davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-22
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: STATE FARM BANK, FSB (CA)

I AM VICTIM OF AN IDENTITY THEFT, AND I HAVE SENT MY IDENTITY THEFT REPORT TO XXXX  NUMEROUS TIMES, BUT THEY NEVER SEEM TO GET ANYTHING IN THE MAIL OR WHEN YOU UPLOAD, TALKING TO THEIR AGENTS SAY WE HAV ENOT RECEIVED ANYTHING IN THE MAIL IF ITS NOT REACHING TO THEM WHY IS IT NOT COMING BACK TO ME. I HAVE ALSO TRIED TO UPLAOD THEY KEEP TELLING ME ITS NOT REACHING TO THEM, I NEED THE FRAUDULENT ACCOUNT TO BE REMOVED FROM MY CREDIT REPORT. THIS ACCOUNT WAS OPENED WITHOUT MY CONSENT, KNOWLEDGE.
Consumer complaint received 2024-02-29
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (TX)

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Dear CFPB, I hope this letter finds you well. I am writing to bring to your attention a concerning issue I have encountered with Experian, and I am seeking assistance in resolving this matter. 

On [ date ], I received an alert from Experian stating that my credit score had decreased by XXXX points. Upon checking my account and reviewing my credit report, I found no explanation for this significant drop. I am diligent in maintaining my financial responsibilities, and my credit report has been consistently clean. My payment history is on time, including payments for my stolen car situation. 

Regrettably, when I contacted Experian to seek clarification, their representatives were unable to provide satisfactory answers to my questions. Despite my efforts to maintain a good credit standing, the lack of transparency on the credit score drop has left me confused and concerned. 

Additionally, I would like to highlight my experience with XXXXXXXX XXXX where I have faced challenges in obtaining assistance for my stolen car situation. The difficulties in resolving this matter have added to my distress. 

I am reaching out to the CFPB with the hope that you can investigate this issue, shed light on the reasons for the credit score decrease, and assist in rectifying any inaccuracies. I understand the importance of maintaining a good credit standing and am committed to resolving any issues that may affect it adversely. 

Thank you for your attention to this matter, and I sincerely appreciate any assistance you can provide in resolving this situation promptly. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-02-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I am writing to dispute the fraudulent account that has appeared on my credit report. Upon reviewing my credit report, I discovered an account that I did not open or authorize. This unauthorized account is damaging my credit score and reputation, and I demand immediate removal from my credit report. XXXX XXXX XXXX
Consumer complaint received 2021-03-19
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

At least 2 years ago I ran into problems with my bank over their claims that a check that I tried to deposit was fraudulent. At the time I had been trying to find jobs that I could do that were more independent, work from home and more like me being my own boss due to certain medical limitations that I have that prevent me from driving and that therefore get in the way of me being able to hold a full time job responsibly in a way that employers would be satisfied with. So one of these things was being a mystery shopper with a company I found on the internet in which they supposedly would send out a check for so much for me to then go mystery shop in different ways or for different reasons or things and get paid for doing the research. But the bank claimed the check I got was fraudulent. So I printed out all the emails pertaining to this and showed it to them, but they still wouldnt research it to verify whether or not if they may have made a mistake. So they froze my account and prevented me from either taking anything out of it or depositing anything into it and never let me retrieve my money out of it and now ( as of XX/XX/2021 ) claim that the accounts been closed and that they didnt keep or steal anything from me. But I know I still had money in my account that didnt have anything to do with any check ( {$140.00} ) back then and now it even shows on the XXXX website that I have cash still just sitting there. And recently, I began a new online business and my first payment of {$80.00} based on what the debit companies website shows mistakenly got deposited into that old account also due to how when you set up the account with the debit company they automatically pull up your banking info and enter it themselves. Which also tells me that the account isnt really closed like the bank is trying to tell me that it is if a place like a debit card payment company can still mistakenly pull it up as an open account. So I want my money back from this bank and for the account to really truly officially be closed. Thank you.
Consumer complaint received 2022-01-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (AL)

Hey I sent in two copies of dispute letters and they did not give me feed back on them. By law after 90 days of no response the debt is suppose to be removed. I know the laws and this concerns me. I want feed back.
Consumer complaint received 2022-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (MD)

