account on my credit report. The account had been opened with XXXX XXXX years prior and had never been paid on. The debt has been sold to several companies. 

I reached out to each debt collection agency and provided them with a letter notifying them that my identity had been stolen and that I would need the account to be removed. All responded stating that the debt was mine. I followed up by requesting that they provide me with any statements, payment slips, records of phone numbers that were used to activate the account, original contracts with my signature and a summary of their investigation to validate that the debt was mine. Alongside that, I requested that they notify the original creditor that the account was the result of identity theft and that the stop reporting the account to the credit agencies. 

None adhered to any of my requests and instead they all sent me a bill to pay for the collection.
Consumer complaint received 2024-04-11
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: PENTAGON FEDERAL CREDIT UNION (FL)

penfed is reporting old & inaccurate information one the wrong XXXX XXXX  number totally, also inaccurate information stating wrong things like derogatories i do not have. stating i have personal loans which i do not i have a business line reporting that is NOT personal at all. i have docs to upload to prove they are using old reports against me which is is violating my fair lending laws
Consumer complaint received 2020-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

This is my second time to contact the CFPB over a disputed charge with my Citibank credit card. The first time I made a complaint with CFPB, it was because for months, I was disputing a charge of of {$1800.00} while Citi was investigating a totally different and unrelated charge and maintaining that the unrelated charge was valid. I messaged Citibank repeatedly, and it was as if they were not even reading my messages. I would get back form-letter emails saying some other unrelated charge was valid. Only after contacting the CFPB and getting assistance, did Citibank finally even address the actual charge I was disputing. 

That being said, addressed might be the wrong word. Again, it's as if they do not even read the messages I write to them. Their replies never address or acknowledge anything I have written them about. 

As it stands, I am being charged {$1800.00}. This charge ended up on my credit card on XX/XX/2019 when I visited XXXX XXXX XXXX in XXXX. Currently, Citibank claims the charge is valid because they have a " signed receipt. '' Additionally, they tell me the the card was physically present for the charge. 

I am attaching a copy of the " signed '' receipt provided to me by Citibank. The signature is not mine. It is an absolute forgery, just a bunch of squiggles at the top of the paper. Also, there are two sheets provided, and they seem to show different dates. This seems odd to me. I noted it too on the attached file. 

Citibank says that my card which has a chip on it was present for the charge. My best guess is that I was taken advantage of, perhaps by an employee or some person in on a scam, by running my actual card without my knowledge. I am certain that this is a scam of some sort by the fact that it is not my signature at the top of the receipt given to my by Citibank. 

I don't know what to do at this point. I have gone back and forth with Citibank for months, and their total incompetence at researching something wholly unrelated was only resolved after contacting CFPB. Now, Citi tells me the charge is valid and when I reply to Citi that the signature they provided is a forgery, they don't even acknowledge it. It is as if they are simply not even reading my messages. History has shown they surely do not. 

One more thing I find strange. As a matter of general practice, I checked my credit card online before leaving XXXX and saw no major pending purchases. It wasn't until I got home that I saw this charge appear, as if it were delayed on purpose.
Consumer complaint received 2024-02-26
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. (VA)

Identity Theft : On XX/XX/2021 I discovered that an individual using my personal information, including my name, address, and Social Security number, fraudulently opened a timeshare account with XXXX XXXX XXXX XXXX without my authorization. 

Unauthorized Bank Account Connection : Furthermore, the individual responsible for this identity theft connected my bank account to the timeshare account for automatic payment. As a result, funds have been deducted from my bank account without my knowledge or authorization to cover expenses related to the unauthorized timeshare account. 

Notification to Authorities : Upon discovering this fraudulent activity, I immediately contacted my bank to report the unauthorized charges and initiated an investigation into the matter. Additionally, I have filed a police report with the XXXX POLICE DEPARTMENT ON XX/XX/2021 documenting the identity theft and unauthorized use of my personal information. 

