davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-11
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: TD BANK US HOLDING COMPANY (CA)

XXXX XXXX recently settled accounts personal line of credit XXXX XXXXXXXX settled XXXX XXXX XXXX XXXX XXXX settled XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Settled
Consumer complaint received 2020-08-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commercial Acceptance Company (PA)

I was notified from an ambulance company they would be attempting to collect money from me for services I did not request, and did not receive. They were on behalf of a minor child to my wife who I have no legal connection to other than marrying his mother. The ambulance was called to the scene of an accident by some stranger and the service was not needed and flat out REFUSED at the scene. My XXXX XXXX refused treatment and I was not even present on the scene at the time of the accident. On XX/XX/2020 I notified the ambulance that they needed to cease and desist billing me for this unwarranted service. The driver in the accident already worked out their bill with the ambulance service via their insurance company and they were the responsible party not the passengers. A soft copy of this letter to the ambulance company will be attached. 

This bill apparently was handed over to Commercial Acceptance Company who called me multiple times at my home. I called them directly to inform them of the issue with the original creditor and they threatened my credit report with collections activity if I didn't pay immediately. I stated I requested them to cease and desist, and I would be folliowing up in writing which I immediately wrote them a formal letter demanding they ceast and desist attempting to collect on this charge on XX/XX/2020. Now in XXXX XXXX XXXX, they have reported me to the credit bureaus following through on their threat of financial harm AFTER I fired them of their services. A soft copy of the letter directly to this agency will be attached I've today, XX/XX/2020 filed an online dispute with XXXX  and will continue to dispute this unwarranted charge via each bureau they attempt to extort me with. This is financial harassment for a debt that is not mine and I am not required to pay for services we refused, did not request and were not delivered.
Consumer complaint received 2020-08-11
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: Experian Information Solutions Inc. (CA)

XXXX XXXX recently settled accounts personal line of credit XXXX XXXX settled XXXX XXXX XXXX XXXX XXXX settled XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Settled
Consumer complaint received 2020-06-17
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX  XXXX {$2600.00} XXXX XXXX XXXX XXXX {$19000.00}
Consumer complaint received 2020-06-17
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting loss and I saw a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is not correct.
Consumer complaint received 2020-06-17
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting loss and I saw a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is not correct.
Consumer complaint received 2020-08-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: S & S Recovery, Inc. (LA)

XXXX XXXX XXXX XXXX XXXX  ( 2 hours ago ) to XXXX Good Afternoon, I reached out to your office regarding my hold. One of your associates stated I owned XXXX dollars. The individual was unable to tell me when theses charges occurred due to the legacy system issue. 

I understand that is a system error issue but when I called the Collection they stated I owed XXXX dollars. They said they cant change it without approval. 

I ask your assistance with this matter. I been dealing with XXXX XXXX for over a month. 

I am struggling to get this resolved Best Regards XXXX On Mon, XX/XX/2020, at XXXX XXXX  XXXX wrote : Dear XXXX , We have received your transcript request order ; unfortunately, we are unable to process your request because of a hold ( s ) on your student record.

Listed below is the hold ( s ) on your record followed by the college that placed the hold on your account and their contact information : Accounts Receivable Hold : - XXXX XXXX XXXX College - - XXXX XXXX ( XXXX ) XXXX Financial Hold : - XXXX XXXX XXXX College - - XXXX XXXX ( XXXX ) XXXX Please contact the college ( s ) listed above to inquire and resolve the hold ( s ). Your college Identification number is XXXX. You will need to reference this number when contacting the college ( s ) listed above.

Once your hold ( s ) has been removed, your transcript request will be completed automatically. 

Respectfully, XXXX XXXX XXXX College Transcript Processing Team This is an automated email, please do not reply directly to this email. 

XXXX XXXX XXXX XXXX XXXX  ( 1 hour ago ) to XXXX Good Afternoon, My whole family including a XXXX   sister in law has been affected by XXXX  XXXX. After over a month of battling this XXXX. Now I am faced to fight another battle with the XXXX who's legacy system has been down for months. They are unable to provide any information regarding student 's balances. Students are forced to pay bills with bursar 's office without knowing when the chargers occured and transcripts are not released until the bill is paid. I am in the process of applying for my dream school XXXX for my XXXX XXXX in XXXX XXXX for the XXXX enrollment. 

Best Regards, XXXX XXXX
Consumer complaint received 2022-10-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (IL)

On XX/XX/22 I did a routine check of my credit, and there was a collection added to my file. I contacted the Credit Agencies and disputed, I filed a complaint with the Federal Trade Commission and now I'm following up with The Consumer Finanical Protection Bureau.

