davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-27
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. (AR)

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items from my report.
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (UT)

XX/XX/XXXX, While I was XXXX, an account was opened fraudulently in my name and charges were applied without my authorization or knowledge to the total amount of nearly {$12000.00} XX/XX/XXXX, I was made aware of the charges through reviewing my credit report. I disputed the charges with Discover and the Credit reporting agencies, informing them that it was not my account and was opened as a result of Identity Theft, and continued to dispute for months XX/XX/XXXX, I filed an FTC Identity Theft Report and submitted to Discover and the credit reporting agencies XX/XX/XXXX, I sent another letter to Discover with a copy of the ID theft report. As well as written disputes to each credit reporting agency XX/XX/XXXX, Sent another letter to Discover stating that the account was opened fraudulently and to cease and desist all forms of communication XX/XX/XXXX, Our lawyers sent a formal cease and desist letter to Discover XX/XX/XXXX, Discover continues to be communicating with my via credit reporting agencies and is violating my consumer rights. 

Through the process, the account has been removed and reinstated on my credit file numerous times, affecting my credit worthiness negatively and preventing me from obtaining financing for vehicles, a home, and purchasing a business. They have also added on late fees and interest, totaling the amount they claim I owe to be {$13000.00}. 

Discover Bank has violated multiple laws including but not limited to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, 15 U.S. Code 1692g - Validation of debts, 15 U.S. Code 1692c - Communication in connection with debt collection, 15 U.S. Code 6801 - Protection of nonpublic personal information, and 15 U.S. Code 1681a - Definitions ; rules of construction
Consumer complaint received 2020-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX Todays date:XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX - {$1800.00} Needs Attention Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule
of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CAVALRY PORTFOLIO SERVIC Reported : XXXX XXXX, XXXX - {$1800.00} Needs Attention I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2022-03-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (NC)

I am attempting to pay an escrow shortfall in full. The primary Truist contact number ( XXXX ) XXXX tells me they can't take my payment but the former Suntrust mortgage customer service has to process that directly - XXXX. This toll free number is a dead end, I've called everyday for 7 days, I sit on hold for hours, no one has ever answered my call. I was told I can't make this payment in person either at a branch. My next payment is due on XXXX and I am working to avoid a large jump in monthly by paying this amount : {$1300.00}. 

Loan XXXX Address : XXXX XXXX XXXX XXXX NC XXXX
Consumer complaint received 2021-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The department of education is now showing the account as open and past due. This is not my service provider. I have already provide the proof. They are influencing my FICO scores at two credit bureaus now. One bureau just dropped 69 points. None of information they are providing is accurate. This has been under investigation for 56 days, why have these inaccurate accounts not been deleted? _______________________________________________________________________ 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and88 623 - 15 U.S.C. 1681s-2 ( ii ) the information is, in fact, inaccurate. ______________________________________________________________________ 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( d ) Notification of deletion of disputed information. Following any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified or any notation as to disputed information, the consumer reporting agency shall, at the request of the consumer, furnish notification that the item has been deleted or the statement, codification or summary pursuant to subsection ( b ) or ( c ) of this section to any person specifically designated by the consumer who has within two years prior thereto received a consumer report for employment purposes, or within six months prior thereto received a consumer report for any other purpose, which contained the deleted or disputed information.
Consumer complaint received 2021-03-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

On XXXX XXXX I sent a balance of {$400.00} to XXXX XXXX through money gram to be deposited to his bank. Unfortunately, we were not aware that his account had been deactivated therefore the money could not be cashed. His bank is XXXX XXXX in XXXX XXXX with old account number XXXX. Receiver went to the bank and first was told it was already cashed by a teller but couldn't have been because he never went, he went back multiple times and they then told him the money was nowhere to be found and that they needed to contact money gram. I called moneygram multiple times and they told me to deal with the bank because the bank had told them that the money was sent to the reciepnt. The recipient has proof that the money had not been deposited to neither his old nor new account as we asked for proof. No one is able to help me as they tell me to contact each one of them and neither companies has a response. 

Money gram reference code XXXX
Consumer complaint received 2020-03-15
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: TOYOTA MOTOR CREDIT CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2022-12-31
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. (NE)

I submitted a letter to the XXXX Credit Bureaus to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-19
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. (MN)

I have attempted to file a dispute with Equifax directly, using their online dispute portal, but it will not let me. I get an error message saying I can not file a dispute online. I am disputing the account on my Equifax credit file from XXXX/XXXX. This account is now paid in full and has a XXXX dollar balance. I have attached a letter from XXXX/XXXX, which shows that the account was paid and there is a XXXX dollar balance, as of XX/XX/2021. 

As for XXXX and the two people I spoke to at XXXX, XXXX and XXXX, they both used rude, aggressive and intimidation debt collection practices when I attempted to pay this loan and obtain the attached paid in full letter. Both XXXX and XXXX would not let me finish my sentence, they intimidated me by saying they would not send the debt satisfaction/paid in full letter unless I respected them and that they would make certain that the account was NOT updated with the credit bureaus to list it as paid in full and a XXXX dollar balance. I have previously complained about XXXX and their debt collection practices, and XXXX and XXXX of XXXX only prove the point that their actions were abusive, intimidating and illegal in how they attempted to collect upon this debt from me.
Consumer complaint received 2024-04-10
Product: Credit 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: TomoCredit Inc. (AL)

I had told the company that the service that was provided in regards to credit service was not available and was removed in XXXX of XXXX. They had taken money out of my account eventhough I had told them I am not receiving the service. That lead to me sending a message formally cancelling and ask that they do not take money out of my account on XX/XX/XXXX and to cancel and subscription or whatever so that I would not be charged. 