Request for XXXX : I hereby request that the Federal Trade Commission ( FTC ) conduct a thorough investigation into this matter to determine the extent of the identity theft and take appropriate action against the individuals responsible. I also request that XXXX XXXX XXXX XXXX be notified of the fraudulent activity and instructed to cease all further transactions associated with the unauthorized timeshare account. 

Assistance with Resolution : Furthermore, I request assistance from the FTC in resolving any financial liabilities incurred because of this identity theft, including reimbursement for any funds unlawfully withdrawn from my bank account and the removal of any negative marks on my credit report associated with this fraudulent activity. This has affected my credit report and I have disputed this item with the three credit bureaus they are not helping please help cfpb I have enclosed copies of relevant documentation, including the police report, bank statements, and any other supporting evidence, to assist with your investigation. Please contact me at the above-listed contact information if additional information or clarification is needed. 

Thank you for your prompt attention to this matter. I trust that the FTC will take swift action to address this case of identity theft and protect my rights as a consumer. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-01
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. (TX)

Finance XXXX illegally pulled the credit more than once for me ( XXXX XXXX ), and mom ( XXXX ) with institutions we never instructed the sales person. We only authorized to apply with XXXX XXXX XXXX and he pulled with XXXX Bank ( never authorized ), XXXX XXXX ( never authorized ), XXXX XXXX ( never authorized ), XXXX  XXXX ( never authorized ), XXXX XXXX ( never authorized ) and XXXX XXXX ( never authorized ). XXXX XXXX XXXX directed the auto loan to XXXX Bank at a higher rate than the one with our financial institution, and falsely tried excusing himself using a XXXX XXXX of XXXX for my mom, to which we demonstrated XXXX for XXXX agencies and XXXX for XXXX for her, and the ability to get the best rate offered by our financial institution of 5.24 %. After being caught amazingly he lowered the rate for the non preferred institution to 5.33 %. The fraudulent practices by this individual are performed after a 5 hr long period and with the individual not letting the customers read the full documents, and speeding up not to be caught. Fortunately I caught him, after I paid XXXX with my credit card to the dealer, and his behavior was certainly strange after demonstrating all his lies and illegal practice. The fraudulent actions damaged my wife 's and my daughter 's credit score with the inquiries, and they ended paying slightly more to the non-preferred institution, XXXX  of the three persons involved in the purchase ( my mom, my dad and myself ) being tired of the unpleasant experience of buying a car with them, and arguing about : 1 ) trade-in value ; 2 ) being forced by the dealer to buy unwanted additional items not yet installed ; and 3 ) The fraudulent actions from XXXX XXXX XXXX to earn a referral fee from XXXX Bank XXXX Regardless of that the fraudulent Finance Manager pulled the credit with 6 unauthorized institutions instead of pulling with the only one instructed to the sales person XXXX XXXX which was XXXX XXXX XXXX, damaging the credit for both myself and my mom.
Consumer complaint received 2020-04-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I checked my credit report and found that some of the data were incorrect. Experian is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Lloyd & McDaniel, PLC (KY)

On or around XX/XX/XXXX of 2023 I was contacted by email about a debt from XXXX XXXX with XXXX XXXX XXXX XXXX. Upon receiving this email we responded with questions about proving the debt and also a breakdown of what the charges are for. This was never provided and XXXX XXXX and his firm stopped replying as they were not able to prove the debt. 
In XXXX of the same year, we received paperwork notifying me that this debt was sold to another debt collection firm ( Lloyd & McDaniel PLC ) and they were also notified through email that no proof of this debt has ever been provided and that we already requested that this debt be validated. We never received any response from the second debt collection firm. On XX/XX/XXXX, we received an approved Judgement regarding this and we were never given notice nor given time to proof that neither debt collection agency could prove the debt.
Consumer complaint received 2020-06-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC. (ME)

XX/XX/XXXX My wife and I purchased a relatively new, but used car, a XXXX XXXX XXXX, It was our first nice vehicle and we made this decision in anticipation of a cross country move. I had just enlisted in my first XXXX XXXX contract with the XXXX and we were moving from XXXX  to my duty station in XXXX. We were excited and figured this vehicle would last and be reliable and safe for our XXXX year old daughter. 