My debit card was compromised on XX/XX/XXXX. There was six unauthorized transactions completed on my account for the amount of {$970.00} at XXXX for six different transactions. One for XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. So far, I have only received {$510.00} on XXXX and {$120.00} on XX/XX/XXXX in refunds from the bank. I received a refund of {$110.00} on XXXX from XXXX. My issue is every time I call about the remainder of my money that is owed to me, Im getting false information or it is still pending. My card was compromised, Ive been violated and for as long as I have been a member of this bank, they should know my spending pattern and know my card was compromised and know I did not make those purchases. So where is the rest of my money? I dont understand why is it taking them so long to give the remaining funds that is do to me. The remaining of what is truly owed to me is {$220.00} since XXXX has already refunded me my money.
Consumer complaint received 2021-03-19
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. (SC)

Equifax is reporting the account with XXXX inaccurately on my credit report. Upon reviewing my credit report, I did not recognize this account. I initially sent a request for Equifax to validate the account, and send my proof such as a copy of a signed agreement or any other documentation to validate the information being reported was indeed mine or correct. After four different attempts, they have failed to provide me proof of this account. I have disputed this information four times, and have given them warning that if it could not be validated, to remove it from my report, or else I would file a formal complaint. In addition, the information Equifax is reporting does not match the information being reported by the other credit agencies. They still have not done anything about this. I sent a dispute to them on XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. I gave them ample time and opportunity to resolve this issue before having to take this route of filing a complaint.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The have totally locked me out of ALL and any contact from any source Internet phone mail! Their so called assist sites do NOT WORK- see message " We were unable to honor your request. If you entered your credit card information, we did not charge you " How are we or for that matter anyone able to function financially when they control and utterly can destroy your ability to secure fiances????????? The fact they operate off shore could be a comprehnsion problem???? We need action NOW!
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are many student loans and an acct on my credit report that Do not belong to me I have not applied for these I have not signed for these or applied for these!!!! I have sent multiple letters to bureaus and furnishers but have not received anything back. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXccount Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 — Personal information incorrect
Company: Credit Karma (KY)

My name is XXXX XXXX, ssn is XXXX birth date is XX/XX/01 My only two known addresses since turning XXXX are XXXX XXXX XXXX XXXX XXXX, ky XXXX And XXXX XXXX  XXXX XXXX XXXX, ky XXXX. 
I've tried every credit union I know they all say something along the lines of " file does not match with the credit bureau 's records '' I'm just not sure where else I could be going wrong.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

The following accounts are not mines, these unauthorized accounts shall be removed from my credit file immediately. 

1. XXXX XXXX {$570.00} 2. XXXX XXXX {$810.00} 3. XXXX XXXX XXXX {$240.00} 4. XXXX XXXX XXXX {$180.00}
Consumer complaint received 2021-03-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Dynamic Recovery Solutions, LLC (MN)

I talked to Dynamic Recovert Solutions about this and they told me to contact you about. First of all the address I live at has no apt number. The address for the account has an apt number. The debt was made in XXXX of 2011 in the amount of $ XXXX. I am just now getting notified about this. I have received letters in the mail asking me to send money for this.
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 information incorrect
Company: EQUIFAX, INC. (TX)

I sent a validation letter to XXXX XXXX XXXX , XXXX on XX/XX/XXXX. They didn't respond until XX/XX/XXXX. They failed to validate that they are authorized to collect in Texas and other demands I have by right. They only sent a copy of a contract. I sent a letter to Equifax on XX/XX/XXXX demanding removal of account number XXXX for being in direct violation of the fair credit reporting act twice. 15 days have passed and I still have not been updated on the status of this removal. I would like this to be removed immediately. 

I authorize CFPB to investigate this matter on my behalf for account number XXXX attached to my social ending in XXXX.
Consumer complaint received 2022-01-03
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: Stern Recovery Services, Inc. (SC)

Consumer reporting agencies have a significant amount of personal information about consumers. This information is invaluable in assessing a consumers creditworthiness for a variety of products and services, including loan and deposit accounts, insurance, and utility services, among others. The FCRA governs access to this information to ensure that a prospective user of the information obtains it for permissible purposes and does not exploit it for illegitimate purposes .The FCRA requires any prospective user of a consumer report, for example, a lender, insurer, landlord, or employer, among others, to have a legally permissible purpose to obtain a report. Transaction Dispute/ Request for Fraudulent Transaction Information Made pursuant to Section 609 ( e ) of the Fair Credit Reporting Act ( 15 U.S.C . 1681 ( g ) ) XXXX XXXX STERN RECOVERY SERVC ACCOUNT NUMBER MISSING NOT REPORTED XXXX XXXX XXXX XXXX XXXX NC XXXX Dear Sir or Madam : As I already reported via telephone, I am the victim of identity theft. I am writing to dispute a fraudulent [ charge/debit ] on my account in the amount of {$33000.00}. I am a victim of identity theft, and I did not make this [ charge/debit ]. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. 

