davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-14
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. (TX)

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 : XXXX 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 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 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 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 XXXX XXXX XXXX XXXX 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 2019-04-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY (IN)

On XX/XX/2019 I spoke with XXXX XXXX at TD Bank ( XXXX ) XXXX to obtain international wire transfer information. He was confused and didn't remember how to spell his name. Hours later, after properly identifying myself, Mr. XXXX thought that he should refer me, by way of email, to folks at the bank that can not be contacted. I then spoke with the branch manager in XXXX NH ; Mr. XXXX XXXX ( XXXX ) XXXX. Mr. XXXX provided the information for the wire transfer. The wire transfer was initiated on XX/XX/2019. The wire was rejected by TD Bank on XX/XX/2019. The bank claims that the information that they provided was incorrect. The sender refuses to resend the funds because TD bank has not provided a refund. TD Bank claims that they are not in possession of the funds. I have not received the funds.
Consumer complaint received 2022-10-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc. (NJ)

Since sometime in XXXX or earlier, energy accounts have been opened in my name in the state of Texas. These accounts are not mine & I have never even lived in the state of Texas. Now the accounts are being sent to collections & it is affecting my credit. The latest account in collections is from Procollection for around {$550.00}. I called XXXX to dispute the collection, the address linked, & another Texas address appearing. I assume the rep did not know what he was doing because he didn't dispute the linked address & the company has verified the debt as correct. I have called XXXX once again, explained the situation & disputed both things. After I submit this claim I will also contact the Collections company myself.
Consumer complaint received 2019-04-23
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. (NY)

XXXX XXXX XXXX and XXXX XXXX XXXX have been paid in full and are ruining my credit i have been working hard so many years to fix my credit and theybare holding me back from my future. Please remove these 2 accounts immediately as they are paid in full and should be removed from my account immediately. We have been at was with these 2 companies for over a year and they are not updating there information please delete these 2 accounts immediately.
Consumer complaint received 2019-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2019 I noticed 4 transaction on line that did not belong to me. I called Chase and spoke to the fraud dept. but because they where in a pending status which meant they had just happened they couldn't help me so I then went to the bank in XXXX CA spoke to Mr XXXX the Branch Manger and he called and reviewed the file all they could tell me is that I was in Wisconsin at the teller doing the fraud. Which there is no way because I was standing in front of the branch manager in XXXX CA after I saw the fraud online and I reported it to the 800 # and then drove to the bank. So after the transaction went through on Friday at XXXX I recalled the claims dept explained the whole story started the claim for all the fraud. Took about 45minutes on the phone they did not give claim # and they were rude. So to protect myself and get the claim rolling I drove back to the XXXX Chase branch Friday the XXXX to take care of everything in person. Someone wrote a check to me for {$3900.00} they tried to do a withdrawl slip and have the teller only deposit the {$950.00} Check wasnt even signed on the front from the person who wrote it they had no proper ID and check was clearly fraudlent they forged my signature and then the teller let them do 3 separte withdrawals for {$4100.00}. they said account would be frozen but they keep taking money out and on the new account Chase keeps taking the orig fraudlent tranactions out of the new Account so as of today my business is down over {$10000.00}. I have spoken to claims and Fraud and XXXX Branch since XX/XX/2019. No one can answer any of these questions. they are taking deposits and doing them as withdarwals and then just taking withdrawals out that make rhyme or reasons to them and not one person can help. I've tried to escalte call and at the branch to speak to like a district manager but nothing. 
Chase is too big of a bank to be allowed to behavior in unethical manner.
Consumer complaint received 2022-10-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WV)

Received emails showing someone used my previous name to open an account with Bank of America. The application was approved and sent correspondence through my email. I called their fraud department and they confirmed someone used my identity to open an account, so they closed it.
Consumer complaint received 2022-02-19
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: NAVY FEDERAL CREDIT UNION (GA)