XXXX - XXXX The vehicle proceeded to have issues with the transmission multiple times and only one was covered by warranty. In the wake of a XXXX, multiple training events and preparing for a XXXX we started to struggle a bit financially, and we did have some late payments, but we corrected them with the lender. 

In XXXX, XXXX  XXXX, due to new mechanical issues and a growing family we wanted to trade the vehicle in for something more reliable, something we didn't expect to have to do, however negative equity on the vehicle did not allow for this, and instead had to finance a second vehicle ( different lender ) and it was a major financial strain to make two vehicle payments, especially when this XXXX was nearly inoperable due to the transmission. So we negotiated a voluntary repossession with the local XXXX dealer who understood the situation and would deal with Ally ( creditor/lender ) The account was charged off and the account froze at the 50 percent we still owed. 
Ally has been somewhat fair, in not ever putting the account in collections, however there has been a fresh charge off every month since, and has significantly impacted my attempts at correcting my credit scores, since the struggle my family and I had experiences while I was in the military. 

I have disputed them through all 3 bureaus, and they did delete some history, but Ally have still affected my growth and history each month, since most recent charge off is dated for XX/XX/XXXX.
Consumer complaint received 2023-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

In accordance with the fair Credit Reporting act XXXX account XXXX XXXX, XXXX XXXX XXXXXXXX account XXXX XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX account XXXX XXXX XXXX XXXX account # XXXX, has violated my rights 15 u.s.c 1681 section 602 A. Stats 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
Consumer complaint received 2023-05-25
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)

I am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report. In accordance with the Fair Credit Act, I need the following accounts removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$0.00}. I have reviewed my credit report and identified the specific accounts that require correction. Despite my attempts to resolve the matter with the credit bureaus and the creditors, the inaccurate information remains on my credit file.
Consumer complaint received 2023-01-06
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. (FL)

In accordance with the Fair Credit Reporting act XXXXt, Account # XXXX Account NameXXXX XXXX Account # XXXX Account NameXXXX XXXX Account # XXXX Account Name XXXX XXXX XXXX Account # XXXX Account Name- US DEPT ED Account # XXXX Account Name- USDOE/XXXX Account # XXXX Account Name-XXXX XXXX Original XXXX : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX Account NameXXXX XXXX ( Original XXXX XXXX XXXXXXXX XXXX XXXX ) Account # XXXX Account Name- XXXX ( Original XXXX XXXX XXXX XXXXXXXX ) Account # XXXX Account NameXXXX 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
Consumer complaint received 2020-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I cashed in my check through a bank teller. I then left the building to use the atm outside to deposit my cash. I then received my receipt saying I deposited my money forgot my debit card left to my car remembered i forgot my debit card went to get it back but a man around XXXX realized that was my card and just gave it back and I left. I then checked my bank account and realized I was missing XXXX dollars. Im pretty sure he pressed the most used XXXX dollars withdrawal button before he backed out and gave me my debit card back. I talked to my bank about this right away filled the claim maybe an hour after on XX/XX/2020 waited 10 days for a response for them to tell me I authorized the transaction and I wont be receiving my money back. The ATMs should have cameras to realize that wasnt me and after I got the letter I called them to resolve this and for hours I was disputing this to finally reach someone for him to hang up on me. During this time of Covid-19 I am desperate for those XXXX dollars that Wells Fargo took away from me. They should be responsible for the safety of my money and should have better security measure to protect their customers from fraud events like these.
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

I never gave any of these people or buisness to run my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MORTGAGE CO
Consumer complaint received 2024-02-26
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. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX