davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (FL)

XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/1987 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXXXXXX XXXX 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 CREDIT COLL XXXX 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. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXXXXXX, XXXX XXXX SEC # XXXX DOB XX/XX/1987 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2021-06-30
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: CAINE & WEINER COMPANY, INC. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2021-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

I wrote Equifax 's President of Global Consumer Solutions XXXX XXXX to express my disappointment that my Equifax account has been locked out for months now and all the phone support representatives have been unable to help to get the account unlocked. 

The Tier 1 Equifax reps were happy to help lift the credit freeze, but they are unable to help me log into my account. 

Error message : We are temporarily unable to complete this request. Please try again later. 

This message hasn't changed in months despite trying multiple times a day for the past several days. 

Without the account, I can not : * File a dispute on my credit file * Obtain the free credit reports offered by Equifax * Lift my security freeze * Remove my security freeze The Tier 1 customer reps said I need to pay for a {$6.00} /month service to access my account again, which is an absolutely unreasonable request as accessing the Equifax account is necessary to perform the tasks above. 

In addition to the account login issue, I have verified through XXXX XXXX that Equifax doesn't have my XXXX XXXX XXXX card on file : - Opened : XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) - Credit limit : {$150000.00} In summary, I would like to request Equifax to fix the access issue with my account and fix the credit file to add the XXXX XXXX XXXX credit card on file.
Consumer complaint received 2021-06-30
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. (NJ)

I have been disputing several accounts on my Experian credit report, they continue to remain when in fact there fraudulent accounts. I have submitted proof showing that its fraud, submitted ID Theft report, my license, a utility bill showing their information is in correct. The creditor XXXX XXXX has closed theses accounts, they have no information that pertains to me on file. I would like for these accounts to be removed from my Experian credit report.
Consumer complaint received 2020-12-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PDQ Services, Inc. (GA)

I was sitting at home checking my emails and received notification that my information had been exposed in the XXXX data breach and it caused me to check my credit report. I noticed a few accounts that I did not authorize or recognize to be anything I had done. I reached out to the creditors as well as the bureaus involved. I sent the first certified letter to PDQ on XXXX XXXX asking for a validation of the debt which I received no response nor did I ever receive anything prior from them regarding a debt. I then sent a certified letter to XXXX and XXXX disputing the debt. One bureau replied stating unable to verfiy the debt and removed the account from my profile the other showed verfified. I then sent 2nd letter asking for validation of debt and still no response. At this point I know my rights as a consumer of the Fair Debt Collections Practices Act has been VIOLATED. The collector must validate the debt and PDQ has failed to do so and if this office is not going to enforce the law I will have no choice but to file a lawsuit. This has caused me more distress physically and mentally. I have all correspondence that I have sent certified to both the collection agency and credit bureau attached.
Consumer complaint received 2020-12-27
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: Experian Information Solutions Inc. (VA)

Beginning on XX/XX/XXXX, I filed a dispute with the credit bureaus. I later sent a letter on XX/XX/XXXX and again on XX/XX/XXXX. i requested that they do a full investigation in regards to these accounts but the incorrect and false information is still showing on my credit report. Section 611 ( a ) says that failure to investigate these items within 30 days gives reason to immediately remove these accounts from my credit report. It has been well over 60 days since I have been going back and forth with them and I feel as of my request is being ignored or overlooked. I am demanding that this accounts be deleted immediately or I will seek legal representation since these accounts are in litigation due to a workman 's comp case.
Consumer complaint received 2020-12-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Finance Company, LLC (AZ)

I am being sued by a company ( XXXX XXXX XXXX that is not a registered entity in my state of AZ. The XXXXXXXX XXXX XXXX filed a claim stating the original creditor was XXXX which is false, misleading and hampered the defendants ability to file an accurate answer defense response to the complaint. There is also an Arbitration agreement with the original creditor Continental Finance that states any claim that arises out of or in any way relates to the Agreement, your Account, or this Provision ( the Claim ( s ) ) shall be resolved exclusively by binding bilateral arbitration in accord with the following : a ) This Provision is contained in a contract evidencing interstate commerce and is governed by the Federal Arbitration Act, 9 U.S.C. Sections 1-16.
Consumer complaint received 2020-12-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (GA)

I have a VA Mortgage loan with Flagstar Bank. FlagstarcBank Mortgage Loan Representatives refuse to provide me with a list of options in writing specifically identifying ways I can make up payments remaining after exiting forebearance other than making a lump sum payment. I have spent countless hours trying to obtain this information and requested a written list of options be mailed to my home address.
Consumer complaint received 2020-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (IL)

In 2020, I have incurred purchase interest charges every single month on my Sapphire Preferred Card. The charges are typical, as with most credit cards. Like many other Americans, I lost my employment during the pandemic. Ive used my unemployment to help pay down some of these charges, but the interest charges are in the hundreds of dollars every month, severely limiting my ability to pay down my debt. 

I contacted the bank, since I havent had any previous fees reversed on this card in over three years, to see if they would reverse any interest charges as a courtesy during this hardship. ( These monthly charges range between $ XXXX $ XXXX ) The response was that the bank ONLY reverses any type of charges for customers who have the ability to pay their credit card off in full at the end of the month. This type of policy specifically has a DISPARATE IMPACT on folks who are in a similar situation. Folks who are capable to pay down debt are afforded fee waivers upon request, while those going through a challenging time face no forgiveness. 

COVID19 reliefs at Chase doesnt help this scenario since interest still accrues even if payments are deferred. I asked for any help to have some interest charges reversed, only to be declined without regard or sympathy.
Consumer complaint received 2022-10-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

I recently realized that my Citibank checking account was being fraudulently debited for a period of about 10 months. From XX/XX/XXXX through XX/XX/XXXX my account was debited for a total of {$25000.00} from four different merchants ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). All charges from these merchants were fraudulently debited as I have never authorized any debits from any of these merchants. 
I first noticed these unauthorized charges on XX/XX/XXXX and immediately contacted Citibank to inform them and to dispute these charges. Citibank also informed me at that time that the charges from these four merchants originated with one person by the name of XXXX XXXX. 
Ive had this checking account at Citibank for more than 30 years. During the course of this time, I have never had any cause for concern with regard to fraudulent use of my account and therefore very rarely checked the activity on the account. The only debits to my account that I have ever authorized were for credit cards, mortgage and insurance payments ( auto, life and health ) and a very limited number of other charges almost all of which were debited on a regular monthly basis. 
From the time these fraudulent debits began on XX/XX/XXXX, debits were being made every few days. Despite the fact that this was a sudden and obvious departure from my regular, authorized debits, Citibank did not flag or question this nor was I notified by them of these new, frequent charges. Additionally, even though I notified Citibank on XX/XX/XXXX about these fraudulent charges and asked that these four merchants be blocked from debiting my account, nonetheless Citibank still allowed more debits from these same merchants on XXXX, XXXX and XXXX. 
To date Citibank has reversed a number of these charges and has credited my account for a total of {$11000.00}. I am requesting that they credit my account for the remaining amount of {$13000.00}.
Consumer complaint received 2023-09-13
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. (TX)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

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 2022-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (NV)

