davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-27
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: TRUIST FINANCIAL CORPORATION (CA)

I found a hard inquiry on my XXXX credit report on XX/XX/2021 from SunTrust DBA Lightstream, created on XX/XX/2021. I called the phone number on the report ( XXXX ) XXXX and spoke to XXXX and told her I never applied for anything with SunTrust so I don't know why they are pulling my credit report. She told me there was an application submitted and I told her it was fraudulent because I never applied for a loan with them. I asked her to please shut down the application due to fraud. She made a note of my phone call and gave me a reference number of XX/XX/2021 - XXXX. 

XXXX XXXX, I received a letter from SunTrust stating that they were researching this issue. Towards the end of XXXX, I received another letter from them saying that I applied for an unsecured line of credit on XX/XX/2021 so they could not remove the inquiry from my credit report. I called them on XX/XX/2021 at the phone number listed on the letter, ( XXXX ) XXXX and spoke to XXXX. She then told me they did not find anything to make changes and said I should speak to an 'advisor. ' They never even asked me to during their research what my actual contact information was to see if it there was a mismatch with what the fraudster submitted. They did not seem to care that I have fraud alerts on my credit reports either. I don't know how they are protecting consumers from identity theft when they are supporting criminal behavior and penalizing a consumer for being an identity theft victim.
Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : XXXX Account Name : XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$190.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XXXX XXXX, XXXX Account Balance : {$400.00} Account Name : XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$400.00} Account Name : XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$250.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$590.00} Account Name : XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$2500.00} Account Name : XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : XXXX Fraudulent Inquires Company Name : US DEPARTMENT OF EDU Inquiry Date : XX/XX/XXXX Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX
Consumer complaint received 2021-07-27
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. (TX)

I am a victim of identity theft & the person is completing applications in my name without my permission. I have included my identity theft report.
Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

My car was broken into and the thief took all my identification information and is now trying to open accounts in my name. I did not request anything from these companies. I have attached a copy of the police report & identity theft report.
Consumer complaint received 2021-07-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (AZ)

Target XXXX XXXX refuses to tell me when the account 's available credit line will reflect a large payment I made to my Target store credit card account. 

I paid {$1400.00} to my Target store credit card on XX/XX/2021 via an ACH debit to my bank account using their online payment service. The payment posted timely and reduced my outstanding balance. However, the payment did not increase the account 's available credit at the time it was posted. I understand that large payments are not always made available immediately but I want to know when the payment will be made available. 

After nine calendar days the card 's available credit still was not increased, so I sent a secure message requesting the date on which that would occur. They responded that payments are sometimes held and offered to schedule a conference call with my bank to confirm the ACH has settled. I replied, informing them that they did not answer my question and clarified the information I was looking for. In their reply, Target XXXX XXXX repeated that they sometimes hold payments, stated they are allowed by regulation to hold payments, were in the final stages of confirming the payment, and informed me the only way to make the credit line available was to schedule a conference call with my bank. They still did not answer my question. 

To be clear, I am not complaining about the length of time Target has held the payment ( although it is on the long side of being reasonable ). I am complaining about Target XXXX XXXX 's lack of transparency, arbitrary way of handling payments, and unwillingness and/or inability to answer a consumer complaint. 

My correspondence with Target XXXX XXXX is attached.
Consumer complaint received 2018-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

XXXX Credit card account with Capital One XXXX was discharged by them and closed after I suffered critical XXXX issues required XXXX  for XXXX and unemployment in XXXX. They sent me letter in 2018 as confirmed was closed and wrote off. No balance owed. 

XXXX XXXX XXXX is now incorrectly reporting on my XXXX report this charged off Capital One account as this account being " Open '' and balance owed of {$330.00}. 

Capital One XXXX Account # XXXX
Consumer complaint received 2022-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

I pulled my credit report and noticed an account that should not be there as it is information that is supposed to be excluded in a credit report, pursuant to 15 USC 1681a ( 2 ) ( B ) which states : ( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device So XXXX XXXX of XXXX has violated this law as they did not disclose this information to me and XXXX XXXX ( the lien holder ) is equally culpable for participating in this experience so I demand the deletion of this account from all consumer reporting agencies.
Consumer complaint received 2021-07-28
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. (NJ)

TransUnion LLC has violated the Fair Credit Reporting Act. They have not responded in a timely manner with any results within 30 day to 45 day time frame. Involving my letters with erroneous credit accounts. I have sent them letters and TransUnion has not taken action to report to me the consumer in the time frame as agreed according to the FCRA
Consumer complaint received 2019-12-16
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. (MD)

Someone obtained my social security information along with my date of birth and opened up the following credit cards and financial accounts fraudulently : - XXXX XXXX XXXX for {$7600.00} - XXXX XXXX XXXX for {$1200.00} - XXXX XXXX for {$1100.00} - XXXX  XXXX   XXXX  for {$1100.00} - XXXX XXXX XXXX for {$830.00} - XXXX XXXX for {$260.00} - XXXX XXXX for {$210.00}
Consumer complaint received 2021-07-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (MA)

HI ; SUNRISE CREDIT SYSTEMS GROUP XXXX XXXX XXXX Collection {$720.00} Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2020-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (IA)

XXXX is refusing to remove 9 late payments that they claim were after my XXXX began, XX/XX/2016. The supposedly late payments are still inflicting emotional damages upon me because Im XXXX XXXX  XXXX, they dont need to be adding insult to injury. Those 9 late payments still effect the repair of my credit and reputation.
Consumer complaint received 2021-07-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (MA)

HI SOUTHWEST CREDIT SYSTEM COLLECTION XXXX XXXX Collection {$730.00} ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-07-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (GA)