I XXXX XXXX, a consumer and customer of this financial institution, have a right to privacy pursuant 15 U.S. Code 1681a ( a ) ( 4 ) and 15 U.S. Code 1692 ( a ) as it speaks on my individual right to privacy. My private information regarding this account has been furnished without my lawful authority or my written consent. I am aware that my written instruction is needed to furnish any information to a consumer reporting agency. No lawful authority or written consent constitutes Identity theft in accordance with 15 U.S. Code 1681a ( q ) ( 3 ) and similar to REG V 12 CFR 1022.3, which is a fraud committed or attempted using the identifying information of another person without authority. I have not given my written lawful authority for this information to be furnished. 
I am aware that in accordance with the Gramm-Leach-Bliley Act, I, the consumer have the right to know where and how to direct disclosure of my nonpublic information and should have been given an explanation of how to exercise that nondisclosure option. I have not received such an explanation. 
Please provide the written instructions that I, the consumer gave to NAVY FEDERAL CREDIT UNION which has authorized these furnished accounts. If you can not provide me with these instructions written by me prior to this notice, this has been a fraudulently made consumer report using my identifying information and account NAVY FCU XXXX, XXXX, XXXX XXXX XXXX XXXX - XXXX must be deleted from all consumer reporting agencies immediately. 

This is my written instruction to opt-out of credit reporting for this account. If my instruction to opt-out of credit reporting can not be honored, I request a statement on your companys letterhead signed under penalty of perjury stating why it can not. 

I am aware, the making of any false, fictitious, or fraudulent statement or representation to a customer of a financial institution such as reporting inaccurate information is a direct violation of 15 U.S. Code 6821 ( a ) ( 2 ). I am also aware that whoever violates 15 U.S. Code 6821 such as a false, fictitious, or fraudulent statement or representation to a customer of a financial institution will be held liable under 15 U.S. Code 6823 ( a ) to fines under Title 18 USC 3751 with fines up to 500,000 for a felony by an organization or imprisoned for 5 years or both.
Consumer complaint received 2024-03-05
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: EQUIFAX, INC. (PA)

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 Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-10-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

In an effort to save my home I have requested a payoff request from the servicer, Specialized Loan Servicing, SLS, on 3 occasions. This request is done through their website through the customer portal. https : //sls.servicingloans.com/home/ Below are the XXXX dates where I have requested a payoff amount : XX/XX/2022 XX/XX/2022 XX/XX/2022 An today on XX/XX/2022 I have also requested for a payoff request. 

The reason for my payoff request is so that I can see if I can payoff my mortgage with my retirement account.

The SLS website tells you that that I should have my payoff quote e-mailed to me within 24 hours from the time I request the payoff quote. Each and every time I receive a message stating my request has been submitted and that a response will be sent to my e-mail address within 24 hours. To this date this has not occurred.

I am demanding that SLS sends me a payoff amount immediately.
Consumer complaint received 2023-09-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC (GA)

Contract Callers has consistently called my phone. Even after asking them to contact me only via mail. I am demanding to only be contacted via mail or through the CFPB. 

I am requesting verification, validation and investigation into this alleged account that has been placed on my consumer reports.
Consumer complaint received 2018-04-23
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. (MA)

I am making a request to have All Closed accounts on ALL 3 credit reporting agencies : XXXX, Equifax, and XXXX, DELETED from their databases. 

All three credit reporting agencies have not deleted items off my report since I have requested multiple times for them to do so as they have not provided me the Original Signed Documents for any of the accounts that are listed and would allow them to report any of the accounts on all 3 reporting agencies.

items are past or near statute of limitations and bare no such right to be on my reports at all as accounts are Old, Closed, and have not been deleted and resolved upon my previous requests. 

I have attached the disputes I have sent to them showing details of dates, names of accounts etc.. that need to be deleted immediately.
Consumer complaint received 2023-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I received a promotion offer in the mail from Capital One credit card. It states " 0 % INTRO APR ON PURCHASES AND BALANCE TRANSFERS UNTIL XX/XX/2024, with XXXX XXXX XXXX % variable APR after that. There is a 3 % fee for amounts transferred until XX/XX/2024. '' I applied using the reservation code and access code provided on the promotional offer. I was accepted and given a {$10000.00} credit limit. 
I tried to transfer the amount from a higher balance card and was told that there were no offers for transfers at this time. I spoke with customer service and they confirmed that there were no offers for balance transfers although I reminded them that this is exactly what their promotional offer stated. 
I immediately closed my account and had to be on the phone with customer service for over 30 minutes in order to receive confirmation that the account was closed. 
This is false advertisement!!!
Consumer complaint received 2020-11-09
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. (KS)

