davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Equifax continues to report an erroneous address on my credit file. The address was removed and ADDED again as of XX/XX/2021. The address listed ends in XXXX XXXX XXXX I have never lived at this address! I have never been associated with this address! I have clearly mentioned in EVERY dispute I have sent this company that I only have ONE address and that this erroneous address DOES NOT belong to me.
Consumer complaint received 2021-08-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ASTA FUNDING INC. (NY)

I lost my wallet years ago as a result of that I have had fraud committed in my name several times the 1st was from XXXX the second was XXXX XXXX  the third was my Checking account at XXXX. and now this a XXXX XXXX  credit card that I never heard of for the sum of XXXX Please Help Me Thank You
Consumer complaint received 2021-07-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION (GA)

I attempted to open a checking account in my name only at the Truist Bank, XXXX XXXX branch in XXXX Georgia XX/XX/XXXX. The bank employee took my SS # and address and entered into the Truist system. She was then directed to call the Truist Fraud division before opening the account. After the call, she indicated that I could not open an account due to information the Truist Fraud Division had on me personally. Yet, I have no way of knowing what that information is or how to possibly address and correct it. 

I am an Officer / Commercial lender for an FDIC regulated Bank in Georgia and I am being told by another FDIC regulated Bank that I can not do business there due to some untold fraudulent or criminal activity, yet no one at Truist will help me address it. I am concerned that the information Truist holds may impact my job here at this Bank. Or possibly, any job I apply for in the future. 

As a consumer, I respectfully request the opportunity to clear my name and address any suspicious activity that's preventing me from doing business with Truist Bank. No one at Truist will discuss the situation.
Consumer complaint received 2021-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I went to the Bank of America branch in XXXX, New Jersey this morning for a {$100.00} certified check and was blithely told that I would have to pay a service fee of {$15.00}. I objected. The teller did nothing. A bank employee came over. I told him. He went to see the branch manager. He returned. He deleted the {$15.00} charge. I objected as I wanted to pay {$10.00}! He said no, the computer permits either full payment of the charge or no payment of the charge.

I told both the teller and this other employee that it was unconscionable and immoral to charge such a fee and when the Federal minimum wage is {$7.00} per hour. That went over their heads! 

I pointed out that the CEO of the Bank of America has a financial compensation package in the many millions of dollars! That too went over their heads!
Consumer complaint received 2021-07-29
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: Experian Information Solutions Inc. (MA)

My Identity was stolen multiple accounts have been opened using my name and social security, I have disputed this issue with Experian with no result, Spoke with XXXX on XX/XX/2021 at XXXX, he informed me he could not provide the full account numbers on my report. I explained that I wanted to compare statements and account numbers between all three reporting companies BECAUSE ALL 3 companies ARE REPORTING DIFFERENT INFORMATION, ACCOUNTS THAT ARE CLOSED on XXXX  AND XXXX  RELATED TO FRAUD ARE REPORTING OPEN ON EXPERIAN, I tried to dispute on line at EXPERIAN, and IT TELLS ME TO CALL EXPERIAN TO DISPUTE AND I CALL AND XXXX TELLS ME TO CALL THE CREDIT CARD COMPANY WHICH I HAVE DONE WITH NO RESULTS. I have sent letters of validity to each credit card THAT IS FRAUDULENT with no response from the companies for the accounts I am questioning.LETTERS NOW ARE OVER 30 Days. I sent CERTIFIED. 

I HAVE A RIGHT TO COMPARE CREDIT CARD NUMBERS WITH EACH REPORTING AGENCY TO MAKE SURE THE ACCOUNTS MATCH MY CREDIT CARDS AND NOT THE FRAUDULENT ACCOUNT NUMBERS AND BALANCES ARE CORRECT. 

CREDIT CARDS NUMBERS CAN BE DIFFERENT BY 1 NUMBER SO I HAVE A RIGHT TO KNOW THE ACCOUNT NUMBERS IF THEY ARE UNDER MY REPORT> XXXX  PROVIDED THE NUMBERS-THEN WHY CANT EXPERIAN YES XXXX  GAVE MY THE FULL ACCOUNT NUMBER FOR EACH ITEM ON MY REPORT TO CLARIFY AND VALIDATE WHAT IS MINE, WHAT IS ACTIVE AND HAS BEEN CLOSED and TO VALIDATE THE FRAUDULENT ACCOUNTS. 