They still charged my account and stated that eventhough I had asked for cancellation well in advanced of the XX/XX/XXXX due date, they said they can not return my money that they took from me. This would be XXXX months that they are getting paid and have not provided the service as promised.
Consumer complaint received 2020-03-27
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (PA)

In XXXX 2020, someone used my personal information to open a credit card with XXXX through Comenity Bank. I have attempted to call Comenity Bank to resolve this situation multiple times, but they recently sent me a letter determining that I am not a victim of fraud because the information on the fraudulent account matches mine. The phone number the identity thief provided has been disconnected for many years, and the thief also ordered {$2500.00} of furniture to be delivered to their address in XXXX FL. I reside in PA and have never lived in XXXX. I advised Comenity Bank of this and asked them to consider it as evidence of fraud, and they told me I would have to call XXXX and have them mail a letter to Comenity confirming the online order was shipped to XXXX because they do not have that information. I called XXXX to request this letter be sent, and I was told that they have no such process and I would need to deal directly with Comenity. I am getting the runaround from these companies about a debt I did not incur with a store I do not patronize. I have ample evidence that I did not open this account but Comenity does not seem willing to investigate my case past what was put on the application by the identity thief.
Consumer complaint received 2020-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am filing this report because I was trying to get a personal loan today XX/XX/2020 and I was unable to because there are XXXX accounts and a handful of inquiries that do not belong to me. I have no idea who those accounts belong to or why they're appearing on my credit since I did not open those accounts and I did not give anyone permission to open these or any other account on my behalf. I did not benefit anything at all from these accounts such as money, goods, services or any other benefit and I did not contribute to any payments made towards these accounts. I am not affiliate to any of the companies listed on this report. I have filed a complaint with the consumer financial protection bureau as well as notified the companies to make them aware that the information they are reporting is not accurate and it needs to be fixed.
Consumer complaint received 2020-03-27
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: Experian Information Solutions Inc. (CA)

I am filing this report because I was trying to get a personal loan today XX/XX/2020 and I was unable to because there are three accounts and a handful of inquiries that do not belong to me. I have no idea who those accounts belong to or why they're appearing on my credit since I did not open those accounts and I did not give anyone permission to open these or any other account on my behalf. I did not benefit anything at all from these accounts such as money, goods, services or any other benefit and I did not contribute to any payments made towards these accounts. I am not affiliate to any of the companies listed on this report. I have filed a complaint with the consumer financial protection bureau as well as notified the companies to make them aware that the information they are reporting is not accurate and it needs to be fixed.
Consumer complaint received 2024-04-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CT)

I am a state farm agent, US Bank provided a program to give an {$800.00} bonus if agency opened accounts in their institution. They didn't provide the {$800.00}. They only provided {$350.00}. Then I was told not to close the account to see what they can do. When I pushed back i was told to XXXX myself the money. I can't because the phone number is the same on XXXX as the receiving person.
Consumer complaint received 2020-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

The date on XXXX is wrong. This account keeps reappearing. Its original date is XXXX which is too old to be on my account. Also it wasnt credit it is a campgound maintence fee which we do not use or used since XXXX. We called and cancelled and they were going to sell it off ( the maintence ) to another camper.. It keeps re aging on my credit report. It was multiplyed but ccfpb took 2 off and not this one. Not sure if you forgot or if I forgot to put it in my complaint last month but its still showing on my credit report.
Consumer complaint received 2022-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

On XX/XX/2022 I deposited a check drawn from Citizens Bank in the amount of XXXX ( from the proceeds of a real estate sale ) an XXXX account. to my checking account in Citizens Bank. The Bank put a hold on the funds for 2 business days and counting. I contacted the bank to ask them to release the funds to no avail. When I deposited the check I was informed by the teller that the funds will be available the next business day. I called yesterday after waiting on hold for 30 minutes I was promised that the funds will be available today. the hold is still there as of this writing.
Consumer complaint received 2022-12-16
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: Experian Information Solutions Inc. (NC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.
Consumer complaint received 2020-03-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

( 1 ) Navient did not apply the recent payments of {$680.00} of the page 2 of Pre-Lawsuit Letter-Attachment and created a fraudulent statement on page 3 of Pre-Lawsuit Attachment with late fees. See Pre-Lawsuit Letter-Attachment. 

( 2 ) In spite of previous five ( 5 ) requests, Navient refused to provide any accounting details how my payments applied after XX/XX/XXXX. 

( 3 ) In spite of previous five ( 5 ) requests, Navient refused to correct balance of student loan, as reported to all credit bureaus. 

( 4 ) In spite of previous five ( 5 ) requests, Navient refused to provide all texts of my phone authorizations to Navient, since XX/XX/XXXX. 

( 5 ) Navient refused to provide legal documents for its Legal Standing to collect payment of my student loan, in view of securitization and resecuritization of student loans. 

If all five ( 5 ) items are not provided by Navient on or before XX/XX/XXXX, I will be forced to file a lawsuit in Federal Court in Central District of California ( CDL ), XXXX XXXX on or before Wednesday XX/XX/XXXX seeking all damages under the law and attorney 's fees against Navient.
Consumer complaint received 2024-03-20
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: EQUIFAX, INC. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.