davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-15
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: Tower Loan of Mississippi, Inc. (TX)

There is company called Tower Loan who states that a cheque was sent to me at my address. I do not have any relation with company Tower Loan earlier as well as in current time. Neither I have contacted them, nor I have placed any request for issuing check on my name. So, no relationship between me and Company TowerLoan at all.

Though they have issued a cheque on my name and sent to my address. I have never received any cheque from Company TowerLoan as well as I have not cashed out that cheque. I got to know about whole this sequence when they called me and asked of cashing cheque. I said, I do not know about this, and I have not cashed out any cheque. As per company, it was cashed out that means it was stolen and cashed out. 
Recently, I got to know from my local USPS office, my community mailbox is vandalized, and they have stopped delivering any mails to mailbox. 

Company TowerLoan was asking me to come at their office and sign Fraud affidavit with them so they can take money back from Bank and it is win-win situation for both of us as i would be free of this discussion. I declined and strictly said I will not sign any fraud affidavit with your company since I do not have any relationship with your company. Further, I lodged a complaint with local police for fraud happen on my name. 

Regularly, I am receiving calls and text messages from Company TowerLoan that I need to go to their office address to sign Fraud Affidavit else late fines will be added to my account and it will report to my credit history. I replied it is already filed with local police. I am ready to share complain no. Company person who called, said, we do not work with them. 

Company Tower Loan still insisting I need to sign Fraud Affidavit else my credit history will be impacted. My simple answer is that I do not know you at all. Why should I come to your office and sign affidavit? Second, how this company knows my SSN details which is very secure and without my consent they have used it to issue cheque on my name. Company TowerLoan has responsibility to track the person who cashed out and recover amount. However, instead of doing that, they keep calling me and making me panic and harass.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (MN)

I 've been paying Navient for 11 years, on a {$2600.00} student loan. Every month, I pay a minimum of {$48.00}, totaling {$4600.00} and a total of 100 payments. Please help me, I still owe over half of the original balance. 

Thank you, XXXX XXXX
Consumer complaint received 2022-10-10
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, and US BKPT CT XXXX XXXXXXXX XXXX Date Filed : XX/XX/XXXX. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (FL)

First, I bought this house from a hard money lender and after I finished all the repairs I did the refinance with the same lender, into a rental loan. However, this new loan company keeps harassing me about insurance. When I did the refinance the mortgage broker found the insurance company for me and everything was fine but since this new servicer got assigned they have been harrasing me. I sent them the insurance that I had paid for initially. I sent them the master policy for the community and let them know that I'm only responsible for the inside of the unit. EVerything outside is covered by the condo association. But, they keep harassing me with mail every month, they even add more insurance to my account. I think this is unfair and I don't know what to do, to get them to stop harassing me, I don't understand why they are forcing me to get more insurance than I need. I feel like this company is a scam. It has been a problem since I started my service with them and now I'm locked into a five-year loan where if I pay it off before the five years I have to pay them a penalty.
Consumer complaint received 2022-03-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (OH)

This is the XXXX time I have disputed and filed a complaint with the CFPB and FTC over this account PHOENIX FINANCIAL SERVICE # XXXX It is a Third-Party Collection Agency unable to validate the debt. Other problems have included debt buyers selling with accounts with one creditor and then being collected by another who allegedly purchased the debt. This account has issues all over the place. I request some type of documentation thew I can review for my own personal investigation. What is the date of the last activity on this account XXXX cant seem to find it? Where is the XXXX waiver?
Consumer complaint received 2022-03-15
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: EQUIFAX, INC. (AL)

In XXXX and XXXX of 2022, i filed a dispute wit Equifax about the unverified collection reporting of XXXX XXXX XXXX account number XXXX. I alsoI requested validation of debt with XXXX XXXX XXXX account number XXXXXXXXI have sent 2 notifications, I have not heard from them in two months about this unverified account. So now I'm contacting the cfpb to step in and help me get this issue resolved. According to the Fair Credit Reporting Act, if a debt collector is not able to validate the debt that I owe, Then it must remove my report and I have not heard from them in over 2 months as of today. Thank you
Consumer complaint received 2018-07-02
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recovery obtained credit card debt that was written off from the original creditors in XX/XX/XXXX; since then, they were not only calling our home several times a day ; but both of our elderly mothers at their homes! They would call my mothers house sometimes four times a day ; she refused to answer. We have no idea how they obtained their numbers. 

