davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-13
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (SC)

My wife and I separated in XXXX of 2018. I found out in the following months after that she had set up an account with XXXX XXXX which I had no knowledge of and didn't give any permission. I contacted XXXX XXXX about this and the only information I was given is that a " live check '' was sent to the address and was deposited into a joint account which was was closed the day or so afterwards. I asked them how an account with my information was opened without my consent or any signature, and the only comment I received was that they didn't have to have one.
Consumer complaint received 2019-09-19
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. (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 2024-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

I am writing to file a formal complaint against XXXX Bank regarding the mishandling of a recent deposit and the unjust treatment I received during my interaction with the bank representatives. The details of the incident are as follows : On XX/XX/XXXX, I deposited a check issued by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$10000.00} for rental assistance into my account at 53rd Bank. Instead of verifying the legitimacy of the check properly, the bank automatically assumed it was altered without any valid reason and locked my account. 

Upon contacting the bank to inquire about the account lock, I was subjected to XXXX profiling during the conversation with the bank representative. The representative 's discriminatory behavior and baseless accusations added to the distress caused by the mishandling of my deposit. 

I believe that 53rd Bank 's actions not only violated banking regulations but also infringed upon my rights as a customer. The bank 's failure to conduct proper verification procedures and the discriminatory treatment I experienced are unacceptable and require immediate attention. 

I request the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that appropriate measures are taken to rectify the situation. My primary objectives are to have my account unlocked, the deposit verified promptly, and to receive an apology for the unjust treatment I endured.
Consumer complaint received 2019-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (NE)

In XX/XX/2018 TD Bank issued a fraudulent credit card in my name, to an unknown third party in association with XXXX XXXX, account number XXXX XXXX XXXX XXXX. The unknown person then used that card to purchase three cell phones for {$2500.00}. TD bank closed the account and removed the charges. 
When I filed their requested affidavit, I requested : " In accordance with the Fair Credit Reporting Act, please supply me with all the information that the fraudulent person used to apply for this credit account in my name and any other business records relating to transactions and accounts that resulted from the theft of my identity so that I take whatever additional steps are necessary to prevent additional fraudulent activity in my name. The following sources and quoted material makes clear my right to this information. 
https : //www.consumerfinance.gov/learnmore/ Summary of your rights when you believe you are the victim of identity theft links to https : XXXX XXXX. You have the right to obtain documents relating to fraudulent transactions made or accounts opened using your personal information. A creditor or other business must give you copies of applications and other business records relating to transactions and accounts that resulted from the theft of your identity, if you ask for them in writing. A business may ask you for proof of your identity, a police report, and an affidavit before giving you the documents. It may also specify an address for you to send your request. Under certain circumstances a business can refuse to provide you with these documents. See www.consumerfinance.gov/learnmore.

" TD Bank does not comply with their promised 1-day inquiry and 30-day fraud response times and should be held to account for that false advertising. 

TD Bank failed to use due diligence in the issuance of a credit card to an unknown third person, and is thus complicit in the theft of my identity. 

With the failure of TD Bank to respond to my inquiries, one is left to wonder if they are hiding activities such as XXXX XXXX was a few years ago. 

This is just a short summary. Full details are in the attached documents, which includes a 6-page cover letter with proper formatting.
Consumer complaint received 2019-04-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NM)

I cosigned a private loan with, Salliemae for my son XXXX XXXX 's loan in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for a total of  approximately {$34.00}, 000 for him to get an XXXX degree at XXXX. The account was consolidated at a rate of 3 % and it stayed at this rate until XX/XX/XXXX. The rate has jumped from 3 % to 5.25 % by XX/XX/XXXX. I was not even aware of it since payments are withdrawn automatically. Navient took over from Sallimae few years ago. This practice is to ensure students never get out of student debt. Is there any law against constant increase in rate approximately every three months. Is there any cap on student loan rate? I feel these are corrupt practices to make students keep on paying interest and not get out from debt. We have been making payments regularly over these years without missing a payment and are being rewarded with increased rates. Is there any federal agency overseeing these practices. Is it against the law. I don't understand why in last 4 years rates have almost doubled having stayed constant for so many years. Any help would be appreciated. i can provide more details if needed. 
Thanks, XXXX XXXX
Consumer complaint received 2023-04-05
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. (FL)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2019-04-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (FL)