Pursuant to federal law, I am requesting that you provide me and/or the listed Law Enforcement Designee, at no charge, copies of the transaction details and business records in your control relating to the fraudulent transactions. A copy of the relevant federal law is enclosed. 


In addition, I am enclosing a copy of sections 609 ( e ), 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 

Please investigate this matter and correct the fraudulent [ charge/debit ] as soon as possible. 

Sincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report FCRA Sections 609 ( e ) ,605B, 615 ( f ), 623 ( a ) ( 6 )
Consumer complaint received 2021-03-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (PA)

I received a letter from Resurgence today with regards to a utility bill that was dated back to XXXX. This original creditor I have not had since XXXX. I read the statute of limitations here on Pennsylvania and from what I have read it is past. I have more than one account with this collection agency of which it also states on the letter. Statement " The law limits how long you can be sued on a debt. Because of the age of your debt, LVNV Funding LLC can not sue you for it, and LVNV Funding LLC can not report it to any credit reporting agency '' I am being informed that because it is now past the time frame that they transferring this debt to someone else. This account is XXXX XXXX. The other account that I have was date XXXX and they are also trying to collect on this account. 
To my knowledge these accounts I have not heard from in over 10 years, now out of the blue they are getting in touch with me again.
Consumer complaint received 2021-03-18
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 previously asked this company for a investigation and asked this company to provide me with proof that investigation was preform this company filed to provide me with either when i called and asked how is this possible I was told to simply submit another dispute and i thought they have 45 to 60 day dispute process for a reason i have numerous receipt to company 's asking to remove the accounts that don't belong to me. I also submit certified receipts for investigation with no respond. I provide my identification card and social security card as proof of my identity and FTC report and I also made police report and receive a report number. Now this is my next step to filing a lawsuit. Thanks you
Consumer complaint received 2021-03-19
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. (SC)

Equifax is reporting the account with XXXX XXXX on my credit report, and I have never heard of this company. Upon reviewing my credit report, I did not recognize this account nor company. I initially sent a request for Equifax to validate the account, and send my proof such as a copy of a signed agreement or any other documentation to validate the information being reported was indeed mine or correct. After five different attempts, they have failed to provide me proof of this account, failed to provide proof that I have dealings with this company, and failed to validate this debt. I have disputed this information five times, and have given them warning that if it could not be validated, to remove it from my report, or else I would file a formal complaint. In addition, the information Equifax is reporting does not match the information being reported by the other credit agencies, which again leads me to believe this account is illegally being reported. This can not be mine, nor a real account, because the information across the agencies do not match. That is impossible for the exact same account to be reporting differently. After multiple attempts, they still have not done anything about this. I sent a dispute to them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I gave them ample time and opportunity to resolve this issue before having to take this route of filing a complaint.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

In accordance with the Fair Credit Reporting act. 
The List of accounts ON MY FTC REPORT has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A 15 U.S.C 1681 Section 604 A Section 2 15 U.S.C 1681c. ( a ) ( 5 ) 15 U.S.C. 1681s-2 ( A ) ( 1 ) XXXX, XXXX, AND EXPERIAN USES FORIEGN OFFSHORE CALL CENTERS TO HANDLE CUSTOMERS SSN AND PRIVATE INFORMATION WHICH IS TREASON AND ILLEGAL. 
THIS IS WHAT CAUSES HACKING AND DATA BREACHES. 
THEY ARE A THREAT TO THE XXXX XXXX ASSETS!!!!
Consumer complaint received 2021-03-18
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc. (AR)

To Whom It May Concern, I have tried to settle this issue with Santander multiple times. My ex-husband XXXX XXXX ( main borrower ) opened a car loan. I was included on the loan when I shouldn't have been. I tried making a police report, but I was told it was outside of statue of limitations. My ex husband is receiving relief through the class action lawsuit. However, as the co-borrower, I am not receiving any relief. I have called XXXX XXXX, Santander and my state attorney general to confirm that as a co-borrower I was not included in any type of relief. 
I was not supposed to be on the loan at all. I wasn't there to sign it. Santander opened not one, but FOUR car loan accounts in my name in an effort to push this through. All of the opened and closed car loans were opened in XXXX and XX/XX/2013. Out of four of these entries ( and they all have different account numbers ) only one stuck. This should have been caught by the company that FOUR different loans were pushed/failed through in my name. I have included a screenshot.