This company never tried to verify that the debt was mine. There is incomplete information to verify the account. They haven't shown me a document with my signature proving that this debt is mine. They haven't verified that they are licensed to collect debt in the state of IL.
Consumer complaint received 2020-06-17
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XX/XX/XXXX called to ask for payment federal for covid 19. Let them know i needed for XXXX as I had made a payment that day for XXXX. Was informed no late fee. Late fee was added and they reported me as over the limit to credit reporting agencies. They refuse to fix their error. Spoke with XXXX rep XXXX who refused to fix their wrong reporting. They are discriminating against their card holders who need help by knowingly reporting inaccurate information caused by their error. They chose to do this even with recorded calls proving their error bc I told them I was impacted by covid19
Consumer complaint received 2020-04-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (TN)

I received a letter from Suntrust 3 weeks ago, around XX/XX/XXXX or XX/XX/XXXX. They stated they were closing my checking & savings account on XX/XX/XXXX. In the meantime, I called to ask why and was not told a specific reason. Just for me to go online on their website and read the rules & regulations section, it was a long list so the rep said read since its too long to read over the phone. The rep also told me my account is frozen, mo closed yet so I could visit my branch and close in person. No other information given when I got the letter/called that night. 
I was sick with flu 2 times, first being when I called the first time. So I had to wait 2 days later to visit my bank branch to go ahead and just close. Not feeling well, but I needed my money to pay bills immediately. All of my auto-pay bills were scheduled already. I was told in XXXX county ( XXXX XXXX/XXXX, Tn ) that I cant close my account. I was given a Suntrust Fraud Department phone number and told I can find a check mailed to me in about 45 days, as their procedure. Again, no information was given as to why this happened. 
Ive been a customer 7+ years, with no issues, no debt. I had fraudulent activity on my checking account, ongoing charges from XXXX the past 2 months which I disputed and Suntrust quickly refunded these small purchases. Also before I knew of my account being closed, I had requested a new debit card after I was charged {$100.00} from an unknown gas/convenient store ( XXXX ). I got my new card and unable to even use it as shortly after I activated it, it was frozen. 
This has caused extreme turmoil in my debts to creditors, time and anguish situating a new bank. I have XXXX Income, XXXX grown kids with my obligations to their bills as well. Ive had to take time off my part-time self-employed business to take care of this unnecessary hassle. 
I submitted a XXXX XXXX XXXX report 2 weeks ago, but they quickly closed it without a resolution and none of my funds & no explanation given to me, again. Suntrust was responsible to call me to follow up and mediate the situation and never did. 
I was sick, again, last week and yet I called Suntrust Fraud Department back, to get the status. Again, no further information as to why they closed my account was given. I have still been sorting my new bank information so I can finally pay all of my bills today, which took 3 hours. Totally beyond frustrated with this outcome, it isnt right. So Truist still has $ XXXX of my money, without me being able to access it. I owe NO debts to this bank for them to be reviewing my account. It should not take 3-4 weeks to review when Ive done nothing wrong. Let alone, hold my money.
Consumer complaint received 2023-06-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Consumer Portfolio Services, Inc. (GA)

On XX/XX/2023 I went to XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX in XXXX, GA after filling out a consumer credit transaction application on their XXXX XXXX website. I was unfairly denied based on my credit score by 4 companies whose name follows : XXXX XXXX, XXXX XXXX XXXX, XXXX, & Consumer Portfolio Services. I am fully aware and overstand my rights as a consumer under the Truth In Lending Act 15 USC 1601 as well as my rights pertaining to Federal Reserve Act 16, sections 1 & 2. I did not benefit from this transaction and due to the misleading adverstisement for a down payment & other factors, I have been without a car since then. This has brought great damage to my livelihood, my family and being able to provide transportation for my children.
Consumer complaint received 2020-06-17
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting loss and I saw a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is not correct.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX
Consumer complaint received 2022-10-31
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: Resurgent Capital Services L.P. (TX)

This is not a duplicate complaint CFPB! I replied to lvnv/resurgent via email regarding an account they said I owed. In my email response I asked the company to send me verification of the said debt and I never received anything from them. I had a cfpb case regarding this issue in which the company responded stating the account had been sent back to the original creditor. I called lvnv/resurgent on the same day that I received their response to my cfpb report and a rep stated that the account would be deleted from my consumer reports however that has not happened to this day. Obviously the company was not able to verify the said debt so why has it not been deleted
Consumer complaint received 2020-08-11
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: Experian Information Solutions Inc. (AR)