The Telephone Consumer Protection Act of 1991 ( TCPA ) was passed by the United States Congress in 1991 and signed into law by President George H. W. Bush as Public Law 102-243. ... The TCPA limits the use of automatic dialing systems, artificial or prerecorded voice messages, SMS text messages, and fax machines.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

To whom it may concern : Below is information Ive identified on my credit report that needs to be deleted from your records immediately. 
XXXX XXXX Account # : Account Description : Account Rating : Account Status : Account Type : Balance Owed : Closed Date : Credit Limit : Creditor Remarks : Creditor Type : Date Opened : Date Reported : Date of Last Activity : Dispute Status : High Balance : Last Payment : Last Verified : Past Due Amount : Payment Amount : Payment Frequency : Payment Status : Term Length : Loan Type : XXXX XXXX Individual CollectionOrCharge Off Closed Revolving {$0.00} -- XXXX DISPUTE RESOLVED REPORTED BY XXXX Banking XXXX XXXX XXXX XXXX {$580.00} -- -- -- -- -- XXXX XXXX XXXX -- -- -- {$0.00} -- -- -- -- -- XXXX XXXX XXXX
Consumer complaint received 2023-07-27
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. (NC)

In XXXX XXXX XXXX, I realized that on my report their was inaccurate information being reported. The credit card is from XXXX XXXX XXXX  opened on XXXX XXXX XXXX. I have reached out to the company to get removed but no luck. Please remove this fraudulent account!
Consumer complaint received 2019-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc. (CA)

So I dont really check my credit report, and recently after all the data breaches and what not that have been going on I finally looked into it. And what I've found was kind of shocking. 
On my open accounts from XXXX XXXX/ XXXX XXXX they have miss reported it on 3 different occasions. 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX then on XXXX XXXX XXXX ( which is closed ) they have mistakes on there also XX/XX/XXXX and XX/XX/XXXX and I found an Iquire from XXXX XXXX XXXX showing a XX/XX/XXXX pull but Ive had this account over 2 years! 

I have never been late on paymets becuse they are auto paid i reached out the the lenders and they refused to fix the problem these late scores are hurting my credit. I didnt think I had to watch out for these shady practices. Please help
Consumer complaint received 2019-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX XXXX # XXXX is reporting a balance on a card that I have already paid. It has been reporting lates that should not be on there as the account should not have had a balance. It has a current balance of {$72.00} and that is causing the account to report a late monthly. This is paid off, there should be no balance or reporting lates.
Consumer complaint received 2019-09-19
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. (UT)

XXXX  XXXX XXXX # XXXX is reporting a balance on a card that I have already paid. It has been reporting lates that should not be on there as the account should not have had a balance. It has a current balance of {$72.00} and that is causing the account to report a late monthly. This is paid off, there should be no balance or reporting lates.
Consumer complaint received 2019-09-19
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. (PA)

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.
Consumer complaint received 2019-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX  XXXX XXXX # XXXX is reporting a balance on a card that I have already paid. It has been reporting lates that should not be on there as the account should not have had a balance. It has a current balance of {$72.00} and that is causing the account to report a late monthly. This is paid off, there should be no balance or reporting lates.
Consumer complaint received 2019-09-19
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: Experian Information Solutions Inc. (IL)

I have been disputing a Negative XXXX XXXX account that's on my credit report for 1 1/2 year now. Experian states " This account is scheduled to continue on record until XX/XX/2019 ''. It is XX/XX/2019 and it reported this month I want it Removed within 15 days off my credit report. I uploaded poof in the picture that Experian need to remove it.
Consumer complaint received 2019-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I have a few situations going on with my credit file. I have had a few addresses that need updated. My name is XXXX XXXX XXXX My address is XXXX XXXX XXXX  XXXX OH XXXX. PLEASE DELETE REMOVE THE FOLLOWING : XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2002 XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX. 
I would like a new report sent with my information updated correctly.
Consumer complaint received 2019-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have a few situations going on with my credit file. I have had a few addresses that need updated. My name is XXXX XXXX XXXX My address is XXXX XXXX XXXX XXXX OH XXXX. PLEASE DELETE REMOVE THE FOLLOWING : XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2002 XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX. 
I would like a new report sent with my information updated correctly.
Consumer complaint received 2019-09-19
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. (CA)