Finally on XX/XX/XXXX, I sent cease and desist letters for both of our accounts listed with this agency. Contact did not cease ; but I didnt send it certified mail/return receipt. On XX/XX/XXXX, I sent the letters again, writing second request. 

Today, XX/XX/XXXX, we received 9 envelopes in the mail from this company. Some included proof of credit card debt ; the other letters stated that we could request substantiation of the debt. The letters included with proof of debt owed are worded as, in response to your dispute ... 

Nowhere in the letters sent to them ( twice! ) was a request for validation, nor disputing the debts. It asked for them to cease and desist contact. 

Other letters sent to agencies sent us responses acknowledging our cease and desist request. Portfolio Recovery either employs people who can not comprehend/read the letter, or they are bold and continuing to harass us.
Consumer complaint received 2022-03-15
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. (MN)

I received forwarded mail dated XX/XX/2019. The address that this mail is showing is incorrect, with my name on it. I do not recognize This account. Should be removed from the credit reports. I've tried to communicate with XXXX, and nothing has been done about this case.
Consumer complaint received 2022-03-15
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. (MN)

I received forwarded mail dated XX/XX/2019. The address that this mail is showing is incorrect, with my name on it. I do not recognize This account. Should be removed from the credit reports. I've tried to communicate with XXXX, and nothing has been done about this case.
Consumer complaint received 2022-03-15
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. (MN)

I received forwarded mail dated XX/XX/2019. The address that this mail is showing is incorrect, with my name on it. I do not recognize This account. Should be removed from the credit reports. I've tried to communicate with XXXX, and nothing has been done about this case.
Consumer complaint received 2021-07-25
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)

A person has attempted to use my personal information to open accounts in my name. I don't know who did this or how they got my information. This is fraud and I have attached the identity theft report that the customer service told me to send in to have this information deleted
Consumer complaint received 2022-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions XXXX XXXX XXXX. Please delete the items as soon as possible.
Consumer complaint received 2018-04-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (CA)

I lost my wallet with Social security card & ID & piece of paper including my email address/its password too and I didn't know even my another cellphone line SIM card was in it, thats why I didn't deactivate it. I mean somebody could use my Email, phone, my signature and all my personal data. XX/XX/XXXX I did pay some monthly payment for that credit card, because creditor did call me and I was trying to take care of this account ( even its not mine ) for keeping my credit report clean.
Consumer complaint received 2017-04-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

The only XXXX I have ever had in prosperity WV is XXXX There is another listed on my report that is not nor has it ever been mine. Also, there are numerous hard inquires that are not mine. XXXX is not mine as well as several others!
Consumer complaint received 2015-12-14
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: TD BANK US HOLDING COMPANY (TN)

I have applied for a Target REDcard while checking out at XXXX of Target stores in XXXX, TN ( On XXXX XXXX ). I made a one-time purchase when I applied ( back in XXXX 2015 ). 
I never received any correspondence from Target REDcard at all. I only received a letter from XXXX collection agency on XXXX XXXX, 2015. I called Target REDcard and they informed that the mail was returned!! ( probably due to invalid address ). I asked for them to contact the Credit Agencies to remove the bad credit that they reported. Target REDcard refused to remove the bad credit reporting.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2022-03-15
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. (CA)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section XXXX ( b ) of the FCRA, these accounts must be removed within XXXX business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2022-02-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Collection Service Inc (GA) (GA)

I paid professional collection on XX/XX/2022 the amount of {$560.00} and spoke with the representative name XXXX. She assured me that the company would remove the collections on my account since I paid it in full. Well today is XX/XX/2022 and the collections still havent been removed. I have contacted XXXX several times and she has reassured me they would try to report it again as paid full and to request for the bureaus to remove the item off my credit report nothing has happened in over a month.
Consumer complaint received 2019-07-31
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 am a victim of Identity theft. And incorrect information is showing on my credit report. The fraudulent account from XXXX XXXX XXXX is still on my credit file in the amount of {$850.00}.
Consumer complaint received 2022-03-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (WA)