On XX/XX/2020 I sent a letter to all 3 Bureaus requesting an investigation of inaccurate and and unverified information on my credit report. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

On XX/XX/2020 I followed this letter with a demand to comply letter. At that point had not received any response. I also filed a complain with the CFBP incorrectly and included the collection agency as the company who was falsely reporting on my credit report. My complain is with the 3 major credit bureaus and their lack of follow up with me about their physical investigation to my request on a timely manner within the letter of the law. 

I am also concerned I may be a victim of the Equifax information breach and want to have these issues rectified as soon as possible. 

For these reasons I want all derogatory information from XXXX XXXX XXXX removed from all 3 major credit bureaus on my credit report.
Consumer complaint received 2022-12-14
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. (IL)

In accordance with the Fair Credit Reporting and XXXX  XXXX account ending with # XXXX, has violated my rights : 15 U.S.C 1681 Section 602 A. States that I have the right to privacy 15 U.S.C 1681 Section 604 A. Also states thats a consumer agency can not furnish a account without my written instructions
Consumer complaint received 2024-03-29
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (VA)

XXXX XXXX XXXX XXXX said I either purchased a Mobile Phone or had a outstanding bill in the amount of XXXX dollars. for the months of XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-10
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Bridgecrest Acceptance Corporation (TX)

. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Certified Mail tracking # XXXX of the last letter,
Consumer complaint received 2019-04-23
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: U.S. BANCORP (CT)

I received a collections notice from US Bank on XX/XX/XXXX for end of lease fees owed on a lease that was terminated in XX/XX/XXXX. The fees owed were related to local property taxes for the XX/XX/XXXX - XX/XX/XXXX tax period. The amount was pro-rated, and I checked with the Town to ensure that the tax amount was correct and payment was made by US Bank. However, I continued to receive multiple notices of collections from US Bank and was unable to reach a representative to confirm information upon receipt of the first notice ( lines busy, long hold times ). I paid the amount due, and then received three more collections notices. When I call Customer service, they acknowledge the payment made, but I continue to receive collections notices. 

Again, my lease ended XX/XX/XXXX ( and was not an early termination ). There had been no other contact prior to XX/XX/XXXX. 

Additionally, during the time of my lease with US Bank, I had at least three occasions of payments not pulled according to the automatic payment settings, and at least 2 instances of lack of notification of taxes paid, followed by late payment notifications because my auto pay was not set up to cover the tax amount. the web portal for account information never showed a payment history. I was forced to call each month for an update. When attempting to contact US Bank about this, I was told they were aware of the technical glitch and that it was being addressed.
Consumer complaint received 2024-03-05
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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 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 XXXX XXXX XXXX XXXX and list of Inquiries. 


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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-11-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (TX)

On XXXX, 2020, I contacted US Bank to report fraudulent charges made to my Reliacard ( A prepaid Visa card issued by US Bank provided by State of Texas as a method to disburse unemployment benefits. ) They froze my account and asked me to confirm my identity. I immediately uploaded a copy of my state-issued I.D., my tax records and bank identification records ( all required ). 
Two days later, XXXX, XXXX, 2020, I phoned the bank for a status update. No one was able to provide me with an update or a resolution. From that day ( XXXX XXXX, 2020 ), I have called the bank multiple times on a daily basis and nothing. 
XX/XX/2020, I once again call for status, I was told to upload a " selfie '' for verification. ( not informed two weeks prior ). I quickly complied w/request. Two days pass. I called for status, agent was rude and bad attitude. Agent refused supervisor transfer. However, she opted to hang up on me instead. To date, I have no access, not funds, no updates, no resolution and no hope!
Consumer complaint received 2022-10-17
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: FIRST NATIONAL BANK OF OMAHA (WI)

XX/XX/2018 in the amount of {$270.00} I have tried to contact this company to let them know it was fraud and i never get an answer.