My older brother tried to dispute his name, SSN & DOB to be corrected in Equifax. However, instead of creating a new profile for my brother, they DELETED MY name, SSN, & DOB in Equifax system & entered HIS name, SSN, & DOB along with HIS home address in MY credit file. This caused my name, DOB, SSN, & current home address being wrongly entered. I am unable to dispute to have it returned back to my personal information as they stated it is correctly entered in their system. This is fraudulent information. All of these credit history do not belong to my brother. They all belong to me. Now it does not show that I have any record with Equifax.
Consumer complaint received 2019-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: CITIBANK, N.A. (MI)

Convenience check returned for insufficient funds by credit union Being charged bounced check charges and refusal by Citibank to correct errors even though charging for transactions and balance Money has still not been transferred to my account
Consumer complaint received 2019-09-19
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. (FL)

I have attached information pertaining to the problems with my Equifax credit report. I have been disputing these problems with Equifax and the associated companies involved for more than a year now and everything always come back as verified. The errors that I am reporting are violations and truly makes no sense but it is still reporting as Accurate and Verified. I am asking that all the accounts that I am seeking your assistance with be removed from my Equifax Credit report.
Consumer complaint received 2023-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX Account # ... XXXX Capital one closed my account XX/XX/2022 and has been charging me interest rates and late fees sinced they closed my account. If they going to close my account. Close it. But it is fraud to keep charging me interest rates and late fees.
Consumer complaint received 2019-09-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Home Loan Center, Inc. ()

XXXX has been hounding me for ages, and it reached a point where they claim I have a debt. I am not sure when this dates back to, the earliest email I still have from them dates back to XX/XX/XXXX, which is a welcome email, but it feels longer, and I may have deleted prior emails. It reached a point where they state I had eight unconfirmed accounts and emails that I had a {$2200.00} Credit Card debt ( XX/XX/XXXX ). A strange email arrived in XX/XX/XXXX congratulating me for paying off my loan, but was soon followed by more claims that I still had the same debt. My attempts at unsubscribing from what I first assumed was spam, were impossible. Their site always gives an error every time I try, and the only email I managed to send ( XXXX ) was unanswered. 

Yes, this could be an attempt of identity theft, but unlikely, because it is not well done. For a start, they use my name XXXX. XXXX is my middle name, one that I use on a day-to-day basis, but not on anything official. Anything official, such as credit cards, would use my first name, which I am reluctant to write here at risk of increasing my exposure. Some years ago, after the XXXX depression, through to about XXXX, maybe, I was seriously interested in buying a house on the low market, and made contact with numerous brokers, through the XXXX app. I over-analyzed and missed the boar, and gave up the idea, never going beyond inquiries. In those contacts, I would probably have signed as XXXX, and my details may have then somehow reached XXXX through some unprofessional broker. 

The thing is : I do not live in the US, never have. I have traveled there on several occasions. I have never incurred any debt that I am aware of. If I owed traffic fines or car rental companies, the debts would be small, and would come under my first name because that is the name on my credit card. 

My email is being passed on to others, without regard for privacy. Today I received emails from two firms offering to help with my so called debt, XXXX XXXX and Upgrade. I have written back to both, asking them to stop. XXXX XXXX webpage is inaccessible, gives an error page. 

I attach several relevant screen shots of some of the emails received.
Consumer complaint received 2019-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion is reporting inquiries on my credit report that I did not authorize. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I have requested TransUnion to remove these inquiries on two separate occasions. I am requesting your assistance in having this incorrect information from my credit report as it is impacting my credit score. 

Thank you
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX