davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-08-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION (FL)

Established XXXX account at Suntrust ( now Truist ). Sent check to beneficiary in XXXX for {$95000.00}. Beneficiary received the check, endorsed it and deposited this check into his account. Check cleared Suntrust on the XXXX XXXX XXXX, but the funds were never deposited into beneficiaries Scottish bank account. I, as Trustee, contacted Truist to try and find out to which account the money was deposited into after it left the trust account. My fist contact with Truist was in XXXX of XXXX at the branch level. This was no help, but they did give me the XXXX phone number for Truist. I called it in late XXXX and must have spent hours on the phone trying to get someone to listen to me. I was told by a number of these different people I should put a " STOP PAYMENT '' on this check, since Suntrust had paid the check I informed them how could I. After months of trying I finally I spoke to XXXX XXXX, she understood what I was asking and said she would try and help solve this situation. She called me today ( XX/XX/XXXX ) and informed me that Truist policy was that once the money left the trust account legally there was nothing that they would do about it, Truist was not legally bound to inform me of to which account they had sent the money to. It is a simple question I ask -- what account did the money go to after it left the XXXX account, as it wasn't deposited to the beneficiaries account. 
The Suntrust trust account number is XXXX, the routing number is XXXX, the EIN to which the account was set up is XXXX, the account was opened at the branch in XXXX XXXX, Florida around XXXX XXXX. There are two Trustee 's on this account, I am one of them, my name is XXXX XXXX. I can be reached at either XXXX or by cell phone at XXXX - XXXX - XXXX. I also sent a certified letter to the CEO of Truist on the XXXX of XXXX, explaining the dilemma of trying to solve this question " To which account did the money go to after Suntrust ''?
Consumer complaint received 2022-05-03
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  Account # XXXX 15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 section 602 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MA)

I have an unauthorized hard inquiry from a company named " XXXX XXXX '' on my Equifax credit report from XX/XX/2018. I called the telecommunication company XXXX and their credit department insisted that they did not make the inquiry. Equifax declined to provide any contact information of this company and refused to remove this inquiry from my credit report.
Consumer complaint received 2023-03-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (OH)

i never did business with this company and furnishing false reports about me and they violated my right to privacy Your company shared statements as evidence and a copy of a consumer contract as evidence of the debt, but as per judgement with Pacific Concrete F.C.U vs. Kaunanoe, a copy of the consumer contract is not sufficient evidence of the debt. I demand you have original signed documentation of the alleged contract or signed credit card statements you also need, and competent fact witness to attest to the validity of the alleged debt.
Consumer complaint received 2020-06-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Since XX/XX/2019 Bank of America has reported a new charge off every month so my account is now showing 14 charge offs. Additionally, I am paying as agreed with their collection agency after trying many times to work out a deal with them. There was only one charge off. I reported this and received a letter stating that the investigation was closed and the information was correct. This is the pinnacle of UNFAIR credit reporting and I request that you require them to accurately report that there was one charge off in  XX/XX/2019. Absolutely show my past due amount in fact, I am also paying as agreed.
Consumer complaint received 2019-02-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CNG HOLDINGS INC (FL)

I RECEIVED TWO LETTERS in the mail from XXXX XXXX XXXX in regards to debt they claim I owe XXXX XXXX. Account numbers are XXXX AND XXXX. I contacted the collector and was promised that after each debt was settled, they would both be deleted from my report. 
I offered to pay {$650.00} XXXX and {$700.00} for XXXX. They verbally accepted the offer via phone and I am waiting for them to remit a written agreement stating the debt will be deleted via postal mail.
Consumer complaint received 2020-12-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (FL)

HELLO MY NAME IS XXXX XXXX, THE CITI BANK ALREADY HAS MORE THAN 3 MONTHS THAT IS IN THE PROCESS OF CLOSING MY ACCOUNT, AND IT IS NOT YET CLOSED, THE ACCOUNT HAS {$2000.00} BALANCE AVAILABLE AND THE BANK HAS NOT SENT ME A CHECK WITH THE FUNDS THE DELAY IS TOO LONG THE BANK DOES NOT WANT TO CLOSE THE ACCOUNT AND SEND ME THE CHECK WITH MY FUNDS, PLEASE ACT NOW AND SEND MY CHECK. DEBIT CARD:XXXX
Consumer complaint received 2020-12-17
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC (VA)