Citi Credit Cards advertise compliance with federal laws pertaining to the allocation of payments made to balances owed at differing interest rates. Citi 's terms of service state that, " The minimum payment is first applied to any interest charges, late fees, and past due amounts ( if applicable ). The remaining portion of your minimum due will be applied to the balance with the lowest interest rate. Any amount paid over the minimum due, will be applied to the balance with the highest interest rate. If you have more than one balance at the same promotional interest rate, and no other balances at a higher interest rate, the payment is then applied to the promotional offer that expires first. '' In practice, payments made that exceed the minimum amount due are not credited or " allocated '' to the highest interest rate. Citi advertises a remedy to this issue on their website : contact customer service and request the payment be reallocated to the highest interest rate. There are issues with Citi not automatically applying payments to the highest interest rate balance after the minimum payment has been satisfied. 1. Customer service is unaware of this issue and lacks the authority to reallocate the payment. 2. My wait time between requesting the reallocation ( XXXXXXXX XXXX ), being transferred to a supervisor ( XXXXXXXX XXXX ), the supervisor responding ( XXXXXXXX XXXX ), and then receiving confirmation that Citi incorrectly applied the payment ( XXXXXXXX XXXX ) exceeded one hour. This is an unreasonable amount of time to spend correcting an issue for which I am not at fault. At scale, Citi 's practice of not applying payments that exceed the minimum amount due first to the highest rate balance is likely costing consumers millions of dollars in interest. Citi 's advertised remedy of contacting customer support to get the payment allocated correctly ( XXXX Citi 's terms and conditions and federal law ) is unreasonable for the average consumer, and - at scale- is likely wasting thousands of hours of consumers ' time and discouraging them from holding Citi accountable for how it applies payments made that exceed the minimum balance. Lastly, when Citi discovered the error, there was no mechanism to ensure the error was fixed " globally '' ( company-wide ). The errors are simply corrected as consumers report what they have discovered. The same error can occur month after month. Citi will continue this predatory practice without intervention from an authoritative source.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally dispute an error, discrepancy, and unrecognizable account that is appearing on my credit report. Upon careful review of the information provided by your agency, I have identified several inaccuracies in your reporting. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Fraudulent inquiries made to my credit report for things I did not apply for XXXX XXXX XXXX - XX/XX/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 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NJ)

Equifax 's automated telephone tree has some kind of loop requiring me to validate my identity repeatedly in order to speak with a representative about my dispute. I went through their validation process three times without reaching a representative. I was told I had successfully validated my identity, then asked to validate my identity. Additionally, each validation required me to receive a code over SMS, and I needed it resent several times before I received it. All told I spent half an hour repeatedly validating my identity until I gave up and hung up.
Consumer complaint received 2020-12-28
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: Experian Information Solutions Inc. (FL)

I submitted all the proper identity theft documents including a police report and identity theft affidavit back on XX/XX/2020. I have proof of the certified mail receipts showing the dates received by all 3 bureaus ... .nothing was done.The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.
Consumer complaint received 2020-12-28
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: EQUIFAX, INC. (FL)

I submitted all the proper identity theft documents including a police report and identity theft affidavit back on XX/XX/2020. I have proof of the certified mail receipts showing the dates received by all 3 bureaus ... .nothing was done.The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.
Consumer complaint received 2024-02-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: AXOS FINANCIAL, INC. (MA)

Subject : Complaint Regarding Misattributed Messages in Bank 's Secure Messaging System Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a complaint against UFB Direct, a division of Axos Bank, regarding a deceptive practice in their secure messaging system. 

Background : On XX/XX/XXXX, I accessed my secure messaging system within my online banking account at UFB Direct, division of Axos Bank. I discovered that the system displayed messages attributed to me that I did not write. I contacted the bank immediately to clarify this issue. 

Communication with the Bank : On XX/XX/XXXX, I contacted UFB Direct, a division of Axos Bank, customer service via secure messaging system and explained the problem. I specifically stated that messages were labeled with my name, making it appear I wrote them when I did not. I also provided a screenshot of the message thread as evidence. 

Following this initial contact, I engaged in further communication with the bank over the next two months to seek a resolution. However, despite my efforts, the bank ultimately responded on XX/XX/XXXX stating that misattributing message authorship is not an error, but their standard practice. They confirmed they have no intention of changing this practice. 

Concerns and Request : I believe this practice by UFB Direct, a division of Axos Bank, is misleading and deceptive. Assigning authorship to messages that I did not write misrepresents the information and creates a potential risk of confusion and misuse. This is particularly concerning in a secure messaging system where accurate communication is essential. 

Therefore, I request the CFPB to investigate this matter and take appropriate action to ensure UFB Direct, a division of Axos Bank, implements practices that accurately reflect message authorship within their secure messaging system. 

Additional Information : I have attached the following documents for your reference : Screenshot of the message thread showing misattributed messages. 
Copies of all communication I have had with UFB Direct, a division of Axos Bank, regarding this issue. 

Thank you for your time and attention to this matter. I look forward to your response and further action on this complaint.