This company sent me a notice with no supporting documents to verify the debt. In addition, the address the letter was sent from is not the company address, indicating that they are using a third-party mailing service. They clearly invaded my privacy. FDCPA prohibits a debt collector from communicating with a third party in connection with the collection of a debt.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am the Beneficiary and Surety with equitable interest in the XXXX XXXX XXXX consumer report that is being furnished by XXXX, TRANSUNION and XXXX ( CRAs. The CRAs are furnishing this consumer report, divulging private information without the express written authorization of the Surety. This unauthorized activity by the CRAs has caused serious harm. This is our NOTICE OF INTENT TO SUE to seek equitable remedy for our injury if CRAs fail to CEASE & DESIST reporting without the consent of Surety.
Consumer complaint received 2022-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (VA)

On XX/XX/XXXX I was on vacation in XXXX XXXX Florida, on XX/XX/XXXX I logged into my online banking and realized that there had been 26 fraudulent charges made on my wifes debit card. I immediately contacted my bank Truist formally known as BB & T/SunTrust to inform them that there had been 26 fraudulent charges made to XXXX using my wifes debit card, at that time I asked them to lock the card those charges were not made by my wife or me, Ive been asked how they could let 26 consecutive charges go through without contacting me to alert me or to ask me if these charges were fraudulent. I was informed by Truist fraud department that due to the merger happening that weekend and then switching all their systems that a lot of the fraud was not being detected, and XXXX XXXX I checked my online banking again and realized that there had been an additional 10 charges XXXX using my debit card fraudulently I again immediately contacted Truist to inform them that my debit card had been used fraudulently and they needed to lock it, I asked to submit a fraud report and was told that I could not submit a report until all the charges had cleared and were no longer pending, on XXXX to XX/XX/XXXX I contacted Truist again to make a formal fraud report for the 31 charges that were made to XXXX  using my debit card and my wifes debit card fraudulently, on XX/XX/XXXX to my bank account was credited {$2100.00} for the fraudulent activity that had taken place, on XX/XX/XXXX I received a letter from Truist stating that a thorough investigation had been conducted and completed and no errors were found and they would on XX/XX/XXXX to take back the {$2100.00} that belong to my wife and me that was fraudulently spent, I have called Truist several times and been placed on hold two and three hours at a time and passed from one person to another with absolutely zero results, I have been to the bank in person and worked with a banking specialist named XXXX at Truist Bank located in XXXX XXXX XXXX Virginia and also put on hold for three hours with absolutely zero results from the bank, I have contacted XXXX and when they passed me the fraudulent department I was past the truest and again on hold for two hours with no results, when I have gotten contact with the Truist fraud department I have asked them about the investigation and how 31 charges the XXXX were not detected and can not be construed as fraud, I was told that a lot of fraud happened between XXXX XX/XX/XXXX and XXXX XX/XX/XXXX when truest was merging with SunTrust and BB & T, I have tried to work with the bank and have gotten zero results please help me in this matter. And this complaint I have sent the attachment of the statements showing all my claim for the fraudulent activity and also the letter that she was that me saying they are taking my money again.
Consumer complaint received 2022-03-15
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: EQUIFAX, INC. (CA)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section XXXX ( b ) of the FCRA, these accounts must be removed within XXXX business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MI)

I sent XXXX XXXX, XXXX, Equifax and XXXX documents stating that I am a victim of identity thief. XXXX, XXXX and Equifax all removed XXXX XXXX account the reinserted it after the dispute was completed. I Call them all and the said this XXXX XXXX account can't be removed or re-disputed. I sent them all a copy cover letter, ID, XXXX, XXXX XXXX, police report notarized. XXXX XXXX XXXX  # XXXX Bal {$2100.00} date opened XXXX closed XXXX
Consumer complaint received 2022-10-09
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX 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
Consumer complaint received 2022-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT XXXX CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions XXXX XXXX XXXX. Please delete the items as soon as possible.