I filed Chapter XXXX Bankruptcy on XX/XX/XXXX and a confirmation date was on XX/XX/XXXX. The company servicing my mortgage changed from XXXX to Loancareand they were going to responsible for collecting my payments starting on XX/XX/XXXX. XXXX provideda escrow statement at that time stating my payments were going to be {$660.00} starting XX/XX/XXXX. The Notice of Transfer sent from Loancare also stated payment amount would be {$660.00}. In XXXX my Bankruptcy attorney advised me that my statement amount is actually {$730.00}, based on what was filed with the courts and listed on the statements that they received. ( There was a change in escrow. I made payments of {$730.00}. My attorney and I requested that the lender send all statements to my primary home in XXXX. Neither of us received statements for months, but I continue to make payments based on the amount of {$730.00} that was provided to me. Later in the year I received a notice that they had not received the payments from me for months. I was shocked because I knew I had made payments. It was later determined that they had received the payments, but they were applying my payments to someone elses account and mailing my statements to the wrong address. Once this was all confirmed by Loancare they still attempted to pursue litigation. In XX/XX/XXXX thaer was a hearing by the bankruptcy court which the judge threw out the case and indicated that I had made all required payments. In XX/XX/XXXX I realized tha t the billing statements still were not correct. I attempted to address this with the lender and did not get a resolution so I filed a compliant. Before the complaint was complete the lender sent me an email on XX/XX/XXXX stating that due to teheir error they would resolve the matter by crediting my account {$4100.00} to make up the difference up to XX/XX/XXXX. I did not pursue my complaint any further because of that email. 

I received an escrow dated XX/XX/XXXX stating that my future payments would be {$860.00} starting in XX/XX/XXXX. I made payments for {$860.00}, but notice that that the statements were still not correct. The credit was never applied and the billing statements were now showing that my monthly payment amount is {$1100.00} and there was a past due amount. I attempted to contact Loancare and they email me on XXXX XXXX stating they will not honor the credit that they promise because they are not required to because the home was a rental property. 

My issues is if the judge found that my payments were on in XX/XX/XXXX. Why would would Loancare carry over any charges into the following year. Also, why is the escrow statements and monthly statements not reading the same amount. 

I'm concerned that my payments are not being applied correctly, my principle amount is not being adjusted correctly and lender is not ethical enough to honor their agreements. I feel the lender will attempt foreclosure again without trying to provide a proper resolution.
Consumer complaint received 2022-01-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One Bank offered checking and savings account but closed many branches. So in order to access money, we have to travel to the limited branches that are now open. Yet the website offers non-fee ATM in various authorized locations. The website located : XXXX XXXX XXXX, XXXX XXXX NY XXXX ( AD # XXXX ). So I went to this location to access my money and was charged and additional {$3.00} and the following day Capital One charge an additional {$2.00}. Capital One representatives transferred me over twice after and repeatedly told me she is unable to see the extra charges. Finally, she told me there was nothing she can do and I should only use my XXXX accounts. So I closed my savings account ( # XXXX ). My issue was on this account and she kept fixated on my other accounts. The is no previous or current documentation that Capital One Clients should close their accounts and only go XXXX to receive full benefits. This should be published so previously open accounts patrons can be aware of Capital One 's current business practices.
Consumer complaint received 2021-07-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (PA)

American Education Services claims in a previous Complaint that they have provided reasons for all the complaints submitted to the CFPB. 

AES is deflecting their criminal actions by trying to blame the consumer for their negligent behavior. These people who respond to these CFPB complaints are not doing their jobs or investigating anything properly. They are simply speaking to their superiors who are probably embezzling funds or are involved in some sort of drug operation which is meant to bankrupt the average everyday taxpaying American. When the company can not even admit that recording phone calls in Pennsylvania without the other party 's consent is against the law, the period of denial is now pathological deceit. 

If AES can not follow the Wiretapping Laws in Pennsylvania, then AES will likely end up paying a district court for willingly breaking the law for failing to obtain the necessary preparatory technology to not record consumers when they have already made several demands for them to not record the calls. Recording Phone calls in Pennsylvania without two-party consent is illegal. AES is being put on notice to cease and desist with all recordings for any future calls I may make to AES. Failure to do so will create more evidence that may be brought against AES for being negligent in abiding by the Pennsylvania Wiretapping Law. 

CFPB Complaints will be consistently made until AES can rectify their unforgiveable behavior and offensive degradation of duty. These will also be used as pieces of evidence which are currently being built against AES to prove to the judicial auspices that corrupt individuals can still be found employed at AES and within the board of those financial overseeing companies. This is called a conflict of interest.
Consumer complaint received 2019-12-16
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: TD BANK US HOLDING COMPANY (MA)

TD Bank has fraudulently and erroneously reported me, XXXX XXXX XXXX, to XXXX XXXX, as having a checking account with them, in very poor standing, abuse of account, unpaid charge off, on XX/XX/2017. I have never had this account, last four digits of account # XXXX, charge off amount of & XXXX, status is unpaid as of XX/XX/2017. I have no idea where TD Bank received this information. I do have a current checking account with TD Bank, I opened with my wife, XXXX XXXX XXXX, about 10 to 12 years ago, which is still open and in good standing, this is the only account I have ever had and still have with TD Bank. I called there Customer Service, XXXX line today at XXXX XXXX and talked to XXXX, a supervisor, and was told she couldnt help me, and told me to contact the three credit bureaus, or the Consumer Finance Protective Bureau,   which I am currently doing. Please let me know if any further information is needed. Thank you for your assistance, XXXX XXXX
Consumer complaint received 2019-12-16
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)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A LATE PAYMENTS REPORT ON XX/XX/2019 ON MY XXXX. I'VE FALLEN BEHIND BECAUSE OF A PERSONAL HARDSHIP WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNT THAT'S LISTED.