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. USDEPED XXXX {$40000.00} XXXX XXXX {$65000.00} XXXX XXXX {$3500.00} XXXX XXXX {$700.00} XXXX   XXXX {$5000.00} XXXX   XXXX {$5500.00} XXXX XXXX {$790.00} XXXX XXXX {$390.00} XXXX XXXX XXXX   XXXX {$4000.00} XXXX XXXX XXXX {$5200.00} DEPTEDXXXX   XXXX {$1300.00} USDOE XXXX XXXX {$11000.00} XXXX XXXX {$2700.00}
Consumer complaint received 2020-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. USDEPED XXXX {$40000.00} XXXX XXXX {$65000.00} XXXX XXXX {$3500.00} XXXX XXXX {$700.00} XXXX   XXXX {$5000.00} XXXX   XXXX {$5500.00} XXXX XXXX {$790.00} XXXX XXXX {$390.00} XXXX XXXX XXXX   XXXX {$4000.00} XXXX XXXX XXXX {$5200.00} DEPTEDXXXX   XXXX {$1300.00} USDOE XXXX XXXX {$11000.00} XXXX XXXX {$2700.00}
Consumer complaint received 2020-06-17
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.
Consumer complaint received 2020-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched XX/XX/XXXX statement. Kindly Note Merchants credited {$120.00} XXXX XXXX {$210.00} XXXX total {$340.00}. Balance left {$470.00}. See attatched FRAUD CLAIM INVESTIGATION RESULTS ** I DID NOT REPORT THIS AS FRAUD. see XX/XX/XXXX statement. NO USAA CREDITS. XX/XX/XXXX USAA REVERSED {$210.00} XX/XX/XXXX not usaa credits. See statement. NO USAA CREDITS. These are merchants credits. See attatched XX/XX/XXXX FRAUD FRAUD CLAIM INVESTIGATION RESULTS ** I DID NOT REPORT THIS AS FRAUD see XX/XX/XXXX Statement. NO USAA CREDITS USAA REVERSED {$120.00} XX/XX/XXXX XXXX XXXX CREDITS. These were merchants NOT USAAs. See attatched REVIEW OF YOUR CLAIM IS COMPLETE XX/XX/XXXX NO FRAUDULENT ACTIVITY FOUND ( USAA **STEALS MERCHANTS CREDITS ** CLAIMING THEY ARE USAA CREDITS. ) USAA REVERSED THOUSANDS OF MERCHANT CREDITS ON THIS ACCOUNT THEY CLAIM NO FRAUD OCCURRED and USAA OPENED THIS ACCOUNT VISA XXXX ** WITHOUT MY KNOWLEDGE OR PERMISSION. FTC ID Theft case XXXX. USAA COMMITS ID THEFT USING MY OLD SECURE DATA FROM MC end XXXX NEVER CLOSED XX/XX/XXXX DEBT DISCHARGED. 1099-C DOCUMENTATION. upon request.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2020-08-11
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: Experian Information Solutions Inc. (AR)

My credit has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX {$3500.00} XXXX XXXX {$1100.00} XXXX XXXX {$3300.00} XXXX XXXX {$6900.00} XXXX   XXXX {$8500.00} XXXX XXXX XXXX {$210.00} XXXX XXXX {$390.00} XXXX  XXXX {$1100.00} XXXX XXXX {$5000.00} XXXX XXXX {$820.00} XXXX XXXX {$1300.00} XXXX & XXXX XXXX {$190.00} XXXX XXXX {$320.00} XXXX XXXX  XXXX {$1200.00} XXXX XXXX {$610.00}
Consumer complaint received 2020-06-12
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. (MS)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX   XXXX {$15000.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00}
Consumer complaint received 2020-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My credit has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX {$3500.00} XXXX XXXX {$1100.00} XXXX XXXX {$3300.00} XXXX XXXX {$6900.00} XXXX   XXXX {$8500.00} XXXX XXXX XXXX {$210.00} XXXX XXXX {$390.00} XXXX XXXX {$1100.00} XXXX XXXX {$5000.00} XXXX XXXX {$820.00} XXXX XXXX {$1300.00} XXXX & XXXX XXXX {$190.00} CXXXX  XXXX {$320.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX {$610.00}
Consumer complaint received 2020-08-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FinCo Services Inc DBA Current (OK)

Ok I gave a old phone to a friend and he didnt know how to reset it after I had already reset it for him I moved and then I geuss he restored it well he went to a different person to delete my account off of it but while doing that she wired herself like XXXX dollars I confronted her told her Im calling the police I did and I sent them screen shots all of this and they basically told me Im beat now it was their faulty app that allowed them to send a reset password deal to my email which they also had access to cause Once again had my old phone and their app would not Let me setup the facial recognition at that point so hen I ant them the screen shots and every thing and they got rude basically accused me of stealing my own money me a single mom that dont do anything illegal steal my own fine money I was crying and they said sorry cant do anything about it