Beginning XXXX XXXX I have received calls daily until XXXX XXXX today, XXXX XXXX. The calls are from phone number XXXX, Sequium Asset Solutions. I am not the person they are trying to contact. I have spoken to them twice to confirm this and they confirmed I am not the person they are attempting to contact. I was told by both employees that my number would be removed from their contact list. It has not been removed. My next step is to contact an attorney.
Consumer complaint received 2022-01-07
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. (TX)

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : XX/XX/XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX  OPENED : XX/XX/XXXX XXXX. XXXX
Consumer complaint received 2019-02-07
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: INVESTORS BANK (NJ)

they seem to be taking more money than there supposed to.Im on hold now for 15 minutes they wont give me my escrow numbers for past 7 years so I can see. all they tell me is your taxes keep going up.They say we'll call u back and they don't.
Consumer complaint received 2019-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (NC)

SOMEONE USED MY IDENTITY TO OPEN A FRAUDULENT ACCOUNT THAT I DID NOT AUTHORIZE. NAVY FCU DOES NOT HAVE MY SIGNATURE ON ANY DOCUMENTS OR PROMISARY NOTE EITHER! I DID NOT AUTHORIZE THIS ACCOUNT AND THIS IS MY THIRD AND FINAL ATTEMPT TO HAVE THIS ACCOUT REMOVED.
Consumer complaint received 2023-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To Whom It May Concern, I am a victim of identity theft, XXXX XXXX opened up a fraudulent auto loan in my name with XXXX XXXX. I have filed a FTC report, Report number : XXXX. I have contacted XXXX XXXX, Transunion, XXXX and XXXX to have this fraudulent account removed, and they have yet to remove this account. In addition I have filed a CFPB complaint against XXXX that has not been acknowledged and it has been well over 30 days, Complaint id number : XXXX. A copy of my drivers license and social security card as proof of my identity, proof of my current address, plus FTC Report. I am writing to request that Transunion, XXXX and XXXX place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 
In addition, this is hurting my reputation and disabling me from applying for a car, a house, and anything that has to do with using my credit FICO and credit score.
Consumer complaint received 2022-08-18
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. (FL)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 XXXX account XXXX
Consumer complaint received 2019-02-07
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. (ME)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2022-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

After reviewing my credit reports I noticed accounts that I didnt recall. My information was compromised and sensitive information as well as personal items and devices were at risk. I would like removal upon investigation of : XXXX XXXX And also any original documentation used to open this account, ID, signature, credit card
Consumer complaint received 2022-08-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I refinance with capital one bank XXXX of 2021. In XXXX of 2021, I began asking Form my title. It after multiple attempts at least 10..I am contacting you for assistance. Maryland is a title state so I should have my title to show ownership. I have been paying capital one every month on time and have yet to receive a title to show this vehicle belongs to me. I've asked for compensation from them and they are telling me there is nothing they can do so I have to just sit and wait patiently until they decide to give me what is rightfully mine. I've given them all of the extra documents they need and they are still contact contact me for the the XXXX address where to send the paperwork! They should have this.
Consumer complaint received 2022-08-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX XXXX and XXXX XXXX XXXX scammed me out of money. They told me they would refund my money after not providing services. Breach of contract. They blocked me after receiving the money and had no intention providing services..They committed provided Fraud by Deception. I have reached out several times for a refund with no success. The last message I received was that I had to wait 189 days for a refund since I wouldnt send more money. These people are scamming people out of money from XXXX. This is where I found them at.
Consumer complaint received 2020-07-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$29000.00} XXXX   XXXX XXXXXXXX {$3400.00} XXXX XXXX {$160.00} XXXX XXXX
Consumer complaint received 2023-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (PA)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2021-04-13
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. (AZ)

XXXX XXXX purposely exposed my partner and me to an egregiously high-interest rate and loan repayment on a late model vehicle. When I became sick with a rapidly advancing XXXX two-years after the loan repayment schedule began, I requested the loan be leveraged and the vehicle returned to XXXX to avoid repossession. XXXX refused to allow me to return the vehicle and instead illegally repossessed it from the garage of our home which sits on private property. 

I was left without a vehicle and XXXX quietly began harassing us for repayment. At the time, due to my illness, I was unaware that XXXX had a class-action suit against them for abusive and aggressive lending practices to vulnerable populations such as those earning lower wages, minority communities, the elderly, etc. Just last year a collection agency stating they were working on behalf of XXXX, began contacting us stating they would take a partial payment and cancel the remaining debt. Eventhough I was still recovering and needed one more operation, we scraped together the monies, totaling nearly {$6000.00}! All three major credit bureaus still are reporting excessive amounts due and that the account is written off. 

We were promised this debt would be settled and removed. It has not and XXXX states they refuse to remove it. They are reporting all types of monies due from $ XXXX to $ XXXX, depending on the credit report. Even if I look on XXXX  XXXX the amount due is different than what each individual bureau reports it to be : Equifax - {$35000.00} reported as total due as of XX/XX/XXXX XXXX  - {$37000.00} reported as total due as of XX/XX/XXXX XXXX  - {$25000.00} reported as total due as of XX/XX/XXXX Several attempts have been made through the XXXX major credit bureaus to rectify and/or remove this erroneous data! How could we owe {$10000.00} ( +- ) on the exact same day? I was humiliated while nearly sick unto death. We asked XXXX, under the right to cancel the loan due to illness or death, to return the car due to XXXX under the terms of our agreement, but XXXX refused! I tried reaching out early on to ask for support to keep the car for our family 's needs but finally had to concede to request to return the vehicle as they refused any changes to the contract - even legitimate ones! The court has found XXXX guilty of excessive interest loans and we are proof of that. We joined the class action suit against them in effort to rectify this matter! Our auto loan was over {$1000.00} per month! So we could not possibly owe the funds they claim as XXXX XXXX knew we were vulnerable because of my XXXX! Please reinforce fair credit practices and make them remove these ridiculous, excessive and cutthroat charges from my credit profile!
Consumer complaint received 2023-06-30
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)

Despite multiple written requests, the unverified items listed below continue to report on my credit report violating federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these items, I will take legal action against them. Please follow the law to resolve this matter as soon as possible. 
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 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: National Consumer Telecom & Utilities Exchange, Inc. (NM)

I am a victim of identity theft. I called the NCTUE phone number XXXX to obtain opt-out of prescreened promotions. I have contacted National Consumer Telecom & Utilities Exchange via several certified letters ( 3 certified letters ) and have asked for PEMANENT opt-out of prescreened promotions. I provided NCTUE will all the documents that they required to process the permanent opt-out, including copy of my NM driver 's license, copy of social security card, name, address, date of birth, XXXX Police report, FTC identity theft report. I have received a letter confirming the 5-year opt out. However, I asked for PERMANENT opt-out and this has NOT been accomplished by NCTUE. I would like cfpb 's assistance in this matter. thank you.
Consumer complaint received 2019-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I have disputed XXXX Collection debt {$540.00} listed as a collection on my credit reports- I have not been able to contact the company listed as the collector by the address and phone number listed on the credit letters- I also was not able to locate that company as a collection source with the Consumer Financial Protection Bureau . How can it be verified by XXXX- Equifax- XXXX  if I can not locate them through these resources I dispute this account and it's details are not verifiable and should be removed and deleted immediately
Consumer complaint received 2019-02-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (IL)

I was able to receive a loan from One Main Financial. The loan was for {$6000.00} for an interest rate of 35.99 %. They tacked on the interest rate and the loan was over {$11000.00}. I asked the agent why the rate was so high. She said it is a yearly rate. I then asked if I paid triple the amount owed would the interest still be that high. She replied no. Well that is a lie bc I did not realize it was a rule of XXXX loan, which is a total rip off. Companies should not be able to do this to borrowers. Its an awful loan and no one should sign off on this. I would have never done so had I fully digested what it was I was indeed signing off on.