EXPERIAN HAS CAUSED ME STRESS AND ANXIETY AND HAS BEEN OF NO ASSISTANCE- YES I HAVE SENT EXPERIAN THE POLICE REPORT, MY IDENTIFICATION TO VALIDATE MY IDENTITY. 
I NEED ASSISTANCE IN OBTAINING THE FULL ACCOUNT NUMBERS
Consumer complaint received 2021-07-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (FL)

Back in XX/XX/XXXX I discontinued service with XXXX  and sent all the equipment back. I did everything I was supposed to do. Then in XX/XX/XXXX, my credit score dropped and I see that XXXX  sold my account to a debt collector. It put a collections on my account for the equipment not being turned in. I disputed the charges and called XXXX  directly. They stated my account was Paid in Full and weren't sure as to why it was put in collections. That dispute was deleted. Then in XXXX of XXXX another collections was added to my credit report for the same thing! I disputed that as well and it was taken off! NOW AGAIN ... XX/XX/XXXX same creditor put the collections on my account. I've called XXXX  and could not get ahold of anyone. Called MRS Associates ( The collection company ) who stated they could not find my account, and I reached out to XXXX  ( Original creditor ) and they AGAIN stated they show my account being closed and in good standings! I want this to stop and want to know what actions I can take to make sure this doesn't happen a 4th time!!
Consumer complaint received 2021-08-16
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. (FL)

EXPERIAN has been discriminitian against me because of my age, race i have reported to experian many times this fraudulent account to my report i have send the all documention, i have call, i have rpeort to state attorney m FTC m local police and have send all the documention of this eligal account and they refuse to removed this ilegal account from my report ... XXXX XXXX XXXX PLEASE HELP ME RESOLVE THIS SITUATION THAT HAS BEEN GOING ON FOR YEARS AND EXPERIAN IS DISCRIMINARIAN AGAINST ME
Consumer complaint received 2021-08-16
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: EQUIFAX, INC. (TX)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

The Federal Reserve suspended the limit on account transfers. Bank of America continues to threaten me and I'm sure all of its customers with fees for going over a transfer limit that has been suspended. I have tried several times to contact them by phone. Its seems they can't spare enough money from their XXXX XXXX XXXX dollars in yearly profit to hire ample customer service.
Consumer complaint received 2021-08-16
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: EQUIFAX, INC. (VA)

Its been over a month since I sent you my dispute letter, I have been advised that under section 611a you are legally obligated to respond to my dispute letter within 30 days but to this day, almost 2 months have passed but I still haven't got any response from you. What the XXXX is this???? This is clearly a violation and your negligence. I am keeping record of everything because if you continue to ignore my disputes I am going to seek litigation for all the trouble youve caused me. Im trying to get these errors on your report straightened out for my family and youre ignoring it. My information may also have gotten to the hands of the wrong person because of equifax data breach and you need to do your part to investigate and clean up these errors.
Consumer complaint received 2021-08-11
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: Bread Financial Holdings, Inc. (MA)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

3. Identity Theft CB/VICSCRT Account Number : XXXX This is not mine.

4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

5. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

6. Identity Theft CB/VICSCRT Account Number : XXXX This is not mine.
Consumer complaint received 2021-08-19
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NV)

I got a XXXX-family house loan with XXXX XXXX  in XXXX, NY for XXXX XXXX XXXX, XXXX, NY XXXX XXXX 
The problem I have is a recurrent erratic, this bank made for servicing my loan. For several times maybe ten times that although I make payments, the bank said I did not make the payment.

One of the worst thing that happened is about a year ago, erratically, one employee sent me an email that the loan was transferred to SHELLPOINT and so I sent the payment to SHELLPOINT which the bank cashed and reimbursed and I sent the payment to XXXX. 

I have made many attempts to communicate with XXXX XXXX of XXXX about the " agreement '' that I will have to resume the regular payment after the forbearance. I also have reminded them time and again that I made {$10000.00} payment for late payment that I did not caused because of erratic emails and bank statements I am getting The payments the bank asked is far more that the signed agreement and so I paid, {$10000.00}, {$9000.00}, {$8500.00} etc. XXXX keeps on asking for late payment, I did not make. Many times even when the bank cashed the check, they sent me email saying that I did not make the payment. 

This XX/XX/2021, they emailed, mailed me notice that the loan will be transferred to SHELLPONT and so I reminded XXXX XXXX, MS. XXXX, and XXXX XXXX by email several times. I also told them that I spoke to XXXX people at the bank about the problem reminding them to correct any error before moving the loan to SHELLPOINT. 

I communicated also to XXXX XXXX at SHELLPOINT about the years of problem with XXXX  and then yesterday I got an email from SHELLPOINT reminding me that they did not receive the payment although they cashed my XXXX XXXX check on the XXXX of XX/XX/2021. 

I emailed XXXX ladies from XXXX XXXX  about this that I begged from them to correct the mistake before sending the loan to SHELLPOINT. Now it is again happening with Shellpoint. They cashed the check and email me that I made not payment XXXX  ALSO REPORTED IN MY CREDIT REPORT THAT I MADE LATE PAYMENT. 

Please help me solve this recurrent problems. If I am going to REFINANCE, the loan keeps on going UP because of the closing cost. I refinanced because I had problem with the other BANK before XXXX I suffered the CLOSING COSTS yet the LOAN went WILD AND WORST than I exoected
Consumer complaint received 2021-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have never lived at XXXX XXXX XXXX  XXXX  XXXX, CA XXXX XXXX XXXX XXXX United States. An ex fianc added me to a credit card that I have never used without my consent. I would like this address removed from my history.
Consumer complaint received 2023-03-14
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: Experian Information Solutions Inc. (TX)

The following companies as violated my consumer right by improperly using my credit, In Accordance with the FCRA section 611, I want all this inquiries to be removed as i do not recognize or authorize them. 

Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (CA)

Comenity Acct # XXXX & XXXX XXXX  # XXXX - These accounts were disputed during the 7 day rescission period. We have provided the tracking info, the original rescission letter, and the purchase agreement. The documents specifically have the " Notice to Cancel '' page where we have provided in detail the story of events. On XX/XX/XXXX we bought the timeshare, which included Comenity Bank XXXX we were told it was XXXX XXXX ). On XX/XX/XXXX we certified mailed the cancellation letter to the resort because they did not accept hand delivered cancellation letters. The letter was received and signed for. On XX/XX/XXXX, we mailed out another certified letter upon arriving home from our vacation. This letter was signed for and has certified delivery as well. These are both postmarked within the cancellation period of the purchase agreement with XXXX. We sent out a third letter to Comenity Bank to notify them to close the account and that we have already cancelled the XXXX account which also have certified delivery. Both of these companies have refused to close the accounts, and continuously bill us monthly, including late fees charges. They are threatening to place us into collections with direct statements of using " legal action against us ''. We have been constantly requesting them for all account documents. Our rights under Fair Credit Billing Act of 1974 are deliberately being ignored. There is improper billing, our financial information has been shared without our permission, and our rights are clearly being violated. With these account still in an open status this is a willful attempt to defraud us and a clear violation of many of our consumer protection laws. There has been 6 months of continual abuse and willful neglect that is causing massive financial, emotional and physical harm. This neglect to this matter must stop, and we are in desperate need of aid.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

In accordance with the fair credit Reporting act Capital One Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right of privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : 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 2021-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I can not file a dispute online but I want to file a dispute for the following. First I like to have the following addresses removed from credit report. XXXX XXXX XXXX, XXXX, PA XXXX and XXXX XXXX XXXX, XXXX PA XXXX. I would like to also dispute the following items as fraudulent items. XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX and a collection account XXXX XXXX XXXX. I have attached with this complaint an Identity Theft Report XXXX. Please review
Consumer complaint received 2021-07-29
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have disputed the validity and the accuracy of this account several times since I have found these accounts reporting on my credit report. I have provided a new dispute reason for each time the account has been disputed. According to Florida law I am supposed to receive a notice of sale 10 days prior to the vehicle being sold as well as information regarding the time and place the vehicle would be sold I have asked XXXX XXXX and XXXX XXXX XXXX for that information and as of today I am still not in receipt of that information from either of these companies. I spoke with XXXX XXXX at XXXX and she advised that they received a letter from me on XX/XX/XXXX which I advised to her my last request to them was mailed on XX/XX/XXXX she advised that she believed due to Covid they have been backed up in processing requests in their office. She advised that my request for validation including the contracts, account statement, deficiency balance, and notice of sale was mailed out XX/XX/XXXX which I have yet to receive as of today XXXX XXXX. Please review recorded line conversations from XX/XX/XXXX. 

The last letter I sent to the credit bureau 's dated XX/XX/XXXX requested the bureau 's to investigate the reason why the date of last payment reports incomplete and inaccurately because XXXX  does not reflect a date of last payment, Experian reports the date of last payment of XX/XX/XXXX, and XXXX  reports a date of last payment of XX/XX/XXXX. As of today XX/XX/XXXX I have not received the results of that investigation it has been well over 45 days since I have been waiting on a response from all three bureaus.
Consumer complaint received 2021-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am distressed and constantly have XXXX attacks after numerous of times disputing both by mail and on the phone for the last 6 months and they kept the inaccurate information on my report that they have included the information below in my credit profile and that you have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in my credit reports they published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. I dont recognize this public record on my credit profile so I contacted the courts and they stated that the information I gave them didnt match that I ever filed bankruptcy in their courts ; please provide proof from the court of this public record. I never file bankruptcy ever in my life this public record on my report is inaccurate and I demand that it gets deleted immediately for violation of my right to privacy FCRA 15 U.S. Code 1681b ( 2 ) and you didnt have permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Consumer complaint received 2021-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The credit bureaus continue to report inaccurate information on my consumer report even after I told them the information was unauthorized and let them know i was a victim of identify theft. I have complained to the creditors regarding this matter as well and they informed they let the bureaus know that the inquires on my consumer report are unauthorized but the bureaus assert that they are verified. How can the bureaus verify something that has been deemed unauthorized. I do not believe a through investigation was done. These unauthorized inquires are stopping me from obtaining credit in my name and destroying my reputation as a consumer. 

15 U.S. Code 1681 b - Permissible purposes of consumer reports ( A ) In General Subject to subsection ( c ), any consumer reporting agency, may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

In my first letter to your company, I advised you that I did not give these companies authorization to pull my credit report, but yet you have verified it. How is it possible for you to verify something that I did not approve? Did you call them up and asked if I gave them permission?
Consumer complaint received 2023-01-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2023 I sent a payment of {>= $1,000,000} to Capital One XXXX XXXX. Along with the following paper work. Authenticated Birth certificate, Power of Attorney. All documentation Notarized and Authorized by me.